Buying Real Property in Panama

By Steven Rich The Difference between Titled and Rights of Possession Properties There is a lot of confusion when foreigners look to buy real estate in Panama. Thats because some sellers have actual title and others only sell their rights to possess a property. Moreover, deeds of title are different in Panama from the United States or Canada. Lets clear up this confusion. Panama recognizes three different types of real properties: Titled, Rights of Possession, and Concessions. 1. TITLED PROPERTY Titled property is similar to fee-simple title in the United States and is the most secure form of real property ownership in Panama. The Constitution of the Republic of Panama guarantees the right to own private property. Titled properties measured and properly recorded in Panamas Public Registry office verify ones real property title. These verifiable, guaranteed rights allow banks to issue mortgage loans for titled properties by registering liens against ones title as collateral. Purchasing titled property is simple by following these procedures: a) Negotiation: If you are dealing through a real estate agent, make sure all of the terms and conditions are clear and in writing. Make sure that the written contract clearly sets forth the payment amounts and dates. If you are dealing directly with the seller, all terms should be clearly understood before hiring an attorney to prepare the written contract. b) Promise to Purchase Contract: Instead of a Purchase & Sale Agreement (common in the United States), the buyer and seller initially sign a Promise to Purchase (the property) Contract. A small down payment when signing a written Promise to Purchase Contract secures the property while the buyer conducts a title search to verify the sellers ownership. In the meantime, the purchaser arranges for financing (if not paying fully in cash) and setting up a corporation (if applicable) to hold title. Register this contract at the Public Registry to prevent the seller from selling the property to another party prior to the Closing. c) Title Search: Once you sign the Promise to Purchase Contract, you should hire a competent attorney to conduct an investigation of the sellers title at the Public Registry. The lawyer will also verify that the property is free and clear of any encumbrances, liens, and other issues affecting transfer of title. Title Search also includes reviewing the catastral survey map. In many cases, a professional surveyor will verify the map points on the property to avoid future boundary conflicts. Finally, have your lawyer verify the main utility debts (water & sewer) with the government agency providing them (IDAAN). d) Buy-Sell Contract: Upon conclusion of the Title Search, the parties sign a formal Buy-Sell Contract (also known as Public Deed of Title Transfer). The escrow agent pays the sellers final balance and transfers title into the buyers name. I highly recommend using an established Escrow company to protect both parties. e) Title Transfer: This process is known as the Closing in the United States. Property ownership officially transfers to the buyer when both parties sign the Buy-Sell Contract (Public Deed of Title Transfer) and registers it with the Public Registry. If title is in a corporations name and the buyer chooses to, the seller merely transfers the corporations sharesto the buyer without transferring title. In order to facilitate the Closing by assuring the seller will be paid and the buyer will receive full Title; the attorney prepares a Promise To Pay Letter from a local bank. This letter guarantees full payment to the seller when the Title Transfer registers at the Public Registry. Problem Solved: The Promise To Pay Letter solves a typical Closing problem. Sellers usually require full payment when they sign the Public Deed of Transfer prior to the actual registration of Title Transfer at the Public Registry. There have been instances when the seller received full payment, but the Deed was not registered (or the government rejected the deed). The buyer did not become the new owner because there was no record of the title transfer in the Public Registry. The Promise To Pay Letter guarantees payment to the seller by a local bank while assuring the buyer that payment is not made until actual transfer of title. 2. RIGHTS OF POSSESSION This is similar to squatters rights. This is where government owned property is occupied by a Panamanian (or entity) over time. Possession rights granted to the squatter through a simple certification document issued by either municipal mayors, sheriffs, or other government agencies such as the Agricultural Reform Department (Reforma Agraria). There are no property taxes because the possessor does not own the property. However, any structures built on the property may incur municipal and/or national taxes if they are registered. Possession rights become titled by purchasing the property from the government. However, certain coastal areas, national parks, or islands are protected properties where the possessor can apply for an administrative Concession over the land guaranteeing use of it. To acquire possession rights over a property, it is important to follow these steps: 1. Promise to Purchase Contract: Pay a small down payment at the signing of the Promise to Purchase Rights of Possession Contract securing the property and providing enough time for the due diligence. During this time, the buyer coordinates payment arrangements for the closing. Contracts for the purchase of Rights of Possession cannot be registered at the Public Registry; therefore, a public notary should authenticate them. 2. Due Diligence: Unlike titled property that is easily verifiable through the Public Registry, the due diligence procedures on Possession Rights property is more complex. Panama has no central database of Possession Rights properties. Therefore, buyers of Possession Rights should take extra precaution during the due diligence process. Generally, the extent of the due diligence investigation that one can realize on Possession Rights property is the following: a. Verification of Certification of Rights of Possession: The Certification of Possession Rights validly issued from a competent government authority containing the possessors name and correct description of the property in terms of location, size (area), limits, boundaries, and neighbors on all sides. b. Verification of Survey: A survey stamped and signed by a professional, licensed, surveyor engineer. This identifies the possessors name, location and reflects the same information in accordance with the Certification of Possession Rights. c. Inspection: The main elements to verify are: physical occupation, no opposition by third persons, and good faith. Your surveyor identifies and marks the points of the property confirming these points with the neighbors to ensure that there are no future
boundary conflicts. This requires a physical inspection. In addition, the property should be marked and fenced, delineating
the boundaries. d. Permit Verification: In some cases, if the buyers intentions are to build a certain type of structure or project on the Possession Rights property (for example, a marina, port, hotel, airstrip, etc.), it is necessary to verify if there are any national or municipal regulations prohibiting those activities in the area. 3. Buy-Sell Contract: After verification, the seller expects the final balance at the signing of the Buy-Sell Contract. If you use an escrow agent, payment of the final balance is made once the Possession Rights Certification transfers to the buyers name. Contracts for the purchase of Rights of Possession cannot be registered at the Public Registry; therefore, a public notary should authenticate them. 4. Possession Rights Certification Transfer: The possession rights over the property officially transfers to the buyer in the Possession Rights Certification. This occurs immediately after each party signs the Buy-Sell Contract. If the possession rights are in a corporations name, the buyer agrees to purchase the corporations shares. Then there is no transfer of Possession Rights Certification, only a transfer of the corporation shares to the buyer. 3. CONCESSION PROPERTY Concession property is similar to a land lease arrangement, common in Mexico or Hawaii. This is where the government grants a Concession to an individual or an entity for a specific purpose, such as a real estate development, hotel, or marina. Most Concessions in Panama are granted for a maximum of 20-year (renewable) periods. However, some Concessions are granted for up to 40 years (renewable) in specially designated areas such as the Amador Causeway where there are commercial and condominium developments currently being sold. Concession Property exists in special coastal or other governmentally protected areas where actual title is prohibited by law. In many cases, real estate developments on Concession properties offer investors time-share or fractional ownership arrangements, which are very common in Mexico and other resort-type coastal areas around the world. Unlike Possession Rights property, the government through a specific contractual agreement guarantees Concession property. Therefore, there is very little risk to the investor. Title insurance companies generally offer title policies for Concession properties. ACQUIRING TITLE OVER POSSESSION PROPERTIES Titling Process is the official administrative procedure to purchase Rights of Possession property from the Panamanian government. You are buying the property from the government and registering the Buy-Sell Contract with the Public Registry. Island properties cannot become Titled according to the Constitution of the Republic of Panama (only mainland can become titled). However, there are some titled Island properties registered before the Constitutional restrictions existed which can be sold. All beachfront titled properties require a 22 meter set back due to high tide. TITLE INSURANCE Even though Panamanian laws are setup to protect foreign investors, you should always take precautionary measures to insure your investment. I recommend Title Insurance for every property transaction. This is readily available in Panama through major international title insurers, such as LandAmerica Lawyers Title and Stewart Title. Title policy costs are minimal and the peace of mind is definitely worth the cost. In Conclusion: Now that you have learned the different types of real property rights in Panama, you can take steps to protect your investments. Look for titled properties first. Make sure that you use a competent real estate lawyer to prepare your Promise to Purchase Contract, to conduct a thorough Title Search, and to prepare your Buy-Sell Contract. Hire a good Escrow company to ensure that all documents registered with the Public Registry before making final payment. If you purchase Rights of Possession, hire a competent real estate lawyer to prepare your Promise to Purchase Rights of Possession Contract, conduct Due Diligence, and to prepare your Buy-Sell Contract. Hire a professional surveyor to verify all-important facts. Protect your original documents from loss because they will not be registered. Obtain Concession rights for using government property whenever you can. Again, hire a knowledgeable real estate lawyer to prepare your contracts. Finally, purchase Title Insurance to protect your investments. With these precautions, you should be able to enjoy full rights of ownership or possession of your new real property purchases. Steven Rich, MBA is the Marketing Manager for Panama Offshore Legal Services whose website is at: http://www.panama-offshore-services.com Steven Rich, MBA is the Marketing Manager for Panama Offshore Legal Services at: http://www.panama-offshore-services.com Article Source: http://EzineArticles.com/?expert=Steven_Rich http://EzineArticles.com/?Buying-Real-Property-in-Panama&id=393336 is ambien safe during pregnancy
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Permanent Hair Removal: How Permanent is it?

By Chonticha Marijne Some people grow tired of shaving, waxing and plucking, and consider permanent hair removal as a logical course of action. Knowing what's available and how much it costs is a determining factor, as are method and convenience. Does permanent hair removal really work? Will hairs eventually grow back? Inform yourself before making that appointment to ensure complete satisfaction. Permanent hair removal can be accomplished with several different methods, but the most common is electrolysis. This method utilizes a light ray that can travel beneath skin layers, without damaging them, to pinpoint a hair follicle. Permanent hair removal is a misnomer, however. Heat generated in this light ray then damages or destroys the hair follicle, resulting in little or no hair growth for anywhere from three to six months. Eventually, the hair will grow back. Still, this is a viable option for many to facilitate active lifestyles and temperaments. To achieve this state however, several sessions are required, and each treatment is very expensive, averaging around $400 a visit. Most people in the permanent hair removal industry define 'permanent' as being able to go months without having to shave again. Permanent hair removal using laser methods does achieve long-term hair removal but not permanent hair removal. Be advised that permanent hair removal terms and even semi-permanent hair removal terms can apply to periods of time of a few weeks to a few months. Clinical studies published in medical publications and to the FDA show that very few people achieve lasting, i.e. permanent results with permanent hair removal techniques. Other common methods of addressing permanent hair removal are laser, flash lamp, medications and topical ointments. Laser and flash lamp methods of permanent hair removal tend to work better on darker hair than lighter shades. Methods that work to lesser degrees are the use of oral prescription mediations, which obviously require constant use, and prescription strength topical ointments and preparations. These also require ongoing use to achieve results in permanent hair removal. Other methods of permanent hair removal with less satisfactory results are the use of electric tweezers, dietary supplements and non-prescription medications. Permanent hair removal is less likely with the use of tweezing, while half of people who tried a topical ointment achieved some degree of permanent hair removal, or at least to the degree that shaving was not required for at least a few weeks. Some studies have shown that many people are unable to achieve permanent hair removal for various reasons, whether genetic or otherwise. Knowing what a product claims to do and what it actually achieves are two different things, and it's up to the consumer interested in permanent hair removal methods to search for the one that suits their goals best. Many of these permanent hair removal methods are cost prohibitive for many consumers and they must resort to less effective measures. The bottom line is that there is no such thing as permanent hair removal. The most to be hoped for is reduction of time spent shaving, tweezing and plucking. Are you considering permanent hair removal? Find out more about permanent hair removal and if it's right for you at http://HairRemovalRevealed.com. Article Source: http://EzineArticles.com/?expert=Chonticha_Marijne http://EzineArticles.com/?Permanent-Hair-Removal:-How-Permanent-is-it?&id=444663 ambien cr 7
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Aromatherapy For Beginners

By Sharon Hopkins The ancient science of healing, relaxing and energizing oneself with the use of plants and its parts like roots, barks, flowers, fruits, seeds and nuts is called Aromatherapy. Aromatherapy is the amalgamation of two words "aroma" and "therapy" that mean "fragrance" and "healing" respectively. Essential oils, extracted from plants and its parts form the crux of aromatherapy. These oils stimulate the brain, effect our body, hereby improving our mood, relaxing and rejuvenating us. Extracted in various ways, they are highly concentrated and should not be used directly onto the body. They should be blended with carrier oils such as olive oil, sweet almond oil, etc, for best results. If you are new, then explore this world of fragrance at home with a handful of inexpensive oils. To avoid allergic reactions to essential oils, perform a skin test before you indulge yourself. Take a drop of the oil on a cotton swab. Apply it to the inside of your wrist or inner elbow. Cover the area with a bandage and avoid washing for 24 hours. If there is no itching or redness, oil is safe for external use. Basic oils that any beginner can start with: - Lavender - Most basic and very important oil in aromatherapy. Helps in relaxation, calming and balancing of mind. Acts as antibiotic, antiseptic, antidepressant, detoxifier and sedative. Soothes cuts, burns, bruises and insect cuts. Relieves stress if blended with your usual bath oil. - Rosemary - Acts as stimulant for mental health and physical body on low energy days. Relieves muscular strains, sprains and headaches. Alleviates fatigue, congestion and prevents scar tissue formation. - Bergamot - Oil for refreshing and upliftment. Acts as antiseptic, antidepressant, antispasmodic, analgesic, sedative, expectorant and deodorizer. Could be a slight irritant to skin. - Peppermint - A great mental stimulant and digestive aid. Eases headache and fatigue. Behaves as anti-inflammatory, antiseptic, antispasmodic and expectorant. - Tea Tree - A versatile antiseptic that is very gentle on the skin. Remedy for infections, ringworm, sunburn, acne, athlete's foot, gum disease. It is antibacterial, antiviral, antifungal, antiseptic oil. - Lemon - Great for dispelling a somber mood, lemon oil can be used to treat insect bites, alleviate tension, headaches and stimulate immune system. - Tangerine - Works well to create a bright, uplifting atmosphere. It's soothes and calms insomnia and promotes digestion. - Floral oils - Great stress relievers. Add floral oils like rose, jasmine along with carrier oils to your bath oils for a soothing massage. - Germanium - Eases stress, acts as antidepressant, adrenal, hormone balancer, detoxifier, sedative and antiseptic. Helps during PMS. - Clary Sage - Relieves PMS. Soothes and relaxes mind and body. Works as antidepressant, antiseptic, astringent, aphrodisiac and sedative. - Clove - Relieves toothache pain, asthma, sinusitis. Avoid using it directly on the skin. Acts as antibacterial, antiseptic, analgesic and disinfectant. - Eucalyptus - Cools the body in summer and warms in winter. An effective treatment for candida, diabetes, sunburn, congestion, cough and neuralgia. Also works as antiviral, antiseptic, stimulant, anti-inflammatory and antibiotic. About The Author
Sharon Hopkins is the Webmaster for http://www.aromatherapies.net, which is an Online guide to Aromatherapy, alternative medicine, essential oils, recipes, synergies, blends, oil profiles and products. Article Source: http://EzineArticles.com/?expert=Sharon_Hopkins http://EzineArticles.com/?Aromatherapy-For-Beginners&id=233086 ambien and brain studies
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Relora May Help To Reduce Stress and Stress-Induced Over Eating

By [http://ezinearticles.com/?expert=Peter_Dougan] Peter Dougan Relora is a novel blend of plant extracts from patented Magnolia officinalis and patent-pending Phellodendron amurense, and has been shown in a number of clinical, placebo-controlled studies to help to reduce the symptoms associated with diet-related stress. From nervous tension and irritability, to concentration difficulties and occasional sleeplessness, scores of users have reported success with their diet and stress levels. Preliminary research suggests that Relora may help regulate cortisol levels in the body that are associated with stress-related weight gain. Weight gain can be associated with emotional over-eating for people with stressful lifestyles. Findings also suggest that Relora may decrease the cravings for high fat, high sugar foods in stressed individuals, most likely due to its ability to help normalize stress hormone levels that cause these cravings. Relora is a popular stress-reducing product which is designed to reduce stress and therefore to alleviate stress hormones and stress-related eating. Relora is easily obtained just about any where natural supplements can be found. Cortisol and DHEA are the two hormones that are primarily released by the body when stressed. When the body is subjected to prolonged stress, it makes a greater amount of Cortisol and less DHEA. This hormonal imbalance can have the following devastating effects on your body: Can cause you to crave carbohydrates excessively. Make you feel fatigued or even exhausted. Increased cholesterol levels. Make you feel emotionally flat or even depressed. May even weaken your body's immune system. Lead to weight gain by enabling more efficient fat storage. Carbohydrates and sugar are more likely to be stored as fat. Prevents proper rest. Regular use of the supplement, Relora may reduce the levels of cortisol and increase the levels of DHEA in stressed adults. It has also may be effective in reducing stress and stress-related cravings for high fat, high sugar foods. The benefits of Relora may even go beyond its primary action as a natural agent for managing stress and improving the quality of sleep. Individuals who are stress eaters and who also have elevated cortisol levels, might have greater success in managing their weight by using Relora in addition to watching their calories and maintaining a regular exercise program. Relora has been shown to help promote normal healthy levels of Cortisol and DHEA in the body. For more information on Relora and the effects of stress and hormonal imbalance on the body, please visit: [http://www.Relora-Review.com] http://www.Relora-Review.com Article Source: [http://ezinearticles.com/?expert=Peter_Dougan ] http://EzineArticles.com/?expert=Peter_Dougan [http://ezinearticles.com/?Relora-May-Help-To-Reduce-Stress-and-Stress-Induced-Over-Eating&id=547632 ] http://EzineArticles.com/?Relora-May-Help-To-Reduce-Stress-and-Stress-Induced-Over-Eating&id=547632 non prescription ambien
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Lose Weight Easily by Increasing Metabolism

By John Goh Metabolism is the amount of energy our body burns to maintain itself. The amount of energy burned is measured by the number of calories expended. The speed at which our body burns calories is called the metabolic rate. Increasing your metabolism is the best way for effective weight loss in which you lose actual fats and not just lose weight by losing water in the body. A high metabolic rate is the reason why some people can eat lots of fattening foods and remain slim and lean. Metabolism is made up of several components. The main component is basal metabolism in which 60 to 65 percent of calories you eat daily are spent keeping you alive and providing basic energy for life support. Some people gain weight easily though they eat very little food because their basal metabolic rate is low. You can increase basal metabolism by building muscle. Muscle cells are up to eight times more metabolically active than fat cells, and muscle burns more calories than fat. Doing weight-bearing or resistance exercise such as weightlifting or exercise bands will increase your muscle mass and metabolism. Starving yourself to lose weight slows down your metabolism in a hurry. Eat at least three healthy meals every day. Skipping meals robs the body of needed calories as well as leaving the individual more prone to snacking on unhealthy foods. Avoid 5 to 6 hour gaps between meals without eating. Drink 8 to 10 glasses of water daily. Dehydration can contribute to an inefficient metabolism. When you are dehydrated, your body temperature drops slightly, and causes your body to store fat as a way to help raise or maintain the temperature. Our bodies were designed with a survival mechanism just in case there is a time of famine. Whenever we lower our calorie intake, the body lowers its metabolism in order to conserve energy. This lower metabolic rate makes it difficult to sustain weight loss after losing some pounds. The medium chain fatty acids (MCFA) in coconut oil shift the bodys metabolism into a higher gear and thus burn more calories. The MCFA are easily absorbed by the body as they are converted directly into energy in the liver. This energy is used for metabolism and increases metabolic activity, helping in the burning of long chain fatty acids as well. Simply changing your cooking oil to coconut oil and avoiding hydrogenated vegetable oils can help you lose your excess fats. The best part is that you need not reduce your calorie intake and specially watch your diet. Eating coconut oil sustains an elevated metabolism for at least 24 hours. Protect your immune system and nourish your health with virgin coconut oil, Go to: http://www.BuyVirginCoconutOil.com Feel free to use this article on your website or ezine as long as the following information about author/website is included. http://www.buyvirgincoconutoil.com Article Source: http://EzineArticles.com/?expert=John_Goh http://EzineArticles.com/?Lose-Weight-Easily-by-Increasing-Metabolism&id=401573 ambien cr
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The Word: What has it Changed in You Lately?

By Glenda Thomas In Matthew 13 Jesus relates a paprable to His disciples. This parable is commonly known as the Parable of the Sower. The focus was on the soils, so the focus of this article will be. The purpose of reading and studying the word of God must result in the transformation of the reader. If the reader, student or disciple simply reads and gets a clear understanding and does not apply the word to their life, what good is it? What kind of soil is your heart? What has the word of God changed in you lately? Jesus explained the different kind of soils and what the results of each soil type is. Now let's look at our heart and compare the results to see what kind of soil represents your heart. I will do an inventory of mine and you do and inventory of yours! The first soil is The Way side Soil: Matthew 13 :19 "When any one heareth the word of the kingdom, and understands it not, then comes the wicked one, and snatches away that which was sown in his heart. This is he which received seed by the way side". The second was Stony Ground: Verse 20 But he that received the seed into stony places, the same is he that heareth the word, and anon with joy receiveth it; 21 Yet hath he not root in himself, but dureth for a while: for when tribulation or persecution ariseth because of the word, by and by he is offended." The third is Thorny Ground: Verse 22 "He also that received seed among the thorns is he that hears the word; and the care of this world, and the deceitfulness of riches, choke the word, and he becomes unfruitful. " And finally the Good Ground: Verse 23 "But he that received seed into the good ground is he that hears the word, and understands it; which also bears fruit, and brings forth, some an hundredfold, some sixty, some thirty." Here is a list of some possible things we need to change: From: * Jealousy to Joy for successes of others.
* Approval seeking of people to total dependence upon God.
* Lust to love
* Resentment to accepting responsibility for our lives and souls.
* Gossip to spreading the Gospel
* Fearfulness to Confidence and Trust in God
* Lying to speaking the Truth in love Just to name a few. When Jesus spoke the parable He gave a clear view of what He expects from us. If you are having difficulty in allowing the word to change you, - ask the Lord to remove whatever it is from you. Ask specifically for the Lord to remove all resentment. Of course, you cannot ask for the removal of resentment that you do not admit that you have. God already knows you have it. So just lay it out before Him. He will create in you a clean heart. Try the Lord. In conclusion I appeal to that deep part of you that knows you need to change, to let God make the changes that you release to Him. He will, and He is waiting for us to call on Him. We are His daughters through adoption obtained through the blood of Jesus Christ. Let the word of God make a change in you! When others see your good works they will glorify God. And when people ask how did this change happen in you, you will be able to share the transforming relationship you have with God, and invite them to do the same. God Bless,
Glenda Thomas, A vessel for good Glenda is married to a minister and Director of Diversity Relations of Rochester College (J C Thomas, Jr.). They have been married for 30+ years. Glenda edits the Sister 2 Sister Newsletter. She is the mother of 3 adult children and grandmother to 1 grandson.
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The Truth

By Mark E. Baker John 1:14 And the Word became flesh and dwelt among us, and we beheld His glory, the glory as of the only begotten of the Father, full of grace and truth. W.E. Vines Bible Dictionary says this "truth," is used (a) objectively, signifying "the reality lying at the basis of an appearance; the manifested, veritable essence of a matter" - "the truth of God" is indicative of His faithfulness in the fulfillment of His promises as exhibited in Christ; the word has an absolute force in John 14:6; 17:17; 18:37, 38; in Eph. 4:21, "truth," not merely verbal, but sincerity and integrity of character. Have you ever stopped to consider that without absolute truth we could have not have absolute confidence? You might be saying what do you mean. I mean that if we could not have absolute assurance in something, then we could have not have confident expectation of that which we are wanting to see come to pass. That is what assurance is, isn't it, confidence that what we believe is the truth, and the truth is absolute and unchangeable. It is something that you can put your full and complete trust in. Knowing something to be truth gives you the ability to put your complete trust and reliance in it. Have you ever known somebody that was not truthful, who would say what ever was convenient? They say they will do something at a certain time, but very rarely would show up to do what they said they would do. Im not talking about circumstances prevented them from doing what they said they would do, Im talking about this is a habit with them. You know you can have no confidence that they will do what they said they would do. As a matter of fact, you might have more confidence that they will not do what they said they will do. We live in a world that is very much like this. You see and hear this kind of thing all the time, and many have lost their ability to believe or have confidence in any thing because they have been lied to so many times. I want to tell you, God is not like that. What He said is true 100 percent of the time, not just occasionally or when it is convenient but always. John 14:6 Jesus said to him, "I am the way, the truth, and the life. No one comes to the Father except through Me. The Holy Spirit is the Spirit of truth, which comes from God the Father. John 15:26 "But when the Helper comes, whom I shall send to you from the Father, the Spirit of truth who proceeds from the Father, He will testify of Me. We can have complete trust and complete confidence in Him. I heard a story about this Christian who lied to another Christian because they felt like they could not handle the truth. God is never like that. He will never lie. Lying never helps us or protects us. Just the opposite is true. It is the truth, and knowing the truth is what will make us free. You will never catch the Lord telling you a little white lie trying to spare your feeling. He will only speak the truth. Arent you glad? We can have absolute confidence that what He said will come to pass. This is the basis of our faith, this is how we know, and have full assurance. This is the beginning of being free. You first have to know the truth, and in knowing the truth, you shall be made free. Glory. If we have no confidence in what truth really is, how are we ever going to know and have assurance and have a basis for our faith. The answer to that is, we cannot. God is faithful to always honor His Word, and He wants us to be able to have complete trust in Him. The writer of Hebrews said He who comes to God must believe that He is, and He is a rewarder of those who diligently seek Him. (Heb:11:6.) John 8:32 "And you shall know the truth, and the truth shall make you free.'' God is truth. Nothing that is outside of the truth can make us free, ever!! Truth is truth, and there is no in between. There is no such thing as a little white lie. It is either the truth or not. Coming to an understanding of this will greatly help us to receive guidance and correction. Truth is what puts us on the right path and leads us away from destruction, if we will not receive it, how can God help us? We live in a society that doesnt want to receive any kind of correction at all. We are often more afraid of hurting someones feelings, than we are in seeing them set free.
We dont have to be blunt and deliberately go out of our way to say things unflattering or derogatory, Im certainly not talking about that, but we dont have to lie either. Because of this attitude, many people can never come an understanding of the truth. It is contradictory to what they have chosen to believe. They wont accept that Gods Word is true, they choose to believe the circumstances instead. Many will believe their circumstances as the truth when it is contradictory to Gods Word and will say, see there, Gods Word doesnt work. The truth is it didnt work for them because they chose to believe a lie instead of the truth. I realize this sounds hard, but if we truly want to grow up then we have to understand this is the way God is. He is truth and can not lie. Numbers 23:19 "God is not a man, that He should lie, nor a son of man, that He should repent. Has He said, and will He not do it? Or has He spoken, and will He not make it good? Jesus is the manifested Word of God, full of grace and truth. We can always trust Him.
We ourselves have to walk this way if we want to be able to have confidence and assurance in, and believe that what God says is true, and will come to pass. You might say well what does that have to do with it, I thought we only had to have confidence in God and His Word. We do, but let me ask you this. If you are prone to speaking little white lies, then you know your words are not going to come to pass, how then are you ever going to have confidence that Gods words will come to pass? It erodes your faith and confidence in God and His word, when you wont speak the truth. You can't have confidence or assurance in God or His Word when you are constantly speaking lies. People who are like this are double minded and are in a constant state of confusion and never really come to an understanding of the truth. Our society wants to say there are no absolutes, do what you want, say what you want, but this is totally opposite of what Gods Word has to say. Jesus taught His disciples about believing their own words. He gave them and all who will listen, a lesson in believing and seeing the promises of God fulfilled. Lets read Mark 11:12 Now the next day, when they had come out from Bethany, He was hungry.
13. And seeing from afar a fig tree having leaves, He went to see if perhaps He would find something on it. And when He came to it, He found nothing but leaves, for it was not the season for figs.
14. In response Jesus said to it, "Let no one eat fruit from you ever again.'' And His disciples heard it.
20. Now in the morning, as they passed by, they saw the fig tree dried up from the roots.
21. And Peter, remembering, said to Him, "Rabbi, look! The fig tree which You cursed has withered away.''
22. So Jesus answered and said to them, "Have faith in God.
23. "For assuredly, I say to you, whoever says to this mountain, `Be removed and be cast into the sea,' and does not doubt in his heart, but believes that those things he says will come to pass, he will have whatever he says.
24. "Therefore I say to you, whatever things you ask when you pray, believe that you receive them, and you will have them.
25. "And whenever you stand praying, if you have anything against anyone, forgive him, that your Father in heaven may also forgive you your trespasses. Jesus response to Peters statement in vs. 21 was to make another statement. Have faith in God. Lets pay attention to this. We are about to get a lesson from the Master on how to do that very thing. Christians are always saying I wish I had greater faith, but Jesus is showing us right here how we must obtain it. We have a tendency to ignore His instructions and just keep on praying God give me greater faith. If we wont believe what He said, and act on it, how will we ever get the kind of faith we are praying for? The truth is we can't. We can only get this kind of faith by doing what He said. We know that what He said is true, and therefor we can act on it with assurance. Jesus said an incredible thing in vs. 23. He said if we say something, and have no doubt in our heart, but believe what we say will come to pass, then we will have whatever we say.
My question is this, did Jesus really mean if we believed that what we said would come to pass then we would have what we said? Is it possible He misspoke? No, He never misspoke. He is truth, what He said is the unshakable Word of God. We can believe Him. Jesus said if we believe what we say will come to pass, then we will have what we say. This is not mans teaching, Jesus said it. He is truth, what He said is truth, we have to get this settled if we ever want to gain a level of confidence and see our faith develop. If we want to walk in the miraculous then we have to do what the Word of God says. These are the instructions we have to follow. We have to believe what we say, or what we say will not come to pass. Can we believe what we say, when half the time what we say is a lie. The answer is no. It wont happen.
These are the instructions given by Jesus the master teacher in having faith in God.
They will work if we will but apply them! We as Christians should always speak the truth, we can start to develop confidence that the words we speak are going to come to pass by speaking the truth always. We have to make the choice and choose to believe that Gods Word is true and He is faithful to fulfill His promises. If we will dare to believe, and have confidence that what we say will come to pass we can see the miraculous. I have proven this to be true in my own life, and challenge all to do the same. Do you know Jesus as your Lord and Savior? Do you want to be a joint heir with Christ?
If so, I urge you to earnestly pray the following prayer. Dear Heavenly Father, I come to you in the name of Jesus. Your word says, and the one who comes to Me I will by no means cast out. (Jn.6:37), So I know You wont cast me out, but You take me in, And I thank you for it. You said in your Word, "whoever calls upon the name of the Lord shall be saved.'' (Ro. 10:13). I am calling on Your name, So I know You have saved me now, You also said, that if you confess with your mouth the Lord Jesus and believe in your heart that God has raised Him from the dead, you will be saved. For with the heart one believes to righteousness, and with the mouth confession is made to salvation. (Ro.10:9,10). I believe in my heart that Jesus Christ is the Son of God. I believe He was raised from the dead for my justification. And I confess Him now as my Lord, Because Your Word says, with the heart one believes to righteousness and I do believe with my heart, I have now become the righteousness of God in Christ. (2 Cor. 5:21), And I am saved! Thank You, Lord!
I can now truthfully say, I see myself as a born again child of God!
Glory to God!!!! Amen. I was raised Catholic, and was born again at the age of 17. I received God's call into ministry at the age of 19 and began to prepare for ministry. I graduated from Rhema Bible Training Center in 1979. The Lord has called me to teach. My desire is to help all that are seeking to come into a deeper understanding of what God has done for us through Christ Jesus and I have started a web site for this purpose called The Olive Branch; Please visit us for more free studies and resources to help you on your journey. Mark Baker
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Focusing On Mobile Telephony

By [http://ezinearticles.com/?expert=John_Gibb]John Gibb The novel technology of mobile telephony has over the last years become the focus point of numerous discussions, both in academia and business environments, due to its tremendously social penetrating abilities. Making the conveyance from telephones cultural heritage to that of the mobiles augmented reality has generated as much support from various critics, as it has discontent. But the fact still remains that for the privileged developed half of the world, mobiles have become to be viewed as a trendy necessity as well as a social networking tool. An electronic telecommunications device, the mobile phone or cellular phone, commonly referred to as the cell, has become one of those personal property items that can fit the criteria of being both a gadget and a tool. Offering its communicating services since the early to mid 1980s, the considerably larger version of the mobile phone was permanently installed in vehicles as car phones. As technological innovations made miniaturization possible, the majority now of mobile phones are easily controlled and operated single-handed. Moreover, the standard voice feature has been enhanced with additional services, like text messaging, camera capabilities, internet browsing and MMS features for sending and receiving photos and video. Mainly due to their low establishment costs and rapid deployments, mobile phones have since their first introduction spread rapidly throughout the world, outstripping the growth of fixed telephony. From Europe and Australia, to Asia and America, mobile phones are now widely used, with the majority of adults, teenagers and even children now owning at least one model. Packed with widely diverse features, from alarms to teleconference abilities, mobile phones have set the pace to a new type of communication based culture. But the extreme overload of cell phones has not resulted in closer or more genuine communication principles. Still people, in most cultures, base their business deals and personal affiliations to face-to-face interaction, leaving mobile telephony less ground to grow as a meaningful type of communication. After all, it is not that different than having a fixed telephone line; the difference mainly being that you carry that line whenever you might be. Yet, mobile telephony use has become ubiquitous due to the interoperability factor telecom networks have endorsed and most have allowed it to spread across continents. In fewer than twenty years, mobile phones have indeed gone from being rare and expensive devices mainly used by businesses, to low-cost, trendy and personal items, used by everyone who wishes to have the ability to reach and be reached by others. But, interestingly enough, sociologists have realized that, as any other type of social networking device, mobile users began to develop vastly different practices based on their own cultural biases. John Gibb is the owner of mobile sources For more information on mobiles check out http://www.mobiles-sources4u.info Article Source: http://EzineArticles.com/?expert=John_Gibb http://EzineArticles.com/?Focusing-On-Mobile-Telephony&id=300632 ambien and side
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Grow Your Business Potential Through Business Loan

By [http://ezinearticles.com/?expert=John_Carry]John Carry Are you willing to start your business or merely want to expand your current business? Well, business is one of the best ways of earning money provided you have a good management and planning with a strong financial backup. Finance is often considered as the backbone of any business. You may not be able to finance your business from your own pocket. However, you can raise funds for you business from the business loan. Being a businessperson, you should be aware of the specific reasons for which you are taking loans. You can choose a business loan for many business purposes, such as for purchasing lands for your business, business premises, business equipments, for paying off wages, etc. All your financial needs for your business can be fulfilled by the [http://www.ask4loan.co.uk/business-loan.html]business loan. However, to obtain business loan, you need to go through with some of the basic criteria on personal as well as on professional basis. Moreover, if you want to get one of the best business loan deals, you will have to show your projects and the business strategies you have planned. Lenders actually want to know your willingness for your business. If you are fully devoted, you are bound to get success in your business. Business loan comes in two different forms: secured and unsecured. For secured business loan, you need to pledge your property as collateral. Lenders offer lower interest rate and flexible repayment period for secured loans. On the other hand, unsecured business loan offer somewhat higher interest rate and a short repayment period. It does not require any collateral. Choose your business loan as per your financial needs. Grow your business as well as your profits. The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting Ask-4-Loan as a finance specialist. For more information please visit: http://www.ask4loan.co.uk Article Source: http://EzineArticles.com/?expert=John_Carry http://EzineArticles.com/?Grow-Your-Business-Potential-Through-Business-Loan&id=271375 ambien board message
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Gourmet Gifts: Nurturing Client Relationships Through Food

By D. Giolitto If you've ever worked for a large company, you know that some of the best times are had while noshing on gourmet gifts of appreciation from your vendors. Nothing like a Harry and David's basket filled with succulent pears, fine cheeses, dainty little shortbread cookies, and tiny jars of wild fruit preserves, to ensure that yes... the contract will be extended for yet another year. Or how about a sake-induced buzz around the hibachi table with your cubicle mates... sushi works of art making the rounds as cleavers and hunks of filet mignon dance in the air. It's these joyous, food-filled moments that tell us, yes... we're going with the same printing company for the 12th year in a row. So dig in and drink up... life is good and we love our service providers! Great customer care brings long-term business, but the way to your clients' hearts is through their stomachs. Edible gifts offer comfort, relieve stress and smooth things over nicely when negotiations suddenly go sour. They also fix seemingly unsolvable problems. I recall a time when my former boss stormed into the creative director's office and unloaded a mile-long laundry list of complaints... only to return later with a large tray of bakery cookies that had been sent to ease our disgruntled souls. Did we hurl the cookie peace offering to the floor, stomp our feet defiantly and hand in our resignation letters? No. We ate the cookies, licked our fingers and went back to work. The gourmet food gift is a very powerful business tool indeed. If it wasn't, there woudn't be a space on your tax form where you can write off meal expenses. But what do you do when you're a small start-up, and Omaha Steaks, Godiva Chocolates and Williams-Sonoma bottled creations are a wee bit beyond your price range? Well, you might consider one of the many online gourmet gift providers who offer the convenience of internet shopping plus the quality, freshness, and personalized service that only a fellow small biz owner can promise. Indeed, virtual consultants and gourmet gift-seekers need only look as far as their computer to discover the service-with-a-smile Mom and Pop shop equivalent of the downtown bakery with the aroma of warm rolls wafting out; the local orchard where you can get a sumptious homemade fruit pie to go, or that quaint little corner candy shop that dips their own chocolates. Got a client in mind whom you'd love to express your thanks with a tasty token of appreciation? No, you can't buy them dinner at one of the local hot spots if they're across the country... but it's easy enough to send them food by mail. Make your gourmet selection at any one of the fine online establishments bearing gifts of real, fresh food. Place your order via online shopping cart and have your edible gift delivered within one to two weeks. Imagine how delighted your client will be to open the surprise parcel and uncover a delectable gift of freshly baked cookies, crisp crackers and zesty spreads... gourmet cheese, fine wine, or any number of other ingestible delights that can be ordered on the web with little to no fanfare. And the best part is, most online own food business owners frequently offer reduced rates on their products if you express interest in bulk ordering from them on a regular basis. Millions of creative online entrepreneurs offer unique food gifts that speak of handcrafted ingenuity, quality ingredients and sleek packaging that will reflect your professionalism. Put your gift-giving responsibility in their loving care and it's almost as good as saying to your customers, "I prepared this delicious food for you with my own two hands." Yes, an edible conversation piece will keep you in the mind of your best clients for sure. In a world where high-speed connections rule the day and common courtesy has gone the way of the 50 cent cup of coffee... isn't it nice to know that you can still count on gourmet gifts to foster positive client relations? Copyright 2006 Vermont Shortbread Company. All rights reserved. This article supplied by Wordfeeder.com Copywriting and Marketing Services. Give your best clients a taste of what they're missing: buttery-rich, authentic Vermont Shortbread. Place your online order for our corporate shortbread, boxed fresh from the oven and shipped right to your customer's office doorstep, at http://VermontShortbread.com Article Source: http://EzineArticles.com/?expert=D._Giolitto http://EzineArticles.com/?Gourmet-Gifts:-Nurturing-Client-Relationships-Through-Food&id=231672 over the counter ambien
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Rising Raisins and Pop Bottle Fountains - A Science Inquiry Experience - Part 2

By Thomas Smith In Part 1 of this experience, students worked with "Rising Raisins". There they found that bubbles prefer to form on a surface and just not come out of solution on their own. Here, we take that knowledge and attempt to get lots of bubbles to form in one small area to create a "Pop Bottle Fountain". For this, you will need a two liter bottle of seltzer water. Soda will work fine but it tends to make a sticky mess. Seltzer water will just evaporate leaving no sticky residue. As far as clean-up is concerned, seltzer water is the winner. You will also need a hammer, nail, a piece of string about two feet long, some tape, and a candy Menthos. Menthos are mint flavored chewy candies found in the grocery check-out. There are six or eight in a package. Have the students make observations about a Mentho. They will note that its white, smooth, and not round. Ask them to observe the shell more closely. It really isn't as smooth as it appears on first glance. What do you think will happen if we place this in seltzer water? Carefully remove the cap from the seltzer bottle. Some gas will escape. Don't worry. Place the cap on the sidewalk so that the top is facing up. In this way something could be hidden under it, but that's not what is going to happen. Using the hammer, pound the nail through the top of the cap to make a hole. You are done with the hammer and nail. Run the string through the hole so that the cap is halfway up the string. Attach one Mentho to the end of the string that is going into the cap. Use some tape to do this. This attachment will be flimsy at best. Draw the attached Mentho up into the bottle cap by pulling on the string that leaves the top of the cap. Screw the cap (with the Mentho inside) tightly onto the bottle. Do not let the Mentho touch the seltzer water. You're ready for the fountain. Make sure it is pointing at no one. Count down, "Three, two, one!", and pull the string. The Mentho will be freed from the string and tape and drop into the seltzer water. There, the Mentho will provide lots of surface for bubbles to form very quickly. The pressure will build inside the bottle and the water will spray from the bottle as a gorgeous, though short lived, fountain. Quite exciting, indeed. Did the students guess correctly? Next time, more science activities to try. Until then, have fun! Tom Smith, an elementary science teacher, owns and operates Wonder Workshops, an online mecca of retro toys, puzzles, magic tricks, novelties, books and DVDs all based in science, math, and problem solving. He also offers science workshops around the country for teachers and parents. Be sure to visit the store and workshop site at http://www.wonderworkshops.com for more information and to sign-up for his free newsletter. You'll be glad you did. Article Source: http://EzineArticles.com/?expert=Thomas_Smith http://EzineArticles.com/?Rising-Raisins-and-Pop-Bottle-Fountains---A-Science-Inquiry-Experience---Part-2&id=158370 ativan for nerves
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What Most Marketing Gurus Don't Teach You

By Debbie LaChusa If you're not getting the results you want from your marketing, there's a good chance it's because you're missing one key ingredient. An ingredient that can make the difference between successful marketing and dreadful marketing. The difference between your business making it or breaking it. You're probably doing "tactical" marketing. So what exactly does that mean? Isn't marketing, marketing? The answer is, no. There are two kinds of marketing: strategic marketing and tactical marketing. And, there is a distinct difference between the two. It's what most marketing "gurus" don't teach you As I look around, most of the "marketing gurus" I see are teaching tactical marketing. It's not that that's bad ... it's just that it's only part of what you need to succeed. They're teaching you how to write copy. How to publish an ezine. How to market your business by writing articles or by issuing press releases. How to market by teaching teleseminars or doing speaking engagements. Or even how to network effectively. Yes, these are all very valid ways to market your business. So, what's the problem? Without a well-thought-out marketing strategy behind them, your chances of finding success with any or all of these marketing tactics is limited. So what exactly is strategic marketing? Just like it sounds, strategic marketing means you have a strategy behind your marketing. A "game plan" if you will. It's what you do BEFORE you start marketing It involves spending some time BEFORE you market to determine exactly what you want to accomplish and setting some goals for your business. It means establishing an objective for every marketing activity you undertake. With strategic marketing you take the time to answer some basic questions about who you are marketing to and what message will be most effective. You take the time to really understand the people you are marketing to and how your product or service solves a problem or fills a need they have. You put all these puzzle pieces together to create a strategy and a plan to grow your business. Yes, that strategy may involve things like writing effective ad copy, publishing an ezine, article marketing, writing press releases, and maybe even doing some speaking or networking. But here's the real difference ... You now have a game plan driving your use of these marketing tactics. You know what you want to achieve. You know who you're trying to reach. You know where you can find them. And you know what you must say to persuade them. And, most importantly, you have a marketing plan that ensures you'll stick with your marketing consistently enough to actually move the needle toward your goals. (C) Copyright 2006 Debbie LaChusa Debbie LaChusa created The 10stepmarketing System to make marketing your own business as simple as answering 10 questions. Learn more about this unique, step-by-step system and get a free 10-week Marketing E-Course when you subscribe to the free, weekly 10stepmarketing Ezine at http://www.10stepmarketing.com Article Source: http://EzineArticles.com/?expert=Debbie_LaChusa http://EzineArticles.com/?What-Most-Marketing-Gurus-Dont-Teach-You&id=126213 buy both ambien and phentermine no rx
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You Can't Make Money Doing Surveys

By Kaila Smith While searching online for new ways to make money at home I'm sure you have come across Online Paid Surveys. "Don't" they are all scams and not only suck money out of your wallet but drain you of your time and leave you with false hopes. Think about it people, these are marketing strategies that these paid surveys companies practice to get the most out of you and leave with little or nothing at all. What bugs me the most is that are able to convince the hard worker that they two can become wealthy and enjoy the good life just by filling out three to four online surveys a day.
This is not true. And just like the old saying goes " what seems to good to be true usually is." Look the majority of the population is continuously looking for new ways to earn an extra income or simply find a new way to make a living. These survey companies no this and take complete advantage of the unsuspecting victim.
Yes victim that's what I would call it. When some one or company lies to you and takes advantage of you. Takes Your Hard Earned Money, That's being taken advantage of. There are other great alternatives to making money online though. The greastes thing about the Internet is the endless possibility it has. Now I'm going to mention one, and that is Internet marketing, most people run when the word marketing is mentioned and I used to also. The reason being is when that word "Marketing" is mentioned people automatically think of knocking on doors going door to door or dealing with people. I'll tell you what I'm no people person because I would never make it in that business. But this is where the Internet comes in. "The endless possibility" Would you agree that if you want more money the smart thing to do is to go where the money is.
That makes sense right. Of course it does, "If your doing paid surveys", your doing surveys. If your marketing your making sales and if your making sales your Making Money.
Anthat's exactly what the goal is right. Internet marketing is completely different then offline marketing.
There many areas to cover. To go into this blind would be crazy. Who would no where to begin.
However there is a course and a very brilliant instructor teaching how this can all be achieved.
The course is taken online and is very affordable. ''arcpau.netsalaries.com"
There are many members and new ones joining everyday. The course grantee that you will be making money online within eight weeks or you get what you paid for the course back. Profitlance covers many areas and has tons of resources and is constantly being updated. Profitlance has its very own niche research center, video tutorials, task manager, blueprints "step by step instructions", teaching how to use adsense, adwords , seo marketing, and so much more Oyhea how to blog and make money from it also. This course is never ending you can always rely on it and look back and use for a reference and even contact the instructor with any question you might have and get a quick response. Making money online can be very easy if you learn the tools and methods the Internet gurus and the rich hide from us. Dont be another victim to the online survey scam. And dont sell your self short and delay this any longer. Join Today.
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Private Practice Marketing: Why You Should Absolutely Never Do a Free Consultation, Ever, Period

By Jeff Herring Private practice marketing is tough enough without being encouraged to give away your services. Yet somehow it has leaked into the "popular wisdom" of the coaching world that the way to get new clients is to offer a free complimentary consultation. I do not know where or how this got started, and I really don't care. What I do care about is that the people that I mentor and coach do not offer one! Here's why: The idea behind the free complimentary session is that if someone gets a little bit of your services they are going to want more. While it does make a certain amount of sense, it does not work in the real world. The reason this popular idea does not work is it communicates two things: 1. You communicate that you are willing to give away your services for free. When you do this in a first meeting, you communicate that the rest of your services are free or that your fees are negotiable. 2. You communicate that someone can get all they need in a one time session. While that is not your intention, it is what is communicated. I've heard it a thousand times from those I coach and mentor - very few people that do the complimentary session end up as clients. What to do instead Guess what? We already do an initial consultation. It's usually called a phone chat. In my in person or on the phone coaching, the first contact is most often by phone. The client and I chat for awhile, they tell me what is going on, I tell them what I think we can do together, and we then almost always set the first appointment. And it would NEVER, EVER occur to me to call it a free initial consult. Neither should you. Get the very best in private practice coaching and mentoring at http://www.BuildingYourIdealPractice.com with private practice mentor-coach Jeff Herring. Article Source: http://EzineArticles.com/?expert=Jeff_Herring http://EzineArticles.com/?Private-Practice-Marketing:-Why-You-Should-Absolutely-Never-Do-a-Free-Consultation,-Ever,-Period&id=333207 ambien ordering on linew
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Fishing - Just the Basics

By Jack Phillips I've been fishing for over 50 years and even more frequently in the last 10 years; during this time I have learned a lot of countless things about fishing in general. The most important is that you can never know it all. Even a novice can show an old timer a trick or two. Over the years I've seen hundreds of anglers come to the areas I fish full of enthusiasm and determination and they end up leaving frustrated and confused. With just a little advice this could have made for a better experience and more than likely created another fishing addict like myself. It may take some time to turn you into that pro, but the enjoyment of the sport would be more easily realised. When starting out the very first thing you want is just basic information on where and when to fish. Sounds easy and generally just ask other anglers, lodge owners, bait store owners, heck just ask. Now for the fishing equipment, the rod and reel. Sounds simple enough, but maybe not. As in most other sports, cheap or poor equipment will result in poor results. As an example I met a fellow from southern Ontario (Toronto) while fishing here at home for Northern pike and asked him how the fishing was. His remark was that he was going to rent a boat and give it a try. So I asked him if he would like to go out with me that evening and he accepted. I met him at the dock and told him to load his gear in the boat and offered him a life jacket and away we went. I did not notice what he had loaded at first except he had a nice big new tackle box, as we moved away I asked where is your rod and reel. He went on to open his new tackle box and proceeded to pull out one of those pocket fisherman rigs. Of course I had a hard time from not laughing out loud, but went on to offer him one of my other rigs already in the boat. Once we hit the area I intended to troll he went on to politely say he wanted to use his own rod but asked what one of his lures he should use for northern pike. He had one large red and white spoon and I told him to use that and made sure he let out enough line for what we were doing. I believe I was praying for him to get the first strike and sure enough he did after about 15 minutes or so and the fun began. Now this pike he had on was I guessed about 15 pounds, not that big but the struggle with that little, short toy he had was hilarious to watch. I did not believe he would get the fish to the boat but he did although to fast, I had the net and told him to slow down, he did not hear me as I leaned over to net the fish he had it reeled up to about 2 feet from the tip of that little rod, all that pike did was lean on the line and he was gone. I must add here that he also had no leader on that rig. After that he was so excited and of course wanted to keep fishing, but asked if he could use one of my other rods which was fine because I wanted to see him really hook and land a nice fish. To shorten this story he did land 2 more northerns and a small walleye. Oh yes I did catch a fish, one walleye and one pike, but we had a new fishing addict here. The next day he went into town to the Canadian Tire store and got properly equipped. I imagine that young man from southern Ontario had some great tall tales to tell when he got home. I wonder how big that one that got away is Now! A light action graphite spinning rod and reel will handle most fish you will want to catch, plus it is light enough for the beginner to feel even the light hit of those walleye. So just get out there relax, take your time. Bring some coffee or lunch or even better catch your lunch and cook on one of the many small islands all over these northern lakes. Mostly just enjoy it all the fresh air, wildlife and scenery. Enjoy it all while your watching that loon, deer or even a moose feeding, a big walleye might just swim up and inhale your bait sending that twitch up your line through your rod to your fingers. Set the hook and there's lunch! Well that's enough from me time for supper and a 5 minute stroll down to the river and make a few casts and see what happens. Jack Phillips has been an avid Canadian angler for over 50 years. Fishing Canada provides solid advice for walleye, pike, muskie, a variety of trout, arctic char bass and more. Ideas on when and where to go on your next trip to Canada. Ice fishing tips. Delicious fish recipes also! Article Source: http://EzineArticles.com/?expert=Jack_Phillips http://EzineArticles.com/?Fishing---Just-the-Basics&id=264774 ambien 15mg tabs
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Weight Loss and Thyroid

By Matt Lee Your thyroid dictates much of your metabolism, any malfunction or disease afflicting this area may cause you to have problems in metabolism leading to a drastic problem with your weight --- you may either gain weight, lose weight, or may find that losing weight is harder than usual. Those that plan diets do not take into consideration how their thyroids and metabolism may affect their weight loss program. Most experts and even the media pitch in and recommend that the best way to lose weight is cut calories. Those with a condition called hyperthyroidism suffer from an overactive thyroid leading to one having his or her metabolism skyrocket. If this is the case, then you will probably lose weight fast. This is a nice proposition for some who wish to lose weight. However, this is actually hazardous to the health. Aside from the medical difficulties such a disease brings, one will also notice weight problems as a result. These people have trouble keeping on weight and may notice weakness and bulging of the eyes. This disease may need special treatment from doctors.
Hypothyroidism on the other hand works in the other direction --- slowing metabolism until the body gains weight at an incredible rate. Like hyperthyroidism, hypothyroidism causes a general weakness in the body. It too may need special treatment and may cause serious health problems if left unattended. While cutting calories in itself can be very hard for most people ?imagine, the people involved in life and death struggles at the supermarket regarding whether to buy that extra box of sweets, some have exactly the opposite problem. Instead of eating too much calories, which is a problem in itself, they eat too little calories instead. The problem with some is that they believe that since the experts say that they have to cut calories, cutting calories to an inordinate amount will reap greater results. Unfortunately, it doesn't work that way. While cutting calories helps diets, consuming too little calories pushed the body into a hoard mode, the body's metabolism slow to adapt to the lesser amount of available energy. If your body enters this mode, your body will work at such slow metabolism that losing weight becomes impossible. The technique here should be to reduce calories without the body slowing its metabolism. Only then can losing weight become easier. Another problem that can arise from decreased metabolism is that when your metabolism slows due to a drastic reduction in metabolism, and then you suddenly eat a good, hearty, calorie-filled meal, you are bound to gain more weight owing to the increased surplus of energy. This is why an imbalanced meal is highly discouraged among those that seek to lose weight. The sudden loss and increase of calories will cause an imbalance in one's energy consumption directly affecting fat deposit. Here is a simple computation to help you get to the right amount of calories you will need per day so that you get your nutrients in the right balance. First of all, multiply your weight in kilograms by 30. If you only know your weight in pounds, divide it by 2.2 to get to its English equivalent. We divide this number by 30 because that is the number of calories you need to maintain your weight per pound of weight. For example if your weight in pounds is 150, divide it by 2.2. That will give you a figure of 68.18. This is your weight in kilograms. Multiply this by 30 and you will arrive at the amount of calories you will need per day to maintain 150 lbs. You may consult a nutritionist to help you come lose weight. In the end it all comes down to math. If you consume more that your body needs, it stores it as fat. Now is probably a good time to start studying the back of those grocery cartons. Try to keep your diet at a 40% protein, 25% fat, and 35% carbohydrate meals at 300 calories per meal. Spread out these meals in a day for optimum results. While it may be simple computation to get at numbers, do not forget the earlier mentioned fact that the body adapts to its condition. Expose it to extreme ones and you may find yourself getting results you never wanted. Consult a nutritionist for more advice. Find our more resources on weight loss and diet at iLookBetter.com (http://www.ilookbetter.com). Article Source: http://EzineArticles.com/?expert=Matt_Lee http://EzineArticles.com/?Weight-Loss-and-Thyroid&id=267257 ambien viagra gifts
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The Operation Was a Success--The Patient Died � 250,000+ Deaths Annually

By [http://ezinearticles.com/?expert=Dorothy_M._Neddermeyer,_PhD] Dorothy M. Neddermeyer, PhD The Journal of the American Medical Association Vol. 284 July 26, 2000, published an article documenting the tragedy of Traditional Western Medicine (TWM) paradigm. The author, Dr. Barbara Starfield of Johns Hopkins School of Hygiene and Public Health describes how the U.S. health care system may contribute to poor health. Doctors, she stated, are the third leading cause of death in the U.S., causing 250,000 deaths every year. This information is a follow-up to the Institute of Medicine report December, 1999, but the data was hard to reference as it was not in peer-reviewed journal. Now it is published in JAMA which is the most widely circulated medical periodical in the world. DEATHS PER YEAR:
1. 12,000 -----unnecessary surgery 8
2. 7,000 -----medication errors in hospitals 9
3. 20,000 ----other errors in hospitals 10
4. 80,000 ----infections in hospitals 10
5. 106,000 ---non-error, negative effects of drugs 2 250,000 deaths per year from iatrogenic--death induced in a patient by a physician's activity, manner, or therapy, especially of a complication of treatment causes--is outrageous!! Yet, the majority of people continue to trust the medical profession to 'cure' them, inspite of all the evidence to the contrary. Dr. Starfield cites these warnings in interpreting the numbers: most of the data are derived from studies of hospitalized patients. these estimates are for deaths only and do not include negative effects that are associated with subsequent disability, discomfort or no relief from the presenting issue. the estimates of death due to error are lower than those in the IOM report. 1 If the higher estimates are cited, the deaths due to iatrogenic causes would range from 230,000 to 284,000. In any case, 225,000 deaths per year, constitutes the third leading cause of death in the United States, after deaths from heart disease and cancer. Even if these figures are overestimated, there is a wide margin between these numbers of deaths and the next leading cause of death (cerebrovascular disease). Another analysis concluded that between 4% and 18% of consecutive patients experience negative effects in outpatient settings, with: 116 million extra physician visits
77 million extra prescriptions
17 million emergency department visits
8 million hospitalizations
3 million long-term admissions
199,000 additional deaths
$77 billion in extra costs The high cost of health care system is considered at a deficit, but is tolerated under the propagandized belief that better health results from more expensive care. However, evidence from a few studies indicates that as high as 20% to 30% of patients receive inappropriate and/or inadequate care. An estimated 44,000 to 98,000 among them die each year as a result of medical errors. 2 The high cost of the health care might be tolerated if it resulted in better health, but does it? Of 13 countries in a recent comparison,3,4 the United States ranks an average of 12th (second from the bottom) for 16 available health indicators. The ranking of the U.S. on several indicators was: 13th (last) for low-birth-weight percentages
13th for neonatal mortality and infant mortality overall 14
11th for post neonatal mortality
13th for years of potential life lost (excluding external causes)
11th for life expectancy at 1 year for females, 12th for males
10th for life expectancy at 15 years for females, 12th for males
10th for life expectancy at 40 years for females, 9th for males
7th for life expectancy at 65 years for females, 7th for males
3rd for life expectancy at 80 years for females, 3rd for males
10th for age-adjusted mortality The poor performance of the U.S. was recently confirmed by a World Health Organization study, which used different data and ranked the United States as 15th among 25 industrialized countries. There is a perception that the Americans "behave badly" by smoking, drinking, and perpetrating violence, therefore their bad behavior is the cause of a poor health ranking. However, the data does not support this assertion. The proportion of females who smoke ranges from 14% in Japan to 41% in Denmark; in the United States, it is 24% (fifth best). For males, the range is from 26% in Sweden to 61% in Japan; it is 28% in the United States (third best). The U.S. ranks fifth best for alcoholic beverage consumption.
The U.S. has relatively low consumption of animal fats (fifth lowest in men aged 55-64 years in 20 industrialized countries) and the third lowest mean cholesterol concentrations among men aged 50 to 70 years among 13 industrialized countries. These estimates of death due to error are lower than those in a recent Institutes of Medicine report, and if the higher estimates are used, the deaths due to iatrogenic causes would range from 230,000 to 284,000. Even at the lower estimate of 225,000 deaths per year, this constitutes the third leading cause of death in the U.S., following heart disease and cancer. Lack of technology is certainly not a contributing factor to the U.S.'s low ranking. Among 29 countries, the United States is second only to Japan in the availability of magnetic resonance imaging units and computed tomography scanners per million population. 17 Japan ranks highest on health, whereas the U.S. ranks among the lowest. It is possible that the high use of technology in Japan is limited to diagnostic technology not matched by high rates of treatment, whereas in the U.S., high use of diagnostic technology may be linked to more treatment. Supporting this possibility are data showing that the number of employees per bed (full-time equivalents) in the United States is highest among the countries ranked, whereas they are very low in Japan, far lower than can be accounted for by the common practice of having family members rather than hospital staff provide the amenities of hospital care. The JAMA article is a momentous occasion, because the AMA seldom acknowledges any mistakes or failures in publications widely dispersed. It is noteworthy, however, the most widely used wire service in the world, Reuter's, did not pick up the article. The JAMA is the largest and one of the most respected medical journals in the entire world. The JAMA article makes it clear that doctors are the third leading cause of death in the U.S. killing nearly a quarter million people a year. The only more common causes are cancer and heart disease. This statistic is likely to be seriously underestimated as much of the coding only describes the cause of organ failure and does not address iatrogenic causes at all.
Japan has benefited from recognizing that technology is wonderful, but just because a diagnoses is made, one is not obligated to cut it out or bomb it with chemicals. Their health statistics reflect this aspect of their philosophythe mental causes for physical illness and the metaphysical way to overcome theas much of their treatment is not treatment at all, but loving care rendered in the home. 20 Emotional and spiritual sustenance and healing, not treatment, is the answer. Drugs, surgery and hospitals are rarely the answer to chronic health problems. Facilitating the God-given healing capacity that all of us have is the key. Improving the diet, exercise, and lifestyle are basic. Effective interventions for the underlying emotional and spiritual wounding behind most chronic illness are clues to maximizing health and eliminating disease. Related Articles: Author Affiliation: Department of Health Policy and Management, Johns Hopkins School of Hygiene and Public Health, Baltimore, Md. Corresponding Author and Reprints: Barbara Starfield, MD, MPH, Department of Health Policy and Management, Johns Hopkins School of Hygiene and Public Health, 624 N Broadway, Room 452, Baltimore, MD 21205-1996 (e-mail: bstarfie@jhsph.edu). REFERENCES: 1. Schuster M, McGlynn E, Brook R. How good is the quality of health care in the United States? Milbank Q. 1998;76:517-563. 2. Kohn L, ed, Corrigan J, ed, Donaldson M, ed. To Err Is Human: Building a Safer Health System. Washington, DC: National Academy Press; 1999. 3. Starfield B. Primary Care: Balancing Health Needs, Services, and Technology. New York, NY: Oxford University Press; 1998 4. World Health Report 2000. Available at: http://www.who.int/whr/2000/en/report.htm. Accessed June 28, 2000. 5. Kunst A. Cross-national Comparisons of Socioeconomic Differences in Mortality. Rotterdam, the Netherlands: Erasmus University; 1997. 6. Law M, Wald N. Why heart disease mortality is low in France: the time lag explanation. BMJ. 1999;313:1471-1480. 7. Starfield B. Evaluating the State Children's Health Insurance Program: critical considerations. Annu Rev Public Health. 2000;21:569-585. 8. Leape L. Unnecessary surgery. Annu Rev Public Health. 1992;13:363-383. 9. Phillips D, Christenfeld N, Glynn L. Increase in US medication-error deaths between 1983 and 1993. Lancet. 1998;351:643-644. 10. Lazarou J, Pomeranz B, Corey P. Incidence of adverse drug reactions in hospitalized patients. JAMA. 1998;279:1200-1205. 11. Weingart SN, Wilson RM, Gibberd RW, Harrison B. Epidemiology and medical error. BMJ. 2000;320:774-777. 12. Wilkinson R. Unhealthy Societies: The Afflictions of Inequality. London, England: Routledge; 1996. 13. Evans R, Roos N. What is right about the Canadian health system? Milbank Q. 1999;77:393-399. 14. Guyer B, Hoyert D, Martin J, Ventura S, MacDorman M, Strobino D. Annual summary of vital statistics1998. Pediatrics. 1999;104:1229-1246. 15. Harrold LR, Field TS, Gurwitz JH. Knowledge, patterns of care, and outcomes of care for generalists and specialists. J Gen Intern Med. 1999;14:499-511. 16. Donahoe MT. Comparing generalist and specialty care: discrepancies, deficiencies, and excesses. Arch Intern Med. 1998;158:1596-1607. 17. Anderson G, Poullier J-P. Health Spending, Access, and Outcomes: Trends in Industrialized Countries. New York, NY: The Commonwealth Fund; 1999. 18. Mold J, Stein H. The cascade effect in the clinical care of patients. N Engl J Med. 1986;314:512-514. 19. Shi L, Starfield B. Income inequality, primary care, and health indicators. J Fam Pract.1999;48:275-284. 20. Hay, Louise L. Heal Your Body. Hay House, Inc. 1988; 1-83. Dorothy M. Neddermeyer, PhD, specializes in: Mind, Body, Spirit (metaphysical) healing and Physical/Sexual Abuse Prevention and Recovery. As an inspirational leader, Dr. Neddermeyer empowers people to view life's challenges as an opportunity for Personal/Professional Growth and Spiritual Awakening. [http://www.drdorothy.net] http://www.drdorothy.net Article Source: [http://ezinearticles.com/?expert=Dorothy_M._Neddermeyer,_PhD ] http://EzineArticles.com/?expert=Dorothy_M._Neddermeyer,_PhD [http://ezinearticles.com/?The-Operation-Was-a-Success--The-Patient-Died---250,000+-Deaths-Annually&id=146887 ] http://EzineArticles.com/?The-Operation-Was-a-Success--The-Patient-Died---250,000+-Deaths-Annually&id=146887 ambien href
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Diet Essentials - What You Should Know Before You Start Any Diet

By John Jarmola 1) If you starve your body then it will go into Fat Storage mode and will attempt to conserve energy by slowing your metabolism down and store reserves as fat. Whereas, if you eat when you are hungry then your metabolism will operate more efficiently as your body learns that it is easily able to replenish spent energy reserves. As a result you will feel more energetic and able to carry out those physical activities that burn up calories and result in actual weight loss. 2) The food that you eat does not only supply you with energy but with those vitamins and minerals required to keep your body in a healthy condition. Reducing the amount you eat and or changing your diet (what you eat) will have an impact on the level of vitamins and minerals you are taking in, which may mean that you may need to supplement your diet with an additional source of these essential items. 3) To lose weight you need to use up more energy than you take in. Your diet needs to reflect the amount of energy you use. 4) Exercise causes your body to burn calories, the definition of exercise is not a 26 mile marathon but Anything that causes you to breathe more deeply than you normally would and or causes your heart rate to speed up. 5) Most people feel hungry when their blood sugar level falls below a certain level. Eating sweet sugary foods will temporarily increase your blood sugar levels as sugar is quickly and easily absorbed. However, sugar in this form is quickly used up so you will very quickly feel hungry again. This is one of the reasons why you should eat healthy foods as you will feel less hungry for longer. 6) Unfortunately, as a result of poor a diet your body can become accustomed to high blood sugar levels, so any relative drop will potentially result in you feeling hungry. This is why dieting is mainly about re-educating your body not to feel hungry on less food. 7) Studies have shown that eating protein (meat, eggs etc) causes you to feel less hungry for longer. 8) Slowing the rate at which you eat by thoroughly chewing up each mouthful has the effect of causing you to eat less food. 9) Your imagination is more powerful than your willpower. Giving up those foods which you crave and dream about will result in failure. Use your imagination to help achieve your goals. This article was written by John Jarmola, a Consultant Food Technologist who specialises in the development of new food products. He is currently involved in a reviewing the benefits of the new "Superfood", Acai Juice, to find out more visit http://acaijuicereview.com/ Article Source: http://EzineArticles.com/?expert=John_Jarmola http://EzineArticles.com/?Diet-Essentials---What-You-Should-Know-Before-You-Start-Any-Diet&id=74847 ativan dosage for sleeping
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Finding Scholarships Online

By Morgan James Applying for college or university can be a daunting procedure by itself. Also applying for scholarships can seem like a monumental task. Applying for scholarships doesnt have to be painful. You can now find many scholarships on the internet. Using the internet to find scholarships might not be painful, but it will still be time-consuming. You will probably have to fill out a profile at each site on which you want to search. It is in your best interest to fill out your profile as accurately and as painstakingly as possible. Choose as many options as you can so that you will be given as many matching scholarships as possible. This way, you can weed out the ones you dont think are worth it. A simple way to find scholarships online is to google scholarships. This, however, isnt always going to take you to the most reputable sites. You will be taken to contest sites as well as scholarship sites. The best way to find scholarships online is through a few reputable scholarship search engines. studentawards.com This is the best scholarship website out there. It has scholarships sorted by their availability in Canada, the US, and abroad. scholarship.com This scholarship site is worth checking out. Although not as extensive as studentawards.com, it is best to search for as many scholarships as you can. scholarshipscanada.com This site is dedicated to Canadian students or students studying in Canada. It has tons of helpful information. With all scholarship search engines, you will likely find that some scholarships require money to apply. Find out if that is worth it to you. Only send money if the scholarship is coming from a reputable source. Be sure to establish the difference between scholarships that are based on your merit and scholarships that are more like contests, or that are based on financial need. Any money is good money, but its also nice to know why you deserve that money. Other places to look online include cfuw.org (the Canadian Federation of University Women) and aauw.org (the American Association of University Women). The Rotary Club (rotary.org) also offers scholarships. Are you involved in any national groups, such as scouting, a church, or a club? Check out their websites too for scholarships you might not even know existed. Governments often offer quite large scholarships. Check out your municipal, state/provincial, and federal government website to see if there are any awards to which you can apply. Another place to check for scholarships is with local public broadcasting. Go to cbc.ca or radiocanada.ca or pbs.org or npr.org and search for scholarships to see if there are any salient scholarships. The places to look for scholarships are endless. Often, you will find wonderful scholarships simply by signing up for search engines. Dont be afraid to sign up and take the time filling out the profile. If you are a graduate student, it is time for you to start looking at getting grants instead of scholarships. You can find out how to apply for grants and fellowships by asking one of your professors. You will want to apply for grants in your field. In the end, remember that it will take you hours to find and apply for pertinent scholarships. However, because in the end you will be earning hundreds or thousands of dollars, it only makes sense to spend more time now for earnings in the future. The key to successful scholarship organization is to be organized. Get started early so that you wont have to scramble at the end of any application. Online is only one place to look for scholarships (and be sure to add the www. at the beginning of these web addresses!). You can also ask for at your school (and your prospective schools) office of student awards and financial aid. Dont be afraid to call around and ask for help. Online scholarship engines are a great way to start looking for scholarships, but they are certainly not the last step in obtaining funding for your education. After youve checked out all of the scholarships available, find out how you can get the best student loans at www.theguideto-studentloans.com/types_of_student_loans/ The Guide to Student Loans. Article Source: http://EzineArticles.com/?expert=Morgan_James http://EzineArticles.com/?Finding-Scholarships-Online&id=305720 about ambien withdrawl
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