Herbal Medicines Vs Prescription Drugs

I cannot possibly remember my first contact with herbal remedies but I’m sure it must have been through my Grandmother. She was a pioneer spirit, tough enough to kill a hog to feed her family for the winter. She was amazing and I seem to remember sassafras tea and fresh yellowroot tea from my childhood.Grandma passed on long ago so I can’t ask but I know she loved her garden and had one of the most prolific gardens I’ve seen.My conscious use of herbal remedies came a lot later but from the very first exposure to them, I knew this was the way my body wanted to be balanced and healed. Prescription drugs always felt out of balance with my personal energy field so, even though I have resorted to them in acute situations, I have remained almost completely reliant on natural remedies for my health, for decades.In deciding what I wanted to be when I grew up, natural healing surfaced as a primary passion so I began to study herbology and all things natural, including homeopathy, nutritional therapy, and alternative healing.On that path of purpose, I learned about the differences between herbal remedies and prescription drugs.I learned that a lot of prescription drugs originated from medicinal plants but that, typically, a single component of the natural herb was extracted. Nature has a wisdom that we really can’t improve on, though we keep trying. The extraction of one component from a synergistic whoe, changes that component. Not all those changes are positive.Another difference between using natural remedies and relying on prescription drugs is the time it takes for each to produce a noticeable effect in the body. Though some natural remedies, such as those for heartburn or headache, can actually work faster than their prescription drug counterparts, typically (and especially in cases of chronic health conditions developed over time, there is a difference in the time it takes for an herbal remedy to work, as opposed to a prescription drug for the same condition.

Because herbals are not concentrated extracts or chemically designed replicas of one component from a synergistic whole, they take longer to work but also work better, more in alignment with true healing.Herbals are designed to assist the body in rebuilding and balancing itself and that takes time. Prescription drugs, on the other hand and mostly, are concerned with controlling symptoms. Temporary relief of symptoms is usually quickly accomplished where actual healing takes much longer.Symptom relief vs. true healing:I believe, in our society today, we have come to substitute symtomatic relief with healing. If the pain is gone, all is good. And if we have to keep taking something for the pain to stay gone, all is still good.The herbalist has a drastically different view. The wisdom of the body dictates that the most important aspect will be addressed first. Sometimes, the most important thing is not making the pain go away. Underlying healing that needs to occur must come first.Making the pain go before there is healing is like telling a screaming child to shut up when their finger is caught in the door. The body resists lying. It is eternally truthful.The gradual reduction in pain that comes from a holistic regimen is indicative of the body response and healing and, as such, is an indicator of how well the formulation is working. Why would we remove such an important diagnostic tool?Of course, there are herbs that can ease pain as well but they are never the only thing given. If that were the case, an herbalist would be doing the same thing medical doctors often do….treating symptoms, not cause.When do herbs work best?In my opinion, herbal medicine is a way of life, not just something grasped at when there is a crisis. In fact, herbs are sometimes not the best choice when there’s a crisis. Sometimes, a condition has gone so far that only surgery or prescription drugs can prevent a life-threatening situation.However, regular use of herbs, vitamins, nutritional supplements and other natural remedies, as a part of day to day life, can definitely help the body maintain wellness.In non-acute situations, given time to work, herbals can help the body re-balance and heal itself. Because they are natural, and in synergistic balance in whole-plant form, our bodies respond to them with less resistance than to most prescription drugs.Side effects and drug interactions explored: While most herbs or nutritionals may have some potential for allergic reaction, if you compare the huge list of potential drug interactions and side effects for practically any prescription drug you care to investigate, you will soon see that the risks when taking prescription drugs far outweighs risks to consider when taking herbal remedies.There is no denying that almost every prescription drug has substantial risk for side effects or, if taking any other prescription drug with another, drug interaction dangers. By contrast, herbs taken in whole-plant form rarely create serious health concerns. In fact, about the only thing that increases risk when taking herbal remedies is if you are also taking prescription drugs.

All any logical person has to do is read the statistics on prescription drug-related deaths and compare that to the almost non-existent data on herbal complications resulting in death, to see which is safer.The bottom line for most people is patience. If you are not facing a life-threatening situation, and are willing to give natural remedies the time they need to work, you can enjoy great results, as I have all my life.Please remember that this information is educational in nature and not intended to replace your need for medical attention, diagnosis or treatment. There are progressive doctors out there, willing to work with adjunctive natural remedies. If you have an interest in herbals for healing, find a doctor like that and you can walk in two worlds.Some tips for getting the most from your herbal supplements:Start with a low dose and work your way up. Starting lower than normal can help you assess whether you have any allergic reaction.Don’t add a bunch of herbal remedies at once. You can’t tell what’s working and what isn’t working. If your herbalist or naturopath wants you to take more than one supplement, allow at least three days after taking the first one before you add the second.Be willing to allow 6 months to a year for the resolve of any chronic condition. You can’t just take an herbal remedy for a few weeks and expect your body to have what it needs to reverse a condition, like chronic heartburn, constipation, etc., that you may have had for years.

Types of Web Hosting – Shared Or Dedicated?

So you have finished building your website and you now need to decide whether to choose a dedicated host or to go for a shared server to host it.What are the differences and the advantages of each plan?In a word, under the shared hosting plan, you share server resources with other websites: memory, space and bandwidth. This is ideal for small websites that don’t need much resource to run. Under the dedicated plan however, the user leases the whole web server.Now let us look into more details at both plans: dedicated vs. shared host.The biggest advantage of shared web hosting plans is its affordability: Because you share hosting resources with many other websites, you also share the server’s running costs and this brings down your monthly hosting bill. Due to the huge competition in this market, you also get good value for money in terms of space and bandwidth.

Shared web hosting plans are also convenient and efficiency: Because they are run by professionals, you need not worry about that aspect of things and concentrate on building your website. Additionally, shared web hosting is efficient as you only use resources your actually need. And you have the option to buy more if you reach your allocated limit.Finally shared web host solutions are user-friendly: Most web hosts provide a user control panel through which you can easily upload and delete files as well as access webmaster tools such as site statistics.Let us now consider dedicated web hosting solutions.The key advantage of dedicated host plans is the exclusivity you enjoy. You don’t have to share web resources with anyone. Because you don’t have to share your server with 200 other websites, you also enjoy more control over what is loaded on the server. Dedicated web hosting is ideal for websites with huge traffic. If your website attracts a heavy traffic, you will require plenty of bandwidth each month and dedicated web hosts usually offer unlimited bandwidth.

Finally dedicated servers have they own IP address so you don’t run the risk of being blacklisted if other websites on your server get blacklisted by search engines for spamming or illegal activities.In conclusion, before choosing what plan to go with, carefully consider you needs in terms of web space, bandwidth and memory. But you also need to keep in mind you future needs as your website’s size and traffic grow.

What Are Best Business Web Hosting Services? Top Solutions, Providers, Packages, Plans

Are you looking for a reliable web hosting company to get your business website online? If so, you should know that besides the common features which all web hosting services provide for their customers, a business web host must offer two additional important features. These two features are mentioned below:Shopping cart: With Shopping Cart, you can accept PayPal® and credit cards via your site. This software allows online shopping customers to place items in the cart.SSL Certificate: People are getting smart about online security. Today most of them are looking for the padlock icon and “https” prefix in the address bar of their browser before submitting personal information online. An SSL Certificate helps your customers do their online transactions under a secure service. If your Web site doesn’t have an SSL Certificate, visitors may leave before making a purchase or creating an account.

Take into consideration that web hosting is a global service. It does not matter what country you are located in; US, UK, Canada, Australia or India. It is good to note that the cost of hosting services in most countries is generally a little more expensive in comparison to the same services in Canada and the United States. Specifically, American web hosts offer a much better value for money than any local hosting.First try to choose a reliable business web hosting provider which is uptime. Hosting uptime refers to the percentage of time the host is accessible via the internet. It is very important your service be uptime (functioning and available for use). It means you can access your account whenever you want to update your web pages, and customers can enter your website whenever they refer to your site address. If your hosting service is not uptime it can be catastrophic!There are many websites which display a couple of companies as the best business web hosting providers and leave people confused without being helpful. To make things even more confusing, some hosting companies are cheating and lying to their customers!

Threehosts.com is a reliable website to help you have the best choice. Their experts have been evaluating business web hosting service providers for years, and now they provide you with the most reliable results. There you can reach the three reputable companies that are leaders in the E-commerce web hosting industry. They fulfill all your requirements to sell online or do any online transaction via your website. By using each of them, everything you need for your business website is provided in one eCommerce Hosting Package.

A Concerned Citizen’s Opinion on Health Care Reform

I am not a certified expert on health care or health insurance. I am not political. I am not a doctor. But I am an American Citizen, I pay for health insurance and I use health care. Based on the very high cost of health care in this country, the rising costs of health care insurance and the proposed solutions that are coming out of our nation’s capital (from both sides of the aisle), I think I am as much of an expert on health care and health insurance as our politicians are.The fundamental problems Americans are really having are with health care costs, not health insurance. Why is health insurance being regulated and the actual cost of health care not addressed at all?The fact that an entire industry (insurance) has been created to act as a replacement for affordable health care costs should clearly indicate the real issue is the cost of health care, not the cost or availability of health insurance.Additionally, the fact that health insurance is a multi-billion industry and one of the most profitable sectors in our economy would seem to indicate that there is plenty of money that Americans have that could go toward paying actual health care costs-especially if the costs themselves were more in line and not so over inflated (yeah, I know the party line that doctors have to charge more because of medical tort-I’ll get to that).But, without getting into the economics of the statement above, let’s assume that we can’t afford health care. If that is the case, what is the cause?Let’s separate the problem into two parts*, 1. Cost of treatment and 2. Cost of drugs. So we have two industries here, the Medical community and the Pharmaceutical industry.

Let’s address the Medical Community. Based on simple economics one can deduce that a large part of the problem of medical cost is a matter of supply and demand. There are not enough doctors to take care of the population, thus medical professionals charge more simply because they can.According to an April 2010 article in the WSJ “Experts warn there won’t be enough doctors to treat the millions of people newly insured under the law (Obama Care). At current graduation and training rates, the nation could face a shortage of as many as 150,000 in the next 15 years, according to the Association of American Medical Colleges…”If the government is compelled to intervene in the nation’s business for the sake of saving lives, then a better governmental solution to the health care dilemma is to create programs that promote the making of more doctors and placing them where they are most needed.This could be a voluntary program such as paying for (very) qualified individual’s medical educations. These individuals would get to choose certain specialties (not ones like cosmetic surgery) that were offered by the program guidelines and, upon graduation, would have to “work off” their educational costs by practicing in select parts of the country where they were most needed for a finite period of time. The details of such a program would have to be worked out, but as a solution it directly addresses a large part of the problem, i.e., a shortage of doctors – a shortage of as many as 150,000 doctors in the coming years.Over the period of one or two (at most) decades we could have enough physicians to not only adequately care for the population, but enough doctors that “supply and demand” would bring medical fees in line with what the general population could afford. Some doctors may have to give up their Porsches’ and limit the number of vacations they take, but they shouldn’t be in that profession if they are only money motivated anyway.The other major cause of exorbitant health care costs are medications-drugs-pharmaceuticals. Pharmaceutical companies constitute the most profitable industry in America.The pharmaceutical industry’s lobbying efforts are unparalleled. Public Citizen, a nonprofit consumer organization, estimates that the drug companies have well over 300 paid lobbyists on Capitol Hill – more than one lobbyist for every two members of the U.S. Congress. They spend more than any other industry in political advertising. They spend tens of millions of dollars each year for political advertising to prevent Congress from passing meaningful prescription drug reform.If there was an area where the government should intervene in order to save lives and in the name of the welfare of this nation, it is in the pharmaceutical industry’s business practices.

These are just my thoughts on the matter; I have never heard these ideas intelligently addressed by any politician in all the endless droning regarding health care that has been going on for the last two years. I know there may be some gaps in what I’ve written and there may be much better solutions than what I quickly jotted down. But the point of this is that we (you) need to really hold our government’s feet to the fire and not be sheep. We need our representatives to really confront the issues, not just glibly parrot talking points that either do nothing or make matters worse.Do your own research, look into matters that concern and affect you personally. Don’t let the talking heads on T.V. solely shape your view of the world. If something concerns you, look into it and then write about it.*Medical tort is a third factor that will have to be addressed to reform medical costs. My opinion on this is simple. Great doctors don’t kill or maim people. If we only had great doctors there would be no need for lawsuits. Instead of suing doctors for negligence, simply create a system that takes licenses quickly away from bad doctors. If a doctor kills a patient or ruins the patient’s life through negligence, then he/she loses their license-this will ensure doctor’s standards are always high and that bad doctors get weeded out of the system.Jamie Sene

Debate Between Private and Public Schools

Many parents are torn between sending their kids to public schools or private learning institutions. There are pros and cons to the different options. Making the right choice for your child is important since their educational experience will last them for a lifetime. Ask yourself a few questions about your child, your budget, and the education systems in your area.Your ChildEvery child is different and this includes brothers and sisters within the same family. Ask any parent of two or more children and they’ll tell you how different each of their kids are. Parents who are having their third baby may think they finally know all about child rearing until this new son or daughter is born. Suddenly, the rules have changed and the old rule book goes out the window. It’s important to take a close look at the individual needs of your sons and daughters. If one of your kids does fine with large class sizes, is a round peg who easily fits in a round hole, he or she might do fine in public schools. If your child is unique and more of a oval or triangular peg, he or she might need something a bit different than your average pegboard. Perhaps he or she’s smarter, more sensitive, or more artistic than an average student. If so, he or she might do better in a different learning environment.

Your BudgetBefore taking your kids out of public schools to enroll them in a private academy, you’ll need to take an honest look at your budget. Can you afford the monthly or annual tuition? If not, is there a grandparent who could help pay the tuition fees? In many areas, there are state-funded charter programs that offer unique approaches but are free to students. Charter programs may be art-based, focus on science, or just smaller class sizes with inspired curriculum.Education Systems in your AreaBefore making a decision, it’s wise to check out all of the educational alternatives in your area. Some regions’ public schools are of high quality while others are lacking due to budget cuts. If you ask around, you’ll discover alternative learning academies to investigate. There may be church-based academies, charter programs, and private learning facilities. It’s wise to get referrals from friends, neighbors, and even your pediatrician’s office. When you’ve made a list of the possibilities, schedule appointments to interview teachers, administrators, and to view classrooms.

After examining your child’s personality and academic needs, taking a look at your budget, and touring various educational facilities in your area, you’ll be able to make an informed decision between private and public schools for your child. Armed with research, you are sure to make the right decision.

What Does SEO (Search Engine Optimization) Stand For?

What Does SEO Stand For? Search engine optimization or simply SEO, refers to the techniques used to increase traffic to websites. With effective SEO services, your website becomes more accessible for the users surfing the net. Search engine optimization plays an important role in boosting the sales of a company. Quality search engine optimization involves good design, proper content and user friendliness. Effective search engine optimization can help your webpage get good rankings in major search engines such as Google, Yahoo, MSN, AltaVista and more.With the increasing demand for quality SEO services, many scam companies are there in the industry claiming to provide quality services. Search engine optimization is an intensive process and requires much experience and expertise. While selecting a company for your SEO needs, ensure that they follow international ethics and standards in SEO services and utilize the latest tools in obtaining high search engine ranking. The process of search engine optimization includes a series of steps such as initial analysis of the site, keyword research process, optimizing the website, Meta tag optimization, content optimization, suggestion for internal link structure, submission to major search engines, W3c validations, search engine submission, directory submission and monthly reporting. The position of a website in search engines is determined by the factors included in the website which provide users accurate and helpful results.

SEO stands for search engine optimization that is done both on-page and off-page. Choosing a right domain name can help increase search engine rankings. For better search engine rankings, the web spiders should visit your web pages. It may take a few weeks or months to get the desired results for search engine optimization. The SEO process uses a number of different methods for search engine listings. The methodologies used for each website optimization depends on a number of factors such as the content, type, and purpose of the websites. The competition in the field is also taken into consideration.

Some factors are to be considered before carrying out search engine optimization. Web content which is rich in keywords and apt page titles and title tags is ideal. Unnecessary and excessive use of target phrase and keywords can lead to banning of the website. The page ranking of a website can also be increased by adding appropriate links in the webpage. It would be better to use the human readable URLs as these are more search engine friendly. Nowadays most companies prefer SEO services, as optimization is one of the most effective tools that will help increase your business returns.

Four Effective and Useful Search Engine Optimization Tips

Search Engine Optimization Tips That You Cannot Ignore
SEO is an important factor which can determine the success of your website. With the right search engine optimization tips, you will be able to see to it that your website is going to have a high ranking in every SE listings that are available online.Basically, people who have just created and launched a new website will have the same struggles and they would be trying to increase the number of visitors that are visiting their new website. Website traffic is necessary for new websites. Likewise, new websites would also need the right search engine optimization tips so that they can be fully and successfully optimized online.Another thing which you will have to take note when you are considering SEO would be the right way on how their websites can achieve a high rank in website listings. Basically, SEs will be able to provide a great increase when it comes to the traffic of the website. So, to make a successful search engine marketing (SEM) project, you need to be able to surpass all your competitors and rank high in search results.Search engine optimization tips can definitely help you out when you intend a successful SEM project. These SEO tips will also be able to help you with regard to the improvement as well as the online visibility of your website. Here are four of the most effective as well as useful SEO tips.

Search Engine Optimization Tips One: Determine Your Target Market
The first thing that you have to remember and take note when you intend to have an effective small business search engine optimization would be to determine the market that you are targeting. This is one of the most important search engine optimization tips that you must be aware of. Many website owners as well as small businesses tend to overlook this very important step in SEO. You need to properly identify your target audience because the keyword choice can definitely affect your target audience. So, if you know who your target audience is then you would know what the proper keywords are that you are going to make use of in SEO.Search Engine Optimization Tips Two: Decide the right keywords
One of the most basic as well as important SEO tips that you need to remember would be the proper use of keywords as well as the right keyword choice. If you do not know what keywords to use then one of the many SEO tips that you can use would be for you to make use of keyword generators over the internet. There are also keyword suggestions that are provided by SEs which can help you with regard to deciding the keyword choices that you are going to make. You also have to make sure that the keywords those of which you are going to make use of will relate to your website and its contents. You can even generate as many keywords as you like as long as the keywords are going to relate to your website and its contents. This is one of the few SEO tips that are almost always taken for granted. So, you have to make sure, you are not going to make the same mistakes.Search Engine Optimization Tips Three: Proper Keyword Placement
The next thing that you should do is to dwell on the fundamentals of SEO. This is basically the time where you can place your keywords to work for your advantage. You have to make sure your website will not only contain a high quantity for the keywords but also the high quality of the keywords. You need to make sure the keyword content of your website is of good quality. It may help if you are going to place keywords in every paragraph of the content so that people can easily find you and your website is going to appear first in their search lists. This is also one of the most neglected search engine optimization tips that people often take for granted.

Search Engine Optimization Tips Four: Proper Use of Meta Tags
Another thing to note when you are into SEM would be the HTML (meta) tags of your website. You have to make sure you actually make use of proper as well as complete sentences in your title and description and not merely a keyword phrase. You should also vary the descriptions as well as keywords for every page of your website so that search engines as well as visitors of your website are not going to think that you have website content which is merely repeated.These are some of the many important search engine optimization tips you will be able to make use of. Use them wisely!

Home Buyers and Sellers Real Estate Glossary

Every business has it’s jargon and residential real estate is no exception. Mark Nash author of 1001 Tips for Buying and Selling a Home shares commonly used terms with home buyers and sellers.1031 exchange or Starker exchange: The delayed exchange of properties that qualifies for tax purposes as a tax-deferred exchange.1099: The statement of income reported to the IRS for an independent contractor.A/I: A contract that is pending with attorney and inspection contingencies.Accompanied showings: Those showings where the listing agent must accompany an agent and his or her clients when viewing a listing.Addendum: An addition to; a document.Adjustable rate mortgage (ARM): A type of mortgage loan whose interest rate is tied to an economic index, which fluctuates with the market. Typical ARM periods are one, three, five, and seven years.Agent: The licensed real estate salesperson or broker who represents buyers or sellers.Annual percentage rate (APR): The total costs (interest rate, closing costs, fees, and so on) that are part of a borrower’s loan, expressed as a percentage rate of interest. The total costs are amortized over the term of the loan.Application fees: Fees that mortgage companies charge buyers at the time of written application for a loan; for example, fees for running credit reports of borrowers, property appraisal fees, and lender-specific fees.Appointments: Those times or time periods an agent shows properties to clients.Appraisal: A document of opinion of property value at a specific point in time.Appraised price (AP): The price the third-party relocation company offers (under most contracts) the seller for his or her property. Generally, the average of two or more independent appraisals.”As-is”: A contract or offer clause stating that the seller will not repair or correct any problems with the property. Also used in listings and marketing materials.Assumable mortgage: One in which the buyer agrees to fulfill the obligations of the existing loan agreement that the seller made with the lender. When assuming a mortgage, a buyer becomes personally liable for the payment of principal and interest. The original mortgagor should receive a written release from the liability when the buyer assumes the original mortgage.Back on market (BOM): When a property or listing is placed back on the market after being removed from the market recently.Back-up agent: A licensed agent who works with clients when their agent is unavailable.Balloon mortgage: A type of mortgage that is generally paid over a short period of time, but is amortized over a longer period of time. The borrower typically pays a combination of principal and interest. At the end of the loan term, the entire unpaid balance must be repaid.Back-up offer: When an offer is accepted contingent on the fall through or voiding of an accepted first offer on a property.Bill of sale: Transfers title to personal property in a transaction.Board of REALTORS® (local): An association of REALTORS® in a specific geographic area.Broker: A state licensed individual who acts as the agent for the seller or buyer.Broker of record: The person registered with his or her state licensing authority as the managing broker of a specific real estate sales office.Broker’s market analysis (BMA): The real estate broker’s opinion of the expected final net sale price, determined after acquisition of the property by the third-party company.Broker’s tour: A preset time and day when real estate sales agents can view listings by multiple brokerages in the market.Buyer: The purchaser of a property.Buyer agency: A real estate broker retained by the buyer who has a fiduciary duty to the buyer.Buyer agent: The agent who shows the buyer’s property, negotiates the contract or offer for the buyer, and works with the buyer to close the transaction.Carrying costs: Cost incurred to maintain a property (taxes, interest, insurance, utilities, and so on).Closing: The end of a transaction process where the deed is delivered, documents are signed, and funds are dispersed.CLUE (Comprehensive Loss Underwriting Exchange): The insurance industry’s national database that assigns individuals a risk score. CLUE also has an electronic file of a properties insurance history. These files are accessible by insurance companies nationally. These files could impact the ability to sell property as they might contain information that a prospective buyer might find objectionable, and in some cases not even insurable.Commission: The compensation paid to the listing brokerage by the seller for selling the property. A buyer may also be required to pay a commission to his or her agent.Commission split: The percentage split of commission compen-sation between the real estate sales brokerage and the real estate sales agent or broker.Competitive Market Analysis (CMA): The analysis used to provide market information to the seller and assist the real estate broker in securing the listing.Condominium association: An association of all owners in a condominium.Condominium budget: A financial forecast and report of a condominium association’s expenses and savings.

Condominium by-laws: Rules passed by the condominium association used in administration of the condominium property.Condominium declarations: A document that legally establishes a condominium.Condominium right of first refusal: A person or an association that has the first opportunity to purchase condominium real estate when it becomes available or the right to meet any other offer.Condominium rules and regulation: Rules of a condominium association by which owners agree to abide.Contingency: A provision in a contract requiring certain acts to be completed before the contract is binding.Continue to show: When a property is under contract with contingencies, but the seller requests that the property continue to be shown to prospective buyers until contingencies are released.Contract for deed: A sales contract in which the buyer takes possession of the property but the seller holds title until the loan is paid. Also known as an installment sale contract.Conventional mortgage: A type of mortgage that has certain limitations placed on it to meet secondary market guidelines. Mortgage companies, banks, and savings and loans underwrite conventional mortgages.Cooperating commission: A commission offered to the buyer’s agent brokerage for bringing a buyer to the selling brokerage’s listing.Cooperative (Co-op): Where the shareholders of the corporation are the inhabitants of the building. Each shareholder has the right to lease a specific unit. The difference between a co-op and a condo is in a co-op, one owns shares in a corporation; in a condo one owns the unit fee simple.Counteroffer: The response to an offer or a bid by the seller or buyer after the original offer or bid.Credit report: Includes all of the history for a borrower’s credit accounts, outstanding debts, and payment timelines on past or current debts.Credit score: A score assigned to a borrower’s credit report based on information contained therein.Curb appeal: The visual impact a property projects from the street.Days on market: The number of days a property has been on the market.Decree: A judgment of the court that sets out the agreements and rights of the parties.Disclosures: Federal, state, county, and local requirements of disclosure that the seller provides and the buyer acknowledges.Divorce: The legal separation of a husband and wife effected by a court decree that totally dissolves the marriage relationship.DOM: Days on market.Down payment: The amount of cash put toward a purchase by the borrower.Drive-by: When a buyer or seller agent or broker drives by a property listing or potential listing.Dual agent: A state-licensed individual who represents the seller and the buyer in a single transaction.Earnest money deposit: The money given to the seller at the time the offer is made as a sign of the buyer’s good faith.Escrow account for real estate taxes and insurance: An account into which borrowers pay monthly prorations for real estate taxes and property insurance.Exclusions: Fixtures or personal property that are excluded from the contract or offer to purchase.Expired (listing): A property listing that has expired per the terms of the listing agreement.Fax rider: A document that treats facsimile transmission as the same legal effect as the original document.Feedback: The real estate sales agent and/or his or her client’s reaction to a listing or property. Requested by the listing agent.Fee simple: A form of property ownership where the owner has the right to use and dispose of property at will.FHA (Federal Housing Administration) Loan Guarantee: A guarantee by the FHA that a percentage of a loan will be underwritten by a mortgage company or banker.Fixture: Personal property that has become part of the property through permanent attachment.Flat fee: A predetermined amount of compensation received or paid for a specific service in a real estate transaction.For sale by owner (FSBO): A property that is for sale by the owner of the property.Gift letter: A letter to a lender stating that a gift of cash has been made to the buyer(s) and that the person gifting the cash to the buyer is not expecting the gift to be repaid. The exact wording of the gift letter should be requested of the lender.Good faith estimate: Under the Real Estate Settlement Procedures Act, within three days of an application submission, lenders are required to provide in writing to potential borrowers a good faith estimate of closing costs.Gross sale price: The sale price before any concessions.Hazard insurance: Insurance that covers losses to real estate from damages that might affect its value.Homeowner’s insurance: Coverage that includes personal liability and theft insurance in addition to hazard insurance.HUD/RESPA (Housing and Urban Development/Real Estate Settlement Procedures Act): A document and statement that details all of the monies paid out and received at a real estate property closing.Hybrid adjustable rate: Offers a fixed rate the first 5 years and then adjusts annually for the next 25 years.IDX (Internet Data Exchange): Allows real estate brokers to advertise each other’s listings posted to listing databases such as the multiple listing service.Inclusions: Fixtures or personal property that are included in a contract or offer to purchase.Independent contractor: A real estate sales agent who conducts real estate business through a broker. This agent does not receive salary or benefits from the broker.Inspection rider: Rider to purchase agreement between third party relocation company and buyer of transferee’s property stating that property is being sold “as is.” All inspection reports conducted by the third party company are disclosed to the buyer and it is the buyer’s duty to do his/her own inspections and tests.Installment land contract: A contract in which the buyer takes possession of the property while the seller retains the title to the property until the loan is paid.Interest rate float: The borrower decides to delay locking their interest rate on their loan. They can float their rate in expectation of the rate moving down. At the end of the float period they must lock a rate.Interest rate lock: When the borrower and lender agree to lock a rate on loan. Can have terms and conditions attached to the lock.List date: Actual date the property was listed with the current broker.List price: The price of a property through a listing agreement.Listing: Brokers written agreement to represent a seller and their property. Agents refer to their inventory of agreements with sellers as listings.Listing agent: The real estate sales agent that is representing the sellers and their property, through a listing agreement.Listing agreement: A document that establishes the real estate agent’s agreement with the sellers to represent their property in the market.Listing appointment: The time when a real estate sales agent meets with potential clients selling a property to secure a listing agreement.Listing exclusion: A clause included in the listing agreement when the seller (transferee) lists his or her property with a broker.Loan: An amount of money that is lent to a borrower who agrees to repay the amount plus interest.Loan application: A document that buyers who are requesting a loan fill out and submit to their lender.Loan closing costs: The costs a lender charges to close a borrower’s loan. These costs vary from lender to lender and from market to market.Loan commitment: A written document telling the borrowers that the mortgage company has agreed to lend them a specific amount of money at a specific interest rate for a specific period of time. The loan commitment may also contain conditions upon which the loan commitment is based.Loan package: The group of mortgage documents that the borrower’s lender sends to the closing or escrow.Loan processor: An administrative individual who is assigned to check, verify, and assemble all of the documents and the buyer’s funds and the borrower’s loan for closing.Loan underwriter: One who underwrites a loan for another. Some lenders have investors underwrite a buyer’s loan.Lockbox: A tool that allows secure storage of property keys on the premises for agent use. A combo uses a rotating dial to gain access with a combination; a Supra® (electronic lockbox or ELB) features a keypad.Managing broker: A person licensed by the state as a broker who is also the broker of record for a real estate sales office. This person manages the daily operations of a real estate sales office.Marketing period: The period of time in which the transferee may market his or her property (typically 45, 60, or 90 days), as directed by the third-party company’s contract with the employer.Mortgage banker: One who lends the bank’s funds to borrowers and brings lenders and borrowers together.Mortgage broker: A business that or an individual who unites lenders and borrowers and processes mortgage applications.Mortgage loan servicing company: A company that collects monthly mortgage payments from borrowers.Multiple listing service (MLS): A service that compiles available properties for sale by member brokers.Multiple offers: More than one buyers broker present an offer on one property where the offers are negotiated at the same time.National Association of REALTORS® (NAR): A national association comprised of real estate sales agents.Net sales price: Gross sales price less concessions to the buyers.Off market: A property listing that has been removed from the sale inventory in a market. A property can be temporarily or permanently off market.Offer to purchase: When a buyer proposes certain terms and presents these terms to the seller.Office tour/caravan: A walking or driving tour by a real estate sales office of listings represented by agents in the office. Usually held on a set day and time.Parcel identification number (PIN): A taxing authority’s tracking number for a property.Pending: A real estate contract that has been accepted on a property but the transaction has not closed.Personal assistant: A real estate sales agent administrative assistant.Planned unit development (PUD): Mixed-use development that sets aside areas for residential use, commercial use, and public areas such as schools, parks, and so on.Preapproval: A higher level of buyer/borrower prequalification required by a mortgage lender. Some preapprovals have conditions the borrower must meet.

Prepaid interest: Funds paid by the borrower at closing based on the number of days left in the month of closing.Prepayment penalty: A fine imposed on the borrower by the lender when the loan is paid off before it comes due.Prequalification: The mortgage company tells a buyer in advance of the formal mortgage application, how much money the borrower can afford to borrow. Some prequalifications have conditions that the borrower must meet.Preview appointment: When a buyer’s agent views a property alone to see if it meets his or her buyer’s needs.Pricing: When the potential seller’s agent goes to the potential listing property to view it for marketing and pricing purposes.Principal: The amount of money a buyer borrows.Principal, interest, taxes, and insurance (PITI): The four parts that make up a borrower’s monthly mortgage payment. Private mortgage insurance (PMI): A special insurance paid by a borrower in monthly installments, typically of loans of more than 80 percent of the value of the property.Professional designation: Additional nonlicensed real estate education completed by a real estate professional.Professional regulation: A state licensing authority that oversees and disciplines licensees.Promissory note: A promise-to-pay document used with a contract or an offer to purchase.R & I: Estimated and actual repair and improvement costs.Real estate agent: An individual who is licensed by the state and who acts on behalf of his or her client, the buyer or seller. The real estate agent who does not have a broker’s license must work for a licensed broker.Real estate contract: A binding agreement between buyer and seller. It consists of an offer and an acceptance as well as consideration (i.e., money).REALTOR®: A registered trademark of the National Association of REALTORS® that can be used only by its members.Release deed: A written document stating that a seller or buyer has satisfied his or her obligation on a debt. This document is usually recorded.Relist: Property that was listed with another broker but relisted with a current broker.Rider: A separate document that is attached to a document in some way. This is done so that an entire document does not need to be rewritten.Salaried agent: A real estate sales agent or broker who receives all or part of his or her compensation in real estate sales in the form of a salary.Sale price: The price paid for a listing or property.Seller (owner): The owner of a property who has signed a listing agreement or a potential listing agreement.Showing: When a listing is shown to prospective buyers or the buyer’s agent (preview).Special assessment: A special and additional charge to a unit in a condominium or cooperative. Also a special real estate tax for improvements that benefit a property.State Association of REALTORS®: An association of REALTORS® in a specific state.Supra®: An electronic lockbox (ELB) that holds keys to a property. The user must have a Supra keypad to use the lockbox.Temporarily off market (TOM): A listed property that is taken off the market due to illness, travel, needed repairs, and so on.Temporary housing: Housing a transferee occupies until permanent housing is selected or becomes available.Transaction: The real estate process from offer to closing or escrow.Transaction management fee (TMF): A fee charged by listing brokers to the seller as part of the listing agreement.Transaction sides: The two sides of a transaction, sellers and buyers. The term used to record the number of transactions in which a real estate sales agent or broker was involved during a specific period.24-hour notice: Allowed by law, tenants must be informed of showing 24 hours before you arrive.Under contract: A property that has an accepted real estate contract between seller and buyer.VA (Veterans Administration) Loan Guarantee: A guarantee on a mortgage amount backed by the Department of Veterans Affairs.Virtual tour: An Internet web/cd-rom-based video presentation of a property.VOW’s (Virtual Office web sites): An Internet based real estate brokerage business model that works with real estate consumers in same way as a brick and mortar real estate brokerage.W-2: The Internal Revenue form issued by employer to employee to reflect compensation and deductions to compensation.W-9: The Internal Revenue form requesting taxpayer identification number and certification.Walk-through: A showing before closing or escrow that permits the buyers one final tour of the property they are purchasing.Will: A document by which a person disposes of his or her property after death.

Reflexology Education and Career Options

Health and wellness is an important factor in everyday living, which is making the ability to become a holistic health practitioner more readily available. One popular area of natural healing is reflexology. Students that are interested in the available reflexology education and career options can learn how to improve the overall health of an individual.Reflexology focuses on applying concentrated pressure on certain points located on the face, ears, hands, and feet. The belief is that specific reflex points correlate with other parts of the body such as the organs. By correctly applying different techniques professionals are able to relieve stress and improve the body’s circulation. This positive effect allows the body to heal itself, which is known to calm the nerves. Students explore how to properly assess a patient’s condition by observing if pain is associated with any reflex point. In the case that a problem area is found students learn to apply reflexology techniques to painful points. Stimulating a point allows the body’s natural energy to target afflicted areas in order promote relief and healing.

Students that want to enter academic study should research natural healing colleges that offer programs. Certificates are the primary way to properly receive training. Education lasts 200 hours and prepares them to successfully become certified reflexologists. Learning how to properly implement the various techniques can also be explored inside other natural healing therapies. Two main options include massage therapy and aromatherapy. Students that pursue training in these areas can complete programs at the certificate and associate’s degree level. For example, students that enter massage therapy certificate programs are required to complete a minimum of 500 hours. Training explores general massage therapy techniques as well as reflexology.No matter what path is taken students learn the same techniques and skills. Students work to understand the connection between the nerve and natural energy lines inside the body. Training is highly in depth and covers all aspects of the field, which can include polarity, assessment, hand technique, foot reflexology, kinesiology, and pathology. Through the study of this complementary therapy coursework examines the ten longitudinal zones located throughout the body. Hands-on training is extremely important and programs incorporate several hours to give students practice. Inside courses that center on hand reflexology students learn to stimulate different points on themselves. Once students understand the techniques they utilize their skills on real patients. This form of training is also true for foot, ear, and face reflexology.Students can also enter several massage therapy schools and learn foot reflexology. Education focuses on foot reflex points that improve health in other parts of the body. The therapy also focuses on positively affecting energy and diminishing stress.

Students can enter a wide range of careers where they can work inside businesses that include:Day Spas
Nursing Homes
Beauty Salons
Sports CentersDepending on the educational training completed students may also enter careers as massage therapists, aromatherapists, and even acupuncturists. Begin accredited training and start learning to become a natural healing professional. The American Commission for Accreditation of Reflexology Education and Training ( http://www.acaret.org/ ) accredits reflexology schools and colleges that offer the quality education students desire.DISCLAIMER: Above is a GENERIC OUTLINE and may or may not depict precise methods, courses and/or focuses related to ANY ONE specific school(s) that may or may not be advertised at PETAP.org.Copyright 2010 – All rights reserved by PETAP.org.

How to Design a Successful Search Engine Optimization Plan

You are reading this article probably because you want to learn about Search Engine Optimization techniques and tricks. Perhaps you want to promote your site and generate more leads, increase the revenue, and ultimately bring more business for your site.Therefore, I gathered some information about search engine optimization subject which I hope you will get benefit from reading it.
Search engine marketing is using the search engines to drive traffic to your website. Consumers are using the internet and for the most part “search engines” to find what they are looking for. Therefore, it’s important for your business to have a website that has a good ranking in search engines.There are numbers of method you can use to market your website using the search engines; however, I will only cover those that are free of charge in this article.Organic Search Engine OptimizationThis is probably the most common search engine marketing strategy for your website. There are enormous amount of information on the web about organic search engine optimization; however, which one will work for your site?Learn from my mistake. It won’t happen over the night. You must have a good plan for your website optimization process and dedicate yourself to that plan. Therefore, it’s important to have a well-planned search engine optimization strategy to reduce your chance of failure. Today, there are so many FREE TOOLS available to you that you can use to create a successful plan for your site such as Google Webmaster Tools, GoodKeyword and many more.

I have divided the search Engine optimization planning into 5 major steps.1. Decide which search engine you want to focus on. I would suggest start with Google, Yahoo, MSN respectively and Lean as much as you can about these search engines. For example, learn what is important to Google and use it your advantage. These information are usually published at their sites and it’s available to the public. In addition, there are thousands of methods that have been patented by USPTS and it’s available to you for FREE which you can study and learn from it.2. This is an important part of your plan. You have to be realistic. Select your target keywords as narrow as possible. Why? Because if you choose very wide keywords you are diminishing your chance of being successful in your project. Remember, you are not the only one that is trying to optimize his or her site and those who started before you are ahead of the game. So be patient and start from the button and get to the top.3. Identify you competitors and find out about their strategies. By doing a simple search on Google you can find your competitors and discover their strategies and secrets. Using methods like number of incoming links to the website, website’s contents, number of pages and…est. learn as much as you can about them.4. Once you have identified all the search-terms it’s time to start the optimization process from your home page and other important pages on your site. In this step prepare the Meta tags, keywords, heading, contents, link tags… Remember, search engine optimization is divided into two major parts; inside optimization and outside optimization. Please note; do not neglect to put relative Meta tags and content for your pages. Although, search engines such as Google, and Yahoo do not put a high value on Meta tags anymore, however not-having Meta tags can reduce your ranking up to 1%. Don’t say 1% doesn’t matter, when you are competing with more than one million pages.5. Once you have figure-out your Meta tags, Keyword, and contents, it’s time to start the real and more challenging step “outside optimization”. The best and most effective method which so fare has been proven the top strategy for search engine optimization is linking strategy. But be careful of who you are getting link from and to whom you are linking from your website. I suggest link to those sites that offer something valuable to your visitors and exchange link with websites that are in the same market as you are. Link exchanging is beneficial but it can also be harmful. Search engines such as Google puts value on all incoming links to each web page and recognizes them as a vote from one site to another site. Linking strategy is a very complicated and critical subject and I would suggest that you do some research on your own before starting this process and find the best strategy for you site. I have another article “A successful linking strategy” which you can download from my site and in that article I will go over the details of a successful linking strategy.

I hope that by now you have a better vision of how a successful optimization plan should be designed.Wish you all the Best.