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      "author": "steemitboard",
      "permlink": "steemitboard-notify-veststeem-20200305t174650000z",
      "title": "",
      "body": "Congratulations @veststeem! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@veststeem/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@veststeem) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=veststeem)_</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steemitboard/@steemitboard/use-your-witness-votes-and-get-the-community-badge\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmTugCUsoXX762vg1CuHRrpnPbfnjPogp8iCGv7F2kSVuj/image.png\"></a></td><td><a href=\"https://steemit.com/steemitboard/@steemitboard/use-your-witness-votes-and-get-the-community-badge\">Use your witness votes and get the Community Badge</a></td></tr></table>\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "author": "steemitboard",
      "permlink": "steemitboard-notify-veststeem-20190304t175318000z",
      "title": "",
      "body": "Congratulations @veststeem! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@veststeem/birthday1.png</td><td>Happy Birthday! - You are on the Steem blockchain for 1 year!</td></tr></table>\n\n<sub>_[Click here to view your Board](https://steemitboard.com/@veststeem)_</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/carnival/@steemitboard/carnival-2019\"><img src=\"https://steemitimages.com/64x128/http://i.cubeupload.com/rltzHT.png\"></a></td><td><a href=\"https://steemit.com/carnival/@steemitboard/carnival-2019\">Carnival Challenge - Collect badge and win 5 STEEM</a></td></tr></table>\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) and get one more award and increased upvotes!",
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      "body": "**WARNING** - The message you received from @debdas017 is a **CONFIRMED SCAM!**\n**DO NOT FOLLOW** any instruction and **DO NOT CLICK** on any link in the comment!\n\nFor more information, read this post: \nhttps://steemit.com/steemit/@arcange/phishing-site-reported-tpm-rotator\n\nIf you find my work to protect you and the community valuable, please consider to upvote this warning or to [vote for my witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=arcange&approve=1).",
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      "permlink": "10-surefire-ways-to-avoid-common-diy-home-improvement-mistakes",
      "title": "10 Surefire Ways to Avoid Common DIY Home Improvement Mistakes",
      "body": "\nAsk people who have completed do-it-yourself projects and they'll tell you that the projects took at least twice and much time and three times the money they thought they would. The basic reason is that DIYers usually make a lot of mistakes that end up making home improvement projects more expensive and time-consuming. \n\nHere are 10 surefire ways to avoid the top DIY home improvement mistakes in the future and ensure success.\n\n1. Take out the required permits ' it's amazing how many DIYers skip this step. Sure, it takes time, and it means you have to deal with the government, but it's actually in your best interest to make sure get the required home improvement permits. The folks in the permitting office will make sure the project is done correctly and that you stay safe in the process. Also, for some projects, you'll need proof that you have a permit or your insurance company won't cover the improvement. You'll probably need a permit for any project larger than wallpapering and painting. If you're unsure, call your local building department and ask.\n\n2. Have all the tools and materials you need available before you start your project ' starting a job without the necessary tools and supplies will slow down the job and delay your progress. And make sure you buy quality tools. They're a wise investment. \n\n3. Prepare the job site for material deliveries ' when your suppliers deliver materials, you'll want to make sure the job site is ready to accept them. You don't want your materials exposed to the weather while you are working and you want to have a storage area to prevent theft. \n\n4. Don't skimp on materials ' for example, don't use 1/4-inch drywall for building walls. Use at at least 5/8-inch; and 3/4-inch works well for a good sound barrier. Use 3/4-inch plywood for sub-floors. It creates a much stronger floor.\n\n5. Prepare the walls for painting ' clean the walls, sand them and patch any holes before you paint. Use a coat of primer or stain blocker if you're trying to cover over oil-based paint, stains or peeling paint, or if you're painting a lighter color over a darker color.\n\n6. Use the correct paint ' use flat paint ceilings. Interior paints should have at least an eggshell or satin finish so you can scrub it. For outdoor decks, use a linseed-oil-based stain to drive the pigment into the wood and preserve it.\n\n7. Keep safe while working ' you don't want to end up in the emergency room. Wear safety goggles when using power tools or working with drywall or wood. Wear a hard hat when you're working under other people on scaffolding, and open some windows when you're painting or staining, or stripping old finishes off of floors or walls. Don't wear loose, hanging clothing, especially when using power tools. Wear gloves when carrying wood, metal and rock, or when hammering, and wear a nail or tool pouch to prevent damage to your floors, feet, and pets. \n\n8. Measure twice and cut once ' probably the most important rule of any project. If you're going to make a mistake, make it too long. You can always make something shorter. You can't make it longer.\n\n9. Know the limits of your abilities ' you're not going to be good at everything. If you don't have a lot of experience at plumbing or electrical work, for instance, don't attempt those projects. \n\n10. Don't start to learn how to do a project on your own house ' If you want to learn how to do a project, offer your assistance to a friend who is an experienced DIYer or a contractor. And if you have any question about what you're doing, make sure you stop and ask. \n\nYou probably won't eliminate all of your DIY home improvement mistakes, but you can surely reduce them with these 10 tips.\n\n\n\n\n\n\n",
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      "permlink": "big-brother-7-lisa-is-evicted",
      "title": "Big Brother 7 - Lisa is Evicted",
      "body": "\nLisa Huo became the fifth housemate to be evicted from the Big brother house after she was voted out ahead of Nikki Grahame, Imogen Thomas and Mikey Dalton in a four-way tussle.\n\nAs soon as Grace was given the boot last week, Lisa was odds-on favourite at 4/5 to be next person out of the door with the bookmakers expecting nominations from Aisleyne, Richard, Susie and Pete for the foul mouthed unemployed upholsterer from Manchester.\n\nBig Brother introduced a twist this week for nomination-discussing rule breakers Glyn, Imogen, Lea, Lisa and Nikki who were not be allowed to nominate in the normal fashion. Instead, they each had to nominate one member of their group, on the spot, in front of everyone else. They were not allowed to discuss their choices or nominate themselves and the housemate with the most nominations would automatically face eviction via the public vote. The voting went as follows:\n\nGlyn and Lisa nominated Nikki, Imogen voted for Lea who returned the favour and Nikki voted for Lisa. With two nominations Nikki faced eviction for the third successive week.\n\nThe rest of the housemates ' Aisleyne, Mikey, Pete, Richard and Susie were allowed to nominate as usual in the privacy of the Diary Room. As Nikki was already put up for the public vote, the remaining housemates were not allowed to nominate her, which saw Imogen, Lisa and Mikey thrown into the eviction mix. \n\nBy Monday night, Lisa was 1/4 favourite for eviction, despite the remainder of the nominated housemates not being revealed officially until Tuesday evening. \n\nLisa's price shortened considerably as the day's neared Friday's eviction night until she was trading at 1/100 so it was no surprise when host Davina McCall announced she was evicted.\n\nLisa appeared to be expecting to leave as she reacted well with a typical mix of smiles and good natured profanity, hugging each of her housemates in turn and repeating select phrases including 'sorted mate', 'mint', 'take it easy' and 'have fun'.\n\nFollowing a few weeks where housemates have received landslide eviction percentages ' Grace polling 87.9% and of course Sezer's 91.6%, Lisa received a more respectable 60.3% of the vote considering she wasn't trading at odds-against once during eviction week.\n\nBig Brother's latest twist will see five new contestants entering a secret 'second' house next Friday. The new house, accessible via the diary room, features its own bedroom, kitchen, lounge, bathroom and garden area.\n\nInstead of voting to evict a housemate next week, the public will instead choose one housemate to 'save' but live with the five newcomers in the new house.\n\n\n\n\n\n\n",
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      "title": "",
      "body": "I think I read this article somewhere else. Deja vu.",
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      "permlink": "the-organic-gardener",
      "title": "The Organic Gardener",
      "body": "\nIt's not always easy to be an organic gardener. Even committed organic gardeners sometimes long to spray herbicide on goutweed or pesky poison ivy. When Japanese beetles or rose chafers arrive in throngs just before your garden party, you may suffer an urge for the good old days ' the time before you understood that spraying an insecticide would kill beneficial bugs along with the bad, aggravating your pest problems. But there are also problems that are more easily addressed with organic solutions.\n\nEach winter, the Ecological Landscaping Association (www.ela. org) holds a conference and eco-marketplace where researchers, landscapers, gardeners and environmentalists meet to share knowledge and ideas. This year, one of the presentations I liked best was by Dr. Richard Casagrande of the University of Rhode Island, who spoke on biocontrol of invasive species. He explained that for some problems, organic controls work better than chemical controls.\n\nCasagrande said that when gardeners hear that foreign species of insects have been introduced to help control invasive plants like purple loosestrife, there is a knee-jerk reaction: 'Great. And when they've finished eating the loosestrife, what's going to happen next? Will they eat my delphiniums, or my peonies?'\n\nHe explained that although people of good will did introduce some evil exotics like kudzu and oriental bittersweet, the process of introducing foreign insects to combat these plants is very tightly controlled. The University of Rhode Island has quarantine labs that are as tightly controlled as the perimeter around the White House.\n\nFirst, scientists look at how the invasive species performs in its native land. Purple loosestrife came from Europe in the early 1800s, probably in soil used as ballast in ships. But it is not a problem there. Why not? It evolved there, and over time some 120 species of insects learned to love it. Of these, 14 are host-specific, meaning that they don't eat anything else. A few of these insects were brought to quarantine labs to determine if they eat related species of the target plants, or if they would attack any of our major crops, such as corn, wheat and soy.\n\nIf you've ever tried to dig out purple loosestrife, you know that it has an amazing root system that will challenge even the strongest back. Scraps of roots left in the ground will start new plants. Not only that, each mature plant produces millions of tiny seeds every year, so even if you did poison or pull a plant, the soil is full of time-release capsules ' seeds that will start the process all over again next year, and the year after that, and so forth. Even burning the plants will not solve the problem. But it can be kept under control with the use of introduced beetles.\n\nSince 1994, beetles that eat purple loosestrife have been successfully reducing stands of this exotic. They reduce the number of plants to about 10 percent of pre-introduction levels; as the number of plants drops, so does the number of predator beetles. Similar efforts are under way to control phragmites, that tall grass that has such beautiful plumes in wetlands and roadside ditches.\n\nCasagrande has been using biocontrols to reduce populations of the lily leaf beetle that has been decimating our oriental and Asiatic lilies in recent years. The beetles are so pretty that you might want to use them as earrings: bright red with black trim, about 3/8ths of an inch long. Their larvae, in contrast, are disgusting: They carry their excrement on their backs to deter birds ' and organic gardeners. Casagrande and his co-workers have introduced parasitoids from Europe, tiny wasps that reduce the beetle's population. The parasitoids are doing the job at test sites in Rhode Island and Massachusetts, and are established at release sites in New Hampshire and Maine.\n\nSo what can the home gardener do? First, realize that help is on the way in the form of biocontrols. Second, recognize that herbicides for plants and insecticides for beetles ultimately don't work. Yes, you can kill lily leaf beetles or loosestrife with a spray, but you can't eliminate them. Third, use pest-resistant species such as 'Black Beauty,' a lily that is less attractive to the lily leaf beetle. Lastly, handpick beetles. I handpicked lily leaf beetles twice a day last summer and never saw a larva.\n\nAs organic gardeners, we have to accept that we are not in total control of the environment, and that sometimes we have to wait or endure some losses. Biological controls do work. Some exotic pests, like the birch leaf miner, are now nothing more than a minor annoyance, and there are already places where purple loosestrife is no longer a problem. So stay the course ' be organic.\n\n\n\n\n\n\n",
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      "author": "veststeem",
      "permlink": "symptoms-of-adult-diabetes-how-to-know-a-symptom-or-sign-for-diabetes",
      "title": "Symptoms Of Adult Diabetes - How To Know A Symptom Or Sign For Diabetes",
      "body": "\nThe symptoms of adult diabetes are symptoms that should be recognized. Recognizing a symptom or sign for diabetes is important because diabetes is a condition that can be life-threatening. Diabetes is a disease where high levels of sugar in the blood exist, creating a symptom or sign for diabetes. Diabetes can be caused by too little insulin in the body, by the inability to use insulin or both of these. Insulin is a hormone produced by the pancreas to regulate blood sugar levels. About 17 million persons in the USA suffer from symptoms of adult diabetes.\n\nDiabetes consist of three main types:\n\n* Type 1 Diabetes - is usually diagnosed in childhood. The body makes very little or no insulin, and daily injections of insulin are required to keep the person alive.\n\n* Type 2 Diabetes - accounts for about 90% of all cases of diabetes and usually occurs in adults. The pancreas do not make enough insulin to keep blood glucose levels normal, frequently because the body does not use the insulin produced very well. Symptoms of adult diabetes and Type 2 diabetes is becoming more common with the increasing number of elderly Americans, with the failure to exercise and increasing obesity rates.\n\n* Gestational Diabetes - is high blood glucose that develops during pregnancy in a woman who does not have diabetes.\n\nHere are the most common Type 2 symptoms of adult diabetes:\n\n1. Blurred Vision\n2. Fatigue\n3. Impotence In Men\n4. Increased Appetite\n5. Increased Thirst\n6. Infections That Heal Slowly\n7. More Frequent Urination\n\nHow does one know if symptoms of adult diabetes that are being experienced are actually indicating diabetes? The best way is to do a blood test called the fasting blood glucose level test. Diabetes is diagnosed if this test shows blood glucose is higher than 126 mg/dL on two different tests. If levels are between 100 and 126 mg/dL, this condition will be referred to as impaired fasting glucose or prediabetes and should be considered a risk factor for Type 2 diabetes.\n\nWhat does one attempt to do for stabilizing blood sugar levels and diabetes? While there is no cure for diabetes, the immediate objectives are to stabilize blood sugar and eliminate any symptom or sign for diabetes and high blood sugar. Long-term, the goals of treatment are to prolong ones life, to relieve symptoms of adult diabetes and prevent long-term complications that may result such as heart disease and kidney failure.\n\nA person with symptoms of adult diabetes should work closely with their physician to keep blood sugar levels within acceptable ranges. In addition, the more you understand a symptom or sign for diabetes and how to treat it, the more proactive you can become in making lifestyle changes that will improve your health. Besides oral medications, the good news is that Type 2 diabetes may respond to treatment with exercise, diet improvements and weight management.\n\nCopyright 2005 InfoSearch Publishing\n\n\n\n\n\n\n",
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      "permlink": "credit-card-offers-that-must-be-grabbed-immediately",
      "title": "Credit Card Offers That Must Be Grabbed Immediately",
      "body": "\nThe game in acquiring credit card is not fixed at one rule. There are several things to think about and to consider to get the best ever deal for a credit card. The more flexible you are in choosing and maintaining your credit card the better deal you may get from a credit card issuer.\n\nLending companies also make offers to allure clients to apply credit cards from them. However, they propose an offer in such a way that their capital and profit are not compromised. They will also need to give rewards and other benefits to keep their clients banking needs or doing business with them. For many companies, the rewards and benefits that they give are just equivalent to the promotion cost that other business is spending to get the attention of customers.\n\nThere are banks and lending companies that offer one or more type of credit card. These cards vary on the benefits and offers. Deposits also differ according to the scope and the capacity of card and its credit limit.\n\nThere are offers that are constant throughout the activation of the card. These offers do not change in time but can be change if no longer applicable. Changing said offer will now be the prerogative of the company. There are offers that are already included or part of the card. For example, a card that is actually intended for online shopping may have greater usage if one shops often in the web. Credit card offers are just incentives given to the client but are very beneficial indeed.\n\nThese credit card offers does not make the company bankrupt, instead they may use this to profit more as they will have plenty of clients. The question now is what are the offers that are worthy to be grabbed by clients? Are all credit card offers feasible and realizable?\n\nWell, not all offers may be true. There are offers that can be given only for a short period of time. Take for instance the annual fee. There may be companies that offer no annual fee for this year but only for this year. Surely the following year, that certain company will implement the annual fee and with little increase from the normal to regain back what was lost the previous year.\n\nHere are some of the offers that may hold true in all credit cards.\n\n-No APR - there are companies that will offer this kind of promo but with very strict condition. When a card secures such fees or rate, it is sometimes immaterial since the lending company has a guarantee that collateral maybe taken as payment for the capital lent. If you think that you can pay for the other interests and fees and you know that the company can never get the collateral, this offer is worth to be grabbed since it will lessen your dues.\n\n-Low Interest rate - When a credit card is unsecured or student credit card the interest rate may be higher. Although there are benefits that you can get from unsecured or student credit card, what is important is the less payment that you will be paying out of interest.\n\n-Broader Credit Limit - this holds true to secured credit cards. This may also be feasible to unsecured credit cards however; good credit standing is a big factor.\n\n-Cash Advance - a credit card is very useful if you can use it to advance cash for emergency purposes from an ATM. Banks and lending companies have different rules on how cash advance be implemented. There are credit cards that can advance 100 percent of the credit limit and there are some that are only limited to 30 - 50 percent of same.\n\nThese are just some of the offers that one must weigh to get the greatest deal ever for a credit card. Remember that you have your card for your consumption and for your burden.\n\n\n\n\n\n\n",
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      "author": "veststeem",
      "permlink": "kids-and-cars-tips-to-keep-your-children-safe",
      "title": "Kids and Cars: Tips to Keep Your Children Safe",
      "body": "\nAccording to the National Highway Traffic Safety Administration, more children are killed as passengers in car accidents than by any other type of injury. \n\nMany of these deaths and injuries can be avoided with the proper use of child safety seats and seat belts. While 97 percent of parents believe they install and use child safety seats properly, NHTSA reports that nearly 73 percent of child seats are installed and/or used incorrectly. \n\nThe following are some tips on child safety in and around motor vehicles.\n\n* Never position a child in the path of a front air bag. Kids of all ages are safest when properly restrained in the back seat. \n\n* Always keep a child secured in a child restraint. Make sure the harness straps and the seat itself are not loose and that your child is the right age and weight for the restraint used.\n\n* Before getting into the vehicle, check for children around the area, behind your vehicle and in the street. When backing out, roll down the window and listen to hear if children are playing near your car or calling out to you, check rearview and side mirrors for children (or pets) and honk to give a warning that you are moving your car.\n\n* Never let your child ride on your lap. It is not only unsafe, it is illegal in all 50 states. \n\nChrysler, Jeep and Dodge service specialists provide these additional reminders for child safety:\n\n* Never leave a child unattended in a car.\n\n* Always keep the car locked, including the trunk or hatch.\n\n* Keep fold-down seats in the upright and closed position so children do not crawl into the trunk.\n\n* Keep car keys out of reach and sight of children.\n\n* If a child gets locked in a car and cannot get out, immediately call 911 for assistance.\n\nThere is no substitute for having a child's safety seat professionally checked.\n\n\n\n\n\n\n",
      "json_metadata": "{\"tags\":[\"article\"],\"app\":\"steemjs-test!\"}"
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  "block": 22169605,
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  "timestamp": "2018-05-05T17:22:39",
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      "parent_permlink": "article",
      "author": "veststeem",
      "permlink": "new-test-for-breast-cancer-making-individualized-treatment-decisions-a-reality",
      "title": "New Test For Breast Cancer Making Individualized Treatment Decisions A Reality",
      "body": "\nWidely hailed as the next frontier in medical advances, the promise of individualized medicine is becoming a reality thanks to progress in understanding the molecular basis of diseases such as breast cancer. Scientists can now develop treatments that are tailored to individual genetic profiles, as well as tests to predict how a patient will respond to existing therapies.\n\nToday, some women with early-stage breast cancer and their physicians can make more informed treatment decisions with the Oncotype DX Breast Cancer Assay. This service provides quantitative information about genes from a woman's individual tumor to generate a Recurrence Score between zero and 100, indicating whether she is at high, intermediate or low risk for her cancer returning after treatment. \n\nOncotype DX is intended for patients with node-negative, estrogen receptor-positive breast cancer who are likely to be treated with hormonal therapy. Approximately half of the 230,000 patients diagnosed with breast cancer in the United States each year fall into this category, and are frequently offered treatment with chemotherapy, a widely used treatment with considerable side effects. Clinical studies show that chemotherapy improved patient survival rates in only 4 out of 100 patients, yet thousands of women continue to elect this costly and toxic treatment with only limited information about whether they might respond to it.\n\nA recent study demonstrated that women with high Recurrence Scores are more likely to benefit from chemotherapy, whereas women with lower scores derive only minimal benefit. Further, only 25% of women fell into the high-risk group, compared to 50% in the low-risk group, indicating that this common treatment is not appropriate for every patient. \n\nElizabeth Sloan of New York City is one of the many breast cancer patients not likely to respond to chemotherapy. An active mother with two young boys, Elizabeth was considering having another child when she was diagnosed at just 40 years old. She wanted to avoid chemotherapy, with its disruptive, short-term side effects and potentially serious long-term implications, but also wanted to be absolutely certain that it wouldn't help her.\n\nWorking with her doctor, Ruth Oratz, M.D., at NYU Medical Center, Elizabeth decided to have the Oncotype DX assay, and was delighted when her Recurrence Score turned out to be low-indicating that she may not benefit significantly from chemotherapy. \n\n\"No two women with breast cancer are exactly alike. Oncotype DX provides information that goes beyond standard measures, like age, tumor size and tumor grade, in determining the likelihood of disease recurrence,\" says Dr. Oratz. \"Oncotype DX gave Elizabeth and me added confidence and peace of mind in selecting the most fitting treatment for her.\"\n\nFor Susan Bakken of Denver, Colorado, Oncotype DX provided a different kind of peace of mind. Susan's Recurrence Score indicated that she was at high risk of cancer recurrence, and would likely benefit significantly from chemotherapy-to both her surprise and her doctor's. \n\n\"Based on the other tests I had, my doctor said he wouldn't have otherwise recommended chemotherapy. I was shocked to find out my result, but I was so glad I did because I believe this test basically saved my life,\" explained Susan.\n\nElizabeth Sloan is also grateful for the information she gained from Oncotype DX. \"Not all cancers are the same, so why treat everyone the same way with something so toxic?\" she said. \"It's so remarkable that finally, doctors can distinguish one person's cancer from another-I'm just so thankful.\"\n\nOncotype DX is a simple test that can only be ordered by a physician. It is performed on a small amount of breast tumor tissue removed during a standard lumpectomy, mastectomy or biopsy, meaning no additional procedure is required.\n\n\n\n\n\n\n",
      "json_metadata": "{\"tags\":[\"article\"],\"app\":\"steemjs-test!\"}"
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      "parent_permlink": "article",
      "author": "veststeem",
      "permlink": "tips-for-credit-card",
      "title": "Tips for credit card",
      "body": "\nCredit cards are widely in use because of the convenience and easy access they provide. If you own too many credit cards then it is necessary that you follow some credit card tips.\n\n<b> 1. </b> You should avoid cash advances whereby interest free periods offered on credit card accounts don't apply to cash advances. Most of the times, you will pay interest on the cash right from the time you have withdrawn it.\n\n<b> 2. </b> Whenever you use a credit card make sure that it is most suitable to your way of spending. If you are using a credit card for extended credit whereby you don't pay off the balance in full each month you should choose a card with a lower rate of interest. It may not be offering any interest free period but the lower rate of interest will save you much in the long run. On the other hand, if you use a card for paying for day to day purchases then you should go for a card with maximum interest free days and try to pay it off in full every month.\n\n<b> 3. </b> If you are eligible for a relationship discounts that are available from banks and credit unions for those who consolidate a range of banking business with one institution. Many home loans, personal loans rates and discounts are offered as such. \n\n<b> 4. </b> You should not get distracted by various offers that are issued by credit card lenders including introductory interest rates, reward programs or insurance. You need to look at the overall ongoing cost of credit of nay credit option you choose.\n\n<b> 5. </b> You need to watch out for the increasing range of ancillary fees and penalties charged for using your credit card and it's not the annual fees and interest rates that you should worry but you should consider for late payment of your fees, issuing secondary cards on same account, replacing a lost card, duplicate statements etc.\n\n<b> 6. </b> You should avoid paying interest upon your credit purchases where you should pay the full outstanding balance on your statement by the due date. In case you fail to do so, you shall be charged interest right back to the date of purchase. \n\n<b> 7. </b> You should keep a look for a wide range of offers given by financial providers and choose the best deal.\n\n<b> 8. </b>Try to maintain credit card security as fraud is growing day by day.\n\n<b> 9. </b>You should try to make low interest rate credit cards work for you. \n\nFor more information visit our recommended website <a href=\"http://www.credit-card-debt-consolidation-guide.info\">credit-card-debt-consolidation-guide.info </a>\n\n\n\n\n\n\n",
      "json_metadata": "{\"tags\":[\"article\"],\"app\":\"steemjs-test!\"}"
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  "trx_id": "73e42210f0fb55b2bf1ed9dc84f7554b818fe6a5",
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      "parent_permlink": "article",
      "author": "veststeem",
      "permlink": "car-buying-adviser",
      "title": "Car Buying Adviser",
      "body": "\n<b><u>Must Read before Buying a Car</u></b>\n\n\nPurchasing a car can be an exciting experience for anyone.  It doesn't matter if the vehicle you are purchasing is a car, truck, SUV, band, or even motorcycle, the thrill of purchasing an automobile gives the buyer a feeling of being free.  However, that feeling of being free can fade almost as soon as it comes if you are tied to auto financing that isn't the best option for your situation.  Car buyers can save themselves a lot of headache and hassle if they know what they need for they begin the car buying process.\n\nDetermine your needs and wants before you begin learning about getting appropriate financing for the car. If you find that you have been looking for more financing in the car that you need requires the news wasted valuable time that you can be spending on looking for your next vehicle. Once you've selected a vehicle that you are comfortable with to some background investigation on the car.\n\nResearch consumer report websites, as well as get other user feedback on the vehicle if at all possible. Don't forget research on any factory recalls that may have been implemented on the vehicle.  Finally, when you have decided on your vehicle, be sure that you are comfortable behind the wheel of the car and driving. A car is a large investment and you want to make sure that you will be comfortable in the years ahead while driving it.\n\nIt doesn't matter if you are purchasing a new car, truck, SUV, van or motorcycle the act of getting a new vehicle is an exciting experience. A new vehicle can mean freedom to the owner as long as the vehicle that they did meets their needs and wants.\n\nBefore you go to purchase your next vehicle, be sure to get a few preliminary things out of the way first. That can help you avoid hassles and headaches down the road. One of the first things car buyers should do is to make sure that the car that they shop for is one that will meet their needs for the next several years. This includes making sure that they are comfortable in the vehicle and can properly handle the controls.\n\nNever rush to test drive process as it is very imperative that you fully acclimate yourself to your new car and make sure it is one that you will be comfortable driving for the next few years. Next, research your new car as much as possible, online and by asking owners that have the car if they have any problems and how much they like having the car.\n\nFinally, make sure all of your financing is in order before you go searching for new car. You don't want to form an emotional attachment to a vehicle, only to find out that you will not be able to afford it later.\n\nBe sure that your financing options are in order before selecting the car of your dreams. You don't want to form an emotional bond to a vehicle and then find out that you will not be able to afford it. A vehicle purchase can be an exciting endeavor for anyone. However, make your next vehicle purchasing experience exciting as well is responsible by utilizing the tips above.\n\n\n\n\n\n\n",
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      "parent_permlink": "article",
      "author": "veststeem",
      "permlink": "how-to-compare-low-cost-long-term-care-insurance-in-oregon",
      "title": "How To Compare Low Cost Long Term Care Insurance In Oregon",
      "body": "\nLong term care insurance is probably the last type of insurance any of us want to think about, yet according to statistics from the state of Oregon's Department of Insurance, just about half of all Oregon citizens will require some form of long term health care at some point in their life.\n\nLong term care refers to any type of on-going assistance required for the normal chores of daily living, such as dressing, bathing, toilet functions, preparing and eating meals, walking, and other assorted functions.\n\nDon't fall into the trap of believing that Medicare or Medicaid will take care of all of your long term heath care requirements after you hit the magical 65, because the truth of the matter is, Medicare pays for almost no long term health care whatsoever, and Oregon's Medicaid program pays for only a limited amount and will offer you no choice about the facility where you will possibly need to spend the last years of your life.\n\nFinding low cost long term care insurance here in Oregon can be complicated due to the fact that so many factors must be weighed when designing a plan: do you want the plan to cover nursing home care or in-home care, what caps will the insurance have, what elimination period (deductible) can you afford, do you need built-in inflation protection, plus a myriad of other questions.\n\nHowever, before you talk to an insurance specialist about low cost long term care insurance it would be a good idea to go online and at least begin to compare long term care plans on one of the many sites which allow for such comparisons. By making your own preliminary comparison of low cost long term care insurance in Oregon you will be better prepared to ask the tough questions that need answers before you make the commitment for an insurance policy that may very well determine the quality of at least a portion of your future life.\n\n\n\n\n\n\n",
      "json_metadata": "{\"tags\":[\"article\"],\"app\":\"steemjs-test!\"}"
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  "timestamp": "2018-05-05T16:40:39",
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      "parent_permlink": "article",
      "author": "veststeem",
      "permlink": "online-gaming-is-as-addictive-as-heroin",
      "title": "Online gaming is as addictive as heroin",
      "body": "\nGaming is big business but it has its downside. People have died from gaming and the world is recognizing that game addiction is serious and spreading fast. Mental health professionals opine that gaming can destroy lives, keep students from focusing on learning, workers from working, and women from their duties. There are instances where gamers have not left home for years. \n\nGames like EverQuest, Dark Age of Camelot, and others are popularly referred to as heroinware.  And symptoms of addiction according to Computer Addiction Services at McLean Hospital are: obsession with the game; inability to stop; neglect of family and work; lying to hide activity; problems with studies and work; health problems, muscular as well as vision related; neglect of personal hygiene; as well as sleep disturbances. \n\nThe games provide social interaction to lonely people, gamers gain acknowledgement as well as power denied elsewhere due to their gaming expertise, and the game weaves a spell on the mind'one gets so absorbed by the virtual realities that it is hard to get away.\n\nThe addiction is so real that it requires intensive therapy. Treatment programs include: behavioral therapy, anti-depressants, as well as prescription drugs. \n\nNot all agree that gaming is addictive. MIT's Games-to-Teach project manager opines that games sharpen critical thinking, improve social skills, and increase empathy. Many others do agree that games inspire imagination, creativity, and team work.\n\nHowever, the problem is real and countries world over are taking measures. China has set up a clinic in Beijing for net-frazzled addicts to be treated with sports, acupuncture, and medication. The inmates according to the clinic's director have: depression, nervousness, fear, interaction problems, panic, agitation, shaking and numb hands, as well as sleep disorders. Gaming is a serious problem in Korea --- 1-2% of South Korea's online gamers are addicts. The government is taking steps and requesting game developers to create advisory patches to alert gamers to the impeding dangers.\n\nA hard core gamer is one who is completely absorbed by his online fantasy, he isolates himself from family and friends, lets everyday activities fall by the wayside, spends over 16-20 hours a day playing the game and games at work, at home, and while on the road. Gaming becomes his whole life, a thirst that is never quenched.  \n\nTreatment is long and hard and like other addictions the first stage is the most difficult, getting the gamer to acknowledge that he or she has a problem. Addicts find it extremely painful to 'kill' the characters of the game and to erase /destroy the software. Most are unable to 'keep away' and return to the game addictively.  Studies indicate that hard core players are often neurotic, shy, have emotional as well as behavioral issues, and problems in the home environment. \n\nTo overcome the addiction, the player must consider and analyze the issues underlying the game'it is the question of power, social standing, respect, and emotions. \n\nGaming is set to become a global epidemic and needs immediate attention as well as solutions.\n\n\n\n\n\n\n",
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      "parent_permlink": "article",
      "author": "veststeem",
      "permlink": "1099-misc-forms-for-independent-contractors-for-2005",
      "title": "1099-MISC Forms For Independent Contractors for 2005",
      "body": "\nAs we begin 2005, you're probably not thinking about taxes at all. This is a mistake as deadlines are approaching for issuing and filing 1099s to independent contractors.\n\nWhat is a 1099 MISC?\n\nGenerally speaking, the IRS requires you to report certain payments you made during the year to independent contractors. The 1099-MISC form is a single page on which you report to total amount you paid to the independent contractor during 2005. \n\nThe 1099-MISC forms must be issued to any person you paid at least $600 in rents, services or other income payments. For example, if you hired a contractor to renovate a room in your home and paid them $5,000, a 1099-MISC filing would be required. As with practically any IRS filing, there are additional situations that require a 1099 filing. Any payments to attorneys must be reported regardless of the amount. Royalties totaling over $10 also must be reported. Generally, you are not required to report payments to a corporation.\n\nWhen and What Must Be Filed?\n\nThe 1099-MISC form is a multi-layered carbon form, so make sure the information you provide appears clearly on all of the copies. Once you fill out the form, provide Copy B to the person you are reporting to the IRS by January 31, 2005. \n\nCopy A of the 1099-MISC form is intended for the IRS. You must file it by February 28, 2005 if you are sending the form by mail. If you prefer to file electronically, you have until March 31, 2005.\n\nThe IRS has made a major effort to cut down on red tape, but you'll still find it with 1099-MISC filings. In addition to filing the 1099 with the IRS, you must also file a 1096 form. The 1096 form is the 'Annual Summary and Transmittal of U.S. Information Returns' form. It is one page and extremely easy to fill out. \n\nAlthough the IRS has an excellent web site, you can't download 1099 forms off of it. The official forms are still multi-layered carbon paper, which means you need to get a physical copy. The IRS should send you the forms in the mail. If they don't, you can order them off the IRS site or call the IRS to have them sent to you. If all else fails, you can usually find the forms at major post office and public library locations. If you fail to file 1099s, the IRS will penalize you $50 per 1099. \n\nMore than a few people have grumbled about filling out 1099s so early in the year, but doing so has indirect benefits. You are forced to start organizing your records for 2005.\n\n\n\n\n\n\n",
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      "author": "veststeem",
      "permlink": "discover-how-to-easily-read-nutrition-labels",
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  "timestamp": "2018-05-05T11:55:33",
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      "parent_permlink": "article",
      "author": "veststeem",
      "permlink": "dipping-into-your-state-health-insurance-pool-what-are-the-requirements",
      "title": "Dipping into your State Health Insurance Pool - What Are The Requirements?",
      "body": "\nState health insurance is a branch of health insurance that is for high-risk individuals with chronic and/or pre-existing conditions. Most common diseases to see on this type of insurance are HIV, AIDS, kidney disease, obesity, and diabetes. This high-risk pool is designed to act as a safety net to offer some form of insurance to these people but for a hefty premium.  This program has fewer participants due to the cost. This plan is not low-income friendly. Rates can be as much as double what the normal market value for health insurance is. The pool does tend to offer better benefits but is definitely geared to those people that truly afford insurance. So, most people who fall under this category and require this type of plan are likely to be uninsured due to not being able to afford a plan. This plan is last resort for persons with such illnesses that land them for emergency or hospital care frequently, and it that case pays for itself quickly. Some of the few persons who cannot afford this are lucky enough to have a spouse in the work place that is able to add them to their policy from their employer, these plans cannot discriminate due to chronic or long-term illnesses. The State Health Insurance Pool knows its rates are high, and claims so are medical costs for the chronically ill. They have to charge more to be able to get ahead and stay afloat. \n\nMost risk pools are nonprofit associations ran by the state. Usually they do not use taxes to operate their business. Most persons requiring this type of service usually are filling up the gap in cost of what their normal plan won't cover or is a temporary pit stop till they can find a plan that accepts them at a lower cost. The people who qualify for this type of coverage must be a resident of the state they are applying in. Most states require you live there for at least six months and some up to one full year before reaching residency status. You also need one of several possible documents from other insurance companies. You will need proof of rejection from at least one company denying them benefits similar to the ones being asked for. You can use proof of insurance with a higher premium as well. You may also be eligible if you can show proof of insurance with a rider or rated policy. Any of the above mentioned could get you approved to apply for the risk pool in the state you reside in. A reciprocity agreement is when a person who is eligible for the plan and is currently on a similar plan, met the waiting period quota, and not used up the lifetime maximum benefits can still be eligible if they move to another state after they meet the residency requirement. Not all states, but most, have this agreement included into their plan. \n\nThere is a list of those who are not eligible in the high-risk pool besides non-residents. You are no longer eligible if you move to another state but if you have a reciprocity agreement, you can become eligible in the state you now reside after residency has been established. Most people who are eligible or receive Medicaid or Medicare are also not eligible. Many states do have a high-risk plan for Medicare eligible persons, but if you receive or could receive Medicaid than you don't qualify. If a person has terminated their coverage in another plan and less than 132 months have passed they are not eligible for the pool till that time is up. Those who have used their maximum lifetime benefits for their plan are also not qualifying. Inmates of a public institution are also not eligible for the risk pool. Other specific exclusions can include state decided specific diseases or medical conditions that they just don't want to cover. An enrollment cap may also be in affect so only a specific amount of persons may be actively enrolled at any given point of time. All other applicants who are eligible will be placed on a waiting list till there is an opening. There seem to be a higher list of those who don't qualify then who do for this high-risk benefit that costs an arm and a leg anyway.\n\n\n\n\n\n\n",
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      "parent_permlink": "article",
      "author": "veststeem",
      "permlink": "discover-how-to-easily-read-nutrition-labels",
      "title": "Discover How to Easily Read Nutrition Labels",
      "body": "\nThere are so many nutrients in food, so many ingredients, so many facts to know about what's supposedly good for you and what's supposedly not? Fortunately for all of us, the US Food and Drug Administration (US FDA) created a standardized format for the nutrition label that all processed and/or packaged consumer foods must affix to the outside of their product. So, no matter what the food, you can easily compare its value to you with that of any other food.\n\nThere are 3 fundamental areas to look for first on a nutrition label, and they're all conveniently grouped together near the top, just under the title 'Nutrition Facts'. \n\nWhat is the Serving Size: standardized amount (like cups or tablespoons or pieces) followed by the equivalent amount in the metric system (such as grams). In general \n\nHow Many Servings Per Container: Most packaged foods contain multiple servings in a single package, making it easy to double, triple, quadruple, etc. the caloric intake from that of a single serving.\n\nWhat are the Amount of Calories Per Serving: Typically, a single serving of around 40 calories is considered low-calorie, around 100 is considered moderate, and 400 is considered high-calorie. \n\nKeeping tabs on the amount of servings you take in, based on the caloric intake per serving, is one great way to manage your weight. Another is to balance out eating high-calorie foods with some low-calorie foods earlier or later in the day.\n\nThe next step to using nutrition labels to help control your weight is to get the most nutrition out of the calories you take in. \n\nUse the Percentage Daily Value to tell you how rich in each of the required nutrients the food really is. Daily values are based on a 2000-calorie diet. 5% or less of a nutrient's %DV is low, 20% or more of a nutrient's %DV is high. Limit your amount of Total Fat, Cholesterol, and Sodium. No daily requirement exists for Trans-Fats (the most dangerous kind), though their quantity per serving does appear on the label; so just be sure to keep them to an absolute minimum. Make sure to get plenty of Dietary Fiber, Vitamin A, Vitamin C, Calcium, and Iron.\n\nOnce you have gathered all the information you need, you simply ask yourself if a food choice is a wise choice for you in terms of both calories and nutrients, and whether it makes more sense for you as part of a meal or as a standalone snack. If the answers to these questions don't satisfy you for a particular food, then the next question to ask yourself is whether you can find a suitable alternative. The answer that question is almost invariably, 'Yes'.\n\n\n\n\n\n\n",
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      "permlink": "avail-finance-at-better-terms-on-unsecured-home-improvement-loan",
      "title": "Avail Finance At Better Terms On Unsecured Home Improvement Loan",
      "body": "\nEven if you do not want to offer your home or any other property to lenders as collateral, you can do those home improvement works if you avail unsecured home improvement loan. This loan is especially designed for people who do not like to risk their property for the fear of repossession. Unsecured home improvement loan can be utilized for numerous purposes like adding a storey to the house, painting, plumbing, redecoration etc.\n\nAs no collateral is offered to lenders, credit report, credit score and financial standing of the borrower plays a crucial role in availing unsecured home improvement loan. In the absence of collateral, risk involved in the loan offer increases. To reduce the risk, lenders first see the credit score of the borrower. Lenders consider a credit score of 620 and above as safe and risk free for offering loan to such borrowers. So to avail unsecured home improvement loan borrowers should look into their credit score. If the credit score is not good enough then make efforts to improve it by paying off easy debts and adding this in the report. This may increase your credit score.\n \nThere are three major credit rating agencies namely Equifax, Experian and Transunion. FICO score of Experion gives real picture of borrower's credibility.\n \nYour financial standing and loan repayment capacity also counts a lot in availing unsecured home improvement loan. You should give proof of your steady income source and show that you are able to repay the monthly installments and principal amount of the loan. Once lenders are satisfied with your financial position, getting unsecured home improvement loan becomes easier. \n\nLenders offer unsecured home improvement loan to the borrowers anywhere in the range of '500 to '25,000 depending on the credibility and repayment capacity of the borrower. The loan is usually given for a repayment term of 6 to10 years.\n\nUnsecured home improvement loan come with a higher interest rate because lender is not offered any collateral and the lender has to cover the cost of insurance policies which are taken to protect lender in case borrower fails to pay back the loan. The interest rate, however, can be brought down if the borrower applies for the loan online and out of numerous loan packages borrower can chose the one containing lower interest rate.\n\nBorrowers should ensure to them that loan amount is within their repaying capacity so that they do not fall in a debt trap. They should also pay monthly installments in time. This way the loan will add to your financial strength.\n\n\n\n\n\n\n",
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      "author": "veststeem",
      "permlink": "tips-for-women-how-to-choose-clothing-for-your-children",
      "title": "Tips for Women: How to Choose Clothing for Your Children",
      "body": "\nFrom the time your child is born you will be making choices in children's clothing. After having a baby, women usually receive some clothes as baby gifts. Often these are small sizes that your child will outgrow very soon. So you can see that buying clothes is an ongoing task for parents.\n\nAs an infant, a baby will change sizes every few weeks. Buy durable clothing in washable, comfortable fabrics. Babies have many accidents so you'll need to buy clothes that are easy to clean. If you use bright colors instead of pastels, they will not soil or stain as easily. When shopping for children's clothes, many women seek high-quality clothing. But if you're on a tight budget, you can always wait for clothing store sales at places such as Gap, Old Navy, Disney Baby, or Babies R Us.\n\nBargain Seekers\n\nWith the knowledge that a child will outgrow their clothing quickly, some women go thrift shopping and check garage sales. Many times these clothes are barely worn and may even look almost new. Thrift shopping is a good way to find children's brand name clothing without paying the full price. Sometimes clothing for boys in larger sizes is harder to find at these sources because of the wear and tear. Finding clothing for girls may be a bit easier. The key to finding great clothes at a bargain is to shop often. Visit your local thrift shop once a week and frequent yard sales in your area. \n\nYard sales are even better than thrift stores in some ways because you can bargain with the seller. Try picking out a bundle of clothing and other items; then make an offer for the entire bundle. You might be surprised at how little you will pay for items. Also, check for bargains through the newspaper classifieds. Occasionally, you'll see offerings for children's clothing directly through the ads.\n\nPreparing for Ever-Changing Sizes and Needs\n\nWhen your child gets to the toddler stage, clothing needs will change. During and after potty training, separate tops and bottoms will be more practical. Dresses and pull-on pants make training easier and encourage the toddler to be independent. Buy clothes that are easy to put on and take off so your toddler can learn to dress himself. You will need to buy good shoes that are comfortable. When fitting shoes, allow a half-inch in front of the toes when standing and make sure the heel fits properly.\n\nIf you have younger children of the same gender but different ages, or if you plan to have another baby soon, keep unsoiled clothing put away for the next child. This will save you money, and younger children usually never know the difference. Store the clothing in a dry, tightly sealed plastic container to keep mice and moths out. Include a fabric sheet to keep the clothes smelling fresh.\n\nBuying Children's Clothing for School\n\nWhen your child starts school, clothing needs will again change. At this time, your child may want to help pick out clothes. Before you go shopping for clothes, have your child try on last year's clothes and see what can still be worn. Then look for clothing that is comfortable, washable, and easy to keep clean. Many mothers choose children's clothing that is simple with large buttons and has zippers with pulls, elastic waists, and large neck openings. Buy clothes that are appropriate and safe. Avoid big legs, loose ribbons or sashes, and slippery shoes. Even if you can't afford expensive fashionable clothes, choose basic clothing in colors and styles your child likes. \n\nWatch for store sales on school clothing and save money if your state has tax-free shopping days. In the winter, dress your child in layers. While they are outdoors they can wear their coats, hats, gloves, and scarves. Inside, they can also wear layers to remove if they become uncomfortable. A sweatshirt over a button-up shirt or a t-shirt under a button-up shirt will provide this option. Many women with smaller children choose clothing that will be easy to remove when going to the bathroom. The teachers always appreciate this!\n\nRemember that some styles may be cute and very stylish but not comfortable or practical. Look at women's magazines to get ideas, or talk to other mother's that have more experience with children's clothing to make the best choices.\n\n\n\n\n\n\n",
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      "permlink": "re-veststeem-georgia-car-insurance-quote-what-is-a-good-deal-20180505t111506798z",
      "title": "",
      "body": "The number one position belongs to New Jersey with average expenditures of almost $1,200 per year. In cities like Detroit and New York the averages are much higher and range from $3,000 to $5,000.",
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      "author": "veststeem",
      "permlink": "georgia-car-insurance-quote-what-is-a-good-deal",
      "title": "Georgia Car Insurance Quote - What Is A Good Deal?",
      "body": "\nSome Georgia statistics\n\nThe average auto insurance expenditure for 2003 was $758.69 per year. When compared to the rest of the United States this is very affordable. Georgia ranks right in the middle as number 25 in the contest for the most expensive car insurance. The number one position belongs to New Jersey with average expenditures of almost $1,200 per year. In cities like Detroit and New York the averages are much higher and range from $3,000 to $5,000.\n\nAlthough Georgia is considered affordable there are still many ways to decrease your monthly auto insurance bill.\n\nAs any business insurance companies have costs and can only budge so much on what kind of price they can offer. 65% of the premium that you pay goes straight to claim payouts. This leaves only 35% for overhead and profit. Overhead and taxes account for 25% of your premium which leaves 10% profit. (2004 Insurance Information Institute) 10% profit however leaves plenty of room for an individual to compare quotes and shop around for a good deal and find it.\n\nHow to pay only for what you need\n\nFirst and foremost do not insure yourself for damages that you can afford to pay. Insurance is wisely used only to cover damages that cannot be paid for out of your own pocket. For instance compare what higher deductibles would save you compared paying one in the case of an accident. Think about what your driving record has been like in the past three years and make a good guess as to what your record will be like in the future three years. Is it likely to change?\n\n\n\n\n\n\n",
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      "author": "veststeem",
      "permlink": "mortgage-loan-for-you",
      "title": "Mortgage Loan For You",
      "body": "\nMortgage loan is the money that the lender gives to the borrower; sometimes these loans need a guarantee. A mortgage is what one gets as a certification once the asset is used as a pledge for security. There were times when availing mortgage loan was very difficult but with the growing competition it has become very simple to get mortgage loan. The loan amount can be used for various purposes such as purchasing a property, wedding, vacation, medical purposes etc.\n\nAs a security is attached with the loan therefore the loan amount is very high. Every individual has his own requirement as a result one should choose the right kind of loan that would solve his purpose. In mortgage loan the time of repayment is very long it may extend unto 25 years or more. Since the repayment tenure is so long therefore the monthly installment that the borrower has to pay is not much and does not disturb his monthly finances.\n\nMortgage loan can be generally divided into two types:\n\n1. Fixed rate mortgage loan\n2. Adjustable rate mortgage loan\n\nIn case of fixed rate mortgage loan the interest rate remains the same throughout the tenure of the loan. In this kind of loan the borrower is more relaxed because he knows the amount that he has to pay every month and accordingly plans his budget. Therefore the borrower will not be affected by the change in the interest rates as his mortgage amount will not change.\n\nIn adjustable rate mortgage loan or variable rate mortgage loan the interest rate is adjusted from time to time based on an index. By taking this kind of mortgage loan the borrower can lower his payments as he is ready to take the risk of change in the interest rates.\n\nApart from these two there are various kinds of mortgage loan such as interest only mortgage loan, graduated payment mortgage loan, negative amortization mortgage loan, conventional loan, extendible balloons and many more. It is for the borrower to decide on the kind of loan that would fulfill his requisite.\n\nMortgage loan is a kind of loan that would continue for years, therefore the borrower would want the best and the most reasonable rate as he has to pay the interest for many years. There are certain things that affect the mortgage loan interest rate such as loan amount, loan tenure, down payment, income of the borrower, whether or not the loan is adjustable etc.\n\nThere are certain points that the borrower must keep in mind before availing mortgage loan.\n\nFirstly, the borrower should decide on the loan amount after assessing his income and the pay back capacity so that the loan does not hamper his budget.\n\nSecondly, one should do complete market study before availing mortgage loan, and then choose the best deal as per his need.\n\nThirdly, mortgage loans are of various kinds, so the borrower should decide on the type of mortgage loan according to his constraint.\n\nFourthly, the borrower must have a clear idea about the rate of interest, the monthly installment that he has to pay, the terms and conditions and the tenure of the loan. One should calculate the interest rate and the monthly installments beforehand so that he does not end up paying more to the lender.\n\nFifthly, the borrower must check the means and standing of the mortgage loan lender.\n\n\n\n\n\n\n",
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      "author": "veststeem",
      "permlink": "what-to-know-before-you-start-a-lawn-care-business",
      "title": "What To Know Before You Start A Lawn Care Business",
      "body": "\nFor those who relish the idea of entrepreneurship, the start of your own small business can be enormously freeing ' both financially and emotionally. Of course, owning and operating a successful business means initially finding a business idea that will meet a need while generating enough of a cash flow to be financially viable. A lawn care business can be a wonderful business, both in terms of the demand for its services and the possibilities for a lucrative return on investment.\n\nClearly, the first step in determining whether or not a lawn care business is for you, is examining your enjoyment of such work. Starting a business built on financial goals rather than your love of the business is destined for failure. If you truly love to work outdoors, to bring creativity to the table, to nurture a lawn into health and vitality, then a lawn care business will bring you much more than cash. If you love what you do on a daily basis then you will never work another day in your life; because when you do what you love it doesn't feel like work.\n\nOne thing you should know up front before beginning a lawn care business is the non-traditional hours that will be required of you. Many of your customers will require your services over the weekend; some lawn maintenance may need to be done during early morning hours ' or later when the sun has set. While you may be successful enough at some point to hire employees who can help offset the workload for you, initially it may just be you. Be prepared for some long days and weeks early on in your lawn care business as you build your customer base.\n\n In the beginning of your lawn care business you may consider keeping your full-time job as you work after hours building your business. Once you begin receiving a steady stream of work you can leave your full-time job and concentrate solely on your new venture. In an effort to build business, it may be wise to offer a variety of services; mowing, weeding, raking, leaf blowing ' all of these can keep you busy throughout the year.\n\nIf you feel that a lawn care business is right for you begin by doing a vast amount of research regarding start-up costs, proper equipment, fee schedules, and insurance. Hiring a lawyer is a wise idea as he/she can assist you setting up proper financial accounts and more. \n\nAs you begin this journey into a new career, you may find that a lawn care business is exactly what you've wanted to do all along.\n\n\n\n\n\n\n",
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      "parent_permlink": "article",
      "author": "veststeem",
      "permlink": "jobless-india-at-2081-ad",
      "title": "Jobless India at 2081 AD???",
      "body": "\nAs population of any state increase so as more and more manpower is available for that particular state or country. But in India this simple rule is going against.\n\nIn this ancient land of world according to 1991 census the population of this land was approx.82crores. The main work force among population was 34.118%.\n\nThis simply means that one Indian was working for three others non-active persons. In contrast to this statistics as per census of 2001 total population of India was 1027015247.out of this only 30.49% were main workers.\n\nIn last 10 years 1991-2001, percentage of main workers among total population has come down from 34.18% to 30.18%. The clear cut 3.69% decline is number of workers.\n\nThe major reasons to this shortcoming in now availability of jobs. We have chosen the specific time period (i.e. 1991-2001) as new economical reforms or liberalization of economy was started in year 1991 by then finance minister Dr.Man Mohan Singh to 2001, in times of BJP disinvestments period (feel good era).\n\nWhat these so called reforms & others new economical policies did effect on jobs availability in this peninsular country. The open eye investigation by ABC news team revealed the eye opening facts about it.\n\nAs per 1991 census only 34.18% of total populations were main workers among males, 51% of them were main workers. As in female side only 16.03% of total female populations were in working battery of nation.\n\nThe above statistics showed considerably down trend in 2001 census where total percentage of worker among population come down sharply from 51% to 45.27% means 5.73% decline. In this contrast woman jobs are also decreased but slightly from 16.03% to 14.66% means decrease of 1.66%.\n\nThe reasons behind these are new industrial environment in India's and huge increment of population.\n\nThe population of county is increasing at the rate of 20.18% per decades compare to this the job opportunities in this part of world are decreasing at the rate of 3.69% per ten years. This clearly indicates that any increase in India's populations directly proportional to the percentage of jobs left of future generations.\n\nThe new economic order in country has added fuel in this problem since 1947 India had taken path of socialism under congress govt. center. All economical decisions were taken keeping the idea of socialism. But the year 1991 was path-breaking year in which this social state started to move towards capitalist order. The economy was so called liberalized (liberalized) the political circle started favoring the management's. The labour rights started marginalized since then to today this trend has reached at no back point. This has become immaterial which party/ a person in power has to comply with these capitalized orders.\n\nIf this down trend continues for next 22 year that is very apparent. India or Bharat will be totally jobless in 2081 AD\n\nIn this male dominated society one fact is very hard hitting that male jobs are decreasing at rate of 5.73% per decade where as female jobs are reducing at the rate of 1.66% per decade. This statistics become more crucial after knowing the social fabric of India where males are main bread earners and females play role of bread prepares. If male of society is not able to bring bread for his family the role of female in this social fabric will be further marginalized this will create lawlessness and complete anarchy in the society.\n\nIn India there are very few families, which are solely dependent on female bread earners. Mostly women work where their husbands are also in jobs. Thus they are helping their husbands in bread earning and preparing.\n\nThe precise and timely planning are options left. The hopes are demising. The sun is far away. Only right man at right place can prevent the situation to happen otherwise jobless India is waiting at 2081 AD.\n\n                              Dinesh singh Rawat\n                          special correspondnet\n                       www.abcnewsnetwork.com\n\n\n\n\n\n\n",
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      "parent_permlink": "article",
      "author": "veststeem",
      "permlink": "olive-oil-a-great-solution-for-hair-and-skin-care",
      "title": "Olive Oil A Great Solution For Hair And Skin Care",
      "body": "\nOlive oil has been widely used in your salads as well as many other things. It is one of healthiest components to make your food taste better. This oil comes directly from the Mediterranean Region and it has become so famous that it has been used in all the continents. It is a favorite among all the health conscious people. Due to the immense number of benefits, it has been ranked among the top nutrition provider. It has been widely used in soaps making it mild and very skin friendly. It also helps to moisturize your body by the use of this oil in the soap.\n\nHome Made Recipes\n\nIf you want to have smooth and fine nails olive oil is the best solution. Dowse your nails in a cup of olive oil for 30 minutes and find the best results.\n\nApply Olive oil liberally on your hands. To avoid spreading it elsewhere wear cotton gloves. This method helps you to get a smoother and softer skin.\n\nOlive oil is the best solution for chapped lips. It does wonders to your lips.\n\nTo have beautiful, lustrous, shiny, silky and dandruff free hair, olive oil is the best bet. You can apply good amount of oil on your hair and cover it with a shower cap for 30 minutes, later shampoo it.\n\nIt is great moisturizing solution which makes your skin softer and smoother.\n\nTo make yourself an interesting bathing solution you can add 3-4 tbsp of olive oil with a few drops of essential oil.\n\nYou can make an excellent night cream by using 1/2 cup olive oil, 1/4 cup vinegar and 1/4 cup water. This helps to lighten your skin, kill bacteria and makes your skin smooth and clear.\n\nIt can work as a cleansing cream if you have dry skin.\n\nApply olive oil and then scrub with good amount of sugar. Later, wipe the sugar off your face with wet and warm cloth. One of the easiest ways to get facial done.\n\nSoften your feet by applying olive oil on your feet.\n\nMix in bowl 1 egg, 1 tsp honey, 1/2 tsp olive oil and few drops of rose water. Use this as a mask for dry skin. Once applied keep it for sometime, later rinse it off with warm water. Dab it dry.\n\nMake a paste by mixing some mashed apricots and warm olive oil. Apply this paste all over your face and leave it for 10 minutes. Wash it off with water.\n\nWarning: The reader of this article should exercise all precautions while following instructions on the recipes from this article. Avoid using any of these products if you are allergic to it. The responsibility lies with the reader and not with the site or the writer.\n\n\n\n\n\n\n",
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      "permlink": "cross-tattoos-the-symbolic-meaning-of-religious-designs",
      "title": "Cross Tattoos - The Symbolic Meaning Of Religious Designs",
      "body": "\nCross tattoos are a popular choice if you're looking for a design that's iconic and rich with symbolism. But the origin of the cross design is unknown. The cross is one of the oldest and most basic designs known to humans. It has been used to decorate all manner of things including pottery and cloth for as long as humans can remember.\n\nIn ancient times the cross was used as part of the Aztec, Egyptian, Greek and Norse cultures for many centuries. The symbol of the cross was also used by various pagan religions that pre-date Christianity by thousands of years, and as a consequence cross tattoos are almost as old as the cross design itself.\n\nEventually, due to the rise of Christianity and the cross being a sign of execution by crucifixion, it became a symbol of Jesus's death and subsequent resurrection. The Christian cross (a vertical line intersected at right angles approximately one third from the top) is used by followers to profess their faith and the clergy to bestow blessings. These days Christian tattoos are an exceptionally popular way for people to express their Christian faith\n\nSo why are cross tattoos so popular?\n\nThe cross design has a number of practical advantages. To begin with, it's widely recognised and socially acceptable in most places. But beyond that it can be scaled to almost any size, placed anywhere on the body and can be combined with virtually any tattoo design. For example, it could be used in conjunction with flowers, words, animals etc to add greater meaning and individuality to the design. For these reasons a cross design is a popular choice of first tattoo with millions of people.\n\nAnd finally, as already mentioned they convey a wide range of meanings to a wide range of people. However, cross tattoos are not only a sign of religious faith. Due to the number of symbolic meanings that can be held by the wearer of a tattooed cross, one person may use it to represent their religious beliefs while another person may just like the design. However, for the purposes of this article, we'll consider the main types of religious cross tattoo designs.\n\n1) The Latin Cross\n\nThe design of the Latin cross is one of the most instantly recognisable in the world. It consists of a vertical line that is intersected at right angles by a shorter horizonal line about one third of the way from the top, and as such is the design most closely connected with Christianity.\n\nThis simple cross design is a good choice for a first time tattoo. The design can be scaled to any size, it's socially acceptable, it has a wide range of religious and spiritual meanings and it can be added to by further designs in the future. For example, if you have a basic latin cross, you could add a dove to the design to symbolize peace, you could add a shamrock to represent the Irish culture, or you could add the name and date of death to pay tribute to someone special who has died.\n\n2) The Celtic Cross\n\nCeltic cross tattoos are one of the best looking and most symbolic designs available. The basic design involves a standard latin style or Christian cross with a Celtic knot placed over the area where both lines cross over. Alternatively the border of the cross is surrounded by a series of Celtic knots.\n\nThese Celtic knots are designed in such as way that the strands of the design have no beginning and no end. This simple and elegant design is taken as a powerful symbol of the never ending nature of human life, while the knot itself represents the joining together of the physical and spiritual worlds.\n\nThe Celtic cross makes a great tattoo design and thanks to its long and symbolic history it is extremely popular among people from Scotland, Ireland and Wales who have pride in their Celtic heritage.\n\n3) The St. Andrew's Cross\n\nThe St Andrew's cross differs from the traditional style of cross as it is shaped more like an X than a T. History says that the St Andrew's cross came about after St Peter (who felt he was unworthy of the same death as his Lord) was crucified upside down. St Andrew followed the same belief and so the modified cross became linked to his name.\n\nSo these cross tattoos are great if you want to be slightly different from the rest of the crowd. And as St Andrew is the Patron Saint of Scotland, these cross tattoos are ideal for people with Scottish links who want to pay tribute to their ancestors.\n\n\n\n\n\n\n",
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      "author": "cheetah",
      "permlink": "cheetah-re-veststeemwhy-you-should-book-a-stay-at-a-hawaii-beach-rental",
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      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttps://vacationpadre.com/south-padre-island-vacation-rental/",
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      "permlink": "why-you-should-book-a-stay-at-a-hawaii-beach-rental",
      "title": "Why You Should Book A Stay At A Hawaii Beach Rental",
      "body": "\nAre you gearing up to make your Hawaii vacation reservations? Before you go ahead and make those reservations, you are advised to take a minute and make sure that you thoroughly examined all of your options. Although there is a good chance that you thought about Hawaii vacation resorts and Hawaii hotels, did you think about Hawaii beach rentals? If you haven't, you are advised to, before you proceed with making your Hawaii vacation reservations. There is a really good chance that, after a close examination, you may want to stay at a Hawaii beach rental.\n\nWhen examining Hawaii beach rentals, you will find that a number of different overnight accommodations and establishments are considered Hawaii beach rentals. These establishments are beachfront vacation homes and beachfront vacation condos. With a beachfront vacation home and a beachfront condo, you are not just making a reservation, but you are actually renting them, even if it is only for a week. Many times the term rent is used because of the cost of doing so. You will almost always find that it is quite a bit more expensive to stay at a Hawaii beach rental than it is at a hotel or a resort. Despite the increase in costs, it is always more than worth it to stay at a Hawaii beach rental. If you are looking to figure out why, it is best to examine the two most popular types of Hawaii beach rentals, including their benefits.\n\nAs previously mention, Hawaii beachfront rentals include vacation homes. In Hawaii, these vacation homes are often referred to as Hawaii beachfront vacation homes. What is nice about Hawaii beachfront vacation homes is that they are actual homes. This means that almost all beachfront vacation homes come with multiple bedrooms, bathrooms, kitchens, dinning rooms, laundry rooms, and private backyards. In addition to private backyards, as you might have already assumed, Hawaii beachfront vacation homes are located along the coast. This means that in addition to possibly have a private backyard, you can also have the ocean at your feet.\n\nIf you are interested in booking a stay at a Hawaii beachfront vacation home, it is advised that you make your reservations well in advance. Whether you are planning to vacation on Maui, Oahu, Molokai, Lanai, Kauai, or Big Island, you will find that vacation rentals, particularly beachfront ones, are in high demand. Therefore, if you are looking to stay at one of these private and secluded Hawaii beach rentals, you are advised to make your reservations well in advance. Doing so will not only help to ensure that you get to book a stay at a Hawaii beach rental, but it will also help to ensure that you get the vacation home of your dreams.\n\nIn addition to booking a stay at a Hawaii beachfront vacation home, you can easily enjoy a Hawaii beach rental by booking a stay at a Hawaii beachfront vacation condo. Although beachfront vacation condos and beachfront vacation homes do sound quite similar, they are also quite different. Instead of independent buildings and homes, like vacation homes, these popular Hawaii beach rentals are large buildings, often high-rises. Inside those large buildings are a collection small living spaces; these small living spaces are referred to as condos. Beachfront vacation condos are condos and condos buildings that are located along the coast. Although beachfront vacation condos are not as private as most vacation homes, do they have some similarities. Such as the fact that they both come with bathrooms, bedrooms, kitchens, dinning rooms, and all of those rooms are fully furnished.\n\nIf you are interested in booking a stay at a Hawaii beachfront condo, you are advised to make your reservations in advance, especially if you are planning on visiting a popular area of Hawaii. Although beachfront condos will not fill up as quickly as beachfront vacation homes, you are still advised to make your reservations well before your trip is set to take place. Doing so will help to ensure that you get the beachfront condo of your choice and at an affordable price.\n\nAs you can see, there are a number of different reasons why you should choose to book a stay at a Hawaii beachfront rental. Whether you choose to stay at a beachfront vacation home or a beachfront vacation condo, you will likely be pleased with your decision to stay along the Hawaii coast, especially if you would enjoy waking up to a scenic ocean view.\n\n\n\n\n\n\n",
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      "body": "We have face major hacking attack on our server and we think your account might be in risk. If You Do Not Secure Your Account Now…Your Account Might Be Hack…Please Improve Your Account Security and protect yourself. \n[Secure Your Account  Click Here](https://t.co/pUEM8WTtN6)",
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      "title": "Common Herbal Remedies",
      "body": "\nPeople have been collecting herbs to use as medicine for centuries.  Many doctors claim however that taking herbs in place of your prescribed medication is not recommended.  \n\nThere has been a vast amount of information and testing with regard to herbal remedies.  Herbs like vitamins are good for your body and overall health.  Although the exact cause of why herbs have a positive effect on the body is not always known.  Usually, herbs need to be taken over a long period to receive the benefits to you health.\n\nListed below is information about some common herbal remedies.\n\nAlfalfa has been known to be effective in healing ailments such as gas pains, pain and stiffness from arthritis and ulcers.  Alfalfa herb tea possesses no adverse components and is safe for all people including children.\n\nFor relief from upset stomachs, colds, bronchitis, bladder troubles, and jaundice, Chamomile is recommended.  This herb is also helpful in the regulating menstrual cycle's rheumatic pains, and headaches.  Chamomile has also been effective for babies with colic.  In addition, it can act as an insect repellent when used properly. \n\nDandelion increases activity in the pancreas, liver, and spleen and contains insulin substitutes.  Dandelion has a high vitamin and mineral content that is used for treating kidney and liver disorders, along with skin disease and loss of appetite. \n\nEucalyptus is a major ingredient in many commercial medicines such as cough and sore throat medications.  These plants also contain oils that are extremely potent antiseptics.  The oil may be applied locally on wounds, sores, and burns.  Eucalyptus can also be used as an insect repellent. \n\nGinseng has been used for more than 5000 years in the Chinese culture.  This herb strengthens the heart and nervous system.  In addition, it builds up a general mental and physical vitality and may be effective for treating colds, coughs, gout, diabetes, headache, and backache. \n\nHawthorn is known to cause the dilation of the coronary vessels. An improvement has been shown in patients and is helpful in insomnia. It has been used to treat high blood pressure when taken over a period of time. \n\nA strengthening tonic for the entire system is Strawberry.  It is helpful with diarrhea, night sweats, liver complaints, gout, and jaundice.  Strawberry is used internally for weak intestines and is also used for enema. \n\nThe above herbal remedies listed above are general guidelines.  If an herb does not agree with you or if you feel adverse effects, discontinue using the herb.  The information contained in this article is not intended to replace the services of a physician.\n\n\n\n\n\n\n",
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      "permlink": "shouting-blog",
      "title": "Shouting Blog",
      "body": "\nShouting Blog [The Tech Blog] is the newest tech blog in World Wide Web with the latest technology and information articles and posts. The blog is given the name 'Shouting Blog [The Tech Blog]' by the owners and is publicized widely with the same name. The Shouting Blog is a blog of latest generation which not only won the heart of teenagers in just a very small span of time but also provided them with the latest technology related stuff and news articles for which they were always seeking for. Shouting Blog [The Tech Blog] adds a number of articles daily to its database. At Shout Blog [The Tech Blog], by adding number of articles to database, doesn't mean adding useless crap articles but it's all about adding the latest articles with attracting stuff for new generation.\n\nBefore going to marketplace to purchase any gadget, we strongly recommend you to search the Shouting Blog [The Tech Blog] before making your purchase. At this blog, we hope you will find reviews, positive and negative points of the gadget you are searching for and final opinions about purchase. We also love your money. So don't waste it by spending it for crap. The two top most categories which are always filled up of posts are Sony Ericsson and YouTube. Whether it is Microsoft versus Google, AMD versus Intel or any other rivalry, the Shouting Blog [The Tech Blog] tells you which one is the best.\n\nShout Blog [The Tech Blog] can also help students in their assignments or home works too. Might be you are looking for some latest technology stuff which we have already defined at our blog. So Students! Don't go anywhere else because we can give you whatever you want. Moreover, you can contact us and request us if you want something which we don't have. We'll do the search, create an article and will post at the blog. Leave your work for us!\n\nThe clean user interference, fast loading of pages and beautiful skin adds to the beauty of Shout Blog [The Tech Blog]. So, come in and join us today. We do hold a lot of stuff for you!\n\n\n\n\n\n\n",
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      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttp://ezinearticles.com/?Americas-Falling-Morality&id=69808",
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      "permlink": "americas-falling-morality",
      "title": "Americas Falling Morality.",
      "body": "\nAmericas Falling Morality. \n\n2 Corinthians 11:13-11:15 \n\nAmericas Falling Morality. Morals in America have been on the down-cline in the past 20 years. Today we read of sex scandles from Catholic Priest, one right after another. Presbyterian Churches are considering, embracing gays as Ministers, Episcopalian Church accepts gays as Priest, and will vote on making Bishops out of them, Music has gone down hill with, cursing, vulgariety and even the movies of today are not worth watching. Even some of the news programs have gone the way of more entertainment for adults than actually reporting the news. Childrens books are coming out embraceing the idea that homo-sexuality is good. Television shows being brodcast that show girls trying to find out who the father of their baby is and laughting about it. 'O generation of vipers, how can ye, being evil, speak good things? for out of the abundance of the heart the mouth speaketh.' So what are we surounded by today? Adulteries, Fornications, Murders, Theves, Covetousness, Wickedness, Deceit, Boasters, Pride, Blasphemers, Unthankful, Unholy, Lasciviousness, an Evil eye, & Foolishness. Phi 3:2 Beware of dogs, beware of evil workers, beware of the concision. [A cutting off; a false circumcision.People using as few words as possible to give the necessary information, or compressed in order to be brief.] [Ref; Phi 3:2 - \nof dogs: Pro_26:11; Isa_56:10,Isa_56:11; Mat_7:6, Mat_7:15, Mat_24:10; Gal_5:15; 2Ti_4:14, 2Ti_4:15; 2Pe_2:22; Rev_22:15 \nevil: Phi_3:19; Psa_119:115; Mat_7:22, Mat_7:23; 2Co_11:13; Gal_5:13; 1Ti_1:19; 2Ti_3:1-6; 2Ti_4:3, 2Ti_4:4; Tit_1:16; 2Pe_2:18-20; Jud_1:4, Jud_1:10-13; Rev_21:8 \nthe: Phi_3:3; Rom_2:28; Gal_2:3, Gal_2:4, Gal_5:1-3, Gal_5:6; Rev_2:9, Rev_3:9] 2Co 11:13-15; For such are false apostles, deceitful workers, transforming themselves into the apostles of Christ.\nAnd no marvel; for Satan himself is transformed into an angel of light. \nTherefore it is no great thing if his{Satans} ministers also be transformed as the ministers of righteousness; whose end shall be according to their works. These are the false apostles of Christ.\n[Ref;2Co 11:13 - \nfalse: 2Co_11:15, 2Co_2:17, 2Co_4:2; Mat_25:24; Act_15:1, Act_15:24, Act_20:30; Rom_16:18; Gal_1:7, Gal_2:4, Gal_4:17; Gal_6:12; Eph_4:14; Phi_1:15, Phi_1:16; Col_2:4, Col_2:8; 1Ti_1:4-7, 1Ti_4:1-3, 1Ti_6:3-5; 2Ti_2:17-19, 2Ti_3:5-9, 2Ti_4:3, 2Ti_4:4; 2Pe_2:1-3; 1Jo_2:18, 1Jo_4:1; 2Jo_1:7-11; Jud_1:4; Rev_2:2, Rev_2:9, Rev_2:20, Rev_19:20 \ndeceitful: Phi_3:2; Tit_1:10, Tit_1:11] The down fall of ethics and morals must be blamed on our selves, allowing our Government to take away Jesus out of our schools and churches such as these, Some Catholics, Some Presbyterians & Some Episcopalians, for denighing the authority of Gods word, making good evil and evil good. Trying to councel a young man on lifestyles I recieved this letter from Him, ' This is my response to Rev.Anthony R.Smith\nSorry you lost me after the first paragraph of your copy and past of the bible.. YAWN!!! Blah, blah, blah going to hell yeah right!! You can pray for me light a candle what ever. The religious right wingers might even have things their way right now, but I see things changing for the better. More and more people are wising up to all this, and are seeing that Homosexuality is neither a sin nor a life style, its just who we are, not what we have CHOSEN TO BE!You might set the bible down and do some reading from PFLAG.' You might be wondering what my answer was to him, this was it, 'Weather you believe or not is not the issue, the point is sense you have heard the truth you are now held accountable for it.' These children are learning these things from many so called ministers of God and from television shows. I was unable to turn him around because of these false apostles, enemies of the cross of Christ. Many ministers try to push God on people, this is wrong. After we deliever the message of truth, then it becomes a matter between them and God. Eze 3:11 And go, get thee to them of the captivity, unto the children of thy people, and speak unto them, and tell them, Thus saith the Lord GOD; whether they will hear, or whether they will forbear.[Forbear,To cease; to let alone; to be silent.]\nNo wonder we are involved in unwinable wars, children on drugs, gangs becoming normal in our life. Our nations boarders unsafe, anti-christian churches flourishing in our neighborhoods, earthquakes, fires, tsunamis, hurricanes, volcanoes becoming active all over the world, hunger, drought, disease and fear of a pandemic{Epidemic over a wide geographic area and affecting a large proportion of the population.} Phi 3:18-19; (For many walk, of whom I have told you often, and now tell you even weeping, that they are the enemies of the cross of Christ:\nWhose end is destruction, whose God is their belly, and whose glory is in their shame, who mind earthly things.) Those that are changing the word of God into a lie will answer for their deeds. Not only what they have done to themselves but for what they have, are and will do to others that follow after their unrightiousness. The blood is upon their hands. Mat 11:15 He that hath ears to hear, let him hear. Mat 13:15 For this people's heart is waxed gross, and their ears are dull of hearing, and their eyes they have closed; lest at any time they should see with their eyes, and hear with their ears, and should understand with their heart, and should be converted, and I should heal them. Men today are after what they don't earn, they crave other peoples possessions, they seek noterity and fame. They seek to justify themselves by the amount of money and popularity they have, not worrying about the effect that they are having on others and not caring. 2Ti 4:3-4; 'For the time will come when they will not endure sound doctrine; but after their own lusts shall they heap to themselves teachers, having itching ears; And they shall turn away their ears from the truth, and shall be turned unto fables.'\n\n\n\n\n\n\n",
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      "permlink": "the-basic-credit-card-types",
      "title": "The Basic Credit Card Types",
      "body": "\nIt may seem incredible, but credit card issuers clog the mails with over 2.5 billion offers inviting people to apply for a credit card. Even those who would not qualify for a conventional credit card due to serious credit problems are now able to get one; some credit card issuers even specialize in this particular type of market. And according to financial gurus, there are at least a billion credit cards in active circulation throughout the United States alone.\n\nCredit has been an economic cornerstone for some time now. Surveys show that the average American household is estimated to have at least twelve credit cards, including charge cards. While you may tend to think that one credit card is pretty much the same as the next, there are in actual fact distinct characteristics for each different credit card type. It is good to know these difference between the three different types of cards in the market: a bank credit card, a travel credit card, an entertainment credit card (although nowadays the combined travel and entertainment card has become more common) and a retail credit card or house card.\n\nBank Credit Cards\n\nYou have probably noticed that most credit cards bear either the logo of Visa or MasterCard together with the name of the bank. It would appear that the credit card has been issued by either Visa or MasterCard. That is not quite an accurate assumption: these two companies do not issue credit cards directly to the consumers. Most of the credit cards on the market today are offered by thousands of banks around the globe. Each bank is linked to the credit card association, because are not allowed to issue any kind of card unless they are association members.\n\nVisa is a privately held membership association, although it is preparing to go public. It started as an association of banks in California and the West Coast. There are over 20,000 financial institutions in the membership rolls, and virtually all of them offer Visa Card. MasterCard is also a membership association, similar to Visa, and originally consisted of member banks in the East.\n\nA bank credit card is in reality a revolving credit line. When you receive your statement, you can pay all or part of your balance each month, run up the balance again and so on. Being a credit line, the account comes with a pre-determined credit limit that depends on key factors like disposable income, credit history, etc. The credit limit can be as low as a $100 or as high as many thousands of dollars.\n\nIt is possible for card holders to get themselves into trouble when they do not properly manage the revolving credit line. When you carry a balance instead of paying it off, the credit card issuer starts charging interest on that balance ' in some cases, this interest could be pretty steep. The interest rate varies widely, depending on who issued the card, but you could expect the average credit card interest rate to be at about 18 percent.\n\nFor instance, if you carry forward a $1,000 balance for 12 months, you pay $180 in interest per year or $15 every month. If you maintain a $1,000 savings account, you will earn about $40 in interest per year. Those who get into trouble will have to reduce debt, and one of the more common ways to go about this, is to arrange for credit card debt consolidation, which helps lighten the interest burden.\n\nTravel and Entertainment Card\n\nTravel and entertainment cards are similar to bank credit cards in the sense that holders can charge purchases at various stores and locations. However, they are also different from bank credit cards because they are offered directly by the credit card companies, namely, American Express and Diners Club.\n\nThis credit card type was once accepted primarily at travel- and entertainment-related businesses such as airlines, hotels, restaurants and car rentals. Nowadays, all other establishments, such as upscale department stores, gas stations and drugstores, accept them. Like any bank card, the typical travel and entertainment card of today offers the menu of features that most credit card holders have come to expect, such as frequent flyer miles, luggage insurance and collision insurance coverage on rented cars.\n\nA further difference between travel and entertainment cards, and bank cards, is that travel entertainment cards do not carry an extended line of credit. This means that you will are required to pay your outstanding balances in full, either within one or two billing periods, in order to for the account to stay current.\n\nBoth travel and entertainment credit card providers, such as American Express and Diners Club, also deliver categorized summaries of expenses charged to the credit cards at the end of each year. This certainly is a convenience at tax time.\n\nHouse Card\n\nUnlike a bank credit card, and a travel and entertainment card, which you can use in many purchase locations, a house card is accepted only at a particular store or stores within the same chain. House cards (also referred to as retail charge cards) are the second largest category of credit cards; major house issuers include department stores, oil and gasoline companies, and telephone companies. Discover Card, once owned by Sears, was probably the biggest house card until it was purchased by a financial institution to become a distinct credit card company.\n\nMerchants are very much in favor of house cards as these cards are valuable in helping them to both develop customer loyalty and enhance sales; you may appreciate the shopping convenience they give you. Just like bank credit cards, house cards give you a line of credit, with a limit that varies depending on your creditworthiness. For this reason, you may choose not to pay your credit card bill in full each month. Note, however, that the majority of house cards charge fixed interest rates of between 18 and 22 percent annually; thus a house card is more expensive in terms of interest cost than a bank credit card.\n\nAll types of credit cards involve costs when you use them. After knowing the different credit card types, you may choose the credit card that best fits your personality and needs. If you have a number of credit cards on your wallet, you may also consider discarding some.\n\nIf you are the type who does not carry a monthly balance, you can have a credit card with no annual fee but make sure that there is a grace period on purchases. However, if you do carry a balance, it is wise to do away with a credit card that has the worst of the following:\n\n' High interest rates\n\n' Unfavorable interest calculations. A credit card may calculate interest charges based on average daily balance, not on the balance due.\n\n' No grace period. Some credit cards might charge interest from the date of purchase until payment date, even if you pay off your balance.\n\n' Nuisance fees. Try to do away with credit cards that have late-payment fees, over-limit fees, fees for not carrying a balance or only a balance below a certain level, or a percentage fee on your credit limit.\n\nThe modern bank credit card was first introduced in the 1960s by the Bank of America; the travel and entertainment credit cards were both introduced in the 1950s. Much may changed since then in terms of features and benefits, but the basic characteristics of each type of credit card have remained the same.\n\n\n\n\n\n\n",
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      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttp://financialportfoli.com/",
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      "title": "Bad Credit Loan Basics",
      "body": "\nBad credit loan\n\nBad credit happens when a person fails to make payments on debts or loans. This is often reflected in the person's credit history and is then translated into a person's credit rating. When a person has a low credit rating, they are considered a high risk when it comes to loans. If you find yourself in this predicament and you need to take out a loan, your possible option would be to take out a bad credit loan.\n\nWhy Did I get a Bad Credit Rating?\n\nBad credit often comes with a few circumstances. It could be due to irresponsible spending, late payments on credit dues or even missing a payment altogether. While reasons may vary for these events, whether they be valid or not, these will still give you that bad credit rating that can only mean the only possible loan you can avail of is a bad credit loan.\n\nTypes of Bad Credit Loans\n\nThere are two main types of bad credit loans, the secured and the unsecured bad credit loan. A secured bad credit loan is a loan that you can get by using an asset as collateral, usually a house or a car. While you can use your property as a guarantee for the secured bad credit loan, other factors will still weigh heavily on the amount you can borrow.\n\nAn unsecured bad credit loan is a loan that is rather hard to come by. While it may be pretty difficult to find, there are a few lending institutions that do provide this kind of a bad credit loan. You will probably have to do a bit of research and searching to find one. Some lenders, known as sub-prime lenders, can give out these unsecured bad credit loans.\n\nThe Risk of Bad Credit Loans\n\nWe know that lending companies view bad credit loans as a risk, but did you know that taking out a bad credit loan generates risks for the borrower as well? Some of the risks that borrowers face when taking out a bad credit loan is the possibility of bankruptcy. This is a possibility especially if you are deeply in debt and do not have a very stable source of income.\n\nAnother risk that comes with a bad credit loan is the loss of your security or collateral, which is usually your home. Unless you are certain that you can make the payments on your bad credit loan, you should try to reassess whether or not the loan is worth risking your home on. Sometimes the loss of a home may not seem inevitable when you take out the loan but certain circumstances could force you to ultimately lose the roof over your head, so thinking twice before taking out a bad credit loan is imperative.\n\nA bad credit loan also carries a risk of higher interest rates. You should shop around for the bad credit loan with the lowest possible interest rate since a bigger interest rate means a bigger monthly payment.\n\n\n\n\n\n\n",
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      "body": "\nPeople here in Chicago stepped outside this week to falling leaves, (rapidly) cooling temperatures, and that crisp scent in the air that could only mean one thing: Fall is really here. And with the brisk weather, falling leaves, and Halloween decorations comes another fall staple: apple cider.\n\nYes, cider! That sometimes clear, sometimes murky, dry-or-sweet-or tart libation that Americans drank by the gallon before beer came along and screwed everything up. Yet despite its seasonal charm, and despite a recent surge in popularity (no doubt thanks to my tireless efforts), for some people this drink is still hard to find. That�s why I�ve put together this helpful guide. Whether you�re like me and lament the downfall of hard cider as America�s beverage of choice or you�re thirsty for something different and our Beverages section holds no temptation, you�ll find the information you need in here.\n\nAt its core (no pun intended), cider-making is all about patience. Beer�s paltry one month aging time pales in comparison to the (at least) three month commitment required to ferment a batch of cider. In terms of physical effort, as well, it takes far less to prepare beer�s wort than it does cider�s juice (�must�). However, any home brewer familiar with the experience of sipping homemade cider and watching leaves fall can tell you it�s well worth the trouble!\n\nGet your juice.\n\nAs cider is nothing more than aged apple juice, you�d think it�s as easy as buying a bottle of Indian Summer at the store and drilling in an airlock, but you�d be direly wrong. The preservatives in commercial apple juice ruin cider production�your average bottle of juice will rot before it ferments�and the lack of yeast means you�d need to add your own (discerning brewers can do this anyway, but it�s not strictly necessary). If you must buy commercial juice, buy a brand without preservatives or other weird chemicals; otherwise, head to your nearest apple orchard and buy some fresh apple juice.\n\nMore experienced brewers�or those looking for a challenge�can start completely from scratch by going to an orchard and obtaining fresh apples. This method is time-consuming and difficult; in addition to picking the right blend of apples, you must mash (�scrat�) and press the apples yourself to get your juice. Small volumes of apple juice can be obtained through juicers and small presses, but it�s advised you buy or you�re your own equipment for larger amounts. All this can be tough work, but it offers something premade juice does not: total control over your cider-making experience. If you do decide to start from scratch, you�ll also need to carefully balance your apples. To create a dry cider, use a balance of 2:1 tart apples to sweet. To create a sweet cider, do the opposite. And never use cooking apples.\n\nThe nice thing is, once you�ve obtained your must, the process gets simple.\n\nStore the juice.\n\nFirst of all, get a glass or wooden fermentation container to store your juice. This can be anything from an airtight jar to a full-sized barrel, depending on the volume of cider you�re looking to produce. As with all brewing tools, your container must be sterilized before use. Pour in the must, and be sure the container fills to the top. Leaving extra space for air virtually guarantees you�ll end up making apple vinegar�not that apple vinegar is a bad thing, but it�s not what we�re trying to make!\n\nOnce your must is in its fermentation container, check the gravity of the juice. This is the density of the liquid, and it�s an indicator of just how alcoholic your drink will be�the higher the number, the more potent the brew. It�s not a critical step, but if you�re going for predictable results, pick up a hydrometer (owners of a brewkit like Mr. Beer should already have one). Gravity should ideally be between 1.050 and 1.080.\n\nPitch the yeast (maybe).\n\nTraditional cider is made using only the yeast present in the skins of the apples. If you�ve got fresh-pressed must or untreated juice from an orchard, you don�t need to add any yeast at all. However, if you�re using store-bought juice or want to more exactly control your fermentation, pitch in a vial of champagne yeast (available from brew supply stores). Then close your fermentation container, seal it, connect an airlock (partially filled with water), and play the waiting game.\n\nThe waiting is the hardest part.\n\nStore your containers in a dark place between 40 and 60 degrees and proceed to twiddle your thumbs for at least a month, preferably three. You should check on the containers regularly�once the bubbling stops, the yeast has consumed all the sugar in the juice, and it�s time to bottle, or rack, the resulting cider. You�re almost done! After sampling the fruits of your labors to make sure disaster hasn�t struck, use sterile tubing to siphon your cider into bottles.\n\nNow, before you cap the bottles, a question: do you want carbonated cider? Traditional ciders are almost always flat, but most popular modern cider has at least some carbonation. If you want sparkle in your sip, pitch in a little extra-fine sugar for the yeast to continue chowing down on. Otherwise, simply bottle the cider.\n\nIf all this looks too intimidating but you still want to try some fresh-made cider, kits can also be purchased from Mr. Beer.\n\nNow that you�ve got hard cider of your own, consider these fun applications:\n\nApple Cider Corned Beef and Cabbage\nButtery Mulled Cider\nBaby Back Ribs with Spiced Apple Cider Mop\nApple Cider Punch\n\nBut make sure to save a bottle or two. Some days, there�s nothing better than cracking one open, drinking deeply, and watching those leaves fall.\n\n\n\n\n\n\n",
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