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In which does cash come from

Did us recognize which as the entire revenue provide rises, the amount of money per capita simultaneously lessens? How could certainly that be one would say? That's a contradiction inside itself. In fact if you {think about it's not. It is actually just a paradox that will become the primary focus of the story. Keep in mind, if perhaps private banks did not currently have the actual power that would make funds and even selected representatives did, you will never be going from many of these types of terrible conditions in the economy at the entire present time.First off let's begin setting up this particular illustration. Initial off, you need to learn which throughout a good financial mechanism the particular total amount of money throughout the body will rise simultaneously with Gross Domestic Product in addition to human population expansion. In the event that revenue supply is extended at a speed quicker compared to GDP, we currently have excess capital inside the entire economy and even then the entire marketplace as expected reacts by raising bills on every goods and even services! Any kind of time Gross Residential Product grows at a pace greater than the cash supply, right now there will become a lack of brand raw money and additionally society experiences deflation. As soon as again, simply to assist keep everything easy, lets suppose which for our example we've got 5 individuals inside the little bit marketplace. There typically is $10.00 inside the money provide today, $9 typically is loan cash, meaning 90% of the whole funds provide with regard to this particular example is actually debt money. In reality the actual number typically is around 95%, unfortunately this really is just an easy illustration. In addition for this, there is additionally $14 with regard to great debt, meaning which the $9 within the economy and the total interest will equal $14 for this example.Thus, let's take a second in order to check out all the the difficulties some of us have about at this point. Bear within mind, this particular is only the particular setup of this illustration, a great actual presentation on how it operates has definitely not been shown still. Some of us at present recognize that to be able for society to be able to function the actual revenue provide demands to heighten at a rate proportional to be able to Gross Residential Product. Still, there's absolutely a problem within our very own illustration. $9 typically is loan cash, meaning that because people pay off the entire loan, the entire capital is acquiring ruined! Just like capital can easily be made out of air, now could it be destroyed. What does this imply? That would confirm which the economy in order to function, extra debt may need to be created that would keep at par alongside GDP!Problem amount 2, indeed there is $10 throughout the revenue provide total for the example, yet $14 will be necessary to repay. This particular signifies that throughout the event which just about everyone throughout the example were in order to repay their debt it wouldn't even be probable. This produces a few of difficulties. Initial, we now require a particular exponentionally growing injection of financing into the entire marketplace. Second, it's a logical proven truth that a certain wide range of people within this type dollars program aren't going that would pay off their bills, resulting in foreclosures, poverty, and overall despair.Now to the actual functioning illustration. Let's state for example one company owner for the 5 people in this example chooses that would take out a $1.00 loan. He spends the entire funds into the actual economy in order to help boost the company. After a very few months he finally ends upwards generating $1.50. The business man owes the actual bank the particular $1.00 which he received and interest, let's state 25%. Therefore, this particular individual owes the particular bank a total of $1.25 not to mention he pockets $0.25 because profit. Due to the fact that this particular is the particular many important element of the report, listen upwards. Precisely what took spot typically is the entire bank got $0.25 in interest, having said that the entire loan provider never built this interest. The particular financial organization just creates the actual principal and / or capital part for the loan, and even definitely not the interest! This really is the reason why the society has a particular ever growing absence within the complete amount of capital people can compete for within the money supply!So presently let's see at this additionally more. We all started out alongside $10.00 within the market, and in addition $14 in complete great credit debt. As soon as $1.00 loan was in fact approved we had $11 within the money supply, and also $15.25 inside outstanding debt. Let's suppose no additional people repaid any of their debt alternative than the company man, you presently possess $10.25 in our funds provide ($10 and the $0.25 the company man made), $14 with regard to outstanding credit debt, and then the lender at present has $0.25. Observe just how the banks profit has certainly not been incorporated because part for the funds supply. This particular is due to the fact that almost all of their earnings are not prepared meant for people to compete for. Rather, most of this $.25 earnings is going to be redistributed within the form of an financing, consequently compounding the actual problem. Remember, financial institutions just create the particular principal, definitely not the interest. The $.25 profit the actual bank reloans is within truth debt funds being recycled alongside more interest.So, just how can this particular piece of the banking body be fixed? It's easier mentioned compared to performed. Really, the entire Chief Executive has got to nationalize and / or take over the Provided / central banking mechanism. By doing this, the actual money provide plus the funds creation process is back in elected officials ownership, quite than sadistic bankers. At which point, the entire treasury not to mention not the actual Fed could create it's own funds instead of taking out financing alongside interest within the Provided. Almost all of the interest recovered is actually now confident in order to be distributed or alternatively invested into the actual marketplace, keeping the particular funds supply at par alongside total economic growth. Greater still, the particular government will choose to make every loans that you can buy at no interest! Greater yet, the actual government will choose to inject cash into the particular marketplace throughout the form of give cash vs loans, allowing the particular cash that would move permanently! The entire possibilities are generally endless should you have a truthful monetary body!In the event you feel this factor of the funds system typically is messed upwards only hold about a sec., this particular really is actually only the entire starting! To be able for the particular dollar to be able to survive, some other petro producing countries come with to sell their oil with regard to dollars, otherwise the entire value of our very own dollar collapses! Our very own monetary body typically is dependent about something known as the particular petro dollar recycling system. Over that, as reported above, our cash mechanism isn't within the control for the countrys elected representatives. This would mean private bankers include stolen the actual correct to be able to create money at a pace not proportional with economic growth plus con the entire market. This particular is also known as fractional reserve banking, then the own founding fathers refered that would it because counterfeiting!

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Horrific Stories of The Infamous Ouija Board

Thanks to Parker Brothers(game company), many young people have dabbled in the paranormal
and have experienced frightening results. Remember being a teenager and the mention of the
Ouija board provoked your curiosity. There is not much talk about the Ouija board today, but
I will never forget the stories of sheer terror, my friends shared with me as a result of using the
infamous Ouija board. Stories I have kept to myself, until now are revealed in this creepy
dark article.

I was watching Unexplained Mysteries late one night and the narrator was talking about the
movie, "The Entity". The Entity(1981 horror movie) is a movie about paranormal phenomenon,
where alleged victim Carla Moran(fictional character) was attacked by a number of unseen forces.
The Unexplained Mysteries show delved into what took place in the home of this woman, who
claimed she was being attacked by mad crazed ghosts. Pictures were shown on the show where
spherical orbs were flying around the room and I noticed something in the pictures, that was not
discussed on the show!

Normally, Unexplained Mysteries does not miss a detail as crucial to a case, as this one! I am very
skeptical about these shows, but yet the pictures had some convincing photography. What caught
my eye and you could barely see the image in the bottom of the picture, was a Ouija board!
You actually see a part of the board in the photograph! How in the world could this slip the eyes
of the staff at Unexplained Mysteries! I've studied photographs of so-called paranormal phenomenon
and the ghostly pictures on the show, were the best I have seen yet.

The paranormal investigators were focused on the spherical orbs darting around the room, as the
woman held the deadly Ouija board on her lap. Fortunately, they did show a picture of the woman
with a deadly Ouija board, that proved she was not just laying around in bed and then being attacked
by angry ghosts. This woman was playing with fire and bringing paranormal investigators in to see
some out of this world ghostly activity.

I think it is hilarious for people to say there is violent paranormal activity in their house and overlook
the fact, they were reaching out to the dead through a Ouija board! Even in the movie "The Exorcist",
a young girl is using a Ouija board and her mother never attributes an entity attacking her daughter,
as a result of playing with the Ouija board. The response to such ghostly attacks is cute little innocent
Regan(Exorcist girl) was sensitive to the spirit realm.

The lady who was photographed with orbs flying around the room was looked at, as paranormally
sensitive to the unseen. What makes my head spin with green pea soup vomiting from my earthly
soul, is no one has brought up the possibilities of the Ouija board opening doors to such violent
ghostly chaos. In the above instances of violent insane paranormal activity, no one ever mentions
or associates the Ouija board as being apart of the horrific equation.

I will never forget my relative Lance sharing with me his experience with a Ouija board. He stated that he
got in touch with a spirit, who was in hell and he use to be an Egyptian king. Another friend said he tried
to get rid of his Ouija board and it kept showing up in his bed room. Late one night, he took the Ouija
board and built a roaring fire in his backyard. He was told the only way to be rid of the board, was to burn
it! He threw the Ouija board into the fire and he said blood-curdling screams came forth from the board, as it was burning. Keep in mind, I was told all of these stories in the mid-1980's when most of my
friends were using Ouija boards.

One girl was having a sleep over with a friend and they pulled out the Ouija board for some cheap thrills. The girls asked where this spirit was, they were conversing with and were stunned by the answer! The spirit told the girls it was in the front yard up in a tree with white hair and bright red eyes. The girls almost had a heart attack and they did not look out the window late at night to verify the spirit's statement. This story was well-known throughout my high school back then and I was friends with one of the girls who lived in the house, but never questioned her about this creepy night with the Ouija board. As far as I know, they never touched the ouija board again!

My friend Bryan told me the scariest Ouija board story of them all! Bryan was addicted to the Ouija board and he tried to stop using it by hiding it in his closet. He said a violent force was speaking to him and telling him to bring the board out of the closet. He said this voice tormented him everyday and would not leave him alone. Being threatened by the board he would not speak any further about the subject. I do not know how he got rid of it or how he is doing mentally today. I have heard nothing but creepy and horrific stories about the Ouija board, which makes me believe there may be some truth to these eerie Ouija board stories.

Best Secrets For Dating After 50

Have you ever seen women in their 50's who discovered the love of their life and wondered how this was done? Here's the little known, closely kept secret that could change your life. (It's easier than you think when you know this secret).

You must have noticed that some women keep ending up with the wrong guy, and seem to keep repeating the same mistakes? One thing for sure, it does not have to stay this way. There are ways to get what you deserve and find genuine love and happiness.

It took a long time, but your kids are grown (more or less!), and you have some time for yourself, you can think about dating after 50. Or 40, or 45! Dating after 50 is much different and very often, far better than when you were young and naive.

Now that you have matured, so have your expectations and hopes. You realize that one person can never fulfill all your dreams and longings. Now you know that you are responsible for your own happiness and personal development. If dating after 50 is going to happen, you have to take some kind of action, even if it is in baby steps, you have to get moving. Nothing happens until something moves.

It is always fascinating to hear how people meet. Some people seem to have met by destiny, others met totally randomly. Then again, others were actively searching and still others were caught by surprise! C'est la vie! When you consider all the people in the world, you should be able to meet that special person who is your soul mate; and you can and will, if you truly believe you will.

Secrets for dating after 50

Take care of yourself. Do what it takes to get in shape and stay that way. This will give you more energy and make you feel vibrant and alive!
Pay attention to your appearance. You don't need to overdo it so you look like an advertisement, but put some style in your wardrobe and appearance. Overly casual and frumpy are not very appealing.
Cultivate your interests. Take a class at the community college. Study Spanish in Peru for 2 weeks. Go deep sea fishing. Take a backpacking trip in the mountains. Learn to scuba dive, etc. etc.
Learn to dance. This is probably the best secret to meeting a partner. Dancing is such an intimate thing, you just have to tune into your partner.
Basically, just get out and be active. go for walks, go to movies, plays, concerts, make yourself get out and do things.
Stay informed about current events, news, sports, or whatever interests you. You want to be a great conversationalist and interesting to be with. You don't want to be boring.

Secrets for meeting people for dating after 50

Dances are one of the best secrets for meeting desirable single people. Most dances are full of people just like you, and it is wholesome fun and exercise. Some of the best dances to attend are contradances, swing, and salsa dances.
Churches are excellent places to meet people. Not that you are going to be dancing in the aisle or anything, but seriously, you can find some wonderful people who have a good heart and soul.
Volunteer groups, conservation clubs, hiking groups and so one are excellent places to meet quality people. Working on volunteer programs is good anyway!
Dance lessons are fantastic for meeting your soul mate. Probably half the people taking dance classes are single, and looking. Dancing is special in that you connect so closely with your partner.
Music jams. If you love music you can meet some interesting and available people at jams. For some reason, acoustic music jams seem to be the best. You can also usually just come to hang out and socialize, great fun as well.

Using dating services?
Regardless of how unique you are, you can find a dating service that fits your needs perfectly. Some sites cater to Chinese speakers, Christians, sports enthusiasts, etc. For dating after 50 though, eHarmony is the best.

Why does eHarmony work so well? By the time you get to be 50, you probably know who you are and what you want. With the eHarmony method of creating your profile, your matches fit very well. This saves you countless hours of checking out photos and profiles and sending emails.

A very important benefit is that the matches are real. We have all probably heard stories of frustrated people who were shocked when they learned how different the reality was from the profile!

Your time is valuable, so is your heart. Going on date after date after date takes it's toll on you. As you start using these tips, or secrets, you should be able to meet your soul mate and fall in love. Just make yourself ready and take action steps, even if they are small. Dating after 50 can be the best!

How To Become A Better Parent With A Free Parenting Class Online

Times have certainly changed in most facets of life and in the world of parenting, it is no different. The internet has opened up a whole range of possibilities and one of the big advantages for parents is the ability to take a free parenting class online to brush up on skills or to learn new techniques.

Once upon a time, parenting skills were learnt from within a person's own family environment; handed down from generation to generation so to speak however, in today's society, logging onto your computer and interacting with other like-minded parents is now a breeze. But can a free parenting class online teach you the skills required to raise children?

Defining Parenting Class Online

Let's look at this in it's proper perspective. Parenting skills are developed over time. In fact, for new moms and dads, your best learning experience will come from your own child. However, there will be times when you'll strike problems; for example, the terrible two's or during a child's teenage years. Where do you go for help? In the "old days" it usually meant confiding in your parents or grandparents or having to attend counselling sessions. Today, parenting online in the right environment is just a click away.

The term online may concern a few people given some of the horror stories we've heard from people with online experiences in other areas but online should only be seen as a vehicle for delivering information. In this light, a free online parenting class makes good and common sense.

Teenagers

One of the biggest advantages in receiving a free online class is in the area of raising teenagers. A lot of advice has been handed out over the years concerning the proper way to raise a teenager but in all honesty, what works for one set of circumstances may not work for another. An online parenting class with a qualified family therapist will save you, in some cases, the embarrassment of presenting yourself in person, which for people living in small, tight knit communities can be a big hurdle to overcome.

Discussing your situation online and receiving advice on communicating with your teen in a relatively private environment is a big plus for many parents.

Divorce

Divorce situations are another area where online parenting advice has made an impact. Again, dealing with a qualified therapist in the relative privacy of your own home is a huge advantage. Also, in today's divorce environments courts will often require parents to take a parenting class and in such emotional times, presenting oneself physically to a class could be a difficult thing to achieve.

An online parenting class removes the problem of presenting yourself in person other than to log onto a computer and take the class online. These classes involve covering topics such as co-parenting, step-parenting and parenting skills.

A free parenting class online should be used whenever you need help or a solution to a problem. Be careful when searching online for the right class. Some courses may offer a free trial before luring you into an expensive and unnecessary course.

Live Off Your Land - Fifteen Steps You Can Take to Get Out of the Cubicle and Onto Self-Reliance

Want to live off your land? More people are pursuing a lifestyle of self-reliance, depending upon themselves for their food and making a living by homesteading. If you long to get off the office treadmill and onto your own land, here are fifteen crucial steps you should take to pursue your life of freedom:

Get out of debt

As any farmer will tell you, unless you own a corporation with hundreds, if not thousands of acres, you won't make a fabulous income living off the land. Those farmers who do own hundreds of acres and thousands of dollars worth of equipment (along with the mortgages to prove it) are struggling to get by. The secret is to live simply and downsize. Sell that newer car with those high car payments and buy a used model, preferably with no payments. Stop eating out as much and use that extra money to pay off your loans.

Get some land

You don't need hundreds of acres, but if you want to live off your land, you will need at least five. You will want enough space for a good sized garden, along with some farm animals. Live in town? Consider selling or renting that house and buying a used manufactured home set on a small acreage instead. Many people do it and live quite comfortably - and debt free.

Learn to grow your own food

Put in a lot of raised beds and grow potatoes, carrots, tomatoes and other vegetables. Learn to preserve your food through canning, drying and freezing, so that you go to your pantry instead of the grocery store, cutting down on cost and time.

Raise chickens

These wonderful birds will supply you with eggs, meat, and even income if you raise enough of them. Fresh chicken eggs are easy to sell. These eggs are delicious, and if they come from chickens who have eaten mostly grass and insects - chickens who live in chicken tractors, for example - they are also far healthier and more valuable than the store-bought brand.

Get your goat

Goats will supply you with milk, meat and cheese. Control their diet - only hay and grains - and your goat's milk will taste exactly like cow's milk, only sweeter. Plus, many people are realizing the health benefits of raw goat's milk, making it a marketable product. Get two or three female goats - or does - along with a billy goat, and you will have enough milk for your family and some extra to sell to cover your cost.

Diversify what you sell

Many people who try living off the land make the mistake of raising a single product in large supply and then selling it. But if the crop fails, then you are in trouble. Instead, raise a small supply of several items to sell. Sell chicken eggs and goat's milk, honey and produce when it's in season. That way if one item fails to produce, you have others to fall back on.

Avoid the exotic

A few years ago, raising ostriches were all the rage. At least they were until those raising them realized not many people are willing to eat ostrich meat. It is far wiser to stick with the standard fare - chickens, pigs, and beef, for example. Raising something unusual and hoping to get rich off it - like many get-rich-quick schemes -usually leaves you with an empty pocketbook and an animal nobody wants and you have to feed.

Raise only what you want to eat

This goes with the ostrich example above. If you don't sell those hundreds of bushels of Swiss chard, then be prepared to eat them. If you don't enjoy them that much, then don't grow them.

Be prepared to learn a new trade

My grandfather was a plumber, and even during the depression, he prospered. During hard times, people might not need an insurance adjuster, but they will need someone who can fix their leaky pipes. Consider learning carpentry, electrical work or mechanics. Learn to make practical, useful items that you can sell or barter with.

Simplify

Do you really need three television sets? They use electricity even when they are not running. How about that 3,000 square foot home? Do you really need all that space, and all that clutter you accumulated to fill it? Learn to live on less. Cleaning and protecting all those things simply takes up precious time and money.

Give up driving

You won't be able to homestead successfully if you are driving into town everyday for one thing or another. If you are a soccer mom and trying to homestead, you are going to become exhausted in a hurry. Caring for livestock is a full time job that requires you to spend a lot of time on your land. Plus, the gas and wear and tear on your car is expensive. If you don't like staying at home, the homestead life may not be for you.

Don't go it alone

Don't try to homestead by yourself. Accidents can happen, and when you live in the country, there will be few neighbors who will hear you call for help. If you are single, consider finding one or two like-minded individuals who will room with you and share expenses.

Join a community

Find others in your area passionate about homesteading. Look for a local online group or start one. Go to your nearby feed store and see if they offer classes on animal husbandry. Sign up for an organic gardening class. All of these will get you in touch with people who can share information with you and who will encourage you.

Give back

Be willing to help those who are just starting out. There's an old phrase that rings true: what goes around, comes around. Make certain that what goes around from you is positive, rather than negative.

Embrace hard work

The homestead life is wonderful, but it does involve a lot of hard, physical labor. You will be lifting hay bales, roping contrary critters and moving chicken tractors. I personally love the hard work (and the great sleep I get each night), but if you prefer a desk job, then naturally, the homesteading life probably isn't for you.

Think you can do these fifteen things? Then start working on getting out of debt and go forward! A life of freedom and purpose awaits you.

The Advantages to a College Degree for Today's Job Seekers

A college degree is an advantage in today's workforce. The number and of jobs available for college graduates is much greater and they often have higher salary and benefits.

Availability of Jobs

The number of jobs that require a college degree or where a college education is an advantage is increasing. In previous generations, there were many levels of jobs available for those without a college education or in some cases, even a high school diploma. However now many of these jobs simply do not exist any longer, or now require college education.

Industrial jobs, trades and skilled labor were more prevalent before the rise of computer technology. Now many industries require a smaller workforce because of technological advances. Even though not as many assembly line workers are needed, there are many jobs available in engineering, management and business administration in which a college education is an advantage.

Types of Jobs

The advantages of a college degree in scientific, manufacturing and engineering fields are very strong. College students can now study highly specialized science related degrees that apply directly to business settings. Safety engineering, environmental science and DNA analytics are examples of highly specialized fields that have become in demand in just the past 10 years or so.

One of the advantages of a college education is that students become aware of many subjects and fields that they never would have considered without going to college. Students are required to take a variety of basic education courses such as math, sciences, literature and basic computing. Electives are also required and students may take a course that just sounds interesting or appealing to them. Often students discover during one of these courses that they have a talent and/or passion for a subject and begin to understand its potential in the job marketplace.

While obtaining a specialized degree is necessary in some fields, sometimes just having a college education is an advantage, regardless of the field of study. Employers want to know that their employees have a well rounded basic education. The advantages of a college degree will be proven when your resume is chosen over those who did not make the commitment to complete their education.

Salary & Benefits

The advantage of a college degree equals to higher wages and salaries. In the Winter 2004-05 Occupational Outlook Quarterly, The US Department of Labor reported that "In 2003, workers who had a bachelor's degree had median weekly earnings of $900, compared with $554 a week for high school graduates--that's a difference of $346 per week, or a 62 percent jump in median earnings." These figures are a bold statement that the advantage of a college degree is its increased earning power.

Job seekers will also find that positions that may not actually require a college education will still pay more to those who have a degree. Jobs seekers with a college education will still earn higher salaries, even when the degree is not directly required for the job.

The jobs that do not require a college education often have fewer benefits. These jobs often provide no retirement or health insurance benefits which are imperative to financial security and the stability of the family.

The Advantage of a College Degree: Conclusion

Attending and graduating from college is the best way to prepare for a career that pays well and provides a means to a secure future. If you are determined and hard working, you can complete your education and begin a career that will provide now and pave the way to a secure retirement.

Watch New England Patriots NFL Games Online

Ever wondered how to watch New England Patriots football games over the Internet? I use too, until I discovered a good way to watch National League Football (NFL) games on my computer via live streaming feed. Many times I'm stuck at work when the Patriots are playing, so I started looking for a method to catch some football games on my pc because there is no television where I work.

I like the NFL, in general, but I love the New England Patriots. Their roster is loaded with players that I like to watch and cheer for, like Tom Brady, Wes Welker, Randy Moss, and even coach Bill Belichick. This year's team proves to provide an exciting season for fans to follow. It could be a great year for them to reclaim the AFC East division.

Last year, I had to miss a couple of early games until I figured out how to watch the New England Patriots online. It was really pretty easy. I just downloaded a software program that gave access to basically any football game on TV that I wanted to watch. The program I found is easy to use and provides a quality picture. Also, I get access to more sports, movies, TV shows, history, weather, news, kids channels, and much more.

There are a couple requirements necessary to be able to use the software. First, you must have a computer with a Windows operating system. It does have to be the latest and greatest, but it does need to be Windows. Second, your Internet connection needs to be DSL or cable. Dial-up connections are not fast enough to deliver a quality live streaming feed.

Watching the 2009 Patriots games online gives me a lot more flexibility because now I just need to be somewhere where I have access to the Internet. In other words, I can be in town or on the road and just pull up the game on my laptop. I'm just glad I never have to worry about missing a game.

5HTP Side Effects

5HTP, a natural health supplement, has shown itself to be generally safe during the past forty years of scientific testing. 5HTP seems to be tolerated better by a larger number of people than its pharmaceutical cousins, the SSRI antidepressant medications like Prozac and Paxil.

Of course, nothing is completely without side effects so anyone taking 5HTP needs to be alert to the possible side effects.

5HTP has been tested enough to reveal a distinct pattern of side effects. The most common side effect of 5HTP treatment is intestinal or stomach upset. This is because about 90% of the serotonin in your body is actually not in your brain, but in your intestines.

Among other things, serotonin helps regulate the involuntary contractions of the intestines, called peristalsis, which flush waste through your system. Your intestines are loaded with serotonin so any changes in levels can affect this entire process.

Specifically which digestive side effects you might experience by taking 5HTP will depend on your personal state of health. Anything within the gamut of digestive system complaints could occur, nausea, diarrhea, constipation, cramping, even vomiting. Some people report this side effect being less severe, or even disappearing completely, if they take their 5HTP with a meal.

About 3 to 5% of people who take 5HTP report digestive-related side effects. They can range from mild to severe.

Digestive disturbances due to 5HTP treatment are most likely to be extreme with people who already have chronic digestive disorders. So if you suffer with irritable bowel syndrome, Crohn's disease, celiac sprue, ulcers or any among a long list of digestive problems, perhaps 5HTP treatment is not a good option for you. Please consult with a health care practitioner in your area.

Another reported side effect with 5HTP is vivid dreams, sometimes escalating to nightmares. This side effect occurs because dreaming and sleep depend heavily on serotonin. 5HTP and sleep go together like a chilly night and a goose-down comforter. This is why 5HTP treatment is so helpful for people with sleep disorders. 5HTP can help set the serotonin level back to a healthy level for better sleep.

On the flip side, because the biological process of sleep is delicate, 5HTP might cause your sleep to become disrupted. Everyone is different in this regard and while some enjoy extreme dreams, others find it upsetting. Often, people report that their dreams return to normal once their body adjusts to having a higher level of 5HTP and serotonin. Rarely, people choose to stop taking 5HTP because this side effect bothers them.

As you would expect, digestive disturbances and vivid dreams are both commonly reported side effects with all treatments that affect serotonin levels, such as the SSRI antidepressants, like Prozac or Paxil.

For best protection against side effects when taking 5HTP, start with a low dosage, such as 50mg or less once per day, and increase gradually. Sometimes it's advisable to give your body periodic breaks from taking 5HTP. Taking breaks can lower the incidence of side effects too. Some people experience relief from side effects if they take 5HTP with meals.

The incidence of side effects from 5HTP is lower than it is with many other medicines. This is because 5HTP is a pure substance found already in the body. It isn't a complex substance with many components that break down, spread throughout the body and wreck unintended havoc. 5HTP functions in the body in a relatively straight forward manner.

The same can't be said for other most other medicines. Virtually every medicine known has some components that are beneficial and others that aren't. It's these unwanted components that lead to unpleasant side effects. The more pure a medicinal molecule is, the easier the body can assimilate it and this fact is to the benefit of anyone taking 5HTP.

When compared to the number of people who find the side effects of treatment objectionable, 5HTP generally fares better than its pharmaceutical counterparts. For example, in a study conducted by researcher Dr. H. M. van Praag, only 3% of the study group taking 5HTP quit, while 9% of the group receiving an SSRI left the study.

All medicines produce side effects people find intolerable, it's to be expected. The question isn't IF people don't like the treatment, it's how many people object to the point of discontinuation? With 5HTP, the answer is generally less than with comparable treatments.

All in all, 5HTP side effects are minimal or nonexistent for most people. The vast majority of people who take 5HTP report a positive experience. Dr. L.J. van Hiele, who has been one of the leading researchers of 5HTP, reported, "no contraindications or significant side effects in our series of tests...follow-ups of the blood pressure, living function, urine and EEG's revealed no anomalies."

Of course, this generally positive news does not negate the fact that some people find 5HTP side effects intolerable. All medications should be judged by weighing the benefits against the risks. Only you can determine where the line is right for you.

3 Ways to Improve Your Credit Score by 50 Points In Less Than 30 Days

In Less Than 30 Days.

"What can you do to increase that set of three numbers on your credit report that can be so important with your financing?"

I came across this question as I was surfing discussion groups the other day. Check out my answer:

Dear Friend,

Here are 3 steps I used to take my credit score from 592 (horrible credit) to 762 (perfect credit) almost overnight. If you're interested in improving your credit rating quickly, you'll find this story helpful:

In 1995 I made a decision that would ruin my perfect credit history. I quit my salary job to become an insurance salesman. The job paid commission only. Within a few months I lost everything - house, car, credit rating and my self respect.

By the end of 1996 I was living with my mom, all my credit accounts were severely past due, and I was paying 22% interest on a broke-down green Geo Storm...I was a real loser.

Then, in 1997, I became a banker. I didn't know it at the time, but this would turn out to be the break I needed to eliminate my credit problems forever.

During my seven years as a banker, I came across several legal and highly effective ways to improve my credit rating. As a result, I was able to increase my credit scores by an average of 170 points.

Here's what I did:

Step #1: After spending hundreds of dollars on credit repair services that didn't work, I found out how to get negative accounts removed on my own.

Basically, I wrote letters to the collection agencies requesting proof that the accounts were mine. 89% of the time they had no proof that the bad accounts belonged to me. So I was able to get them deleted from my credit file.

Step #2: I opened new accounts with high credit limits and kept the balances low.

I discovered that if you keep your available credit limits high and only use 10% to 30% of the credit you have available, your credit score will improve dramatically.

Step #3: Next, I added accounts with years of perfect payment history to my credit file. This step took my credit score from 647 to 762.

While you can certainly add seasoned accounts to your credit file for free, there are companies that claim they can do it for a fee.

The problem is, they charge between $2,000 and $2,500 per account. If you want a 700+ credit score you'll need 3 to 4 of these accounts. That equates to a cost of $6,000 to $10,000.

(You can conduct a search on your favorite search engine for companies that offer this service.)

While there are several highly effective steps you can take to increase your credit scores by as much as 200 points, these are the main ones...And here's the good news: Each step can be completed in less than 30 days.

Tips to Improve Your Spoken English

A lot of my students ask me what is it that they should do to improve their Spoken English. So here is a post to tell them what I feel can improve their English skills.

I stated thinking about it and realized that I was lucky to be born in a family where, despite being Indians, English was the language of choice. Since my father rarely spoke Marathi and my mother only ever used Gujrati to discipline me in public, I only ever heard them speak to each other and me in English. Hence fluency in the language just came naturally to me. I only picked up Hindi once I started schooling.

A lot of people don't have such a family environment. The first language they learn is their mother tongue. The next will be Hindi, if they are based in North India. Then when they reach school they finally learn English as the third language. In South India the second language is English, which is the reason why despite accent trouble they are much more comfortable speaking in English.

As a result, here are a few tips that I have collected to help improve Spoken English.

Tip No # 1 Get comfortable with the language. Read for 20 minutes in English. It can be a newspaper, a short story, a poem, or even a novel.

Tip No # 2 Develop your written language. If you don't have the requisite vocabulary you won't be able to communicate.

Tip No # 3 Start Speaking. Try out your spoken English on anyone who will be able to respond to you. Don't be afraid of making mistakes.

Tip No # 4 Keep your ears open for the accent. Watch the English news on Television. Watch BBC for the British Accent, CNN for the American Accent and NDTV 24/7 for the urban Indian Accent.

Tip No # 5 Record yourself. Listen to your voice and catch your pronunciation mistakes. Make a deliberate effort to avoid them.

Tip No # 6 Grammar is important. The parts of speech, tenses, form of verb, articles and modals all contribute to fluency. Make an effort to learn them.

Tip No # 7 Make the Dictionary your best friend. To date I head for it when confronted with a new word. Familiarize yourself with its meaning and use it in a sentence that very day.

Tip No # 8 Have someone proficient read aloud to you. A storybook or a newspaper article will do. Watch how they move their lips while pronouncing certain words.

Tip No # 9 Learn one new word a day. To increase your active vocabulary start memorizing the meaning of a word you had heard but were not sure of. Use it regularly to absorb it into your vocabulary.

Tip No # 10 Start writing a Diary. It will allow you to practice the language in a totally non threatening environment. Write one entry of at least 100 words everyday.

Consequently your Spoken English will improve, but not if you are lacking in commitment. It's all very well to be pumped up today about learning the language and forgetting all about it tomorrow.

Always remember the skills involved in any language are Listening, Speaking, Reading and Writing. Any single one can't be developed in isolation

Arabic TV Channels Available in the USA

Arabic TV channels now available in the United States can enhance the viewing pleasure of many Arab Americans. Keeping up with events in their homeland is as easy as turning on the tv. There are a lot of channels available now from Directv and Dish Network. So for those who are not aware of them, I will list the Arabic channels here.

Dish Network

ABU DHABI is a 24-hour-a-day Arabic-language general entertainment channel, is considered to be one of the most respected channels in the Middle East. Abu Dhabi offers the Arab-Americans an exciting lineup of diverse programming including news, current affairs, movies, fashion, sports and much more.

AL ARABIYA is a top ranked 24-hour-a-day Pan Arab news channel catering to the Arab audience worldwide. Al Arabiya's news programming includes politics, business, current affairs, finance updates and sports highlights.

AL JAZEERA 24-hours-a-day and exclusively on DISH Network, Al Jazeera is the top Arabic news channel in the Middle East that offers news from around the world. Al Jazeera has a wide selection of documentaries and uncensored political talk shows.

AL ZIKR a family oriented radio channel providing 24 hours of cultural programming with focus on history, language, habits and religion. The programming includes live talk shows covering a variety of subjects and events and Al Zikr covers valuable cultural Arab events from many locations in the Arab world linking the Arab and Moslem immigrants with their homeland.

ART AMERICA provides a unique blend of Arabic and multi-language programming consisting of mini-series, dramas, movies, sports (live and recorded soccer events directly from the Middle East) and talk shows.

ART MOVIES features Arabic-language programming from Egypt, Lebanon and different regions of the Middle East. ART Movies offers newly released and classical movies, mini-series, dramas and talk shows such as "Sahraa."

ART MUSIC radio channel consists of modern and classical Arabic music, talk shows and interviews with new and established performers in the Arabic music industry.

DANDANA TV is a 24-hour-a-day Arabic music video channel broadcast from the U.S. Through its hip shows, music videos and coverage of major Arab-American events, Dandana TV is the pop culture face of the DISH Network Arabic bouquet.

DUBAI SATELLITE CHANNEL offers variety television entertainment from the United Arab Emirates that includes top sporting events, the latest news, movies, documentaries and TV series.

DUBAI SPORTS is a 24/7 sports channel broadcasting from Dubai. One of the leading sports channels in the Arab world due to its distinguished sports programming including highlights of various major soccer leagues from different continents, International speed boat racing, horse racing and more.

ESC-1 live from Egypt, ESC-1 features a wealth of television entertainment including the Egyptian Soccer League, "Good Morning Egypt," variety shows, movies, talk shows, children's programming and much more.

FUTURE TV offers top-rated Lebanese TV series, live news, game shows, cartoons, variety shows, family entertainment, soccer matches and much more 24-hours-a-day

IQRAA broadcasted 24-hours-a-day from Egypt, is the first Arabic-language channel that offers religious, media, social and economic programs tailored to the Muslims audience. Iqraa's programming includes documentaries, live talk-shows, dramas, cultural and educational programs.

LBC The Lebanese Broadcast Channel, will fill your days with movies, sports, mini-series and talk shows such as "Ya Liel Ya Aien."

MBC Middle East Broadcasting Center is a leading pan-Arab news and entertainment channel. The channel's program offerings include general entertainment programs such as "Aalam," comedies such as "CBM," talk shows including "Kalam," game shows, in-depth news, social programs and children's programming.

MELODY ARABIA broadcast from Egypt, is the highest viewed 24-hour-a-day Arabic-language music video channel in the Middle East and North Africa. Melody Arabia offers a variety of music programming including video clips from the 80's, 90's, as well as contemporary releases, many of which are premiered on Melody Arabia and are exclusive to the channel. Melody Arabia is a tremendous addition to overall entertainment for Arab Americans in the U.S.

NBN The National Broadcasting Network, is considered the first 24-hour-a-day specialized news and thematic TV station in Lebanon. NBN prides itself on offering a wide variety of programming with in depth news shows including "Al Masa'iya" which has a very loyal following throughout the Arab World, superior documentaries such as "Ahzab Lubnan," provocative talk-shows and up to date sports and business programs.

NEW TV a 24-hour-a-day Arabic-language station broadcast from Lebanon, offers a wide range of general entertainment programs including dramas, musicals, news, documentaries, cultural, educational, special events and general entertainment shows for all generations and ages.

NILE DRAMA is your choice for Egyptian current and classic movies, TV series and family programming for all ages.

NOURSAT is the first and only Christian channel from Lebanon and the entire Middle East. Noursat's programming includes talk-shows, documentaries, history, classical musical recitals and social and spiritual programs.

DirecTV ORBIT AL-YAWM is a contemporary Arabic entertainment and variety channel, delivering more than 35 hours of live Orbit productions per week. Al-Yawm offers the smartest fashion tips, intimate beauty care advice, the best recipes, and light-hearted comedy shows. Orbit Al-Yawm top programs include Oyoun Beirut and Al-Qahira Al-Yawm.

ORBIT SEEN (the Series Channel) is the first 24-hour Arabic thematic channel of its kind in the region, featuring the best Arabic TV series from the Middle East. The Series Channel delivers the widest variety of TV productions from drama to comedy and from melodrama to historical biography. Orbit Seen features outstanding dramas like Kkaled Bin Alwaleed and Sikkat Alhilali.

ROTANA CINEMA channel is the leading movie service in the Middle East. It draws from the largest and richest library of Arabic-language films in the world, as well as cinema news and entertainment programs, including "The Hala Show," hosted by Dr. Hala Sarhan.

ROTANA MOOSSIKA channel is an Arabic variety/entertainment channel that is dedicated to music videos, programs, concerts and festivals. Rotana Moossika has compiled the largest Arabic music library in the world, and exclusively features some of the top acts from the Arab world, including Amr Diab, Nagwa Karam, George Wassouf, Alissa and Kazem.

ROTANA ZAMAN channel delivers state-of-the-art digitally restored classic Arabic movies to millions of viewers around the world. Enjoy the legendary stars and singers - Om Kalthoum, Halim and Fairouz, as well as the popular program "Kashf el Mastour."

So there you have it. 25 different channels. Entertainment for the whole family, young and old alike. Instead of seeing a five minute clip of news from the Middle East, watch in-depth coverage of the same event. It's like bringing your homeland in to your living room.

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