Equity home loans

By Carrie Reeder

With a good credit rating, you can eliminate high interest debts with a low rate home equity loan. Borrowing up to 25% of the value of your home, you don’t have to have equity to qualify for a second mortgage. With low rates, you can cut your payments as much as two thirds.

Advantages Of A 125% Home Equity Loan

The prime advantage of a 125% home equity loan is that you can secure lower rates than what you are paying now on your short term loans. In reality, you aren’t increasing your debt. Rather you are trading one rate for another.

With lower rates, you payments immediately shrink. You also have the option with a home equity loan to keep the same payment, but take fewer years to pay off your debt, saving you even more in interest charges.

Financial companies are willing to lend to you based on your credit history along with the expectation of increasing property values. Both you and your lender are banking on your home appreciating.

125% home equity loans are for those who plan to stay in their home for several years, or at least until their property value increases significantly. Consolidating your debts with a home equity loan maximizes your term choices. So loans can be for five to thirty years, affecting payment and interest size.

Look For The Best Loan Rates

Take the time to look for the best loan rate before signing any loan contract. Many financial companies now offer 125% home equity loans, so you should have no problem finding loan quotes online.

Compare closing costs is as important as rates, since this can be a hidden expense. By looking at the APR, which calculates both closing costs and interest, you can find who has the cheapest loan overall. Your terms will also affect your rates. The shorter the loan, the lower the rate.

When you have found the right loan, start the application process immediately to secure quoted rates. With online applications, you will receive final paperwork in days. Then, you can have your debts paid off in just a couple of weeks.

About the Author: Visit www.abcloanguide.com to find a list of reputable online lenders for 125% home equity loans. Also, view our recommended lenders for lowest interest rate home refinance lenders online.

Source: www.isnare.com

New Web Site Urges Teens to Step "Out of the Silence"

Out of the Silence, a new web-based non-profit organization (http://stepoutofthesilence.org/) that aims to offer a safe venue in which young people with mental health problems can express their emotions through artwork, prose, poetry, photography, and graphic art, will be launched on September 9 to coincide with National Suicide Prevention Week. The initiative and web site was created by 16-year-old Caitlin Carey of New Jersey to assist teens dealing with mental health problems but who feel they have no place to express their thoughts and feelings.

"It's no secret that thousands of teens today suffer in silence, not knowing where they can voice their concerns and experiences with mental illness," said Caitlin Carey, founder of the project. "Young people tend to rely on their peers for support in everyday situations. However, the stigma attached to mental illness makes it difficult to reach out to friends; so many teenagers who are trying to cope with an illness such as depression or anxiety feel isolated."

Carey, who has struggled with obsessive-compulsive disorder for nearly a decade, added, "I felt like I was the only girl in the world who experienced these horrible emotions and isolation. No one should have to feel the way I did."

Carey's hope is that Out of the Silence will provide a community of advocates for teenagers dealing with mental illness. She plans to eventually hold empowering events such as sponsored writing and art contests.

"While there are many networking opportunities available for adults with mental health disorders, there are very few resources that are targeted and accessible to young people who are suffering," added Carey. "I felt the time was right for me and my peers to become more vocal and proactive in the fight against the stigma associated with mental illness. Our voice has to count."

"Caitlin Carey's commitment to fighting the stigma surrounding mental health issues is truly remarkable. Her courageous efforts will no doubt help countless teens and young adults navigate the many challenges of living with mental illness," said Jeff Bell, author of Rewind, Replay, Repeat: A Memoir of Obsessive-Compulsive Disorder and advocate for mental health. "The mental health community is most fortunate to have Caitlin join its ranks."

To learn more about the web site and Caitlin, visit us at http://stepoutofthesilence.org/

Free DogTalk screensavers.

(PRWEB) January 31, 2006 -- Each month individuals dowload hundreds of thousands of free screensavers. Dog screensavers as a topic of interest have proven very popular. Dog owners are now taking a look at the funny side of dog behavior. "Dog Talk" differs from other dog screensavers in that it has unique dog recipes to go along with funny pictures and captions. The screensaver has a soothing blend of music and natural sounds to create a feeling of serenity.

The concept of the project is to enrich the lives of dogs and pet owners alike. Such an approach allows dog owners to quickly gain pet health knowledge with no special effort. Screensavers on a home or office computer are a perfect means to run a ”health and recipe tip” information resource. For A limited number of individuals the free version can be upgraded to an deluxe version complete with accompanying "Dog Health" ebook, Pet Medical Recorder Software, and many more recipes.

Common Things Dogs Do That Would Be Funny Or Dangerous If Done By A Human:

1. Sniff Inappropriately By: Placing your nose as close as you can to the other dog's rear end and inhale deeply, repeat several times, or until your person makes you stop.
2. Drool: When a person has food and you don't. To do this properly you must sit as close as you can and look sad and let the drool fall to the floor, or better yet, on their laps.
3. Raid Your Neighbor's Garbage Can: You must try to push the lid off with your nose. If you do it right you are rewarded with margarine wrappers to shred, beef bones to consume and moldy crusts of bread.
4. Steal Underwear: Steal your wife or husbands underwear and dance all over the neighborhood waving them.
5. Drop Soggy Tennis Balls in the underwear of someone who is sitting on the toilet.
6. Bite The Police Officer's Hand when he reaches in for your owner's driver's license and car registration.

As caretakers of dogs, we must perform many tasks often related to feeding, bathing, training, and health. We are expected to understand the diet of our pets and to be veterinarians, psychologist, and psychic in the pursuit of balance. You can often hear people using words like jealous and angry to describe the emotion of dogs. The reality is that canine behavior is complex and thus funny when we parallel our own thoughts.

How often have we heard comments like, “That dog just loves to please me.” Well, if a dog is trying to please it's owner, you can bet that there is a reason. Similarly, for dogs that do not “try to please,” you can bet that again there is a reason. The problem with attributing human characteristics to dogs is that it most often leads to misunderstanding the situation.

Dogs have feelings and emotions that are in many ways similar to those experienced by humans. Their reactions can sometimes even seem similar to those of humans. For example if a dog feels unloved they become depressed and express happiness when a member of the family returns home. They also become frightened when they feel threatened and seem to genuinely enjoy playing and having a good time.

What follows is the most important key to all good dog training: find out what motivates your dog. At its most basic level, good dog training involves finding what amounts to the most meaningful reward to your pooch. The motivating reward for dogs can be food, toys, affection, food, etc. By rewarding dog owners through humor, "Dog Talk" screensaver and How To Keep Your Dog Healthy provide fun , amusement and a wealth of knowledge for the entire family.

For additional information on dog screensavers and dog health that is the subject of this release (or for a down loadable sample), contact Winfred Jennings or visit
http://www.advancesinhealth.com/Ebook-And-Screensaver.html. "Dog Talk" has been released in Screensaver Format for immediate download.

Contact:
Winfred Jennings, Author Dog Talk Screensaver And How To Keep Your Pet Healthy 859-514-6697
http://www.advancesinhealth.com/Ebook-And-Screensaver.html

Troubled Teen Rehabilitation Success Enhanced by Outdoor activity

Troy, MT (PRWEB) June 6, 2007 -- Students at Turning Winds Academic Institute (www.turningwinds.com), a therapeutic program in northwestern Montana, will be leaving at the end of June for a five-day backpacking trip in the Selkirk Mountains. The integration of such outdoor activities with family-inclusive therapeutic techniques has enabled Turning Winds to achieve a 93% success rate with teens who complete their 12-month program.

The Selkirk Mountains are a 326-mile range originating in Idaho and Washington. During the five-day trip, the Turning Winds students will be hiking eight to ten miles per day and working on therapeutic assignments.

In preparation for the trip, students will spend time during June practicing and learning wilderness skills, including:

• Self care: first aid, foot care, etc.
• "Leave no trace": leaving the wilderness in better condition than before your visit
• Environmental hazards: proper responses to predators, storms, flash floods, etc.
• Equipment care: setting up tents, adjusting backpacks, cooking camp food, etc.
• Leadership skills: each day, one student is leader of the day and ensures that everyone is doing well and carrying out tasks on schedule

The backpacking trip will provide students with an important opportunity to apply practical life and leadership skills to real-world scenarios.

Turning Winds Academic Institute is an accredited therapeutic boarding school located on a 150-acre property near Troy, Montana. On average, Turning Winds' graduating students place above 70% of all graduating high school students. In addition, 93% of students who finish the 12-month Turning Winds program do not revert to the damaging lifestyle that prompted their enrollment.

Turning Winds Academic Institute (www.turningwinds.com) is a division of Family Solutions Network, Inc. They can be contacted by phone at 1-800-845-1380 or by email at info @ fsni.org.

MySpace Music code.

By David Maillie

We see it on TV everyday. On CNN, NBC, every news channel, even on Martha Stewarts show -yes, she is on Myspace also. Hundreds of thousands of bands from Kid Rock and Uncle Cracker to 50 Cent, Jessica Simpson, etc... all have their own Myspace pages. Myspace has grown in the past 2-3 years to over 66 million users and is growing at a rate of 2-10K per hour and several million per month. There are now more people on Myspace then there are searches per day on Google - the largest internet search engine. Comedian Dane Cook has over 900,000 friends on Myspace now and it helped promote him from nothing to on Saturday Night Live and a nationwide tour under his name with many top comedians. Myspace doesn't charge a penny and doesn't bombard you with ads like other free services in the paste (Kazaa, ICQ, etc...). You can advertise for free, start a blog, start a romance, build friends, network, etc... With over 65 million users the possibilities are endless. Its also very easy to use - It doesn't take a manual or a learning timeframe like AOL in the past. This free service has attracted bands in droves. There are over 100,000 bands, artists and similar on Myspace with pages showing tour schedules, factoids, etc... Many of these bands are using Myspace for free publicity and to grow their fanbase and popularity. They can release videos, excerpts, free songs, etc... It all works - just look at some of the bands and their numbers of page views and friends - Jessica Simpson has over 200,000 friends - that is over 200,000 people that get free updates and info from Jessica. Relatively unknown websites and artists can now get free publicity and get heard. To test this we started a Myspace page 1 week ago and today have over 1,000 page views and over 700 friends. We receive over 70 bulletins per day with announcements on everything from band tour dates to concerts, special invites, offer for a date, business websites, etc... The majority of users are teens and young (under 38) adults. It seems this age group has grown tired of VH1 and MTV reality shows and the lack of music and information that is tailored to their desires. This is what Myspace provides. You control who is in your network and what information, music videos, news, etc... you receive and subscribe to. Myspace is the next AOL, and the sky is the limit. It is rumored that a lot of programming will soon be live off websites like Myspace. Maybe Myspace will become like XM radio - no or little commercials, choose your own programming 24 hours a day. No need to pay for cable TV, or movies. You will just pay a flat monthly fee. What ever Myspace's future holds, it is sure to change TV, radio, and our world or our space for ever. It certainly had a profound effect on Dane Cook and his future is looking brighter and brighter. Myspace has left its mark and is here to stay.

Article Source: www.ArticlesBase.com

Important Advice For Domain Owners Hoping To Resell Their Domain Names

By Edwin John

Have you ever wondered how successful domain speculators sell their domain names?

I recently interviewed some big names to learn their secrets. Due to the length of the discussion I have had to break up the entire conversation to several segments.

We begin our exclusive 6 part interview series with the following question.

"What is the most important advice you would give to new domain owners hoping to resell their domain names?"

Our panel includes:

Michael Collins (VP Marketing, Afternic.com),
Zane Lawhorn (President, 1 Domains International, Inc),
Michelle Miller (COO BuyDomains.com)
Daniel Mejia (DomainsBot.com)
Stewart Reynolds (EchoArts.com)
Joe Devlin (ToGoDotCom.com)
Robert S. Kieren (NameProdigy.com)
DomainSpa.com
Andrew Allemann (WebMasterExpert.com)
William J. Piniarski (Owner of Webcs.com,Time2Sell.com)
Michael Green (Marketing Guru & Founder, HowToCorp.com)

Joe Devlin: Do your homework. Know what makes a domain name valuable and have a plan before you register a domain. A domain name is in essence a business card to the world. Match the message a domain name can send with a business that needs to send that message and you have created value.

Andrew Allemann: Don't buy too many domains before you sell one or two. You may not be buying quality domains and may never sell them.

Stewart Reynolds: Have your domain names appraised to find out which names are the most valuable. Then have the most valuable domain names pointed to a page where prospective buyers can contact you. On that page post your asking price and request offers.

Michael Collins: I guess it would seem self-serving to say list them at Afternic, but letting people know your domains are for sale is the first step. There are many ways to promote your domain for sale. Listing them on leading domain name exchanges and putting a for-sale notice on a website hosted on your name are among the best. Set a reasonable price. The biggest mistake I see is overpricing. There are many people who think their two and three word generic domains with limited market size are worth tens of thousands of dollars. If you do not have successful experience selling names, consider a reputable appraisal service. You have to be careful with appraisals too. Many appraisals are inflated to entice people into marketing relationships.

Michelle Miller: Price the name realistically and use a trusted broker BuyDomains.com offers a 100% FREE listing service that allows anyone to post their domain for sale. Our site gets over 50 million hits a month, instantly giving individuals the opportunity to gain free exposure and sell their name.

About the Author: Edwin John is an author and webdeveloper His ebook "How I Sell My Domain Names" ranks #1 on Yahoo and Clickbank. http://www.OpenForSale.com Find out if your domain name is wanted: http://www.DNames.org Free domain name tools http://www.DomainName-Search.com Would you like to know more of what these experts say. Visit: http://www.OpenForSale.com

Source: www.isnare.com

What is Mesothelioma?

By Timothy Rea

If your doctor has told you that you have mesothelioma, you may still have a lot of basic questions about the disease.

If you or a loved one has recently been diagnosed with mesothelioma, you probably have many questions. One of the most basic questions asked by patients and their families is “What is Mesothelioma and how did I get it?”

There has been a lot of coverage in the press about this disease and you may already have a lot of information about Mesothelioma from your doctor.

Our purpose is to offer what we hope is a simple explanation and define some terms you will hear when you are talking to you doctor, so that you and your family can have a solid understanding of the disease.

Before you can understand Mesothelioma, you have to understand asbestos (the substance that causes Mesothelioma). Asbestos is actually just a commercial name for a naturally occurring mineral.

Asbestos is a fibrous silicate that was commonly used in insulation and construction materials, as well as electrical insulation, fireproofing materials, roofing, and filters, because it offered high heat resistance. This mineral was also used to make automobile brakes at one time.

If you or a loved one worked for a company that made asbestos-containing products, or if you lived or live in a house that still has asbestos insulation, that is probably the source of your illness. The U.S. government has since regulated the amount of asbestos that can be used in any product and how and where these products can be used or installed.

Because asbestos is so fibrous, tiny threadlike fibers can circulate in the air and water within or around a house or business containing asbestos materials.

Therein lies the problem!

With prolonged exposure to asbestos you can sustain gradual but serious damage to your lungs.

The medical term ‘mesothelioma’ relates to the area of your body that is affected by the asbestos fibers when you inhale them. The ‘mesothelium’ is a two-layered membrane that protects most of your internal organs. One of these layers envelopes the organ, and the other layer forms a sac around the organ and the first layer to protect it even further. In between these two layers is a volume of fluid that lubricates everything, and allows flexible movement so that the heart can beat and the lungs can expand and contract without rubbing against other structures in your body.

The ‘peritoneal’ mesothelium covers the abdominal cavity, and the ‘pleural’ mesothelium covers and protects the lungs and the chest cavity, whereas the ‘pericardial’ mesothelium protects the heart. When you inhale asbestos into your lungs, the cells around these inhaled fibers become abnormal or cancerous. And these rogue cells damage the tissue and the organs near the site of invasion. Because asbestos is inhaled, most cases of mesothelioma start in the pleural or the peritoneal mesothelium (because they are the closest to the lungs).

The three most common diseases caused by asbestos are ‘asbestosis’ (a non-cancerous form of lung disease), lung cancer and mesothelioma (a cancer that starts within the layers of the mesothelium). The symptoms of mesothelioma do not appear for years after exposure (sometimes as long as 50 years later), and may begin as shortness of breath or pain in the chest. These symptoms come from a build-up of fluid in the pleural cavity. If the disease is in the peritoneal mesothelium, your symptoms may start as weight loss and abdominal pain as your abdomen fills with fluid.

To diagnose mesothelioma, your doctor will look for a history of exposure to asbestos at work or at home and he will perform a physical, including x-rays and possibly a lung function test. He may order a CT (CAT) scan or MRI to get more information. Ultimately, your doctor will need to take a biopsy to positively confirm that mesothelioma is present. A surgeon will remove a small sample of tissue from your body so that it can be tested and examined for disease.

If you have mesothelioma, your doctor will try to figure out what ‘stage’ the disease is in – in other words, how long have you had the disease – so he can determine how best to treat the disease. Treatments include surgery, radiation therapy or chemotherapy or a combination of these treatments. Your doctor will talk to you about the possible tests for mesothelioma, your specific test results and his treatment recommendations.

Article Source: www.ArticlesBase.com