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Day Three
Start the "Generosity Game" in your neighborhood. It all starts with a card inviting you to do a good turn for someone - anonymously. Then you pass on the card, which invites the kindness recipient to go perform a random act of kindness for someone else. You can download and print the cards at the Generosity Game website. The site also provides more information on the game and fosters imagination on creative ways to make the world a little nicer.
Day Six
Treat yourself to a new magazine full of new recipes that are just right for the season,[link widoczny dla zalogowanych]. Bon Appetit and Cooking Light (if you're watching your calories) are great choices,[link widoczny dla zalogowanych]. Get good deals and free gifts on these magazines here:
Soul Snacks are spontaneous time-outs: creative ways you can nurture your spirit in 15 minutes or less,[link widoczny dla zalogowanych].
Day Five
Put aromatherapy to work for you. Try an energizing scent,[link widoczny dla zalogowanych], such as orange - or a soothing scent, such as lavender. Combine two drops of essential oil to a teaspoon of safflower or canola oil, whatever's on hand. Massage the blend onto your pulse points. Another affordable luxury: you can download aromatherapist Francoise Rapp's "Spa Recipes for All Seasons"for free here:
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Day One
Regardless of how you're doing with your New Year's Resolutions,[link widoczny dla zalogowanych], let us take this day to put a positive spin on things. Ask yourself:
In what ways is your life right on track? What do you love about the way your life is right now? Record your thoughts and insights in your journal,[link widoczny dla zalogowanych].(An affordable luxury to help you: Jennifer Louden's Inner Organizer for 2004 at )
Here's a week's worth,[link widoczny dla zalogowanych], specially designed to help you infuse this cold season with joy and warmth.
By Susie Cortright
See all Articles by Susie CortrightGet Updates on Stress ManagementGet Updates on Susie Cortright Average: 3 Your rating: None Average: 3 (1 vote) Tweet
Day Seven
Brainstorm ways you can get away from it all in 15 minutes or less. Whether it's an indulgent bath, a phone call to a distant friend,[link widoczny dla zalogowanych], or quiet time with a good novel,[link widoczny dla zalogowanych], schedule one of these "escape tasks" for today. Then call a friend and encourage her to do the same.
Day Four
A recent study indicates that a weekly talk with a friend can be as effective against moderate depression as counseling or antidepressants. Even if you're not feeling blue,[link widoczny dla zalogowanych], call a friend who may be having a tough time. Meet her for coffee or a jog through the park. Let her know how much she means to you.
Day Two
Make sure your dollars are doing what you want them to in this world. Check the evaluation of your favorite stores' social and environmental performance here:
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In February 2004 Derek Eastman and I were invited as guests at the annual dinner of The Bushido Za Zen International Society by its Chairman Mr Arnold Davies Hanshi an old student of Kenshiro Abbe Sensei and a close friend of my own good friend Bill Woods Sensei.

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Treat Obesity – obesity (being overweight) increase the risk of breast cancer. Being overweight,[link widoczny dla zalogowanych], especially after menopause, is associated with carcinogenesis of the normal cells of the breast. This risk is higher among women with high levels of estrogen (hormone). It is estimated that the fight against obesity could prevent more than 10,000 new cases of breast cancer per year. Therefore, eat a healthy diet and exercise regularly.
By Remy Vixama
See all Articles by Raphaelo SteffGet Updates on Medical Advice and ResourcesGet Updates on Raphaelo Steff Average: 0 Your rating: None Tweet
Avoid Hormone therapy for menopause symptoms - menopause itself is not a disease, it is a natural hormonal change in your body that often occurs after age 45; but some hormonal treatment against the symptoms of menopause can have serious effects on your health. Long-term use of menopausal hormone therapy (MHT) may lead to breast cancer. According to WHO (world Health Organization),[link widoczny dla zalogowanych], MHT is a risk factor for breast cancer especially when taken for more than 5 years. In addition, Studies show that hormone therapy can also increase the risk of colorectal cancer.
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Avoid contraceptive containing estrogen - as far as possible, use birth control (contraceptive) medications that do not contain synthetic estrogen hormones. In some women, estrogen tends to block the ovarian activity, and involves in the development of breast cancer or cancer of the uterus.
Practice regular physical exercise - physical inactivity may be relaxing,[link widoczny dla zalogowanych], but its consequence is disease. Practicing 30 minutes of physical activity for at least 5 days a week can reduce 30% to 40% breast cancer risk. In addition,[link widoczny dla zalogowanych], exercise fight against the signs of aging. Not only exercise can prevent formation of new cancer cells, but it can also kill cancer cells in their genesis. Whether you are a breast cancer victim, at risk or feel concerned, exercise is beneficial for you.
Despite progress of medical science,[link widoczny dla zalogowanych], breast cancer continues its destructive effects in all social class,[link widoczny dla zalogowanych], poor and rich, black and white. It is estimated that breast cancer will affects one woman in eight will develop cancer during their lifetime. With around 42 000 new cases each year, this disease is a real trouble in the feminine world; cancer is the most feared disease in the 21st century. However, if curing breast cancer is hypothetic, its prevention can be different; there are steps you can take to reduce the risk of its development or its reoccurrence (if you are already a victim):
Avoid alcohol and tobacco use - The risk of breast cancer is higher with consumption of alcohol and tobacco. Even moderate consumption of alcohol and second hand smoking can increase the risk of breast cancer 20% to 30%. In addition to breast cancer, tobacco is the number one cause of oral and lung cancer.
Practice Prolonged Breastfeeding - it can sound old fashion, but studies have showed that prolonged breastfeeding reduces considerably the risk of developing breast cancer. Breastfeeding provides many benefits in the physical and mental development of the infant. By breastfeeding you increase the chance of your infant to be healthy, and decrease your risk of developing breast cancer. It’s not archaic to breastfeed; if times have changed, the causes leading to breast cancer remain the same,[link widoczny dla zalogowanych], reduce your risk of breast cancer by breastfeeding your child.
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In February 2004 Derek Eastman and I were invited as guests at the annual dinner of The Bushido Za Zen International Society by its Chairman Mr Arnold Davies Hanshi an old student of Kenshiro Abbe Sensei and a close friend of my own good friend Bill Woods Sensei.

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In February 2004 Derek Eastman and I were invited as guests at the annual dinner of The Bushido Za Zen International Society by its Chairman Mr Arnold Davies Hanshi an old student of Kenshiro Abbe Sensei and a close friend of my own good friend Bill Woods Sensei.

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It is important for a business to be very careful with its finances and investments in order to succeed in its market; however,[link widoczny dla zalogowanych], businesses do commit mistakes and make wrong decisions sometimes. One of the most common mistakes which entrepreneurs make is signing up for unusually cheap VPS hosting services. A cheap hosting provider could either be a good thing or a bad thing; some cheap hosting providers do not live up to their promise of 100% uptime or the service itself might be problematic. Cheap VPS hosting may be worth it if the services are right, as well.
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The difference between managed and unmanaged VPS hosting
Looking for cheap VPS hosting providers?
Two of the most common hosting solutions which entrepreneurs avail of are managed and unmanaged VPS hosting. Both packages are perfect for e-commerce websites and for building one’s online reputation. These hosting plans are entirely different from each other so it is important to pick the right package for your business. If you are someone looking for more control over your website and its software packages,[link widoczny dla zalogowanych], you might consider availing of unmanaged VPS hosting; however,[link widoczny dla zalogowanych], if you would like to receive support from your web host over some software packages,[link widoczny dla zalogowanych], managed VPS hosting might be the best option for you.
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Who wouldn’t want to avail of cheap VPS hosting services? At a time when many businesses are struggling to stay afloat due to rising costs of operations,[link widoczny dla zalogowanych], cheaper hosting solutions have become quite in demand. There are many cheap hosting providers on the market; however, entrepreneurs are looking for hosting packages which are well-worth the pay. You could say that businessmen today have become “smarter” when it comes to choosing VPS hosting providers.
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In February 2004 Derek Eastman and I were invited as guests at the annual dinner of The Bushido Za Zen International Society by its Chairman Mr Arnold Davies Hanshi an old student of Kenshiro Abbe Sensei and a close friend of my own good friend Bill Woods Sensei.

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Did you want to build a school in Africa? Drive a Ferrari? Did you consciously decide to settle for less? Probably not, we get a knock back or two and suddenly we find ourselves older and living a life that we never imagined when we were small. Jot down when you were small what was it that you wanted to be do and have. This is the first step in discovering your possibilities what you believed was possible once.
Writing: Flora Thompson was aged 63 when she wrote her first novel ‘Lark Rise to Candleford’
We each have six main areas of our lives, Health,[link widoczny dla zalogowanych], Spiritual, Relationships, Mental improvement,[link widoczny dla zalogowanych], Social,[link widoczny dla zalogowanych], and financial and career. A great place to start discovering your possibilities was when you were little. Remember when you were small say between six and eight years old what did you want to be,[link widoczny dla zalogowanych], do and have then in each of those areas of life.
If so sign up for the course or the free mini course
For each of these areas Health, Spiritual, Relationships, Mental improvement, Social,[link widoczny dla zalogowanych], and financial and career. Put down what you believe is possible for you now.
Sport: Oscar Swahn won 2 Gold medals when he was 60,[link widoczny dla zalogowanych].
Business; Colonel Saunders started Kentucky Fried Chicken with his first ‘retirement’ cheque,[link widoczny dla zalogowanych].
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Do you long to shine? To be the best you, you can be? Yes. Great let’s start discovering your possibilities.
Some people achieve great things in their life, why not you? And why not now? ~ Bruce Kidson
It’s not too late to discover your possibilities and then live the life you were born to live,[link widoczny dla zalogowanych].
Want to start a new religion The Hare Krishna was started in 1966 by A.C. Bhaktivedanta Swami Prabhupada who was aged 70 at that time.
Politics in the US the average age of a senator is 62 and over 80% have had previous career(s) outside of politics, some of the senators even having done time in jail.
Do you long to shine? To be the best you, you can be? Yes. Great let’s start discovering your possibilities.
Discover your possibilities and live the life you were born to live, got questions? Leave a comment below or come and say hi on Facebook.
Having discovered a possibility that interest you if your reaction is; ‘interesting,[link widoczny dla zalogowanych], or that sounds fun but impossible for me. ’ Ask ‘I know that’s impossible for me,[link widoczny dla zalogowanych], but if it wasn’t impossible, how would I do it? ’ Be playful and note your answers. Remember the brightest jewels diamonds are formed under great pressure. And so it is often with life, we get to shine the brightest when circumstances are the darkest.
Your wealth for life blogs are just a very small portion of guidance and help I can provide,[link widoczny dla zalogowanych], to give you a more satisfying life both now and in the future. To live the life you were born to live. Are you ready to move forward?
Want ideas? Another way of discovering your possibilities is to make a list of all the things that you enjoy doing and/or good at. Which gives you the greatest pleasure? Those too are possibilities.
All big things in this world are done by people who are naïve and have an idea that is obviously impossible ~ Frank Richards
Having discovered some possibilities you think you might have left it a little late. Late Bloomers show a huge number of people you didn’t achieve their success till later. Grandma Moses didn’t take up painting career, till she was in her 70’s.
Keep a list of all these possibilities that you have discovered. Ponder/contemplate/meditate on them.
By Bruce Kidson
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Start to explore the possibilities that you find most interesting. Ask yourself questions; the better the questions you ask yourself, the better answers you will get.
When you read about something, whether it’s kite surfing doing voluntary work with the VSO or starting a business or having a family and you think ‘that’s interesting’ then you have discovered another possibility for yourself.
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In February 2004 Derek Eastman and I were invited as guests at the annual dinner of The Bushido Za Zen International Society by its Chairman Mr Arnold Davies Hanshi an old student of Kenshiro Abbe Sensei and a close friend of my own good friend Bill Woods Sensei.

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Fresh,[link widoczny dla zalogowanych], raw fruit and vegetable juice is vital to maintaining good health and a quality juicer employs unique juice extraction methods to keep fresh the vital elements of fruit and vegetables.
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Obesity is epidemic across America. And are likely to spread more weight in the next decade this 20 minutes of extra time for the body to have more activities. Or walking 2000 steps per day is what we need to do to prevent weight gain.

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In February 2004 Derek Eastman and I were invited as guests at the annual dinner of The Bushido Za Zen International Society by its Chairman Mr Arnold Davies Hanshi an old student of Kenshiro Abbe Sensei and a close friend of my own good friend Bill Woods Sensei.

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Erase The Past
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Skin type
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What to Expect
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With the popularity of tattoos on the rise, tattoo removal is gaining momentum as well. More and more people who elected to get tattoos in the past are seeking out laser tattoo removal. It has been in the news that famous celebrities like Angelina Jolie and Nikki Reed are undergoing the removal process,[link widoczny dla zalogowanych], and if you are unhappy with the ink work you’ve had done too,[link widoczny dla zalogowanych], this procedure may be worth looking into. You don’t have to live in regret anymore- with the help of laser technology,[link widoczny dla zalogowanych], you can greatly reduce the appearance of your once “permanent” tattoo.
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Sometimes we make decisions we grow to regret. What seemed like a good idea at one point may be something you now wish you had never done. If you no longer want the tattoo you got in years past, ask a specialist about laser tattoo removal today. Anything can be undone- and hope is around the corner. Know that your removal process will be expensive and difficult,[link widoczny dla zalogowanych], but that it will erase the mistakes of your past and leave you with a beautiful,[link widoczny dla zalogowanych], fresh start.
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• Create a buzz to build anticipation. Think billboards with exciting imagery and a website address – it makes you curious, right?
• Use humor,[link widoczny dla zalogowanych].
• Apply examples or analogies.
• Create your own narrative.
• Address others’ concerns by connecting them with how your idea solves their problem,[link widoczny dla zalogowanych].
Get them to try it.
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Now that your audience has listened to and understands your idea,[link widoczny dla zalogowanych], it is important that you motivate them to try it out. One of the most effective ways to do this is to explain how your idea solves a problem they have. Incorporate logic into your discourse (such as historical data, sales averages,[link widoczny dla zalogowanych], calculated outcomes) to convince them your idea is worth it. Or,[link widoczny dla zalogowanych], appeal to their emotions by constructing a visualization that is personally relevant for them. Create a few powerful statements with logic and emotion that will open the door just enough to get the audience to see that they want to open it all the way.
Planning an effective persuasive strategy can be daunting; yet, with a few tips on how to do it, there is little reason why you can’t soon be on your way to winning the support, getting the “thumbs-up”, or whatever it is you need to move your ideas forward in your organization or with those whose support you seek.
Let’s take a more in-depth look at each step and how to incorporate it into your overall strategy.
In developing the strategy you will use to persuade others to agree with and support your ideas, it is important to understand not only to whom you will be talking but also how you will be communicating with them. Dedicating time to learn about your audience’s vocabulary, social norms, and presentation preferences – as well as your own communication style, personality traits, and speech habits – will help you avoid misinterpretation and ensure the best possible presentation of your ideas.
Once you have their attention, you need to ensure your listeners fully understand your idea. A tried-and-true technique to simplify your dialog is to use Somebody – Wanted – But – So, where Somebody is “Who will benefit?” Wanted is “Identify the need,” But is “What prevents the needs from being filled?” and So is “Your Idea,” or the solution to the problem. Check for areas where statements may need to be broken down into easier-to-digest components, but always aim to keep it simple to avoid confusion.
By Sylvia Henderson
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For example: “Dog owners wanted a better fastener for their dogs’ leashes. But the major pet companies say such a fastener costs too much to manufacture. So my idea of an ‘Easy-Slip Adjusta-Fastener©’ allows our small company to make one change in our machine process to inexpensively produce both standard fasteners and an ‘Adjusta-Fastener©’ to efficiently capture this additional dog-owner market.” (Idea = new product—Easy-Slip Adjusta-Fastener©)
Gaining others’ acceptance of your ideas can be difficult, and even downright frustrating without the proper approach. Why do you think so many companies look to a marketing or advertising agency to promote their products and services?
Get them to act on it. This is the most significant persuasive strategy, and can be the one that makes – or breaks – your idea success. To help propel your audience to action, you need to clearly explain what they have to gain and how many steps are required to attain the result. Secondly,[link widoczny dla zalogowanych], your listeners need to feel that you have invested your own resources and energy into the idea, especially if you are asking them to take the plunge with you. To get them to act on your idea,[link widoczny dla zalogowanych], your strategy may include one or two requests for people to take specific actions – using active and demonstrable verbs rather than those that encourage reflection or deliberation.
For example: “Entrepreneurs must weigh heavily the benefits of a new investment with the ROI (return on investment) they receive. You’ve invested your time and money in this networking event to learn how to display your marketing materials more effectively. Take this diagram and set up your vendor table next week the way I suggest in the diagram. See if your ‘engage’ rate improves,[link widoczny dla zalogowanych]. I’ll follow up with you next Friday to get your feedback and take your testimonials for fully marketing my model through your referrals.” (Idea = model for more-effective vendor table setup,[link widoczny dla zalogowanych].)
For example: “Pull out your mobile devices now. Purchase and download my mileage tracking application. It’s saved me hours of end-of-month accounting reconciliation time and effort in my own business. You will see that with four easy steps your month-end accounting for mileage and expenses will be reduced by hours, too. What’s that savings worth to you?”
• Listen to your idea.
• Understand your idea.
• Be willing to try your idea.
• Be ready to act on it.
Plot Your Persuasive Strategy
Now that you have a few techniques for how to create a persuasive strategy, make the time to apply one or more of them to your own ideas. It may take a significant planning investment on your part, but then again your idea is worth it, isn’t it?
Time is the most valuable currency. You need to know how to use your audience’s time wisely,[link widoczny dla zalogowanych], before you present to them, so that they will listen to you and commit themselves to your idea. Your first step to getting your audience to listen to your idea is to capture their attention. Several ways you can capture their attention are:
For example: “A more consistent social media strategy is like the sand dropping in an hourglass. Our messages will flow consistently and steadily until they reach a volume people will pay attention to.” (Idea = more consistent social media implementation,[link widoczny dla zalogowanych].)
Once you feel that you have a grasp of your own characteristics and those of your audience, you can apply four strategies of getting people to:
Get them to listen.
Get them to understand.
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Establishing one’s own data center is out of the scope of most of the organizations, it is only few large IT firms that can bear the costs involved in the erection,[link widoczny dla zalogowanych], operation and maintenance of a data center. Nowadays, even many large firms prefer to take data center services from a third party service provider or a data center firm due to the advantages involved in this option. These days, data center services are availed by many firms in order to provide web hosting services to their clients.
•Once a business has assigned its data to a third party service provider, the owner of that business gets relieved about the safety of data and thus he can better focus his attention on other matters of relevance in the business.
•Web hosting becomes a hassle free process with a data center,[link widoczny dla zalogowanych]. Such hosting ensures quickly loading and quickly responding sites and almost no system downtimes.
Data center is also known by other names like information center and computer center. It is an advanced facility that houses sophisticated computer systems, along with other associated equipment like telecommunication devices,[link widoczny dla zalogowanych], networking devices, and storage systems. The main functions of a data center include storage, management and distribution of data that are critical for an organization’s functioning.
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•A data center plays a leading role in protecting the critical business data against potential threats such as data theft, data corruption,[link widoczny dla zalogowanych], hacking,[link widoczny dla zalogowanych], malwares,[link widoczny dla zalogowanych], software/hardware failure,[link widoczny dla zalogowanych], fire,[link widoczny dla zalogowanych], and even calamities.
•The modern data centers ensure complete security of the client firm’s data by providing state-of-the-art infrastructure and advanced safety equipment. Also,[link widoczny dla zalogowanych], Microsoft Certified System Engineers (MCSEs) are employed by these computer centers to manage the servers; thus the chances of data mishandling are equal to naught.
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In the modern age, data centers have become almost indispensable for the smooth functioning of business organizations,[link widoczny dla zalogowanych], especially those organizations that are into IT and web-development. The total number of data centers in India is also increasing day by day due to the growing awareness of Indian firms about the importance of data center services and the resultant increase in the demand for these services. Today,[link widoczny dla zalogowanych], the data center India industry is a flourishing and constantly growing industry. Given under are some points to define the relevance of data center for modern organizations:
Author's Bio:
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And that's not all. With some of the best doctors on its panel armed with the latest technology,[link widoczny dla zalogowanych], Oyster and Pearl gives you the option of painless delivery by means of epidural analgesia,[link widoczny dla zalogowanych], interim pain relief medications and specific breathing techniques.This procedure ensures that you get to experience every aspect of motherhood without undergoing the stress and pain that accompanies it. Truly, a feeling you wouldn’t want to miss!
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Whether its normal pregnancy or a high-risk one,[link widoczny dla zalogowanych], Oyster and Pearl (ONP) ensures that you are well prepared emotionally as well as physically to meet pregnancy challenges with ease. Being a strong promoter of the natural delivery process,[link widoczny dla zalogowanych], Oyster and Pearl Hospital insists on couples attending their antenatal care classes and going for regular checkups,[link widoczny dla zalogowanych], ultrasound in the first semester and routine blood investigations. The pregnant women care hospital also offers an antenatal program, EXPECTATIONS to facilitate interaction on a regular basis with ONP obstetricians, pediatricians,[link widoczny dla zalogowanych], diet and exercise counselors, nursing staff and lactation consultants.
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Pregnancy can be a difficult time and extremely challenging too,[link widoczny dla zalogowanych], but only for those who do not have access to pregnant women care hospital like Oyster and Pearl.
ONP Tulip Hospital (A branch of Oyster & Pearl Hospitals) is everything an expecting mother would want it to be. Right from puberty to menopause and beyond, here's a healthcare facility that takes care of a woman in all important phases of her life. With highly trained staff at its helm, ONP Tulip Hospital offers world class gynecological and obstetric care to women.
Pregnancy can be challenging. But with an expert like Oyster and Pearl walking by your side, you can truly cherish this experience and actually celebrate womanhood every single day.
Being an expert in this field, Oyster and Pearl has the skills and expertise to handle the toughest of deliveries. Should a situation arise wherein Caesarean Delivery is unavoidable, the pregnant women care hospital makes every effort to ensure that you can still have a natural second delivery thereby busting the myth,[link widoczny dla zalogowanych], ‘Once a Caesarean, always a Caesarean’. Cord blood banking is yet another facility that Oyster and Pearl offers to secure your baby against lifestyle diseases that may develop later.
In case of a complicated or high risk pregnancy, Oyster and Pearl walks that extra mile to provide expert care and treatment thus minimizing risks associated with the pregnancy. Being apregnant women care hospital,[link widoczny dla zalogowanych], Oyster and Pearl covers every aspect of pregnancy both before and after. A state of the art pre-labor waiting area equipped with the latest technology, an international class labor room and Operation Theater,[link widoczny dla zalogowanych], comfortable waiting area for the husband or attendant,[link widoczny dla zalogowanych], a well-equipped neo-natal care unit and a well appointed post recovery area for patients after delivery are some of the many amenities you can look forward to at Oyster and Pearl.
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By Sarah Labdar
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For anyone who has tried to lose weight they know what it’s like to hit a plateau. A plateau is when you continue to exercise and diet at the same rate but the weight stops declining. It’s a horrible feeling to know that you worked so hard and watched your food intake,[link widoczny dla zalogowanych], and not to see the results on the scale. In most cases a plateau can be waited out and results will resume post haste. However,[link widoczny dla zalogowanych], for many dieters a plateau can be discouraging.
It’s normal for weight loss to slow or even stall. This occurs because as you exercise your metabolism slows. When you lose weight you lose both fat and lean tissue. Lean tissue or muscle stores glycogen,[link widoczny dla zalogowanych], a carbohydrate used for energy. So as you lose lean tissue you also lose energy, which causes the body’s metabolism to slow down and hold onto as much energy as possible.
Although, most people know about it they are surprised when the plateau occurs. When you hit a plateau during your weight loss program it is important to reassess your habits to overcome this obstacle. First thing once a plateau takes place,[link widoczny dla zalogowanych], don’t get discouraged. Evaluate your eating habits and workout schedule. Are you making sure that you are eating breakfast? Fruits and vegetables? Lean protein? Do you avoid processed carbohydrates and simple sugars such as soda, chips and white flour products? Are you exercising everyday and do you alternate cardio and weight training? Lastly are you consuming enough water? Dehydration can slow your metabolism and cause a plateau effect. A few slips here and there with diet or exercise won’t harm your overall goals. However if you continually are slacking on the number of days you workout,[link widoczny dla zalogowanych], the amount of time you workout or you are not following your diet guidelines as strictly as before, then there is no doubt why your weight loss has plateau. If after you evaluate your habits, diet and exercise programs and this doesn’t seem to be the cause then there are additional ways you can fire up your metabolism to boost your weight loss into high gear.
Increase your activity, not only in the gym but in your daily life as well. By adding 15-30 minutes onto your daily workout you can burn additional calories, which ultimately leads to decreased weight. Also, increase the intensity of your workouts if possible. By adding more weight or making the exercises more difficult by using an unstable surface you can increase your workout intensity. If you can’t make your workouts longer or more intense,[link widoczny dla zalogowanych], you can decrease your daily calorie intake.
A good number to decrease your calories by is 200 a day,[link widoczny dla zalogowanych]. You can decrease the total by more as long as you don’t go below 1200 because this is the lowest number of calories that the body can maintain essential body functions. Another option for your caloric intake rather than decreasing the total number of calories is to keep the same total number of calories per week but vary your daily intake. This causes your metabolism to jump-start but also doesn’t allow it to slow down because it has to change based on the daily amount consumed,[link widoczny dla zalogowanych].
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In February 2004 Derek Eastman and I were invited as guests at the annual dinner of The Bushido Za Zen International Society by its Chairman Mr Arnold Davies Hanshi an old student of Kenshiro Abbe Sensei and a close friend of my own good friend Bill Woods Sensei.

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- there are strategies that can use the rules and loopholes available to families that can lower what they are expected to pay if they are implemented. (just like a good tax accountant or tax attorney can develop a plan for you to lower your tax bill)
No do-overs.
Most never realize it — what they don’t know is hurting their wallets and their budget. They’re borrowing more money than they have to, they’re doing without a vacation or that new car they really need.
They corrected those mistakes on the 2nd year paperwork: What they were expected to pay sophomore year came out to $8,[link widoczny dla zalogowanych],500 LESS than what they had been told they should pay for freshman year.
But here is where taxes and financial aid differ: if you make a mistake, there’s NO Do-Over!
Jack* and his family learned this first hand. When Jack was a junior, they thought about getting help with the college selection, application and financing process. They knew there were things about it they didn’t know. But, they decided they could figure it out on their own since getting help would’ve cost them some money up front.
Maybe. But I wouldn’t count on it. You see,[link widoczny dla zalogowanych], there is no requirement for the college give you financial aid. And, once you’re committed to the college, they have even less motivation to help you (because you’re a “done deal” — you’re coming).
Every year thousands of families make mistakes that end up with them losing out on THOUSANDS of dollars in scholarships and financial aid,[link widoczny dla zalogowanych]. They are paying more for college than is absolutely necessary.
Now,[link widoczny dla zalogowanych], the good news when it comes to taxes, there is a possibility of a “do-over”. AND, college scholarships and financial aid are a lot like taxes in the following ways:
Guess how much more in financial aid they were offered for Jack’s sophomore year. Zip. Nada,[link widoczny dla zalogowanych]. Nothing. They got the same amount of financial aid sophomore year as freshman year. The college was willing to bet he wouldn’t leave (and he wasn’t a strong enough student to motivate them to want to help him to stay).
- there’s a form to file (just like taxes)
Unfortunately,[link widoczny dla zalogowanych], there’s no do-over.
But, let’s say, you make a huge mistake the first year and you find that mistake the second year. You can’t get a “do over” for the first year. Unlike taxes where you can file a corrected tax return and get money back, with college financial aid, you can’t file an amended form and say “Hey, Cost-a-lotta U., we made a mistake. We paid $7,000 more than we should have, can we get it back?” (well you could file the amended form but the college won’t give you money back).
You see, all too often, the college is willing to bet you’ll be coming back no matter what — after all, where would you go? You already have one year invested,[link widoczny dla zalogowanych], you don’t yet have a degree so they’re willing to take the risk that you might leave because the odds are better that you’ll stay.
Now you’re thinking — “Well at least if I find it the second year,[link widoczny dla zalogowanych], then I can save that $7,000 for the second year, right.”
They had made an $8,500 mistake freshman year.
- there is a formula based on income and assets for calculating how much you’re expected to pay towards college (just like a formula is applied to your income to determine your tax bill)
Fast forward to the end of Jack’s freshman year, they were looking for help with a “do-over”. Jack had just completed his freshman year and his parents now had $26,000 in loans that made it happen. And they were looking for help because they couldn’t do it again for his sophomore year. Jack and his family had made a lot of mistakes in their self-created college plan — he didn’t make the strongest case for himself,[link widoczny dla zalogowanych], his parents let him accept an offer from a college that was lousy with financial aid and they got even less financial aid than they should have (from a school that was already not the best when it came to financial aid) because they had made at least 7 mistakes in completing their financial aid paperwork.
- there are rules and loopholes that govern that formula (just like on your taxes there’s deductions and exemptions)
You cannot wait until the last minute or try to get help AFTER you’ve made mistakes. There’s little that can be done at that point.
Sure it would’ve cost them some money up front. But let’s just look at the $8,500 (never mind the additional monies in scholarship, etc.). After deducting what it cost to get the help to avoid that mistake in the first place, they still would’ve had AT LEAST $26,[link widoczny dla zalogowanych],800 more in their pocket at the end of four years. That would’ve been $26,800 that would not have been borrowed; or could’ve been invested in their retirement fund; or been invested in Jake’s brother’s college fund. There was a lot of ways they could’ve used that money.
Or their student is wracking up so much debt they’ll likely never pay it off and they’ll never get out from under it (student loan debt cannot be discharged in a bankruptcy). It’s not a pretty picture.
By Jeanmarie Keller
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Author's Bio:&nbsp,[link widoczny dla zalogowanych];
The trick is not making the mistakes in the first place. After you commit to a college, you lose any leverage, negotiating-power — whatever you want to call it. Before you commit to one particular school is when you have the greatest leverage with a college (unless you make other mistakes but that’s for another time). You must be proactive if you want the best results possible.
- you have to file the form every year your student is in college (just like you file your tax return,[link widoczny dla zalogowanych], every year)
They were penny-wise and dollar foolish.
The commercials give examples of folks who “thought they could do it themselves” or who got help from the wrong people (their brother, the “professional” who focuses on everything and therefore specializes in nothing, etc.) — and it ultimately ended up with them losing out on THOUSANDS of dollars. Essentially they ended up paying the government more in taxes than was absolutely necessary.
Now, what if they had invested in that money up front? Well, the $8,500 mistake they had made freshman year would not have been made. Additional colleges that would’ve offered more financial aid would’ve been recommended. Jack would’ve made a greater impression in the admissions office so the college was motivated to give him the best offer possible in order to entice him to come to their campus. It might have been possible to negotiate with the colleges to get a better deal.
You know, where you can bring in your former tax returns and they’ll give them a “second look”?
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In February 2004 Derek Eastman and I were invited as guests at the annual dinner of The Bushido Za Zen International Society by its Chairman Mr Arnold Davies Hanshi an old student of Kenshiro Abbe Sensei and a close friend of my own good friend Bill Woods Sensei.