dads have a choice

dads have a choice dads have a choice a wealth of information on simple and other less-simple matters for modern living. monday, august 14, 2006 bounce back from bankruptcy bounce back from bankruptcy: a step-by-step guide to getting back on your financial feet, third edition (paperback) by paula langguth ryanbook descriptionthe only thing standing between you and good credit after bankruptcy is not knowing what steps you should take next. whether you are looking for immediate credit after bankruptcy or you never want to see another credit card as long as you live, this book will show you how to rebuild financially after bankruptcy.get details on how to buy a car after bankruptcy, including how and where to get an auto loan after bankruptcy without paying sky-high interest. find the best credit card after bankruptcy, and determine whether a secured credit card or an unsecured credit card is your best choice. discover how to get the best interest rates on a personal loan after bankruptcy, how to rent an apartment, buy a home, or even refinance after bankruptcy.unlike other books that teach you how to get new credit after bankruptcy so you're right back in debt again, this book provides you with the tools you need to break the chains that keep you locked in an endless cycle of debt. you can have a second chance, financially after bankruptcy. this book shows you how.posted by news at 12:38 am posted by news at 2:24 pm 0 comments   online bankruptcy attorney fees on the rise due to new bankruptcy lawsmany individuals are seeking low-cost alternatives to high-priced bankruptcy attorneys.washington, dc (prweb) july 25, 2006 –- those individuals seeking to file bankruptcy under the new bankruptcy laws that went into effect in october, 2005 are paying much higher fees to bankruptcy attorneys, who have raised their fees as much as 100 percent. "that's to account for the increased liability the new law imposes on them, which will mean more time verifying and filing client documents," said jeanne sahadi, a senior writer at cnn/money.opponents of the new bankruptcy laws claim the laws fall hardest on low-income families, single mothers, minorities and the elderly. many consumer groups are wondering how individuals that are already financially strapped are supposed to come up with the higher fees charged by bankruptcy attorneys. with bankruptcy attorney fees costing up to $2,500, many individuals are seeking low-cost alternatives to using a high-priced bankruptcy attorney."many people think they need an attorney to file bankruptcy," said dean holt, a case coordinator at e-onlinebankruptcy.com, a leading consumer bankruptcy service. "but in most cases, the entire bankruptcy process consists of completing the required forms, filing them with the bankruptcy court and attending a brief meeting with a bankruptcy trustee. no attorney is needed for this and no court hearing is required in most cases," says holt.a chapter 7 or 13 bankruptcy at e-onlinebankruptcy.com can be prepared in as little as one day for only $129. “the number one question people ask is why our online bankruptcy service is so inexpensive,” said holt. “the fact is, with our automated bankruptcy software the typical bankruptcy only takes about an hour or so to prepare. it’s not rocket science. there are those that want to make it seem like rocket science, but it’s not that difficult or time-consuming.”according to holt, “bankruptcy is a federal program established by congress to provide debt relief to people who need it. the program was not intended to cost hundreds or thousands of dollars in attorney fees. it simply makes no sense that those individuals who are unable to pay their current debts would have the ability to pay $800 to $2,500 in attorney fees to file bankruptcy.”bankruptcy attorneys contend that they are compelled to perform significantly more work to meet the requirements of the new bankruptcy laws. “one of the things that drive legal fees higher are new provisions that hold the attorney potentially liable if information on a client’s bankruptcy forms is not correct,” said one attorney.less than a year after the passage of the new bankruptcy laws there is already talk on capitol hill about enacting another bankruptcy reform bill to correct the problems with the current laws.posted by news at 12:07 am posted by news at 1:09 pm 0 comments   7 mistakes to avoid prior to filing bankruptcy released on = december 10, 2005, 7:55 pmpress release author = david m. siegel & associatesindustry = internet & onlinepress release summary = the actions that you take prior to filing bankruptcy canaffect your ability to achieve a fresh start. there are seven critical mistakesthat are often made by individuals. if these mistakes are avoided, successfulresults can be achieved when filing bankruptcy.press release body = for immediate release12/13/057 mistakes to avoid prior to filing bankruptcythe actions an individual takes leading up to filing bankruptcy can drasticallyaffect his ability to get a \"fresh start\". by avoiding these seven mistakes, onecan travel successfully through the bankruptcy process without losing a pound offlesh.david siegel, a chicago bankruptcy attorney and member of the american bankruptcyinstitute, has guided his clients away from making these seven mistakes. additionalconsumer bankruptcy information is cited at www.bankruptcylawyerschicago.com.1. the credit card run-up mistake:don\'t use your credit cards once you have made your decision to file bankruptcy.consumer debts incurred for luxury goods and services owed to a single creditor inexcess of $500.00 within 90 days of filing are presumed to be nondischargeable andmay be found to be due and owing.cash advances of more than $750.00 within 70 days of filing are presumed to benondischargeable and may be found to be due and owing. don\'t jeopardize your \"freshstart\" by running up your credit cards.2. the repay a family member mistake:with regard to repaying debts, you cannot treat your family member any better thanyou would an ordinary creditor. in fact, a bankruptcy trustee can reclaim anyamount repaid to a family member within one year of filing bankruptcy.3. the liquidate your retirement account mistake:retirement accounts are generally protected. you can eliminate your debt and keepwhatever you have in an erisa qualified account, free and clear. many individualsdrain their retirement accounts in a futile attempt to pay down credit card debt.4. the transfer property out of your name mistake:a bankruptcy trustee can undo a transfer of property that previously belonged toyou. this can occur if the transfer was made within two years of the filing of thebankruptcy with the intent to hinder, delay or defraud a creditor.5. the line of credit/second mortgage to pay debt mistake:don’t take a loan against your real estate in an effort to reduce the equity. youcan often file bankruptcy and not lose this valuable asset. if you take out asecond mortgage to pay credit card debt, you may be putting your house at risk.6. the failure to appear at court proceedings mistake:if there’s a collection case pending against you in state or federal court, don’tassume that you can avoid the court process simply because you’ve decided to filebankruptcy. until your bankruptcy case is filed, a collection case continues.7. the failure to tell your attorney the truth, the whole truth and nothing but thetruthmistake:an attorney can only provide advice based upon information provided by the client.failure to notify your attorney about your assets can lead to the loss of thoseassets, denial of your bankruptcy case, fines, imprisonment or all of the above.for more information contact:david m. siegeldavidmsiegel@hotmail.comhttp://www.bankruptcylawyerschicago.comweb site = http://www.bankruptcylawyerschicago.comcontact details = mr. david siegelposted by news at 12:38 pm posted by news at 12:43 pm 0 comments   non-attorney bankruptcy service bankruptcy services of america provides alternative to high-priced bankruptcy attorneysbankruptcy attorneys typically charge $800 to $2,500 to file bankruptcy. bankruptcy services of america, a nationwide bankruptcy service, charges just $195 for a complete chapter 7 or 13 consumer bankruptcy.jacksonville, (prweb) july 21, 2006 -- bankruptcy services of america today announced that it has prepared over 28,000 chapter 7 and 13 bankruptcies for individual consumers since it commenced operations in february, 2003.while bankruptcy attorneys typically charge fees ranging from $800 to $2,500 to file bankruptcy, a complete chapter 7 or 13 bankruptcy prepared by bankruptcy services of america costs just $195."many people think they need an attorney to file bankruptcy", said dean holt, a case coordinator with bankruptcy services of america. "in most cases, however, the entire bankruptcy process consists of completing the official bankruptcy forms, filing them with the bankruptcy court and attending a brief meeting with a bankruptcy trustee. no attorney is needed for this and no court hearing is required in most cases", says holt.bankruptcy services of america is a non-attorney bankruptcy service that is staffed by non-attorney bankruptcy preparers. "our top bankruptcy preparers have over 24 years experience preparing bankruptcy forms and were formerly employed by bankruptcy attorneys and trustees", says holt.those individuals seeking to file bankruptcy under the new bankruptcy laws that took effect on october 17, 2005 are paying much higher fees to bankruptcy attorneys, who have raised their fees as much as 100%. "that's to account for the increased liability the new law imposes on them, which will mean more time verifying and filing client documents", said jeanne sahadi, a senior writer at cnn/money.many individuals are having their bankruptcy forms prepared by non-attorney "bankruptcy petition preparers", whose fees and services are regulated by the bankruptcy code and by local court rules and decisions in each jurisdiction.for more information about bankruptcy services of america, visit the company's website at www.bkservicesofamerica.com.posted by news at 12:35 pm posted by news at 12:15 pm 0 comments   obtaining a credit card after bankruptcy a recent discharged bankrupt will face certain difficulities when applying for credit card services. a recommended option to take is to apply for a secured credit card.this is a type of card that requires you to deposit a certain sum into a savings account. the card limit will depend on the amount of money that secures the card. the credit card will function like any other credit card and only you know it's secured.the use of a secured credit card is also a quick way to rebuild good and healthy credit.here are some examples of 2 secured credit cards :union plus secured credit cardthe card is granted to approved members who make a deposit in an interest-bearing savings account. after 18 months of on-time payments, members are eligible to be reviewed for the regular union plus credit card.benefits include:* the secured credit card gets reported to the credit bureau as a regular credit card, so other creditors who review your credit will see that you were issued a major credit card - meaning you can build or repair your credit report* deposit anywhere between $250 and $5,000 in an interest-bearing secured credit card savings account, then charge against this line of credit every month* no application fees* a competitive fixed annual percentage rate (apr)* a low annual fee* eligibility to be considered for the regular union plus credit card after 18 months of on-time paymentswells fargo secured credit cardto establish your credit limit, you must make a deposit of $300-$5,000 (in $100 increments) to a “collateral account.”your collateral account determines the limit that you may charge up to, and is held as a deposit. you still need to make monthly payments toward any balance you accrue, as with any other credit card.after 12 months, you may be eligible to graduate to an unsecured credit card, and get back the money you deposited in your collateral account.content keywords : secured credit card after bankruptcy discharge bankruptposted by news at 9:47 am posted by news at 11:56 am 0 comments   bankruptcy auto loan the complete idiot's guide to surviving bankruptcy by carol costa and james r. beaman (paperback - oct 19, 2001)excerpt - page 6:"... you after you've listed and totaled the household expenses, take a separate sheet of paper to list all the mortgages, auto loans, medical bills, credit card companies, banks, and finance companies where you have open accounts. you can set up a simple ..."excerpt - page 24:"... tax refund coming to you at the end of the year, that refund can be confiscated and applied to your loan amount. a student loan can be deferred. you can go ... poor credit history are often charged high interest rates on auto loans. unless they have substantial collateral, they can't even get personal loans. if you have a loan with a high ..."excerpt - page 40:"... it d by circumstances beyond their control. if a creditor holds a secured liability against you (a mortgage or an auto loan, for example), the court can still discharge the debt. you will not dollar signs have to pay the creditor, but ..."excerpt - page 50:"... which the exact monetary liabil- this proposed change to the bankruptcy laws would ensure that some ... failed to make on a loan or other liability. the value ... bankruptcy . for example, an auto loan has a balance of $8,000, but the vehicle has ..."excerpt - page 101:"... party has the same rights and liabilities that existed prior to the bankruptcy. the debtor is obligated to pay the loan, and the creditor can sue or foreclose on the property ... dry with no recourse if you default on the loan. autos and other assets many debtors reaffirm on their auto loans because they have no other means of transportation and must ..."posted by news at 9:14 am posted by news at 11:23 am 0 comments   state of bar texas bankruptcy law section mission statement from the state of bar texas bankruptcy law section (http://www.texasbar.com) :the goal of the bankruptcy law section is provide an opportunity for all practitioners of bankruptcy law licensed in texas to meet and exchange information and ideas on a regular basis, including practitioners in both the consumer and business bankruptcy arenas, for those who represent creditors and debtors, and those who live in any geographic region. the bankruptcy section shall endeavor to have the membership of the council reflect this broad diversity of its members. the section shall also provide an opportunity for lawyers newly practicing bankruptcy law to attain those skills, experience and relationships which will assist them to enhance the practice of bankruptcy law in the state of texas.posted by news at 8:42 am posted by news at 10:41 am 0 comments   bankruptcy car loan chapter 13 bankruptcy: repay your debts by robin leonard (paperback - jun 4, 2005)excerpt - page 2:"... debt is secured if you stand to lose specific property if you don't make your payments to the creditor. home loans and car loans are the most common examples of secured debts. but a debt might also be secured if a creditor has ...""excerpt - page 3:"... 7 there are many reasons why people choose chapter 13 bankruptcy ... behind on your mortgage or car loan, and want to make up the missed payments over time ..."excerpt - page 28:"... example: your original loan was for $13,000 plus $7,000 in interest (for $20,000 total). ... note that here. example: if the market value of your car is $5,000 but you still owe $6,000 on your car loan, enter $1,000 in this column ..."excerpt - page 79 :"for example, you could cure a default on a car loan if your car note has 40 monthly payments left on it and you are proposing a standard 36-month chapter ..."content keyword : bankruptcy car loan payment debtsposted by news at 8:04 am posted by news at 9:53 am 0 comments   bankruptcy financing kentucky redemption new kentucky bankruptcy law provides homestead exemption.a change in kentucky's bankruptcy law could help some of the state's poor, unemployed and disabled save their homes if their debts cause them to file for bankruptcy. legislation passed in the recent session of the kentucky general assembly will let debtors protect more of their property, including the value in their homes, when they file for chapter 7 bankruptcy. the new law allows debtors to follow federal bankruptcy taw in determining how much of their assets can be protected from creditors. kentucky had opted out of the federal law years ago and had imposed its own, lower exemptions. when the change goes into effect june 20, it will let bankrupt debtors protect up to $18,450 of equity. the new exemption is not a lot compared to the value of most homes, but it could make the difference for some kentuckians who risk losing their homes under existing law. to read full article, sign up for free at allbusiness.com.content keywords : law bankruptcy financing kentucky redemption propertyposted by news at 7:39 am posted by news at 9:02 am 0 comments   bankruptcy student loan student loans in bankruptcy: an article from: hoosier banker [html] (digital)under the us bankruptcy code, a discharge in bankruptcy does not discharge an individual debtor from any debts for an educational loan made, insured or guaranteed by a government unit, or made under a program funded in whole or in part by a governmental unit or nonprofit institution or for an obligation to repay funds received as an educational benefit, scholarship, or stipend, unless excepting the debt from discharge will impose an undue hardship on the debtor and the debtor's dependents. cases demonstrate that student loans can be discharged in whole or in part.this digital document is an article from hoosier banker, most recently published by indiana bankers association on february 28, 2000. the length of the article is 1308 words.citation detailstitle: student loans in bankruptcyauthor: anonymouspublication: hoosier banker (news)date: february 28, 2000publisher: indiana bankers associationvolume: 84 issue: 2 page: 17-18distributed by proquest information and learningbook content keywords : bankruptcy student loan, bankruptcy discharge, debt, scholarshipposted by news at 7:02 am posted by news at 8:41 am 0 comments   mortgage after bankruptcy - life after debt life after debt: the complete credit restoration kit by bob hammond (paperback - sep 1992)are you tired of being turned down for credit because of negative info in your files? now you can learn the secrets used by pros to erase bad credit from your files and start over. this complete guide was written to meet the needs of everyone, including women, minorities, divorced people, military families and those considering bankruptcy.content keyword list : debt, credit, mortgage after bankruptcyposted by news at 6:35 am posted by news at 7:17 am 0 comments   bankruptcy credit card review has widespread use of credit cards contributed to the increase in personal bankruptcy?: an article from: regional review - federal reserve bank of boston [html] (digital)by joanna stavinsbook descriptioncredit card delinquencies and personal bankruptcy rates increased during the mid 1990s, despite the strength of the us economy. at a time when per capita income was rising, household borrowing grew at an even faster pace. some blame credit card default rates on lenders, arguing that lenient standards have allowed customers to borrow more than they can repay; others blame borrowers for spending beyond their means.this digital document is an article from regional review - federal reserve bank of boston, most recently published by federal reserve bank of boston on march 31, 2001. the length of the article is 1858 words. the page length shown above is based on a typical 300-word page. the article is delivered in html format and is available in your amazon.com digital locker immediately after purchase. you can view it with any web browser.citation detailstitle: has widespread use of credit cards contributed to the increase in personal bankruptcy?author: joanna stavinspublication: regional review - federal reserve bank of boston (feature)date: march 31, 2001publisher: federal reserve bank of bostonvolume: 10/11 issue: 4/1 page: 4-7distributed by proquest information and learningbook content keywords : bankruptcy credit card, credit cards, review, personal bankruptcyposted by news at 6:09 am posted by news at 5:37 am 0 comments   how to start a bankruptcy forms processing service how to start a bankruptcy forms processing service by victoria ring (paperback - sep 2004)review from amazon.coma solid guide with everything the reader needs to know, november 13, 2004reviewer: midwest book review (oregon, wi usa) -author and paralegal victoria ring (one of the first paralegals in the country to set up an internet-based service dedicated to aiding bankruptcy attorneys), how to start a bankruptcy forms processing service is a solid guide packed with everything the reader needs to know about improving one's skill as a bankruptcy paralegal or bankruptcy forms processor, and get a freelance bankruptcy forms processing business off the ground. chapters address the beginning steps of setting up a business from ground zero, including structuring one's client base and selecting the right office supplies, to the nuts and bolts of performing one's jobs, assessing one's clients (for example, recognizing when a debtor could be hiding assets), marketing chapter 13 services to bankruptcy attorneys, managing one's business, tips, tricks, techniques, and insights, and much more. an absolute "must-have" for anyone seeking to organize, promote, or improve the service of their own bankruptcy forms business.posted by news at 5:47 am posted by news at 5:00 am 0 comments   the new bankruptcy law and you j.k. lasser's the new bankruptcy law and you (j.k. lassers) by nathalie martin and stewart paley (paperback - oct 13, 2005)a comprehensive guide to the new bankruptcy law—and what it means for yousweeping changes to u.s. bankruptcy law—the first major changes to the law in twenty- seven years—are occurring right now. if you're unfamiliar with the new bankruptcy law and how it could affect you, this book will quickly get you up to speed. while j.k. lasser's the new bankruptcy law and you thoroughly covers this latest reform, along with its options and alternatives, it also answers must-know bankruptcy questions, such as: how do you decide whether bankruptcy is the right path to take, and if it is, when should you file? other topics discussed include:* the new law versus the old law* the basics of bankruptcy law that apply to all bankruptcies* preparing to file for bankruptcy* the liquidation option: chapter 7* the payment plan option: chapter 13* the basics of debtor-creditor law* preparing for a bright financial future* and much morewith over twenty years of experience as bankruptcy attorneys, and a dozen years of experience educating people about money, authors nathalie martin and stewart paley can help you successfully navigate the world of bankruptcy and show you how to put yourself in a position where you'll never have to think about it again.filled with in-depth insights and expert advice, j.k. lasser's the new bankruptcy law and you can help you make more informed financial decisions when dealing with complicated bankruptcy issues.posted by news at 5:20 am posted by news at 4:07 am 0 comments   bankruptcy home loans - how to buy a home how to buy a home when you can't afford it by robert irwin (paperback - jun 24, 2002)excerpt - page 2: "... i've seen people in all sorts of financial condition buy homes. i've seen people in bankruptcy purchase property. i've seen people with absolutely no money and ..."think you can't afford to buy a home? think again!if you are thinking about buying your first home in today's real estate market, it's easy to feel discouraged. it may seem as if you needed to save up for your down payment since kindergarten and never pay a bill late in your life. nothing could be further from the truth! best-selling real estate author robert irwin can show you how to make your dream of home ownership a reality regardless of your financial situation. loaded with information and advice about everything from low down payment and no down payment mortgages to finding the right agent, robert irwin leads you down the path to home ownership one step at a time.* cash poor? how about coming up with as little as 10, 5, or 0 percent down!* high prices? discover how persistence, patience, and a little hard work can really pay off!* worried about big monthly mortgage payments? between adjustable rate mortgages (arms) and huge tax breaks, a mortgage is a lot more affordable than you think.* credit concerns? irwin gives you the inside scoop on credit scores and what you can do to improve yours.* where and what to buy? learn how to identify the best neighborhood for your money and compare different housing options.* looking for new construction? find out how you can save up to 30 percent if you build it yourself!irwin doesn't stop there, how to buy a home when you can't afford it is packed with advice about affordable government housing programs, tips on cutting closing costs, how to evaluate fixer-uppers, and so much more. so stop making excuses and start making your dream a reality today!book content keywords : buy a home, bankruptcy home loans, mortgage paymentsposted by news at 4:51 am posted by news at 3:38 am 0 comments   personal bankruptcy laws for dummies personal bankruptcy laws for dummies (for dummies (business & personal finance)) by james p. caher and john m. caher (paperback - jan 4, 2006)book descriptionwith tips on understanding and surviving the new bankruptcy laws if you're considering bankruptcy, you need straightforward answers and reliable advice. this handy guide covers it all so you can get your finances in line and your life back on track. this updated new edition covers everything you need to know about the new bankruptcy law and includes even better resources. don't get desperate get out of debt instead! discover how to weigh the consequences of bankruptcy manage your spending find professional help you can trust decide on the right type of bankruptcy pass the means test keep more of your stuff.posted by news at 4:18 am posted by news at 3:02 am 0 comments   mortgage after bankruptcy is mortgage possible after bankruptcy? brian i. sacks gives the answer in his book "yes, you can get a mortgage: even if you've had a bankruptcy, foreclosure, or other credit issue"a step-by-step guide with everything you need to know to purchase a home with very little money down and low interest rates--even if you have had a bankruptcy, foreclosure, or other credit issues.you will discover:- how lenders view your credit report and what to do to improve it.- 6 steps you need to bake before you look for a home.- how the irs will help you with your monthly mortgage payments.- what credit scores are and how to improve your score.- how to document your credit problem so your loan will be approved.- forms you need to become familiar with before your loan application.- grants available to help you purchase a home with no money down regardless of your credit.- appendix with the fair credit and equal credit laws so you will know your rights.posted by news at 3:47 am posted by news at 2:39 am 0 comments   types of bankruptcy do size and diversification type matter? an examination of post-bankruptcy outcomes.: an article from: journal of managerial issues [html] (digital)by david d. dawley, james j. hoffman, erich n. brockmanbook descriptionthis digital document is an article from journal of managerial issues, published by pittsburg state university - department of economics on december 22, 2003. the length of the article is 6664 words. the page length shown above is based on a typical 300-word page. the article is delivered in html format and is available in your amazon.com digital locker immediately after purchase. you can view it with any web browser.from the author: bankruptcy is a costly endeavor and the probability of surviving the process is low. while much of the previous research on bankruptcy has examined antecedent conditions leading to organizational demise, this study takes a different tack by examining the effect of diversification type (i.e., related versus unrelated diversification) and organizational size on postbankruptcy outcomes for firms that emerge from chapter 11. both diversification type and organizational size were found to affect probability of recovery and recovery time for firms emerging from bankruptcy protection. more importantly, it was found that size moderates the relationship between diversification type and probability of recovery.book content keywords : types of bankruptcy, recovery, postbankruptcyposted by news at 3:14 am posted by news at 2:04 am 0 comments   get bankruptcy questions answered here are 2 books that can help answer bankruptcy questions :1. how to file for chapter 7 bankruptcy 13th edition by stephen elias, albin renauer, and robin leonard (paperback - aug 30, 2006)your step-by-step guide through chapter 7 bankruptcy.deciding to declare chapter 7 bankruptcy has never been easy -- and recent changes in the law place fresh hurdles in the way of debtors seeking a fresh start.don't worry, help is here! how to file for chapter 7 bankruptcy provides the clear and user-friendly information, advice and forms you need to get through the entire process.first, the book will help you determine whether you qualify for chapter 7 -- and whether it is the best way to deal with your debts. then you'll find out how to:*stop wage garnishments and attachments *fill out and file all the form *cancel as much debt as possible *deal with secured debts *keep the maximum amount of property *keep your home, if possible *rebuild credit after bankrutpcythe 13th edition is updated and revised to reflect the latest laws and legal forms, plus the line-by-line instructions you need to fill them out. easy-to-use charts make looking up the laws of your state a snap.please note: this book does not cover business bankruptcies, farm reorganizations or individual repayment plans (chapter 13). for chapter 13 bankruptcy, see nolo's chapter 13 bankruptcy: repay your debts.2. the elements of bankruptcy, fourth edition (concepts and insights) (paperback)by douglas g. bairdthis casebook is an authoritative introduction to bankruptcy. case studies, case notes, and examples illustrate points under consideration. thought-provoking questions generate classroom discussion and hone students' legal reasoning. students reap the benefit of the author's expert opinions, insight, and experience. representative topics include the individual debtor, corporate reorganizations, and claims, property of the state, and the "strong-arm powers.posted by news at 2:38 am posted by news at 1:43 am 0 comments   bankruptcy hawaii law anatomy of a bankruptcy. (manoa finance) (includes separate articles with response by hirotoshi yamamoto and the final results of the bankruptcy proceedings) ... profile): an article from: hawaii business [html] (digital) by katy yangthis digital document is an article from hawaii business, published by hawaii business publishing co. on september 1, 1988. the length of the article is 3664 words.citation detailstitle: anatomy of a bankruptcy. (manoa finance) (includes separate articles with response by hirotoshi yamamoto and the final results of the bankruptcy proceedings) (company profile)author: katy yangpublication: hawaii business (magazine/journal)date: september 1, 1988publisher: hawaii business publishing co.volume: v34 issue: n3 page: p61(5)book content keywords : bankruptcy hawaii law anatomyposted by news at 2:09 am posted by news at 1:14 am 0 comments   avoid bankruptcy corporate financial distress and bankruptcy: predict and avoid bankruptcy, analyze and invest in distressed debt , 3rd edition (hardcover)by edward i. altman, edith hotchkissbook descriptiona comprehensive look at the enormous growth and evolution of distressed debt, corporate bankruptcy, and credit risk default this third edition of the most authoritative finance book on the topic updates and expands its discussion of corporate distress and bankruptcy, as well as the related markets dealing with high-yield and distressed debt, and offers state-of-the-art analysis and research on the costs of bankruptcy, credit default prediction, the post-emergence period performance of bankrupt firms, and more. edward i. altman (new york, ny) is the max l. heine professor of finance at the stern school of business, new york university. he received his mba and phd in finance from the university of california, los angeles. edith hotchkiss (chester hill, ma) is associate professor of finance at boston college. she received her phd from the stern school of business and her ba from dartmouth college.posted by news at 1:52 am posted by news at 12:46 am 0 comments   bankruptcy lawyer joins pepper hamilton bankruptcy lawyer joins pepper hamilton - leon r. barson joins pepper hamilton's bankruptcy practice as a partnerphiladelphia, pa - july 11, 2006 - lawfuel - law news network - pepper hamilton llp announced that leon r. barson has joined the firm as a corporate restructuring and bankruptcy partner resident in the philadelphia office."leon is a well-known and well-respected bankruptcy lawyer who has been in practice for more than 15 years in the philadelphia and wilmington areas," said robert e. heideck, pepper's executive partner. "his addition complements our bankruptcy group and will help us expand our middle market debtor's practice. we're delighted to have him join us.""pepper offers me the opportunity to enhance the services that i can provide to clients," said mr. barson, who previously was a shareholder with adelman lavine gold and levin, p.c., a bankruptcy boutique where he has practiced since 1991. "pepper has the resources to advise clients not only on bankruptcy issues, but also in many related areas of law, which is so important in sophisticated corporate restructurings."mr. barson focuses his practice on corporate reorganizations, workouts, debtors' and creditors' rights, and corporate transactions. he has represented parties in the restructuring, reorganization or sale of complex businesses in an array of industries, including the telecommunications, health care, manufacturing, hospitality, apparel and retail industries.his practice includes advising acquirers of financially distressed assets and providing counseling on business opportunities and the bankruptcy implications of strategic transactions. he counsels boards of directors, chief executive officers and other members of senior management with respect to their duties and obligations to, and exposures in connection with, financially challenged companies. he also represents borrowers in out-of-court restructuring transactions.a frequent author and lecturer on a variety of subjects related to business reorganizations, mr. barson is recognized in chambers usa: america's leading lawyers for business in the field of bankruptcy/restructuring (2005 and 2006 editions).mr. barson received his law degree from boston university school of law in 1990, and his undergraduate degree, magna cum laude, from new york university in 1987.pepper's bankruptcy and reorganization practice group handles a full range of debtor/creditor matters, regardless of the complexity, location, industry or market sector involved. members of the group, drawing on their own experience and the assistance of pepper's other practitioners, address many complex subjects necessary to the successful resolution of bankruptcy and reorganization matters, including environmental, collective bargaining, transportation, leveraged buyout, toxic tort, pension, intellectual property, health care, financial institution, mortgage banking, real estate, construction/surety, insurance and tax issues. pepper is one of the few national firms with a significant bankruptcy practice in wilmington, delaware, often a forum of choice for bankruptcy filings of national significance.pepper hamilton llp (www.pepperlaw.com) is a multi-practice law firm with 400 lawyers in six states and the district of columbia. the firm provides corporate, litigation and regulatory legal services to leading businesses, governmental entities, nonprofit organizations and individuals throughout the nation and the world. the firm was founded in 1890.posted by news at 12:39 am posted by news at 12:00 am 0 comments   saturday, august 12, 2006 ditech.com is known for offering low mortages ditech.com is known as being a leader in the direct lending industry. founded in 1995, ditech.com is a member of the general motors family of companies. a business unit of gmac mortgage, ditech.com delivers excellent customer service along with the security of being part of one of the largest mortgage companies in america. at ditech.com we meet our customer's expectations through our 24 hour/7 days a week full-service organization delivering competitive rates and a hassle-free loan experience.ditech.com offers the consumer a variety of products, including first mortgages, fixed rate second mortgages, variable equity lines of credit and no closing cost option equity seconds. the online capabilities allow the customer to communicate with knowledgeable loan agents from home, work or on the road.[excerpt from http://www.ditech.com]posted at 4:12 am posted by news at 9:18 pm 0 comments   mortgage companies bank on second mortgage loans mortgage companies bank on second mortgage loans: an article from: orange county business journal [html] (digital) by mathew padillathis digital document is an article from orange county business journal, most recently published by cbj, l. p. on october 12, 2003. the length of the article is 1126 words. the page length shown above is based on a typical 300-word page.citation detailstitle: mortgage companies bank on second mortgage loansauthor: mathew padillapublication: orange county business journal (news)date: october 12, 2003publisher: cbj, l. p.volume: 26 issue: 40 page: 51distributed by proquest information and learningposted at 3:43 am posted by news at 8:34 pm 0 comments   how to save thousands of dollars on your home mortgage how to save thousands of dollars on your home mortgage (paperback)by randy johnsonbook descriptionfind the home mortgage that’s right for youfinding the right mortgage can be complex, confusing, and frustrating. but that doesn’t mean you have to settle for anything other than the terms you want. this indispensable and newly updated second edition of how to save thousands of dollars on your home mortgage spells out everything mortgage hunters need to know in clear and accessible terms. it covers more loan alternatives than any other book and examines the importance of discount points. it offers complete details on virtually every mortgage option currently available, what advantages each option offers, how to choose the right one for your needs, and how to save money in the process. new information in this edition will help you use the internet to find a home and get a mortgage, examine automated underwriting models and conforming loan limits, and weigh new shopping strategies.easy-to-read charts and graphs, helpful sample forms, and numerous examples will help you understand:* first-time buyers programs* apr, buy-downs, reverse mortgages, accelerated payoffs, and zero point loans* refinancing strategies* closing costs, lender fees, and other expenses* how to dispute credit report errors and fix credit problems* how to use the internet for loan analysisposted at 2:22 am posted by news at 6:52 pm 0 comments   reverse mortgages for dummies reverse mortgages for dummies (paperback)by sarah glendon lyons, john e. lucasexcerpt - page 11 : "...a reverse mortgage is sometimes called a deferred payment loan, and for a very good reason."excerpt - page 155 : "...the standard option is a good choice for those who want flexibility with their loan and aren't necessarily getting a reverse mortgage to pay for a large purchase in the very near future..."book descriptionfor seniors who live on a fixed income, owning a home—and keeping it—can be financially challenging. rather than face the choice of selling your home and moving or becoming a home-owning pauper, reverse mortgage products let seniors convert part of their equity into tax-free income that can be used for anything—even mortgage payments, living expenses, or medical costs.reverse mortgages for dummies covers all the basics of reverse mortgage products so you and your adult children can understand and take full advantage of these handy loans—and keep the home you love. covering a full range of reverse mortgage options and topics, you’ll discover how to:* decide if a reverse mortgage is right for you* shop for the best reverse mortgage products* find out if your home is eligible* find a counselor who can help youwritten by sarah lyons, an assistant editor at mortgage originator magazine, and john lucas, an experienced reverse mortgage specialist, reverse mortgages for dummies explains these helpful loan products in simple, easy-to-understand language free of all the jargon. once you understand how reverse mortgages differ from other loans—and what you could do with your reverse mortgage—the book covers the specifics you need to find the right loan for you, including:* special advice for adult children helping their senior parents secure a loan* how to get a reverse mortgage and keep your second home legally* property requirements and financing fees* selecting among a multitude of lenders* spending and estimating leftover equity* sharing the decision-making process with family and loved onesif you’re a senior wondering whether a reverse mortgage can help you keep your home, this book gives you the information you need to make smart, informed decisions that are vital to you, and your family’s, security. reverse mortgages for dummies will help you keep your home and live the life you want.posted at 1:53 am posted by news at 5:19 pm 0 comments   reverse mortgages are ok for some but not all with costs rising, children of the elderly want to help their parents remain at home. expert says look carefully before making this lifetime decision.san rafael, ca (prweb) august 3, 2006 -- your folks’ home needs repair, health care costs are up, energy costs are soaring and your budget can’t cover all the costs. is suggesting that your parents take out a reverse mortgage (a way to receive the equity from a home without making any more payments) a good idea? an expert urges families in this situation to explore all alternatives before deciding because reverse mortgages are not the best choice for everyone.in her featured article published on parent care, financial expert debra morrison provides insights on this increasingly high profile topic. she shares that trying to predict whether parents will be able to stay in their homes long-term might be the most anxiety-producing variable of all because health changes could play havoc with a seemingly well-considered decision. only after fully understanding the tradeoffs of their parents’ unique situation should a recommendation be made.available throughout august on the parent care website, the article explains that types of reverse mortgages available, their potential benefits and limits. it also provides thoughtful insights about who, and who should not, consider them. if there is a significant difference in your parents’ ages, if assisted living or moving your folks in with you might be future considerations, morrison urges you to rethink the wisdom of taking a reverse mortgage.morrison, a certified financial planner, is responsible for client relationships for capital financial advisors, a san diego based fee-only wealth management firm. she has provided commentary in diverse media from cnn, to the wall street journal and america online.parent care ceo william gillis says “we’re delighted to have someone of debra morrison’s stature and experience to help our audience to understand a topic that may be crucial to them and their elderly parents.”about parent care, inc.parent care is the leading information provider to the country’s seven million long distance caregivers and their employers. its low cost subscription service provides each subscriber with an 8 – 10 page report on services in the county where the seniors live. it helps caregivers assess their parents’ needs, identify/evaluate service providers to assist them and anticipate future needs. the reports are complemented by seasonal information, monthly interactive articles, weekly chats, daily tips and 24/7 senior news.parent care, the parent care report and the parent care channel are registered trademarks of the firm.posted at 1:17 am posted by news at 4:53 pm 0 comments   rising mortgage rates and home purchase loans rising mortgage rates mean finding competitive home purchase loans is more important than everafter a five-year housing boom, mortgage rates are now reaching highs not seen in years. realestateloans.com offers a solution for homeowners with little time to search for affordable home purchase loans.(prweb) august 2, 2006 -- the beginning of july saw mortgage rates reaching four-year highs. the increasing rates have contributed to the normalizing market. as a result, homeowners that are thinking of refinancing or prospective homeowners are better off shopping a lot of lenders to find the best rates.realestateloans.com offers a solution for those that are looking for the competitive home purchase loans or refinance loans, but simply don’t have the time or resources to do it themselves.realestateloans.com is a mortgage clearinghouse whose sole purpose is to find the best rates for its clients for fha, zero down payment, sub-prime loans and more. they do this by searching the hundreds of lenders everyday. with one of the largest networks of real estate lenders and independent loan consultants in the country, their search can save current homeowners or prospective buyers thousands of dollars. gil kerbashian of realestateloans.com explains the common pitfall that most consumers find themselves in when shopping for home loans or commercial financing, "most consumers believe all banks are the same.it's just not so. many are not able to manage the different lending products offered by investors so they choose not to offer some loans. and because the bank’s loan officer can't offer the product, the bank client never see's the option." realestateloans.com massive network of lenders is the solution to avoid being pigeon-holed into what an individual bank can offer. the results are affordable home purchase loans and refinance loans that are tailored to their clients.kerbashian explains, "our company is positioned with a birds-eye view of what the industry is doing. we act as a mortgage clearinghouse. everyday we look at hundreds and hundreds of rates and see who nationally is offering the best terms. we offer that insider knowledge to our clients so that they receive access to the best terms the real estate loan industry has to offer."realestateloans.com's specialties are not limited to affordable home purchase loans either; they also offer apartment mortgage loans and other commercial real estate coverage. there website is also a great resource for learning the process of finding all types of home and commercial loans with a vast array of programs, from conventional conforming to jumbo, from zero down to no documentation. they have great tools like the rent vs. buy calculator, the yield maintenance calculator, and the loan payment calculator. they also keep their clients in the know with the extensive and helpful mortgage glossary that clears up any confusion about all of the terminology that is specific to the industry. with sections on both home loan links and commercial loan links, realestateloans.com encourages its customers to become educated on what they are looking for, whether its home or apartment loans, freddie mac or fannie mae loans online.for more information on affordable home purchase loans or commercial loans, please visit realestateloans.com.about realestateloans.com:a clearinghouse for mortgages, realestateloans.com is one of the largest networks of lenders and individual loan consultants in the country. they search rates daily to attain the best rate for their customers who may be interested in fha loans, interest only loans, piggyback loans and more.posted at 12:45 am posted by news at 4:17 pm 0 comments   nonprime mortgage loans - facts and statistics [excerpt from national home equity mortage association (www.nhema.org) on nonprime mortgage loans]what is a nonprime mortgage loan?nonprime, or non-conforming, mortgage loans are loans made to borrowers who, for any reason, cannot qualify for a prime loan. reasons might include income, employment history, loan size, past credit problems or other factors. without nonprime lenders, many of these people would have no access to mainstream credit markets at all.* annual nonprime home equity loan originations exceed $600 billion.* the average interest rate on a nonprime home equity loan in 2004 was just 7.65%. * the average loan-to-value ratio for a nonprime loan is 81%, compared to 76% for a conventional purchase mortgage.* the average nonprime mortgage loan is $130,000.who benefits from nonprime lending?millions of american homeowners from all 50 states and all walks of life use nonprime home equity loans to invest in building a better life – consolidating debts, financing education, making home improvements, and much more.* over 6 million homeowners hold nonprime mortgage loans.* the average nonprime mortgage borrower earns $54,165 a year.* between 30% and 50% of all americans are classified as nonprime borrowers.* the average nonprime borrower had a 638 fico (fair, isaac & co.) credit score in 2004, an increase from 607 in 2001.posted at 12:11 am posted by news at 3:51 pm 0 comments   mortgage calculators mortgage calculators to help you handle your mortgage payment calculations.# calculated industries 3415 qualifier plus iiixtechnical details* versatile buyer pre-qualifying for conventional and fha/va loans to show homes within price range* complete piti payment solutions to demonstrate interest only and other "what if" scenarios* amortization with remaining balances* calculate combo loans (80:10:10 and 80:15:05), bi-weekly loans, arms provide flexible payment options* easy rent vs. buy comparisons and estimated tax savings show benefits of ownershipproduct descriptionthe qualifier plus iiix is the most versatile and easy-to-understand real estate calculator on the market. provide fast and accurate payment solutions and qualify buyers on the spot! perfect for all real estate finance professionals - including agents brokers bankers mortgage originators title officers and trainers.# real estate calculator suiteproduct descriptionif real estate math or financial math stress you, real estate calculator suite is the help you need! the 16 real estate and financial calculators in real estate calculator suite give you the ability to play with your own financial numbers as you consider a real estate purchase. real estate calculator suite includes 2 quick calculators, 2 downpayment savings calculator, a pop up calculator, a mortgage qualifier, amortization calculator with monthly and annual schedules, loan spread calculator, a biweekly payment calculator, a refinancing calculator, an estimated closing cost calculator, home seller's proceeds calculator, rent or buy calculator, and prepayment calculator. based on wheatworks software's experience developing financial calculators for corporate real estate clients, real estate calculator suite is designed for real estate consumers and professionals.real estate calculator suite includes a date calculator, a fraction / decimal interest rate conversion table, sample text for closing credit accounts, a documentation list to help you gather your loan application paperwork, a home inspection form to help you review potential homes, a mover's to do list and useful tips for home buyers and sellers.this real estate software works with these windows operating systems: 95, 98, me, nt 4, 2000, xp home and xp pro.posted at 12:00 am posted by news at 3:19 pm 0 comments   banctec launches new product to help clients offer the best mortgages thursday, august 10, 2006banctec launches a new mortgage product to help packagers and lenders offer the best mortgages to their customers.press releases* submitter: banctec [view sourcewire pr company listings]* release date: 01-08-2006* 176 views on sourcewire* view all releases submitted by banctec* use tech response source .banctec launches new mortgage product maintenance service to cut costs for packagers and lenders1st august 2006, colnbrook, uk – banctec limited, the financial systems and outsourcing specialist, today announced a cost effective new mortgage product sourcing service for packagers and lenders. the service allows packagers and lenders to outsource the administration and maintenance of comprehensive mortgage product data, including fully codified product rules that facilitate automated underwriting.banctec managed services enables packagers and lenders to rapidly search the market for products that best meet customers’ individual needs, in compliance with fsa regulations. accurate, regulated key facts illustrations for the entire range of lenders’ and packagers’ offerings, including sub-prime and non-regulated products such as buy-to-let and equity release, are generated in an instant.upon payment of an initial set-up charge and ongoing maintenance fee packagers and lenders are immediately relieved of the immense, costly and time-consuming burden of regularly updating the product databases they rely on to match available products with customer requirements.for many years banctec has delivered effective outsourced services to a wide variety of financial services organisations, according to stringent, pre-defined service level agreements. “banctec’s experience in managing large-scale, high-volume document and data management projects, specifically in the financial sector, has enabled us to identify this service as one that offers tangible benefits to packagers and lenders operating in the mortgage sector,” commented james silcock, business development director of banctec.“our clients are saving money, providing accurate, up-to-date information to their customers and prospects in a timely manner, offering a more competitive service and releasing resources to focus on providing outstanding customer service. ultimately they are in a better position to offer the best mortgage solution to meet individual customer requirements.” stated silcock.- ends -about banctecbanctec is a worldwide systems integration, business process outsourcing (bpo), software and services company delivering high-volume, mission-critical solutions to automate and streamline data and paper-intensive business processes. banctec has deployed transaction solutions in over 50 countries and counts among its customers some of the most prominent companies in the world. as a leading worldwide solutions provider, over 50 million documents or items are captured and processed by banctec systems every day across the world.banctec managed services combines a unique approach to outsourcing with a high degree of flexibility, scalability and automation to provide unprecedented levels of service in the capture, processing and storage of many types of documents, payments and data sets.banctec complements its solution offerings with a line of proven hardware systems, backed by dependable service and support. more at: www.banctec.co.ukpress enquiries:james silcock or ian painterbanctec limitedtel: +44 (0)1753 778888email: james.silcock@banctec.co.uk or ian.painter@banctec.co.ukposted at 11:42 pm posted by news at 2:00 pm 0 comments   survey reveals how homeowners are paying off mortage loans including second mortages and home equity options press releaseditech.com survey reveals homeowners may be overlooking helpful personal finance optionscosta mesa, calif. - october 24, 2005 - ditech.com, a leading mortgagelender, today announced that the ditech.com u.s. homeowner's surveyrevealed that homeowners are focused on paying off their mortgages but itmay come at the cost of their overall personal financial future. whileone in three homeowners expects to have their mortgage paid-off withinthe next ten years, many are overlooking attractive financialopportunities that are right in front of them."u.s. homeowners are proving the critics wrong. the vast majoritybelieve they will pay off their mortgage and the average homeowner is morethan half way there," commented mike mccarthy, general manager,ditech.com. "it's clear that homeowners have the best of intentions but it'simportant that they fully understand the financial opportunities thattheir home presents for their family's financial future. proper evaluationof mortgage options can help households manage their financialpriorities without exhausting emergency savings, delaying retirement or beingforces into higher-interest alternatives like credit cards."u.s. homeowners are on track to pay off mortgagesditech.com's survey revealed that virtually all respondents havealready paid off, or are confident they will pay off their mortgages. despitechatter among skeptics in the industry, u.s. homeowners are looking topay their homes off within a decade and are already more than halfwaythere. key findings that demonstrate this trend include:- nine out of ten respondents have already paid off, or believe theywill pay off, their mortgages- u.s. homeowners surveyed have paid off an average of 53% of theirtotal mortgage (including all second mortages and home equity options)- 1 in 3 homeowners estimate they have less than $75,000 to pay offtheir mortgage- more than 1/4 of respondents (28%) believe they will pay off theirmortgage within the next ten yearsu.s. households may be overlooking important personal financing optionswhen it comes to their financial future, u.s. homeowners may not belooking at the full picture. survey results showed that, excludingmortgages, u.s. homeowners expect doctor bills and healthcare to be theirlargest household expenses in the next five years. however, when asked howthey plan to pay for these critical family costs, respondents pointedto using personal savings and delaying retirement before tapping intohome equity options."the home is a homeowners' biggest financial asset and, when usedproperly, it can deliver very high returns. we all face large expenses,ranging from healthcare to credit cards, and there are many ways to use amortgage as a smart financing tool to fund these costs withoutsacrificing financial security," continued mccarthy."by tapping into personal savings or using high-interest credit cards,you may not be exercising the best financial option for you and yourfamily. however, with the right home equity product, homeowners can havea personalized, flexible financial tool at their fingertips."key findings that demonstrate this trend include:- excluding their mortgage, u.s. homeowners cite doctor bills orhealthcare as their largest expense in the next five years.- 1 in 5 respondents over thirty cited doctor bills or healthcare astheir largest expense in the next five years- 1 in 3 respondents over fifty cited doctor bills or healthcare astheir largest expense in the next five years- u.s. homeowners cited home renovations as their second largesthousehold expense in five years- majority of homeowners think it is financially responsible to usehome equity for their largest future expenses.- 61% of respondents believe it is financially responsible to use homeequity to pay for medical expenses- 63% of respondents believe it is financially responsible to use homeequity to pay for home renovations- when asked how they personally plan to pay for their largest futureexpenses, home equity was not a part of the payment plan.- almost half of respondents (48%) reported that they would usepersonal savings.- over 1/4 of respondents (27%) said they plan to delay retirement.ditech.com and caravan opinion research corporation conducted anational telephone survey of 1,347 households nationwide between september 22and september 26, 2005. for a sample of 1,347 the margin is plus orminus three percentage points at the 95% confidence level.about ditech.comfounded in 1995, ditech.com® is a wholly owned subsidiary ofresidential capital corporation (rescap), which is owned by gmac financialservices. a business unit of gmac mortgage, ditech.com delivers excellentcustomer service along with the security of being part of one of thelargest mortgage companies in america. ditech.com offers the consumer avariety of products, including first mortgages, variable equity lines ofcredit and no closing cost equity seconds. the online capabilities allowthe customer to communicate with knowledgeable loan agents from home,work or on the road.posted at 11:19 pm posted by news at 1:15 pm 0 comments   the benefits of a second mortage so why get a second mortage? well, there are all sorts of reasons that you might want to free up the equity locked up in your home. you might not have considered that you could use a second mortgage to pay for so many different things, but in practice most second mortgage providers are not overly concerned what you decide to spend your money on.most people use the money to consolidate their other debts, which can be a good move – as long as you then resolve to keep that as the only debt you have.another common reason to get a second mortage is to finance home improvements and increase the value of your property still further. this can be a risky move, but if you know what you’re doing, it pays off. taking out a second mortgage to do something like build a conservatory is generally quite stupid, as they are unlikely to make back anywhere near what you paid for them. wooden floors and second bathrooms, on the other hand, are always sound investments if they are not already present.of course, if you’re planning to invest the money, there’s nothing to say that you have to invest it in your own home. some daring souls take the money and plough it into the stock market, or invest in starting up a business. the risk of failure is massive in such ventures, but if you pull it off, you’ll be doing really well.on the whole, it isn’t such a great idea to use a second mortage to take money that you have no way to recoup. if you spend it on a car, for example, you have no way of getting all the money back, as cars lose massive amounts of value the second you drive them out of the dealership. this is even more true for holidays, and college or university tuition.john gibb is the owner of second mortgage guide for more information on second mortgages check out http://www.2nd-mortgage-guidance1k.infoarticle source: http://ezinearticles.com/?expert=john_gibbposted at 10:43 pm posted by news at 12:50 pm 0 comments   mortgage companies bank on second mortage loans mortage companies bank on second mortage loans: an article from: orange county business journal [html] (digital) by mathew padillathis digital document is an article from orange county business journal, most recently published by cbj, l. p. on october 12, 2003. the length of the article is 1126 words. the page length shown above is based on a typical 300-word page.citation detailstitle: mortgage companies bank on second mortgage loansauthor: mathew padillapublication: orange county business journal (news)date: october 12, 2003publisher: cbj, l. p.volume: 26 issue: 40 page: 51distributed by proquest information and learningposted at 10:31 pm posted by news at 12:20 pm 0 comments   second mortgages a quick look at books which mention second mortgages :# mortgage encyclopedia: an authoritative guide to mortgage programs, practices, prices and pitfalls by jack guttentag (paperback - may 7, 2004)excerpt - page 12: "... frm rate you can obtain in the market. if the second rate is lower, which is ... arm needed to qualify?, interest-only mortgage/interest-only arms, second mortgages/ negative amortization arm may prevent a second ..."# investing for dummies, third edition by eric tyson (paperback - dec 6, 2002)excerpt - page 163: "... buy or refinance real estate. such loans are known as mortgages or second mortgages. private mortgage investments appeal to investors who don't like ..."excerpt - page 259: "...real estate dilemmas and decisions when to consider a home equity loan home equity loans, also known as second mortgages , allow you to borrow against the equity in your home in addition to the mortgage that you already have ..."# investment valuation: tools and techniques for determining the value of any asset, second edition by aswath damodaran (hardcover - jan 18, 2002)excerpt - page 216: "... perception than on fact. any homeowner who has taken a second mortgage on a house that has appreciated in value knows that ..."posted at 9:47 pm posted by news at 10:49 am 0 comments   books on home mortages a list of best selling guide books on home mortages :# mortgage encyclopedia: an authoritative guide to mortgage programs, practices, prices and pitfalls by jack guttentag (paperback - may 7, 2004)book descriptiona one-stop reference for in-depth explanations of mortgage topics with the creation of so many new, complex mortage programs, it's difficult for consumers --not to mention real estate agents, attorneys, closing agents, and mortgage brokers--to keep track of them all. written by nationally syndicated real estate columnist jack guttentag, the mortgage encyclopedia helps readers understand the various mortgage terms, features, and options by offering clear, precise explanations. the alphabetical organization of terms makes it easy to quickly find information on any topic, from fha, investor, and no-pmi loans to origination fee and rate float.# mortgages 101: quick answers to over 250 critical questions about your home loan (paperback) by david reedbook descriptionwith more people than ever before applying for new loans and refinancing, an easy-to-understand guide has become a necessity for anyone confused by the complicated issues at stake. mortgages 101 answers all the questions readers typically have, detailing all the latest changes in mortgage processes, and showing readers how to save money by:* understanding important terms like arms and hybrids -- and what's in the fine print * improving their credit scores to increase their borrowing power* using technology to get the lowest interest rates* maximizing their return on investment, and cutting the cost of mortgage insurancearranged in an easily accessible question-and-answer format, the book provides up-to-date lending formulas, as well as important information on lending requirements and application procedures. mortgages 101 contains all the information readers need to know, in one must-have reference.# the 106 mortgage secrets all homebuyers must learn--but lenders don't tell (paperback) by gary w. eldredbook descriptionone of america’s top real estate authorities explains the inside secrets of the mortgage businesseach year, more than ten million american homebuyers, homeowners, and realty investors enter the mortgage arena to finance or refinance their homes and rental properties. and each year, millions of borrowers pay more than they have to. but you won’t be one of them with gary eldred’s 106 mortgage secrets all homebuyers must learn–but lenders don’t tell.eldred explains all of your mortgage options and gives you the inside information you need to make the most intelligent money-saving choices. he simplifies the complicated math of mortgage financing and tells you how to make sure your loan rep is being honest with you.posted at 9:16 pm posted by news at 10:13 am 0 comments   allied home mortage capital corp opens new branch source: allied home mortgageallied home mortage capital corporation opens new branch office in wheatonwheaton, ill., aug. 1, 2006 (primezone) -- allied home mortage capital corporation (ahmcc) has opened a new branch in wheaton, illinois. the branch is the first one in the city and fourteenth in the state.dan yelovich will be the branch manager for the new office. he has over eleven years' experience in the mortgage banking industry. he has lived in the wheaton area for 20 years. he is married and has two children. dan is a graduate of wheaton college.the new branch will be located at 1755 south naperville road, suite 107, wheaton, illinois 60187 and can be reached at 630-510-3265 or dymortgage@aol.com. an open house will be held at their new office on tuesday, august 22, 2006 from 2:00 pm to 4:00 pm.about allied:founded in 1991, ahmcc is the largest privately held mortgage banker/broker in the u.s., with more than 650 offices operating in 49 states and the united states virgin islands. it offers a wide variety of mortgage products and services from over 800 lenders.in 2004 the company funded over $12 billion in loans and was named as one of "the top 25 tech-savvy lending firms" by mortgage technology magazine.for more information about the company, visit allied's websites at www.branchasap.com, www.mortgageasap.com and its spanish language site, www.prestamopronto.net.the allied home mortgage logo is available at http://media.primezone.com/prs/single/?pkgid=704contact: allied home mortgage capital corporationdan yelovich, branch manager(630) 510-3265dymortgage@aol.composted at 8:47 pm posted by news at 8:56 am 0 comments   nonprime mortage loans - facts and statistics [excerpt from national home equity mortage association (www.nhema.org) on nonprime mortage loans]what is a nonprime mortage loan?nonprime, or non-conforming, mortage loans are loans made to borrowers who, for any reason, cannot qualify for a prime loan. reasons might include income, employment history, loan size, past credit problems or other factors. without nonprime lenders, many of these people would have no access to mainstream credit markets at all.* annual nonprime home equity loan originations exceed $600 billion.* the average interest rate on a nonprime home equity loan in 2004 was just 7.65%.* the average loan-to-value ratio for a nonprime loan is 81%, compared to 76% for a conventional purchase mortgage.* the average nonprime mortgage loan is $130,000.who benefits from nonprime lending?millions of american homeowners from all 50 states and all walks of life use nonprime home equity loans to invest in building a better life – consolidating debts, financing education, making home improvements, and much more.* over 6 million homeowners hold nonprime mortgage loans.* the average nonprime mortgage borrower earns $54,165 a year.* between 30% and 50% of all americans are classified as nonprime borrowers.* the average nonprime borrower had a 638 fico (fair, isaac & co.) credit score in 2004, an increase from 607 in 2001.posted at 8:03 pm posted by news at 8:17 am 0 comments   reverse mortages for dummies reverse mortgages for dummies (paperback) by sarah glendon lyons, john e. lucasbook descriptionfor seniors who live on a fixed income, owning a home—and keeping it—can be financially challenging. rather than face the choice of selling your home and moving or becoming a home-owning pauper, reverse mortgage products let seniors convert part of their equity into tax-free income that can be used for anything—even mortgage payments, living expenses, or medical costs.reverse mortgages for dummies covers all the basics of reverse mortgage products so you and your adult children can understand and take full advantage of these handy loans—and keep the home you love. covering a full range of reverse mortgage options and topics, you’ll discover how to:* decide if a reverse mortgage is right for you* shop for the best reverse mortgage products* find out if your home is eligible* find a counselor who can help youwritten by sarah lyons, an assistant editor at mortgage originator magazine, and john lucas, an experienced reverse mortgage specialist, reverse mortgages for dummies explains these helpful loan products in simple, easy-to-understand language free of all the jargon. once you understand how reverse mortgages differ from other loans—and what you could do with your reverse mortgage—the book covers the specifics you need to find the right loan for you, including:* special advice for adult children helping their senior parents secure a loan* how to get a reverse mortage and keep your second home legally* property requirements and financing fees* selecting among a multitude of lenders* spending and estimating leftover equity* sharing the decision-making process with family and loved onesif you’re a senior wondering whether a reverse mortage can help you keep your home, this book gives you the information you need to make smart, informed decisions that are vital to you, and your family’s, security. reverse mortages for dummies will help you keep your home and live the life you want.posted at 7:31 pm posted by news at 7:44 am 0 comments   reverse mortages are ok for some but not all with costs rising, children of the elderly want to help their parents remain at home. expert says look carefully before making this lifetime decision.san rafael, ca (prweb) august 3, 2006 -- your folks’ home needs repair, health care costs are up, energy costs are soaring and your budget can't cover all the costs. is suggesting that your parents take out a reverse mortage (a way to receive the equity from a home without making any more payments) a good idea? an expert urges families in this situation to explore all alternatives before deciding because reverse mortages are not the best choice for everyone.in her featured article published on parent care, financial expert debra morrison provides insights on this increasingly high profile topic. she shares that trying to predict whether parents will be able to stay in their homes long-term might be the most anxiety-producing variable of all because health changes could play havoc with a seemingly well-considered decision. only after fully understanding the tradeoffs of their parents’ unique situation should a recommendation be made.available throughout august on the parent care website, the article explains that types of reverse mortages available, their potential benefits and limits. it also provides thoughtful insights about who, and who should not, consider them. if there is a significant difference in your parents’ ages, if assisted living or moving your folks in with you might be future considerations, morrison urges you to rethink the wisdom of taking a reverse mortage.morrison, a certified financial planner, is responsible for client relationships for capital financial advisors, a san diego based fee-only wealth management firm. she has provided commentary in diverse media from cnn, to the wall street journal and america online.parent care ceo william gillis says “we’re delighted to have someone of debra morrison’s stature and experience to help our audience to understand a topic that may be crucial to them and their elderly parents.”about parent care, inc.parent care is the leading information provider to the country’s seven million long distance caregivers and their employers. its low cost subscription service provides each subscriber with an 8 – 10 page report on services in the county where the seniors live. it helps caregivers assess their parents’ needs, identify/evaluate service providers to assist them and anticipate future needs. the reports are complemented by seasonal information, monthly interactive articles, weekly chats, daily tips and 24/7 senior news.parent care, the parent care report and the parent care channel are registered trademarks of the firm.full title of the home is retained without any risk of losing the home to the lender. and no matter what happens to the housing market, seniors can never owe more than the value of their home when it is sold.when the last-remaining parent passes away while living in the home, the heirs simply pay off the reverse mortgage principal plus accrued interest. if heirs want to keep the home in the family, a new traditional mortgage can be arranged.if no one in the family is interested in keeping the home, it can be sold to repay the loan. any money left over goes to the estate to be shared according to the seniors' last wishes.for more information on a california reverse mortgage loan please call 866 398 4664 or go to:freefinancialconsulting.com offers free, no obligation, advice in all areas of personal finance including insurance and home loans. in addition to california reverse mortgage information, advice on other mortgage products such as refinance and debt consolidation is available.company: camelot marketingcontact person: keith hunte-mail: camelot21@mindspring.comphone: 9099871233site: http://www.freefinancialconsulting.composted at 6:49 pm posted by news at 7:02 am 0 comments   more mortage loan calculators # creative creek's software turns your pda into a high-end scientific and mortage loan calculator :mathu 153; 3.0advanced rpn scientific and financial calculator for palm osmathu 153; is software that turns your palmos handheld computer into a reverse polish notation (rpn) scientific and financial calculator. the software has a natural calculator interface that allows you to easily access the many scientific functions as well as mortage and loan functions.mathu 153; is a reverse polish notation (rpn) scientific and financial calculator for the palmos handheld computers.# easy mortage calculator from ashkon software, allows you instantly determine your monthly mortgage payments, total payments, total interest and prepayment savings with a fixed interest rate schedule. one time down payment or monthly prepayment calculation options are available. major banks compete for your mortgage, refinance and home equity loan, make the right choice.posted at 6:49 pm posted by news at 6:24 am 0 comments   mortage loan calculator from felitec a mortage loan calculator from felitec called the loan and mortgage 153; - amortization schedule calculator is able to handle any type of loan.loan and mortgage 153; calculates amortization schedules for american and canadian mortgages, personal loans, car loans and miscellaneous other kind of loans. for each installment of a loan or mortgage, it calculates amortization details such as...* installment date,* number of days since last installment* installment interest,* installment principal,* interest to date,* principal to date and* loan balance* interest factorposted at 6:01 pm posted by news at 5:58 am 0 comments   mortage rates fall to new low press releasesource: bankrate, inc.bankrate: mortgage rates fall to three-month lowthursday august 3, 7:30 am etnew york, aug. 3 /prnewswire-firstcall/ -- mortgage rates declined for the third time in the last four weeks on the heels of slower second quarter economic growth. the average 30-year fixed rate mortgage fell to 6.65 percent, the lowest since april 26. according to bankrate.com's weekly national survey of large lenders, the 30-year fixed rate mortgages had an average of 0.3 discount and origination points.the average 15-year fixed rate mortgage, popular for refinancing, dropped by a similar amount to 6.3 percent. on larger loans, the average jumbo 30-year fixed rate declined to 6.86 percent. adjustable rate mortgages also declined. the average 5/1 adjustable rate mortgage slid to 6.36 percent, and the average one-year arm retreated to 6.03 percent.validation that the economy did indeed grow at a slower pace pushed mortgage rates lower this week. the initial gross domestic product for second quarter revealed a growth rate of 2.5 percent, but mortgage rates have fallen by one-quarter percentage point in the past month on mounting evidence that the economy is downshifting. slower economic growth increases demand for long- term government bonds and reduces fears of inflation over a long horizon. both send treasury yields lower. mortgage rates are closely related to yields on long-term treasury securities.fixed mortgage rates are nearly three-quarters of a percentage point higher than one year ago. one year ago, the average 30-year fixed mortgage rate was 5.91 percent, meaning that the monthly payment on a loan of $165,000 was $979.73. with the average 30-year fixed rate now 6.65 percent, the same loan originated today would carry a monthly payment of $1,059.24. despite recent increases, fixed mortgage rates remain an attractive refinancing alternative for adjustable rate borrowers facing sharp payment adjustments.survey results30-year fixed: 6.65% -- down from 6.77% last week (avg. points: 0.3)15-year fixed: 6.3% -- down from 6.39% last week (avg. points: 0.32)5/1 arm: 6.36% -- down from 6.47% last week (avg. points: 0.28)bankrate's national weekly mortgage survey is conducted each wednesday from data provided by the top 10 banks and thrifts in the top 10 markets.for a full analysis of this week's move in mortgage rates, go to: http://www.bankrate.com/mortgageratesthe survey is complemented by bankrate's weekly forward-looking rate trend index, in which a panel of mortgage experts predicts which way the rates are headed over the next 30 to 45 days. the panelists say rates are unlikely to fall further. half of respondents expect rates to rise, and 40 percent say rates will remain unchanged. just 10 percent predict that rates will decline in the next 30 to 45 days.for the full mortgage rate trend index, go to: http://www.bankrate.com/rtiabout bankrate, inc.bankrate, inc. (nasdaq: rate - news) owns and operates bankrate.com, a leading internet consumer banking marketplace. bankrate.com is a destination site of personal finance channels, including banking, investing, taxes, debt management and college finance. it is the leading aggregator of more than 300 financial products, including mortgages, credit cards, new and used auto loans, money market accounts and cds, checking and atm fees, home equity loans and online banking fees. bankrate.com reviews more than 4,800 financial institutions in 575 markets in 50 states. in 2005, bankrate.com had over 46 million unique visitors. bankrate.com provides financial applications and information to a network of more than 75 partners, including yahoo! (nasdaq: yhoo - news), america online (nyse: twx - news), the wall street journal (nyse: dj - news) and the new york times (nyse: nyt - news). bankrate.com's information is also distributed through more than 400 national and state publications. in addition to bankrate.com, bankrate, inc. also owns and operates fastfind, an internet lead aggregator and mmis/interest.com, which publishes mortgage guides and financial rates and information.note to editors:interviews: the reporters, financial experts and management team are available for print, web, radio and tv interviews -- live or taped.analysis, fact checking: our personal finance experts can offer insights, quotes, background, research and rate data.radio: the bankrate personal finance minute for radio is available for broadcast. multiple talkers available for shows -- live or taped.tv: our experts are experienced with live and taped segments. we have talkers available via satellite feed.print/web: award-winning reporters and editors creating thousands of evergreen and fresh articles for your paper or site.editor alert: receive breaking news from bankrate via your e-mail: http://www.bankrate.com/editorsalertlearn more about bankrate management:http://www.bankrate.com/coinfo/staff.aspuse bankrate.com's press page: http://www.bankrate.com/broadcastfor more information, contact:kayleen keneallydirector, corporate communicationskkeneally@bankrate.com917-368-8677posted at 5:12 pm posted by news at 5:17 am 0 comments   mortage calculators mortage calculators to help you handle your mortage payment calculations.# calculated industries 3415 qualifier plus iiixtechnical details* versatile buyer pre-qualifying for conventional and fha/va loans to show homes within price range* complete piti payment solutions to demonstrate interest only and other "what if" scenarios* amortization with remaining balances* calculate combo loans (80:10:10 and 80:15:05), bi-weekly loans, arms provide flexible payment options* easy rent vs. buy comparisons and estimated tax savings show benefits of ownershipproduct descriptionthe qualifier plus iiix is the most versatile and easy-to-understand real estate calculator on the market. provide fast and accurate payment solutions and qualify buyers on the spot! perfect for all real estate finance professionals - including agents brokers bankers mortgage originators title officers and trainers.# real estate calculator suiteproduct descriptionif real estate math or financial math stress you, real estate calculator suite is the help you need! the 16 real estate and financial calculators in real estate calculator suite give you the ability to play with your own financial numbers as you consider a real estate purchase. real estate calculator suite includes 2 quick calculators, 2 downpayment savings calculator, a pop up calculator, a mortgage qualifier, amortization calculator with monthly and annual schedules, loan spread calculator, a biweekly payment calculator, a refinancing calculator, an estimated closing cost calculator, home seller's proceeds calculator, rent or buy calculator, and prepayment calculator. based on wheatworks software's experience developing financial calculators for corporate real estate clients, real estate calculator suite is designed for real estate consumers and professionals.real estate calculator suite includes a date calculator, a fraction / decimal interest rate conversion table, sample text for closing credit accounts, a documentation list to help you gather your loan application paperwork, a home inspection form to help you review potential homes, a mover's to do list and useful tips for home buyers and sellers.this real estate software works with these windows operating systems: 95, 98, me, nt 4, 2000, xp home and xp pro.posted at 4:51 pm posted by news at 4:49 am 0 comments   a mortage calculator gauges best mortgage deals independent calculator gauges best mortgage dealswednesday, 26 july 2006, 10:46 ampress release: word of mouth mediamedia release - july 26, 2006independent calculator busy gauging best deals in the rising mortage rate marketan independent mortgage calculator to beat rising interest rates is receiving significant interest as the reserve bank announces its official cash rate (ocr) tomorrow.financial commentators are forecasting the possibility of another rate rise this year as the reserve bank battles to hold down inflation, running at 4.0 percent, which is the highest in 16 years.tomorrow, the reserve bank will announce its stance on the ocr, though no change is expected to the current 7.25 per cent rate, butmortgage rates are continuing to rise.today, online financial commentator www.interest.co.nz said many of new zealand's 1.16 million mortgages will soon be rolling over.the company has just launched a mortage calculator, to help people with mortgages by deciding the best option when their fixed-term rate contract was up for rollover.interest.co.nz publisher david chaston said 82.5 percent of people with home mortages were looking around at the best deal for fixed rates.it is estimated that more than half of all mortgages – more than $60 billion in contracts – will be up for review in the next year, and a disproportionate number will be due in the next six months."two year bank fixed rates range from 7.85% to 8.30%. banks with lower rates will soon be raising them,"’ chaston said today."there are a very wide range of options available so people with mortgages – which is most of us – need to work out is the best for them.""the mortgage calculator on our website allows home-owners to compare two competing mortgage offers, and instantly see the total cost comparison which is something bank calculators won't tell you.""it lets you explore for the best set-up. it will show what interest rate you can afford."posted at 4:31 pm posted by news at 4:26 am 0 comments   a mortgage calculator gauges best mortgage deals independent calculator gauges best mortgage dealswednesday, 26 july 2006, 10:46 ampress release: word of mouth mediamedia release - july 26, 2006independent calculator busy gauging best deals in the rising mortgage rate marketan independent mortgage calculator to beat rising interest rates is receiving significant interest as the reserve bank announces its official cash rate (ocr) tomorrow.financial commentators are forecasting the possibility of another rate rise this year as the reserve bank battles to hold down inflation, running at 4.0 percent, which is the highest in 16 years.tomorrow, the reserve bank will announce its stance on the ocr, though no change is expected to the current 7.25 per cent rate, butmortgage rates are continuing to rise.today, online financial commentator www.interest.co.nz said many of new zealand ‘s 1.16 million mortgages will soon be rolling over.the company has just launched a mortgage calculator, to help people with mortgages by deciding the best option when their fixed-term rate contract was up for rollover.interest.co.nz publisher david chaston said 82.5 percent of people with home mortgages were looking around at the best deal for fixed rates.it is estimated that more than half of all mortgages – more than $60 billion in contracts – will be up for review in the next year, and a disproportionate number will be due in the next six months."two year bank fixed rates range from 7.85% to 8.30%. banks with lower rates will soon be raising them,"’ chaston said today."there are a very wide range of options available so people with mortgages – which is most of us – need to work out is the best for them.""the mortgage calculator on our website allows home-owners to compare two competing mortgage offers, and instantly see the total cost comparison which is something bank calculators won't tell you.""it lets you explore for the best set-up. it will show what interest rate you can afford."posted at 3:57 pm posted by news at 3:52 am 0 comments   mortgage interest rate digital guide books# hybrid mortgages: a solution to rising mortgage interest rates: an article from: healthcare financial management by william g kistner (digital - may 31, 2000) - htmlbook descriptionrising interest rates may lead home buyers to seriously consider a fixed-period adjustable loan. this hybrid loan promises a fixed interest rate for a specified period. after the fixed-rate period ends, the interest rate typically is adjusted every year. in exchange for risking an increase in rates at the end of the fixed period, the borrower is rewarded with an initial interest rate that is somewhat lower than rates on comparable 30-year fixed-rate mortgages, but higher than a one-year adjustable-rate mortgage.this digital document is an article from healthcare financial management, most recently published by healthcare financial management association on may 31, 2000. the length of the article is 665 words.citation detailstitle: hybrid mortgages: a solution to rising mortgage interest ratesauthor: william g kistnerpublication: healthcare financial management (feature)date: may 31, 2000publisher: healthcare financial management associationvolume: 54 issue: 5 page: 96-98distributed by proquest information and learning# low interest rates keep home price growth robust.(real estate special supplement)(lowest mortgage interest rates in 45 years): an article from: fairfield county business journal (digital - sep 15, 2003) - htmlbook descriptionthis digital document is an article from fairfield county business journal, published by westfair communications, inc. on september 15, 2003. the length of the article is 4284 words.citation detailstitle: low interest rates keep home price growth robust.(real estate special supplement)(lowest mortgage interest rates in 45 years)publication: fairfield county business journal (magazine/journal)date: september 15, 2003publisher: westfair communications, inc.volume: 42 issue: 37 page: s4(1)distributed by thomson galeposted at 3:55 pm posted by news at 3:21 am 0 comments   mortage interest rate digital guide books# hybrid mortgages: a solution to rising mortage interest rates: an article from: healthcare financial management by william g kistner (digital - may 31, 2000) - htmlbook descriptionrising interest rates may lead home buyers to seriously consider a fixed-period adjustable loan. this hybrid loan promises a fixed interest rate for a specified period. after the fixed-rate period ends, the interest rate typically is adjusted every year. in exchange for risking an increase in rates at the end of the fixed period, the borrower is rewarded with an initial interest rate that is somewhat lower than rates on comparable 30-year fixed-rate mortages, but higher than a one-year adjustable-rate mortgage.this digital document is an article from healthcare financial management, most recently published by healthcare financial management association on may 31, 2000. the length of the article is 665 words.citation detailstitle: hybrid mortgages: a solution to rising mortgage interest ratesauthor: william g kistnerpublication: healthcare financial management (feature)date: may 31, 2000publisher: healthcare financial management associationvolume: 54 issue: 5 page: 96-98distributed by proquest information and learning# low interest rates keep home price growth robust.(real estate special supplement)(lowest mortage interest rates in 45 years): an article from: fairfield county business journal (digital - sep 15, 2003) - htmlbook descriptionthis digital document is an article from fairfield county business journal, published by westfair communications, inc. on september 15, 2003. the length of the article is 4284 words.citation detailstitle: low interest rates keep home price growth robust.(real estate special supplement)(lowest mortage interest rates in 45 years)publication: fairfield county business journal (magazine/journal)date: september 15, 2003publisher: westfair communications, inc.volume: 42 issue: 37 page: s4(1)distributed by thomson galeposted at 3:16 pm posted by news at 2:47 am 0 comments   how to mitigate rising mortgage interest rate rising mortgage rates - and how to mitigate themthursday, 20 july 2006, 9:42 ampress release: interest.co.nzmedia releasejust like petrol prices, mortgage rates are rising dramatically, and right when a disproportionate number of loans are up for re-fixing. interest.co.nz looks at why this is happening now, and what mortgage consumers can do to mitigate these rising costs.interest.co.nz has today launched its new and powerful mortgage calculator, designed to help people with the classic mortgage problem – how to decide what is the best option when a fixed-term rate contract is up for rollover. see http://www.interest.co.nz/calculatorit has been a little over two years since the outbreak of the so-called 'mortgage war' where bnz withdrew from working with brokers, and claimed to be able to pass the resulting savings on directly to homeowners.it took a few months for the other banks to react but since then, consumers have benefited from fixed mortgage rates that have been lower than they would otherwise have been.this ‘war’ started with loud bangs and much shouting. consumers accelerated their shift away from floating rate products to fixed rate contracts, lowering their monthly repayments.the shift from floating to fixed is impressive. in july 2004, almost one third, or 31% of $91.2 billion in residential mortgages were floating. today, only 17.5% of $118.8 billion are floating.that competition for your mortgage has also seriously undermined the rbnz’s inflation targeting tool, the ocr.the sharp end of bnz’s market attack was aimed at winning two-year fixed contracts – and as it is now two years since these market shifts started, there will be huge volumes of contracts coming up for renewal in the second half of 2006.it is estimated that more than half of all mortgages – more than $60 billion in contracts – will be up for review in the next year, and a disproportionate number will be due in the next six months.in anyone’s language, $60 billion is a huge number. put in perspective, that is worth about the total value of all nz’s international trade for a year – imports plus exports.advertisementtwo years ago (july 2004), contracts were being done for a 2-year fixed mortgage at between 7.35% (hsbc bank) and 7.60% (asb banks).today, borrowers are looking at between 7.75% (kiwibank) and 8.30% (hsbc), and rises are being announced every few days. those institutions offering lower rates will soon be raising them. and all institutions are facing higher costs of funds which will mean rates will keep on rising further than where they are now.most borrowers could be facing increases of at least 1.0% in their interest rate – on a $100,000 mortgage, repayments will rise at least $13.32 per week, or $693 per year, for a 15 year mortgage.two years on, the really sharp rates are at longer contract terms – some of the lowest rates are for five year fixed contracts.but look further behind the advertised offers, and the position is less clear. some banks offer worthwhile discounts for certain products – and some require a monthly fee for those benefits.as an example, westpac’s redpac program currently offers a rate of 7.55% for a loan of at least $250,000 fixed for 5 years. if you are coming off an old 2 year contract at 7.40%, the monthly repayment penalty will be easier to take, than say, bnz’s 7.70% equivalent rate. with free banking, discounted insurance, and other benefits, it could save you even after accounting for the redpac monthly fee of $25 per month.the point is, there are a very wide range of options out there, and the only way to really find the best lowest-cost choice for you, is to “do-the-math” !a new and sophisticated tool has been launched by www.interest.co.nz to do just that. their new and independent mortgage calculator enables anyone to compare two competing mortgage offers, and instantly see the total cost comparison – something bank calculators won’t tell you.it also lets you explore for the best set-up. in the same tool, you can easily see what the effect is of lengthening your loan period, or shortening it. it easily recalculates how much you can borrow. it will even show what interest rate you can afford.should you repay weekly, or fortnightly, rather than monthly? how do end-of-loan balloon repayments affect your outgoings?and above all, what are the impacts on all of the above variables on your total cost?working through the numbers is the only way you can be sure you have made a smart mortgage rollover decision, and this new calculator is a powerful and sophisticated tool for that purpose.this new and accelerating round of rate rises is being caused directly by a sharp increase in wholesale funding. swap rates are rising across the board, and the swap market is the mechanism by which international money is drawn into new zealand for use in financing our housing transactions. fast economic growth in the usa, china, and a number of other large economies, and a recovery in europe, along with fast rising oil and other commodity prices, is putting serious upward pressure on global inflation rates. central banks are responding with rising policy rates. higher international rates flow directly into new zealand mortgage pricing – and there is little likelihood in the short term that there will be either a pause or rollback in rate direction.posted at 2:40 pm posted by news at 2:08 am 0 comments   hellolender.com exposes why filling out an online mortgage quote form is not safe the hellolender.com "one call one lender" ™ concept was founded in early 2006 and started by a group of mortgage brokers and consumers, with one goal in mind, creating a safer environment for loan officers to buy mortgage leads and for consumers to consult with licensed mortgage professionals.roanoke, va (prweb) july 31, 2006 -- the hellolender service is 100% free for consumers. using the hellolender network is the safe choice for consumers that are shopping for a home loan. each and every lender that is a part of hellolender's fast growing network is a licensed mortgage professional.this mortgage quote system takes the "online quote form" out of the game and puts the consumer right on the phone with a verified licensed loan officer in their area within seconds. this eliminates hundreds of unwanted solicitations that usually result in filling out an online quote form and eliminates the possibilities of financial fraud by releasing your personal financial data online. many times when a consumer fills out an online mortgage quote form they are swamped by a flurry of unwanted phone calls and solicitations.hellolender's ™ vp of marketing scott ferguson interviewed a mortgage lead purchased from a well-known mortgage lead firm that generates leads online. the interview revealed some shocking information. heather benson of san diego, ca filled out an online quote form over 60 days ago and was still getting dozens of phone calls daily of loan officers who keep buying her data online, she also gets dozens of calls weekly from other companies that prey on homeowners. credit card companies, lawn treatments, home security, home improvement, payday loans, driveway sealers, insurance companies, these are just a few of the types of companies that still call heather all week long. she also stated that she gets hundreds of unsolicited email ads weekly from filling out the quote form, including adult related ads. to top it all off she never even closed a loan deal with anyone due to a high dti ratio (debt to income).when asked, here is what heather had to say about her experience filling out an online quote form: "i wish i had found hellolender ™ before filling out a form online. it has been a nightmare. the only way i can stop the phone calls is to pay the phone company to change my phone number. then i would have to contact all of my friends, family, and associates to tell them my new phone number. i have had the same number for 5 years, and then this happened to me. i will never fill out an online form again. ever!"scott ferguson of hellolender advised heather and helped her add her numbers and email addresses to the national dnc list (do not call list) and email removal database of many agencies that help clean up spam online.consumers are advised to read the warnings about filling out an online quote form. you can read the warnings on hellolender's website. with over 50 years of combined internet marketing and mortgage experience this company has a lot of inside information to share with the public.lenders seeking mortgage leads have flocked to hellolender's ™ network to receive more mortgage business. hellolender ™ has some great benefits when it comes to generating mortgage leads with their system. never calling or buying internet mortgage leads again. the system is designed to deliver exclusive phone calls from consumers that are shopping for a new home loan or looking to refinance directly to the lenders phone. this eliminates a lot of question as to the quality or exclusiveness of the mortgage lead.consumers and mortgage companies can find out more about hellolender.com by visiting the website or calling toll free at 1-877-22-hello. hellolender.com is owned by financial media group llc of va.© copyright 1997-2006, prweb®. prweb is a registered trademark of prweb international, inc.posted at 1:52 pm posted by news at 1:50 am 0 comments   refinance second mortgage handy tips to keep in mind when seeking to refinance second mortgages.mortgage refinancing: comparison shopping will save you moneyby louie latourif you are in the process of refinancing your mortgage or applying for a home equity loan, comparison shopping will help you find the best loan. here are tips to help you find the best loan for your situation while avoiding common mistakes.carefully shopping for the best mortgage will save you money and headaches down the road. when you research mortgage lenders and their loan offers, you will be able to narrow down the most competitive offers for your situation. choosing the right mortgage will help you avoid future hassles when you need to refinance or add a second mortgage. the internet is an excellent tool for researching mortgage offers. there are many nationwide lenders that offer excellent loan packages for any financial situation; you just have to find them.compare all aspects of the loan offersmany homeowners make the mistake of only comparing interest rates. if you do this you may overlook closing costs or other expenses that can easily cause you to overpay for your new mortgage. comparing loan terms is also an important aspect of shopping for a new mortgage. if you choose an adjustable rate mortgage you need to pay close attention to the introductory rate period and the caps. caps vary widely from one mortgage company to the next and can cost you a significant amount of money and aggravation if they are not structured properly.fees are another important aspect to consider; all lenders charge different fees and the fees you pay are subject to negotiation. don’t be afraid to haggle over lender fees; in today’s economy the mortgage lenders need your business more than you need theirs.do your homeworkdoing your homework before shopping for a mortgage, will help you spot a good mortgage offer when you see it. you need to familiarize yourself with mortgage terminology, fees, and the closing process to make refinancing easier for you. you can learn more about finding the best mortgage for your financial situation and how to avoid making common mistakes by registering for a free mortgage guidebook.to get your free mortgage guidebook visit refiadvisor.com using the link below.louie latour specializes in showing homeowners how to avoid common mortgage mistakes and predatory lenders. for a free copy of "mortgage refinancing: what you need to know," which teaches strategies to find the best mortgage and save thousands of dollars in the process, visit refiadvisor.com.claim your free guidebook today at: http://www.refiadvisor.commortgage refinancearticle source: http://ezinearticles.com/?expert=louie_latourposted at 1:11 pm posted by news at 1:09 am 0 comments   suicide loans: piggyback mortgages default by up to 50% seattle, july 19 /prnewswire/ -- "this is precisely what i have been warning the public about. it's the first sign of the tsunami of defaults and foreclosures that are coming," cautions consumer advocate and international mortgage reduction expert, harj gill.gill, who is also the founder, president and ceo of american mortgage educators, inc., has been on a one-man crusade warning homeowners of the risks associated with exotic mortgages and urging them to take immediate action to avoid going into default.according to gill, piggyback mortgages, which are a combination of two loans packaged together and closed simultaneously, represent just one of many non-traditional mortgages that have put homeowners at risk of losing their homes.typically for people with little or no down payment, the amount for the first mortgage is set so it does not exceed 80% of the home's value. this allows the borrower to avoid paying mortgage insurance (mi). the remaining loan amount is financed as a second mortgage by way of a home equity loan or a home equity line of credit (heloc) and "piggybacked" onto the first."i have always said this is a good solution to avoid mi, but a terrible long term strategy," said gill.gill's assertion is supported by the latest analysis by standard & poor's, an influential wall street ratings agency, which analyzed nearly 640,000 piggyback first-lien mortgages in bond pools. s&p discovered that first-lien mortgages connected with piggyback loans are 43% more likely to go into default than stand-alone first mortgages of comparable size. the default rate increases to a whopping 50% for borrowers with a fico credit score of 660 or less.according to smr research, lenders and mortgage brokers whose commissions are based on loan size, have aggressively promoted these loans because the first-lien portion of piggybacks tends to be larger than standard first mortgages.gill warns that borrowers with these loans should be ultra concerned because they are concentrated in metropolitan areas with the greatest risk of experiencing a fall in housing prices."if borrowers start to go into default in a declining property market, they will be committing financial suicide by having their credit destroyed and still being burdened with a debt well after they lose their homes," said gill.a 2005 smr research study confirmed that many of the largest u.s. counties in population and mortgage market size have huge portions of home loans as piggybacks, some by as much as 62%. these include california, washington, colorado, virginia, arizona, nevada, oregon, illinois, georgia, massachusetts, north carolina, utah, florida, texas, and missouri.the danger, according to gill, is that unlike standard mortgages with fixed-interest rates, borrowers with adjustable rate piggybacks are not prepared for rate hikes that increase their payments.gill's recommendation is for borrowers to immediately reduce their interest payments and get a forecasting tool to determine the critical interest rate at which they are likely to go into default.he says those with helocs can use a little known banking principle to reduce their interest payments."interest on your heloc is calculated on the daily balance. so instead of having your income sitting in a checking account earning no interest, borrowers should 'park' those funds in their heloc to immediately reduce the daily balance and thereby reduce the amount of interest they pay," advised gill.of course borrowers need to ensure they have a heloc with the right features and proper setup to take advantage of this strategy. for those without a heloc, gill recommends refinancing the second mortgage into one with features that enables this."by asking the right questions, you should be able to refinance the second mortgage at almost no cost," advises gill.to assist borrowers, he has prepared a critical report explaining how to apply this strategy and refinance the second mortgage on his consumer information center www.mortgagefreeusa.com"i expect every mortgage broker, loan officer, lender and real estate agent that knowingly put a client into a piggyback mortgage to contact them and tell them to read this critical report," said gill."not doing this truly shows that you were only in it for the money and not to help your clients."source: american mortgage educators, inc.posted at 1:46 am posted by news at 12:33 am 0 comments   countrywide home loans dominates adjustable rate mortgage market countrywide home loans dominates adjustable rate mortgage marketcomprehensive product line leads industry leader to #1 rankingcalabasas, calif., june 2 /prnewswire/ -- national mortgage news recently reported that countrywide home loans, inc., a national leader in residential finance, funded $28.8 billion in adjustable rate mortgages (arms) during the fourth quarter of 2003, making it the nation's top arm funder. this announcement follows countrywide's launch last year of an aggressive campaign to inform consumers and business partners that its comprehensive line of adjustable rate mortgages (arms) was an ideal solution to fluctuating interest rates. now, the company has dominated the arm market, thanks to the creativity of its product development experts, its best-of-class sales force, its affiliation with treasury bank, n.a., a member of the countrywide family of companies, and strong relationships with the government-sponsored enterprises (gses) that support arm production."countrywide has a long history of working to meet the needs of borrowers. our determination to dominate the arm market builds on that history," said stan kurland, president of countrywide financial corporation. "as of march 2004, more than 40 percent of our retail and wholesale nonconforming fundings were for adjustable rate products. the arm product menu is strong and deep, enabling consumers and business partners to meet their financial goals in ways that are affordable and beneficial, despite the recent rise in interest rates."countrywide's arm product menu includes hybrid arms (fixed for an initial period and then the rate adjusts like an arm) and traditional conforming and nonconforming arms, with rates indexed to libor, cofi, mta and prime. moving beyond traditional arms, the company offers many innovative arm products such as:* payoption arm -- these arms offer maximum control for qualified borrowers. after a three-month introductory low rate period, the interest rate adjusts monthly based on an index the buyer chooses and the payment remains the same for the first twelve months. the borrower has up to four payment options which include: a minimum payment that adjusts annually based on the index chosen; an interest-only payment; a payment of full principal and interest to amortize over either 15 or 30 years; or, a payment of any amount over the normal principal and interest to pay off the loan faster.* flexsaver arm -- this is a first-lien home equity line of credit that consumers can use to manage their monthly expenditures. homeowners can make a minimum payment or pay the full principal and interest amount. they can also reuse the line of credit as they pay down the loan balance.* interest-only payment option -- this is a payment option program that is available on all of the above arm programs. for the first 10 or 15 years of the loan, qualified borrowers make interest-only payments, but can also make principal reduction payments during this period if they wish. after the interest-only period, the unpaid balance is fully amortized over the remaining term of the loan. the program applies to fixed-period arms, in addition to traditional fixed rate mortgages."flexible payment options are a common theme of countrywide's innovative loan products," said todd dal porto, senior managing director of countrywide's wholesale lending division. "the company's determination to meet the needs of consumers and business partners extends the focus on flexibility to other important areas in the home loan process." for example, many qualified borrowers can benefit from streamlined processing services such as countrywide's fast & easy program, which enables qualified borrowers to receive word of their loan approval in a matter of minutes or hours, without the time-consuming paperwork traditionally associated with applying for a home loan."our ability to dominate the arm market is made possible thanks in part to the successful diversification efforts of our parent company and diversified financial services provider, countrywide financial corporation," said joe anderson, senior managing director of countrywide's consumer markets division. "everyone at countrywide is excited to deliver competitive arm loan products that satisfy our customers' needs."countrywide's broad range of adjustable rate mortgage products are available through its branch offices located across the country, national call centers and through mortgage brokers doing business with countrywide. for more information, visit www.countrywide.com or www.cwbc.com.founded in 1969, countrywide financial corporation (nyse: cfc - news) is a member of the s&p 500, fortune 500 and forbes 500. countrywide, through its subsidiaries, provides mortgage banking and diversified financial services in domestic and international markets. mortgage banking businesses include loan production and servicing principally through countrywide home loans, inc., which originates, purchases, securitizes, sells, and services primarily prime- quality loans. the company is headquartered in calabasas, california and has more than 30,000 employees with over 600 offices. for more information about the company, visit countrywide's web site at www.countrywide.com.source: countrywide home loans, inc.posted at 12:43 am posted by news at 12:02 am 0 comments   tuesday, august 08, 2006 presentation public skill speaking effective presentation skills : a practical guide for better speaking by steve mandel (paperback - jan 2000)book descriptiongive confident, enthusiastic, and persuasive presentations. with an emphasis on the need for preparation and practice, this course provides guidance on how to organize, create, and deliver effective presentations. conquer your fear of public speaking. prepare and deliver well organized presentations. capture and maintain audience interest.learning objectives: to explain how to build credibility and confidence as a speaker. to show how to use presentation technology to your advantage. to provide techniques for preparing and delivering a presentation well.[tags : presentation public skill speaking]posted by news at 10:29 pm posted by news at 5:14 am 0 comments   conquer fear public speaking how to conquer the fear of public speaking & other coronary threats (hardcover)by max d isaacsonthis book is an antacid for knots, butterflies and pains which often accompany public speaking efforts. text includes personal prescriptions for confidence, success and happiness from zig ziglar, erma bombeck, hugh downs, cary grant, ann landers, rod mckuen, norman vincent peale and others.it tells how to eliminate anguish, frustration and embarrassment when speaking in public. this is a 1984 classic by an award-winning speaker and it gives step-by-step instructions for healthier self-esteem through better oral communications.about the authormax d. isaacson conquered his life-long fear of public speaking at the age of 37 as the result of the training he received through the toastmasters international organization. encouraged by mentors at weekly toastmaster meetings, he learned the value of thorough speech preparation, effective delivery and much-needed practice before live audiences. he subsequently became a member of the toastmasters international hall of fame as a result of winning performances in national and international competition.in addition to his book, he has had speeches reprinted in two national publications -- vital speeches of the day and the saturday evening post.isaacson is a native iowan, a military veteran and a former certified lay speaker in the united methodist church. the father of four and the proud grandfather of seven, he holds bachelor's and master's degrees from drake university and currently resides in west des moines, iowa, with his wife of 44 years. he owns a successful textile printing and embroidery company which markets its products world-wide.his favorite quote for those who are afraid to accept the challenges of public speaking came from former first lady eleanor roosevelt: "no one can make you feel inferior without your consent."[tags : conquer fear public speaking]posted by news at 9:34 pm posted by news at 4:00 am 0 comments   public speaking presentation skill the truth about public speaking: the three keys to great presentations by ed barks (paperback - jan 11, 2005)excerpt - page 17: "... an individual walk into a presentation skills workshop clueless about how he can improve his public speaking skills and fearful of what ..."book descriptionlife’s rewards typically go to skilled communicators. your forum may be a speech to the national press club, an informal talk to your local service group, or networking at a chamber of commerce reception.the truth about public speaking delivers a comprehensive, easy to remember system that pulls together all the crucial elements that go into a winning presentation.you will discover how to:• convey confidence when speaking before any audience• persuade, educate, or inform your listeners• get rid of annoying nonverbal habits• utilize visual aids and presentation software effectively• refuse to be sidetracked by off-point or hostile questions• craft and deliver a magnetic message• find friendly faces in any audience• reduce anxiety when addressing a roomful of peoplethe power of public speaking is the engine that drives today’s professional to secure a new job or promotion, outperform competitors, shine in front of the boss, and climb the ladder in community and political affairs.this remarkable—and fun—learning resource shows you how to advance your career, generate more sales for your business, carry the day for your public policy issues, and earn esteem in the eyes of your peers.about the authored barks has guided thousands of today’s business, association, scientific, and entertainment leaders to more dynamic presentations. a veteran of the washington, d.c., public relations scene, he perfected his own speaking talents during a decade-long tenure as a radio broadcaster.[tags : public speaking presentation skill]posted by news at 9:03 pm posted by news at 3:21 am 0 comments   women's center offers public speaking workshop university of iowa news releasenov. 2, 2005women's center offers public speaking workshop"speak up! speak out: basic public communication skills for activists" is the second seminar for the 2005-06 year of the women's resource and action center's social change training program series. the workshop will be on saturday, nov. 12, from 9 a.m. to 2 p.m. in the common room (lower level) at old brick, 26 e. market street in iowa city.pre-registration for the workshop is required; call 319-335-1486 to sign up. the fee for the workshop is $10. a limited number of scholarships are available on a first-registered, first-served basis. the workshop is co-sponsored by the iowa city housing authority.public speaking skills are important for anyone who wants to share information with others, or hopes to persuade others about an issue. other than the introductory speech class many people may have taken in high school, many activists have paid little attention to the formal consideration of communication skills, especially public speaking. this workshop will cover basic skills to help participants become more comfortable and effective public speakers, whether they are called upon to give a presentation at a board meeting, a city council meeting or a political rally. topics will include organizing thoughts, analyzing the audience and developing performance skills. participants will have opportunities to practice skills in the workshop.the trainer for the seminar is laurie haag, program developer at the women's resource and action center. haag has an extensive academic and professional background in communications, including graduate study in the ui department of communication studies and teaching numerous courses at the university of iowa and at other institutions.founded in 1971, the women's resource & action center is one of the oldest university-based women's centers in the united states. among its services - which are available to ui students, faculty and staff and to the general public - are information and referral, advocacy, support and discussion groups, individual counseling, and a wide variety of educational programs including seminars, workshops, festivals and discussions.more information about the center and its activities is available on the web at http://www.uiowa.edu/~wrac.for further information, to register for the workshop and/or to arrange a needed accommodation to participate, call the center at 319-335-1486.story source: university of iowa news services, 300 plaza centre one, suite 371, iowa city, iowa 52242-2500.posted by news at 8:12 pm posted by news at 2:09 am 0 comments   public speaking books here are 2 public speaking books on humorous illustrations that public speakers can use to add humor to their speeches :# 1001 more humorous illustrations for public speaking: fresh, timely, and compelling illustrations for preachers, teachers, and speakers (paperback)by michael hodginbook description1001 more humorous illustrations for public speaking, much like its rib-tickling predecessor, is a gold mine of one-liners, jokes, and humorous anecdotes for almost any topic.from the publisherexperienced speakers know the value of humor for grabbing and holding attention. that's why this volume belongs in every pastor's and speaker's library. arranged by topic, here are 1001 one-liners, jokes, and humorous anecdotes for almost any situation or subject. most of these illustrations have already been tested by preachers and other speakers. the huge variety ensures there'll be something to catch any congregation's funny bone--and its attention.# 1001 humorous illustrations for public speaking: fresh, timely, and compelling illustrations for preachers, teachers, and speakers (paperback) by michael hodginbook descriptiondrawn from a broad array of sources, topics in this compilation range from ability and acceptance to words, work, and worship.from the back coveryou have something important to say. are you sure your audience is listening? clocks start ticking in the minds of your listeners the minute you begin your presentation. these clocks measure the amount of time you have to interest them before their attention wanders elsewhere. could be three minutes. could be thirty seconds. but make your audience laugh and they forget about their clocks. they are too busy listening. make them laugh and they will listen. humor is one of your most powerful tools as a speaker, and 1001 humorous illustrations for public speaking lets you wield it with power. michael hodgin has compiled hundreds of humorous anecdotes on dozens of topics and brought them together in one book. from "ability" and "accidents" to "work" and "worship," hodgin's illustrations are arranged according to topic and indexed to help you quickly find the perfect anecdote. the book also provides space to record the times and places you use each illustration, so no one will hear you tell the same joke twice. ideal for preachers, teachers, executives, and anyone else who speaks publicly, 1001 humorous illustrations for public speaking will keep your audience laughing -- and listening to every word you say.posted by news at 7:40 pm posted by news at 1:14 am 0 comments   public speaking book a public speaking book by dale carnegie :public speaking and influencing men in business (from the author of 'how to win friends & influence people') (paperback)book description1913. a movement for adult education is sweeping over the nation today; and the most spectacular force in that movement in dale carnegie, a man who has listened to and criticized more talks by adults than has any other man in captivity. according to a recent cartoon by "believe-it-or-not" ripley, he has criticized 150,000 speeches. if that grand total does not impress you, remember that it means one talk for almost every day that has passed since columbus discovered america. or, to put it in other words, if all the men who have spoken before him had used only three minutes and had appeared before him in succession, it would have taken a solid year, listening day and night, to hear them all.posted by news at 7:13 pm posted by news at 12:55 am 0 comments   public speaking topic the art of public speaking with free student aps cds 3.0, powerweb, and topic finder (paperback) by stephen e lucasbook descriptionlucas' the art of public speaking is the leading public speaking textbook in the field. whether a novice or an experienced speaker when beginning the course, every student will learn how to be a better public speaker through lucas' clear explanations. creative activities, vivid examples, annotated speech samples, and foundation of classic and contemporary rhetoric provide students a strong understanding of public speaking.when instructors teach from this textbook, they benefit from lucas' integrated teaching package. the annotated instructor's edition and instructor's manual, both written by steve lucas, provide teaching tips and give outlines on how to use the various supplements. as a result, instructors are able to see various teaching examples, how to integrate technology, and analyses and discussion questions for video clips in class. the annotated instructor's edition, instructor's manual, test bank, cds, videos,and other supplements provide instructors the tools needed to create a dynamic classroom. this edition has a supplement to meet the needs of online classes,teaching public speaking online with the art of public speaking.about the authorstephen e. lucas is professor of communication arts at the university of wisconsin where he has coordinated the introductory public speaking course for almost 25 years. he has received numerous teaching awards, including the chancellor’s award for excellence in teaching and is the author of several books, including "portents of rebellion" which was nominated for a pulitzer prize. professor lucas lives in madison, wisconsin with his wife and two sons.paperback: 544 pagespublisher: mcgraw-hill humanities/social sciences/languages; 8 edition (june 20, 2003)language: englishposted by news at 6:51 pm posted by news at 12:21 am 0 comments   monday, august 07, 2006 public speaking topics the complete guide to public speaking by davidson (paperback - oct 1, 2002)excerpt - page 32: "... affairs, and what potentially related public speaking topics might be worth developing. converse, ..."book descriptioncomprehensive, practical, and accessible, the complete guide to public speaking serves all the needs of public speakers, from the seasoned pro to the greenest rookie. whether you’re trying to start a career as a professional speaker or improve your speaking skills to further your career or influence those around you, this straightforward guide will help you deliver dynamic, compelling, and convincing presentations.author jeff davidson distills his eighteen years of experience as a public speaker, covering every aspect of public speaking, from the practical details of presentations to the psychological issues of inspiring an audience. insightful and compelling, this is both a handy resource for information on the public speaker’s most pressing questions, as well as a primer for those who are new to the field. every chapter is full of expert advice and practical information. inside you’ll find thorough guidance on topics such as:* identifying and developing dynamic speaking topics* adding spice to your presentation with humor, gestures, and stories* marketing your speech and speaking capabilities* negotiating speaking contracts* preparing for the big moment–from room check to show time* inspiring your audiencepaperback: 352 pagespublisher: john wiley & sons; 1 edition (february 1, 2001)language: englishposted by news at 6:25 pm posted by news at 11:54 pm 0 comments   public speaking courses in australia and the united kingdom # toastmasters international district 73 (incorporating clubs in south australia, tasmania, victoria and western australia.public and corporate speaking coursesspeechcraft is a public speaking program designed to develop your public speaking ability and so much more. you will gain confidence in all aspects of communication, including written and impromptu speeches, audio-visual aids, body language, active listening and critical evaluation.speechcraft programs are conducted in two tailored ways depending on the needs of participants. for more detail including costs and times please follow the links:public courses are where individuals, either privately or work sponsored, join together.corporate courses are where an employer hosts a group of employees for in house training. we can provide further information for corporate courses.1998-2005 toastmasters internationalthe names "toastmasters international", "toastmasters" and the toastmasters international emblem are trademarks protected in the united states, canada and other countries where toastmasters clubs exist.# london language and drama schoolpublic speaking courses & workshopsvocal skills for public speaking & for business presentations course ref. opp/wthis course not only offers basic exercises for physically working and improving the vocal command of the english language, but also explores the crucial factors that inhibit and limit voice projection in front of an audience.leading students through a clear and accessible manual of the voice and body workout, we provide an organic way of connecting the breath, voice, speech, delivery and body-language, creating a method, partially based on the alexander technique, whereby the public speaker finds an effortless and free way of delivery. this technique can be sustained and adapted to specific needs, conditions, and situations.posted by news at 5:58 pm posted by news at 10:49 pm 0 comments   public speaking course offered at the baltimore free university january 11, 2005for immediate releasecontact: amy cowlesamycowles@jhu.edu443-287-9904spring classes at the baltimore free universityregistration begins saturday, jan. 29.registration for spring semester adult education courses offered by the baltimore free university will be held during two "meet the instructors" brunches from 10 a.m. to 1 p.m. on saturday, jan. 29, and sunday, jan. 30, at the village learning place, 2521 st. paul st. in baltimore. for more information, call 410- 516-4777.the registration session will provide an opportunity for enrollees to learn more about the informal non-degree-granting adult education program and its course offerings. students will also have the chance to meet their instructors, many of whom live in the community or are doctoral candidates, professors and students at johns hopkins or alumni of the university.the baltimore free university features a wide array of personal enrichment, social issues and practical trade courses for a nominal registration fee of $10 per course.twelve courses are on the spring schedule so far, with more to be added before registration begins. they include a singing class for beginners, relaxation through massage, ballroom dancing, an astronomy workshop, a film series and public speaking. the number of class sessions varies from one-time workshops to courses that meet once a week for several weeks.classes begin in early february and end in mid-april; actual start and end dates vary by course. classes will be held in various buildings on the university's homewood campus, 3400 n. charles st.; the village learning place; seiu union hall at 611 n. eutaw st.; and wydeye cafe at 1704 aliceanna st. for more information, call 410-516-4777.posted by news at 5:32 pm posted by news at 10:12 pm 0 comments   public speaking coaches # sally choppingpublic speaking coach, pittsburgh3019 swansea crescent west, allison park, pa 15101phone: 412-478-6785sally chopping has over fifteen years of experience teaching acting and public speaking. she is an expert on the performance aspects of public speaking and teaches her students to use acting techniques to improve their body language, vocal delivery and eye contact.sally is british and lives in pittsburgh, pennsylvania. she graduated from the top british method acting college, drama center, london and has acted in repertory companies throughout britain and hosted television and radio shows in texas. her texas television credits include being a host for "pm magazine" and a film critic for "eyewitness news". her radio credits include hosting a daily radio show called "the chopping block".sally is the vice president of membership for the greater pittsburgh coaches association. she is a past winner of the toastmaster impromptu speaking championship and the humorous speaking championships and she has been a showcase speaker and workshop presenter at several toastmaster conferences. her classes are always highly interactive and she is able to get even the shyest participants involved.# merrilyn lewis267 turners falls rd. bernardston, ma 01337merrilyn lewis brings a unique blend of experience to her work as a trained voiceover talent and a seasoned coach.a graduate of the university of southern maine, merrilyn survived fourteen years teaching english to junior and senior high school students before exploring the business world working as publicist for renovator’s supply, a national mail-order company specializing in restoration hardware. she further honed her skills as marketing and public relations director for sandri, inc., a diversified company which owns a gasoline and fuel oil distributorship, championship golf courses, a floral and gift shop, a travel agency and a restaurant. in executing her responsibilities, she gained invaluable experience in advertising strategies, copy writing, voiceover work, and promotional video production. as senior publicist for lisa ekus public relations company, a national public relations firm, merrilyn coordinated publicity tours and media trained clients for local, regional, and national television, cable, radio and print interviews. currently, she works in the advancement office at smith college.in her spare time, merrilyn volunteers as a community mediator, sitson the board of her community access television, and serves on arestorative probation community board. she teaches workshops and speakson schmoozing 101/savvy socializing, effective public speaking, andworking with the media.posted by news at 5:09 pm posted by news at 9:41 pm 0 comments   learn from a public speaking coach learn to love public speaking: online presentation builds skills and confidencebuild skills to build confidence - build confidence and you'll learn to love public speaking. sign up for a one-hour public speaking workshop, webcast directly to your computer.santa barbara, ca (prweb) july 13, 2006 -- "public speaking training isn't just for those who give speeches. there are so many occasions in the workplace and other settings where a clear, concise message, a confident and assertive voice, and easy rapport with an audience is valuable - even career-boosting," says lisa braithwaite, a santa barbara-based public speaking coach.ms. braithwaite is presenting a one-hour workshop entitled, "build skills and confidence: learn to love public speaking," on wednesday, july 26, at 12:00 noon pt. the workshop is offered through an online webcast hosted by full circle global mentoring, a virtual business mentoring community. the virtual nature of the webcast allows anyone with a computer and internet access to participate in the workshop.whether one is a novice or a seasoned professional, there's always room for improvement. ms. braithwaite will cover basic public speaking skills and tips, including:* preparation and organization of content* audience interaction* voice* eye contact* movement* efficient use of visual aids* relaxation* fear and anxietythe cost of the workshop is $15 for members of full circle global mentoring, and $35 for non-members.for more information about public speaking and presentation skills coaching, visit www.coachlisab.com or call 805.207.7647.for more information about full circle global mentoring, visit http://www.fullcirclementoring.org.posted by news at 4:43 pm posted by news at 9:00 pm 0 comments   graduate student wins competition after exhibiting excellent public speaking skills grad student wins world championships in public speakingby ryan smith, expressnews stafffebruary 5, 2003 - ajit singh, a master's student in computing science at the university of alberta, won the public speaking element of the 2003 world universities debating championships held earlier this year in stellenbosch, south africa.singh bested more than 100 competitors, including some from, for example, ivy league schools and cambridge university in england. his performance was the highlight of the competition for the u of a debating society, which placed all six of its debaters in the top one-third of the debating part of the championships."ajit consistently makes it to the final rounds in regional and national public speaking competitions and has finished second and third a few times, but this was the first time he has finished first, and what an amazing time and tournament to do it," said james crossman, a second-year u of a engineering student and one of the six u of a debaters at the championships."[the rest of the u of a debaters] were thrilled when we found out ajit had won, but he held his emotions in check...he was the only one who held it together while the rest of us were jumping up and down and going insane," crossman added.in the finals of the competition, which took place in front of about 300 spectators, each competitor was given a song title and five minutes to prepare a five- to seven-minute impromptu speech based on the title. singh's title, under my thumb, inspired him to present a speech about the israeli-palestine conflict. singh postulated that the conflict might best be solved through privatization, which was a theme he culled from earlier rounds in the competition."it was risky, but it went over really well," singh explained. "the contingents from both israel and palestine were there, and i thought it might offend them, but people from both sides came up to me after and said how much they liked it."there are a number of catch phrases associated with privatization--better service, efficiency of market, and cutting red tape, for example--that don't really mean anything. when you apply them to something like a civil conflict, for example, then you expose how ridiculous and meaningless these phrases are," singh said."my speech was an illustration of sophistry, in which you use satire to undercut glib statements. you say something that makes sense on the surface but is absurd in reality."singh became involved in debating and public speaking after receiving encouragement from a junior high school teacher. he believes debating and public speaking skills complement his computing science graduate studies.the six u of a students at the championships study in a broad variety of disciplines, ranging from business to biological science to arts to neuroscience."our club is really diverse; the majority of our members are from engineering and sciences, and that's probably not what you would expect," he added. "but verbal skills are an excellent asset to help pass on knowledge...and the competitions provide amazing experiences and are a lot of fun."copyright © 2002-2006 university of albertaposted by news at 4:10 pm posted by news at 8:37 pm 0 comments   public speaking bible becomes category best seller knockout presentations hits #1 on amazon.compublic speaking bible becomes category best sellerstaten island, ny: july 12, 2004 -- knockout presentations: how to deliver your message with power, punch, and pizzazz reached #1 on amazon.com's top selling public speaking books and #2 on top selling business communication books on saturday, july 10th. author diane diresta is excited about knockout's success, and says that audiences may have been turned on to the book following a series of recent interviews she delivered on national radio.since it was first published by chandler house in 1998, knockout presentations has consistently ranked among amazon.com's best-selling public speaking and business communication books. by the end of last week, it ranked #1 out of 1,823 titles in the public speaking category, #2 out of 492 titles in the business-communication-meetings and presentations category, #2 out of 1,827 titles in the business presentation category, and #30 out of 5,303 titles in the general business communication category. as of saturday, july 10th, it had an overall amazon.com sales rank of 5,350.knockout author diane diresta says that an increase in publicity has contributed to the book's sudden rise to the top. over the last few weeks, diresta, a ny-based executive speech coach and media trainer, has been making the rounds on the radio circuit, providing expert commentary on breaking topics in the news. several weeks ago in interviews broadcast across california, wisconsin, and new hampshire airwaves, diresta discussed ronald reagan's impact on presidential communication. last friday, she commented on kerry's pick of edwards as vp running mate in an interview heard on wowo am, fort wayne indiana. on the same day, she was also featured on "financially speaking," an am talk show for businesswomen in the boston area.diresta says she is thrilled that her book continues to attract new readers across the country. "i think knockout presentations stands out from other public speaking books on the market because the techniques are practical and well-tested, collected from over 15 years of experience training executives, sales people, and sports celebrities in public speaking. it offers hundreds of bite-size tips readers can use every day when presenting in meetings, or speaking one-on-one with clients."aimed at executives, managers, sales professionals, trainers, small business owners, or anyone in the public speaking realm, knockout presentations takes readers through advanced public speaking techniques, similar to the ones diresta teaches in her workshops and seminars. it can be purchased at most major on-line bookstores, including barnesandnoble.com.posted by news at 3:00 pm posted by news at 7:48 pm 0 comments   public speaking skill toastmasters:public speaking skills aren't debatablerancho santa margarita, ca – if you are like most people, public speaking is not your favorite pastime. yet survey after survey shows that presentation skills are crucial to success in the work place. the person with strong communication skills has a clear advantage over tongue-tied colleagues – especially in a competitive job market. many people pay thousands of dollars for seminars to gain the skill and confidence necessary to face an audience. but there’s another option that is less expensive and held in high regard in business circles – toastmasters international. this organization has been around for nearly 80 years and offers a proven – and enjoyable! – way to practice and hone the communication and leadership skills of its members.from one club started in 1924 at the ymca in santa ana, california, toastmasters has grown to become the world’s leading organization helping people conquer their pre-speech jitters. since that first club was organized by dr. ralph c. smedley, nearly four million men and women have enjoyed the benefits of toastmasters membership. the nonprofit organization now has approximately 211,000 members in 10,500 clubs in 90 countries.how does it work?a toastmasters club is a “learn-by-doing” workshop in which men and women hone their skills in a comfortable, friendly atmosphere. a typical club has 20 to 40 members who meet weekly or biweekly to learn and practice public speaking techniques. the average club meeting lasts approximately one hour. membership is affordable; total annual fees are usually less than $100 (u.s.).those joining a toastmasters club learn communication skills by working in the communication program manual, a series of 10 speaking assignments designed to instill a basic foundation in public speaking.when finished with the first speech manual, members can select from among 15 advanced manuals to develop speaking skills that are geared to specific interests. they are: public relations, specialty speeches, the entertaining speaker, speaking to inform, the discussion leader, speeches by management, the professional speaker, persuasive speaking, technical presentations, communicating on television, storytelling, interpretive reading, interpersonal communication, special occasion speeches and humorously speaking. members also develop and practice leadership skills by working in the competent leadership manual, the high performance leadership program as well as serving as leaders at various organizational levels.there is no instructor in a toastmasters club. instead, members evaluate one another’s oral presentations and leadersip skills. this evaluation process is an integral component of the overall educational program. toastmasters members also give impromptu talks on assigned topics, conduct meetings, serve as officers in various leadership roles and learn parliamentary procedure.the effectiveness of this simple learning formula is evidenced by the thousands of corporations that sponsor in-house toastmasters clubs. these clubs serve as public-speaking and leadership training workshops for employees. every year, more and more business and government organizations are discovering that toastmasters is the most effective, cost-efficient means of satisfying their communication training needs. toastmasters clubs can be found in the u.s. senate and the house of representatives, as well as in a variety of community organizations, prisons, universities, hospitals, military bases and churches.community servicetoastmasters also benefit their communities by conducting the following types of programs:youth leadership – public speaking training for junior and high school students.speechcraft – a "short course" in public speaking for adults in business, education, industry and government.speakers bureau – to help other nonprofit organizations and community and government groups tell their stories to the community.gavel clubs – bringing toastmasters training to prisons and other institutions.success/leadership and success/communication programs – educational modules in a how-to format on topics such as conducting productive meetings, effective listening, parliamentary procedure, evaluation, creative thinking, leadership, management and training.© 1998-2005 toastmasters internationalthe names "toastmasters international", "toastmasters" and the toastmasters international emblem are trademarks protected in the united states, canada and other countries where toastmasters clubs exist. unauthorized use is strictly prohibited.posted by news at 2:38 pm posted by news at 7:24 pm 0 comments   public speaking course new courses offered for 2003 summer & fall semestersthe university of the virgin islands' humanities and education divisions offers new courses for the 2003 summer and fall semesters on the st. thomas campus. the humanities division will offer public speaking, conversational french, and international literature for the summer semester, and creative writing for the fall semester. the education division will offer the course science and the elementary teacher for the fall semester.the registration for the summer semester for both the st. thomas and st. croix campus is june 5 through 9. classes begin june 9 and end july 23. between both campuses approximately 120 courses are offered in addition to the new courses added for the summer semester.registration for the fall semester on both the st. thomas and st. croix campus is august 13 through 15. the 2003 fall semester begins august 18 and ends december 14. in order to be matriculated for the fall semester, students must apply by the admission deadline, may 30th. however, the public is invited to take courses without being matriculated.the public speaking course is aimed at improving communication skills and developing public speakers. this course will teach individuals how to conduct research, prepare effective outlines and methods to deliver effective speeches. in addition, the course will provide practical experiences in presenting both informative and persuasive public speeches.conversational french is designed to develop oral fluency in french. this course will be conducted entirely in french and will cover business, cultural, political, social and arts issues.international literature is a course where students are encouraged to discover non-european literature. areas to be discovered include the literature of palestine, the middle east (persia), india, pakistan, asia and the asian pacific.for the fall semester, the humanities division will offer creative writing, an online asynchronous distance learning course. creative writing is designed for students who live in the u.s. virgin islands or british virgin islands. using the latest edition of three generes textbook, by stephen minot and online editions of the caribbean writer, students will be asked to write poetry, short fiction and a one-act play and will produce individual, final creative projects in the area of their choosing.one new addition to the education division's courses is science and the elementary teacher for the fall semester. this course is designed for elementary education majors and teachers seeking certification. the course will give students the opportunity to participate in the construction of scientific knowledge by engaging in critical thinking and original research projects in the natural sciences. the course will expose students to science teaching reform, standards in science teaching, and the theories of teaching and learning science.for further information regarding registration call 693-1150 on st. thomas, and 692-4158 on st. croix.posted by news at 2:01 pm posted by news at 6:11 pm 0 comments   public speaking seminar scc and franklin area chamber to offer public speaking seminarfranklin - the franklin area chamber of commerce, in conjunction with southwestern community college, is sponsoring "stand and deliver," a seminar designed to help people improve their presentation and public speaking skills from 8-11 a.m. on friday, april 2 at angel medical center.participants will discuss how to gain credibility with an audience, prepare for presentation and effectively communicate content. the seminar will cover the components of a speech, good posture, positive gestures and image, overcoming fear and proper use of humor."this seminar has great information for anyone who speaks to the public, whether one-on-one or in large groups--from sales people to politicians, everyone will enjoy and benefit from this exciting course," said russ seagle, small business center director at southwestern community college.popular speaker denise ryan will be the seminar presenter. ryan, owner of firestar speaking, has spoken in the region several times and is known for her energetic and informative workshops."denise is a great model of an effective public speaker, and i'm sure our participants will learn as much from what she does as they do from what she says," said seagle.participants will be served breakfast at 7:30 a.m. the cost for the seminar is $15 for franklin area chamber members and $25 for non-members. to register call the franklin area chamber of commerce at (828) 524-3161 to reserve a seat.southwestern community college - 447 college drive - sylva, nc 28779posted by news at 1:44 pm posted by news at 5:17 pm 0 comments   public speaking skills task friday, 18 february 2005for immediate releasepress releaseilo and disnaker emergency employment service in banda aceh registers and places jobs for thousandsbanda aceh (joint press release): the provincial department of manpower of nanggroeaceh darussalam in banda aceh (disnaker nad) and the international labour organization (ilo) today provided an update on progress made at the employment service for the people of nanggroe aceh darussalam province (espnad). the espnad commenced its operations on monday, 7 february 2005, to facilitate access to jobs for those who have lost their livelihoods as a result of the earthquake and tsunami disaster.during the first week of its operation, the espnad registered 2,289 skilled people from all over the province for permanent placement and 580 people for cash for work programmes. to date, 100 people have been placed in cash for work programmes.according to freddie rousseau, ilo's chief technical advisor of the espnad, the biggestchallenge is to codify all registration forms and to compile a computerised database. this process is currently under way utilising casual workers from aceh. "around 2,000 forms will be captured by thursday, 17 february, and the first preliminary labour market assessment will be presented to the deputy governor on saturday, 19 february, by disnaker," explained rousseau.based on information in the database, the centre is expected to be able to analyse labour market trends and identify any shortages in the labour market. in order to overcome labour shortages or address specific needs in the market, the centre is going to run a range of short two to three week introductory/basic skills courses at the vocational training centre of banda aceh (blk).rousseau then added that one of the needs identified so far is a lack of people with basic english speaking skills for the it, office tasks and drivers fields. starting from next week, three week long basic conversational english classes will commence for people who have registered with espnad to enhance their employability.located at the blk, the espnad is initially funded by disnaker, ilo's financial resources and a contribution of undp, as well as functions with ilo technical expertise. the main purpose of the centre is to create and maintain a database of skilled people living in the province of nad in need of employment. to build up the database, the espnad has placed advertisements in newspapers, all the camps as well as general gathering places to invite selected skills groups to come to the centre and register.during the registration process the level of proficiency of applicants will be tested using the facilities of the blk to ensure that work-seekers recommended to potential employers have the required skills. this process commenced on wednesday, 9 february 2005, when people from the various building trades such as carpenters, bricklayers, plumbers, electricians, glazers, tilers, painters, etc. were invited to come and register. this was followed by registration of the mechanical trades, secretarial staff, senior programme officers, translators, etc.meanwhile, in terms of income generation and self-employment, the ilo’s youth employment programme has delivered its first training of trainers (tot) workshop for ngos wishing to utilise the ilo's start and improve your business (siyb) programme in their community support work. starting on 14 february at the blk, around 16 participants from as far afield as simeulue and lhokseumawe are participating in the workshop presented by peter piawu, an siyb master trainer from papua new guinea. due to big demand, a second tot is being arranged to begin in march 2005.furthermore, starting next monday, 21 february, an syb tot workshop for technical andvocational teachers from smks and the blk in banda aceh and aceh besar will commence at smk 3. two syb lead trainers from the ministry of national education will conduct the training. "so the new employment service, as the collaboration between the government of indonesia and the ilo, is already providing lots of new training and livelihood opportunities for the people of aceh," according to rousseau.for further information, contact:freddie rousseauchief technical advisoremployment services for the people of nanggroe aceh darussalam province (espnad)jl. kesatria, geuceu komplek, banda aceh, nad.tel: 08131 9292 582email: freddie_rousseau@yahoo.com.auposted by news at 1:17 pm posted by news at 4:41 pm 0 comments   public speaking technique public speaking: proven techniques for giving successful talks every time by steven frank (paperback - dec 1999)excerpt - page 109: "... refer back to the script. speaking techniques: the tools of the trade if public speaking is like a performance, ..."public speakingfear factor #1 : public speaking skills and presentation techniques to take the fear out of the factor! (paperback)by john spencergiving a speech or presentation is one of the most stressful things that people face. in fact, it has often been said to rank above the fear of death! public speaking…fear factor #1 shows you how to conquer the challenge of public speaking and successfully deploy proven methods for designing, developing, and delivering outstanding presentations. it provides you with specific techniques to tackle some of the most dreaded fears, design great visual aids, and use a step-by-step proven process that will result in a winning presentation every time. plus, it provides key insights into how to address some of the most challenging situations you’re ever likely to encounter—such as a hostile audience, sleepers, and the know-it-all. this is a must-read for anyone who has to speak at a business meeting, wedding speech, social club, etc., and wants gain confidence and be successful.posted by news at 12:44 pm posted by news at 3:32 pm 0 comments   public speaking techniques book list :# mejores tecnicas p/hablar en publico/the best techniques for public speaking (paperback) by carlos brassel# stay cool when things get hot.(techniques for public speaking): an article from: the national public accountant by dr. reesa woolf (sep 1, 2001)book descriptionthis digital document is an article from the national public accountant, published by national society of public accountants on september 1, 2001. the length of the article is 1256 words. the page length shown above is based on a typical 300-word page. the article is delivered in html format and is available in your amazon.com digital locker immediately after purchase. you can view it with any web browser.citation detailstitle: stay cool when things get hot.(techniques for public speaking)author: dr. reesa woolfpublication: the national public accountant (magazine/journal)date: september 1, 2001publisher: national society of public accountantsvolume: 46 issue: 7 page: 12distributed by thomson galeexcerpt. © reprinted by permission. all rights reserved.how to present and communicate your ideas more effectivelydoes your stomach do flip-flops at the mere thought of public speaking? when presenting your ideas to a group of people, do you become so stressed that you want to hand in your resignation? if you answered "yes" to either of these questions, you're not alone. according to many books, the fear of public speaking is the number one fear of all fears, outranking the fear of death, which comes in at number seven. additionally, recent surveys show that more then 41 percent of the population has some anxiety when asked to speak in front of a group, no matter how small it may be. those who have difficulty...# the new speech-o-gram technique for persuasive public speaking by c. raymond; van smith, howard van dusen (hardcover - 1962)# confident public speaking: techniques to help you put poise and polish in all your speeches (volume 2) by roko paskov (vhs tape)posted by news at 12:22 pm posted by news at 2:50 pm 0 comments   fear overcome public speaking secrets of power presentations: overcome your fear of public speaking, build rapport and credibility with your audience, prepare and deliver a dynamic presentation by micki holliday (paperback - feb 2000)excerpt - page 9: "... can do it!" how to overcome your fear of public speaking you can use self-talk to ..."book infodesigned to help you overcome the fear of public speaking. covers all the new multimedia aids to presentations and reveals the key to controlling your fears. details how to outline and organize an effective presentation, improve your style of delivery, and capture and maintain the attention of your audience. softcover. dlc: business presentations.[tags : fear overcome public speaking]posted by news at 11:59 am posted by news at 2:01 pm 0 comments   public speaking tips stepping up, speaking out: finding your voice for public speaking. (influential women).(tips for public speaking)(brief article)(column): an article from: northern ontario business [html] (digital)this digital document is an article from northern ontario business, published by laurentian business publishing, inc. on june 1, 2002. the length of the article is 505 words. the page length shown above is based on a typical 300-word page. the article is delivered in html format and is available in your amazon.com digital locker immediately after purchase. you can view it with any web browser.citation detailstitle: stepping up, speaking out: finding your voice for public speaking. (influential women).(tips for public speaking)(brief article)(column)publication: northern ontario business (magazine/journal)date: june 1, 2002publisher: laurentian business publishing, inc.volume: 22 issue: 8 page: sss11(1)article type: brief article, columndistributed by thomson galeexcerpt. © reprinted by permission. all rights reserved.have you ever been asked to introduce someone, give a toast or eulogy, give a seminar or give a formal presentation for your business? i suspect you have been in one of these situations during your lifetime and it will not be the last opportunity for you to get up and speak.first you must understand the objectives of a public speaker, which are to inform, entertain, touch the emotions and movethe listeners to action.posted by news at 11:38 am posted by news at 1:39 pm 0 comments   public speaking tip "no fear" fund raising.(public speaking tips for fund raisers): an article from: fund raising management [html] (digital)by wayne kingthis digital document is an article from fund raising management, published by hoke communications, inc. on august 1, 1999. the length of the article is 1209 words. the page length shown above is based on a typical 300-word page. the article is delivered in html format and is available in your amazon.com digital locker immediately after purchase. you can view it with any web browser.from the supplier: fund raisers should recall that continual practice may be the best way to improve their public speaking skills. they should also keep in mind that good speakers familiarize themselves with the basics of proper speech construction and pay close attention to matters related to presentation style. fund raisers who wish to master the art of giving winning speeches should also recall that presentations are most effective when they are kept simple and straightforward.citation detailstitle: "no fear" fund raising.(public speaking tips for fund raisers)author: wayne kingpublication: fund raising management (magazine/journal)date: august 1, 1999publisher: hoke communications, inc.volume: 30 issue: 6 page: 35(2)posted by news at 11:12 am posted by news at 12:55 pm 0 comments   fear public speaking in the spotlight, overcome your fear of public speaking and performing by janet e. esposito (paperback - oct 14, 2005)excerpt - page 1: "... of the closet about my fear of public speaking. until then i had kept ..."in the spotlight: overcome your fear of public speaking and performing is a perfect book for those who are afraid of speaking or performing in front of others. this book provides many different methods and strategies to help you get beyond stage fright and learn to speak or perform with ease and confidence. this book will also help anyone who is self-conscious and uncomfortable in any social situation.you will discover how to:* dramatically decrease your feelings of fear, discomfort, and loss of control associated with speaking or performing in front of others* minimize your uncomfortable physical symptoms associated with fear* significantly reduce the dread of anticipating a speaking or performing event* eliminate your need to avoid situations of speaking or performing because of fear* create a relaxed and confident state of mind and body in preparing to speak or perform* break through your fear and create an inner peace around speaking and performingthat you never imagined possible!janet e. esposito, m.s.w., is the president of in the spotlight, llc, a company devoted to helping people overcome stage fright. janet speaks from first-hand experience because she has overcome her own terror around speaking in front of groups and now experiences a level of comfort and confidence that she never thought possible. in her no more stage fright classes, janet has helped hundreds of people overcome their fears through her compassion,inspiration, and profound understanding of the problem and the solution! janet also does individual coaching and onsite programs for companies and organizations, helping people to express themselves with confidence and ease.posted by news at 10:28 am posted by news at 12:16 pm 0 comments   hair growth treatment disorders of hair growth: diagnosis and treatment (hardcover)by elise a., m.d. olsenbook descriptionthe only comprehensive book on the subject of hair loss! highly illustrated, with 250 new color photographs, this resource covers the basic science, diagnosis, and treatment of all problems related to hair. conditions covered include childhood hair loss, excessive body hair, various types of adult balding, and loss due to medical conditions, trauma, and medications. the new second edition emphasizes various new diagnosis and treatment methods including popular, recently approved remedies.from the new england journal of medicine, february 26, 2004hair can be used to express cultural, sexual, and religious individuality. disorders of hair growth that compromise individual expression may affect self-esteem, social functioning, and quality of life. deviations of hair growth may also be a manifestation of internal disease and thereby a vital diagnostic clue for all clinicians. this textbook of hair disorders.....posted by news @ 12:59 am posted by news at 12:47 am 0 comments   african american hair growth great books on african american hair matters -hair raising: beauty, culture, and african american women by noliwe m. rooks (paperback - jul 1996)excerpt - page 43: "... about their ability to grow hair. indeed, by ... prevents hair growth, she affectively dislodges the primacy of racial ide- ologies that articulate african american women's bodies as "lack" and ..."no lye: the african american woman's guide to natural hair care by tulani kinard (paperback - sep 15, 1997)excerpt - page 4: "... of drug use. as the hair follicle grows ... rate of growth of a strand of hair ..."kinki kreations: a parent's guide to natural black hair care for kids by jena renee williams (paperback - sep 28, 2004)excerpt - page 14: "... even into adulthood. for generations, african-american children have been victims of child abuse. they have been told over and over again that their hair is unmanageable, worthless, and ugly. ..."the african american woman's guide to successful makeup and skincare, revised edition by alfred fornay (paperback - mar 1, 2002)excerpt - page 122: "... 122 the african american woman's guide ... among the hairs and covers ... until new growth appears, then do your reshaping. ..."the african-american woman's guide to successful make-up and skin care by alfred fornay (paperback - nov 1, 1998)excerpt - page 130: "... a salon by a professional hair colorist, particularly ... natural hair growth between temporary, semipermanent, and permanent ..."posted by news @ 12:00 am posted by news at 12:00 am 0 comments   sunday, august 06, 2006 vitamin good for hair growth friday, august 04, 2006it's all good hair: the guide to styling and grooming black children's hair by michele n-k collison (paperback - mar 1, 2002)excerpt - page 5: "... don't worry if your child's hair isn't growing ... looking for vitamins or products to make it ..."what are you going to do with your children's hair? combing your daughter's hair is giving you a headache and now your son is asking you for cornrows. relax. finally, there's a lifeline for those who are desperately seeking help in styling their black children's hair. learn the tricks and techniques for today's most popular hairstyles with the easy-to-follow steps found in it's all good hair. it features hair-care and styling tips from a variety of experts, and you'll learn all the secrets to braiding, relaxing, and locking, as well as discover many other creative styling ideas. say good-bye to those disastrous attempts at doing it alone. here's the support you need to help your children look good and feel their very best.posted by news @ 11:38 pm posted by news at 3:18 am 0 comments   biotin hair growth 1. twinlab: hair factor 100 tabs hair factors high potency with l-cysteine and biotin is a synergistic formulation of nutrients needed to assist in hair growth and health. l-cysteine and vitamin c are formulated in a scientifically determined 1 to 3 ratio. vitamin c helps keep l-cysteine in its reduced and soluble form. highest potency with l-cysteine & biotin.2. twinlab biotin, 600 mcg, caps 100'sbiotin forms part of several enzyme systems and is necessary for normal growth and body function. it helps in the synthesis of fatty acids, in energy metabolism, and in the synthesis of amino acids and glucose. promotes normal health of sweat glands, bone marrow, male gonads, blood cells, nerve tissue, skin, hair.3. futurebiotics hair, skin & nails for mencontains essential nutrients formulated exclusively for a man's vital hair, healthy skin & strong nails.posted by news @ 11:29 pm posted by news at 2:33 am 0 comments   hair growth oil doo gro mega thick growth oil promotes thick, strong growing hair, thickens & strengthens weak & damaged hair, shea butter, vitamin & botanical thickner formula, tames frizzies & adds shine 4.5oz/135mlon damp or dry hair, apply directly to hair and scalp. massage gently. do not rinse out. style as usual. use daily or as often as needed. for daily results, use the entire family of doo gro productsdoo gro mega thick growth oil helps thicken and strengthen weak, damaged hair. its special blend of oat protein, oat extract, meadowfoam seed oil, vitamins, pure herbs, shea butter and botanical thickens penetrate the hair shaft provding needed nourishment for strong healthy, growing hair. doo gro mega thick growth oil is safe for children and can be used on all types of hair including color treated, relaxed and braided. no harmful chemicals.ingredientssoybean oil, soy methyl ester, sweet almond oil, oat extract, oat protein, meadowfoam seed oil, shea butter extract, fragrance, propylparaben, bha, tea tree oil, retinol (vitamin a), ergocaliferol (vitamin d), tocopherol (vitamin e), matricaria extract, goldenseed extract, hops extract, soap bark extract, cherry bark extract, calendula extract, henna extract, horestail extract, safflower oil.posted by news @ 10:43 pm posted by news at 1:46 am 0 comments   saturday, august 05, 2006 hair growth formula body confident hair renewal formula, softgel capsules, 60 capsules by body confidentcombines 3 exclusive blends to restore hair's youthful luster. minimizes hair loss, thinness and dryness related to aging. features millet extract and ingredient recognized for its hair-enhancing properties and strengthens hair.exclusive millet blend. supports healthy hair growth and reduces age-related hair loss. dietary supplement. body confident hair renewal formula reduces age-related hair loss and supports thick, healthy hair growth with millet extract, an exceptional ingredient recognized for its hair-enhancing properties. a favorite of europeans, millet extract fortifies your hair with methionine, an amino acid used by the body in maintaining natural, healthy hair growth and strength. three unique blends enrich your hair with valuable nutrients essential to promoting and enhancing hair fullness. body confident hair renewal formula minimizes hair loss, thinness and dryness related to aging, and helps restore your hair's youthful luster and your self-confidence.posted by news @ 9:56 pm posted by news at 11:36 pm 0 comments   protein for hair growth - the relation of the protein and cystine content of the diet to the growth and chemical composition of the hair,: changes in the chemical composition of hair caused by extration [!] with water, by howard david lightbody (unknown binding - jan 1, 1930)- beautiful black hair: real solutions to real problems--a step by step instructional guide by shamboosie (paperback - april 2002)excerpt - page 22: "... is applied to the new growth only. 0 ... through the hair.. 0 the ... the keratin protein reinforces the hair's integrity prior ..."- longhairlovers: healthy hair secrets revealed by jennifer bowers bahney (paperback - nov 16, 2005)excerpt - page 54: "... to the scalp nourishes the hair follicle and ... thicker hair growth. scientists as massachusetts general hospital have discovered a protein that promotes the growth of ..."see more references to protein for hair growth in this book.posted by news @ 9:43 pm posted by news at 10:44 pm 0 comments   fast hair growth tips healthy hair care tips for today's black woman by cheryl t. moss (paperback - april 30, 1999)excerpt - page 25: "... is the ability of the hair to absorb moisture.) if you fail to condition your hair at least once a week, your ends will break off as fast as your hair will grow ..."this book is the black woman's guide to maintaining healthy hair. you will learn how to completely eliminate bad hair days. this book is your total reference for: chemical hair relaxing, hair coloring, hair weaves and extensions, hair cutting, shampooing and conditioning and much more. you will refer to this book again and again because it is packed with information.about the authorcheryl talley moss shares over twenty years of experience in the beauty industry and reveals hundreds of healthy hair care tips in this book. she is an award winning beauty college instructor and the owner of hair studio 2001 in mesquite, texas. she was a manager of education for aladdin beauty college, former manager of education of rofflers hair design college, and served as president of the big town mall board of trade. she is a frequent lecturer and beauty consultant. cheryl talley moss lives in the dallas area with her husband of twenty-five years and their three children.posted by news @ 9:33 pm posted by news at 10:44 am 0 comments   female hair growth hair savers for women: a complete guide to preventing and treating hair loss by margaret greenwood-robinson (paperback - feb 15, 2000)excerpt - page 17: "... dht into estrogen , a female hormone. to ... lose your hair gradually, but ... (excessive hair growth), acne, seborrhea, and hair loss-see ..."book descriptiontoday in america, there are 20 million women suffering from hair loss -- a devastating problem that most certainly and often unnecessarily affects a woman's self-image. whether the loss is due to stress, hormonal imbalance, illness, chemotherapy, or medical side effects, hair loss can be prevented.hair savers for women: a complete guide to preventing and treating hair loss is the first and only book to address this important cosmetic health issue. it covers the very latest solutions and advances in treating female hair loss, from medicine to natural remedies, and introduces women to a whole new world of safe, clinically proven baldness remedies. for women whose hair loss persists, the book discusses surgical alternatives such as hair transplants and scalp reductions, as well as the pros and cons of hair weaves and wigs.posted by news @ 9:22 pm posted by news at 10:01 am 0 comments   promote hair growth doo gro moisturizing growth shampoo promotes strong, healthy, growing hair 8oz/237ml by doo groproduct descriptiondoo gro moisturizing growth shampoo with organic thickeners helps promote strong, healthy, growing hair. its rich, luxurious formula gently cleanses, conditions and detangles hair while it thickens and returns hair to its natural healthy condition. doo gro moisturizing growth shampoo restore moisture to dry, brittle and damaged hair. safe to use on all types of hair including color treated, bleached and relaxed.ti use, wet hair thoroughly. apply shampoo and massage scalp gently while working up a rich lather. rinse hair and repeat. towel dry hair and style as usual.posted by news @ 8:44 pm posted by news at 9:20 am 0 comments   black hair growth the black woman's guide to beautiful, healthier hair in 6 weeks! the 2003 edition by carolyn gray (paperback - nov 2003)excerpt - page 17: "... products to minimize or correct hair ailments such ... and slow growth. it also ... norm for black women, not the exception. so ..."book descriptionthis is the most practical, easy-to-read book on black hair care ever written, and ms. gray delivers detailed and tested information, based on research and first-hand experience with a warm and funny writing style.this incredible guide offers:* easy, step-by-step instructions to help you create your own personal hair care regimen* updated product recommendations to get you started* an improved shampooing and conditioning regimen that includes mini-regimens for ladies who swim and work out* over 200 tips on caring for natural and relaxed hair – covering topics such as preventing scalp and chemical damage; ends maintenance and hair trimming; successful air drying; low/no-heat styling alternatives; hair growth and vitamin supplements; and much, much more!not only will you get valuable information, but you will thoroughly enjoy reading this book, and after reading it, you will be on the road to the beautiful, healthier hair you seek!posted by news @ 8:05 pm posted by news at 8:38 am 0 comments   hair growth grow hair fast: 7 steps to a new head of hair in 90 days by riquette hofstein (paperback - may 2004)for more than three decades, riquette hofstein has been helping men and women reverse hair loss and grow healthy new heads of hair. based on her extensive research of what works and what doesn't, riquette really can help create permanent restoration of hair growth. find out: -- what you're doing wrong that's making your hair fall out -- the secrets of using herbs and vodka to grow your peach fuzz back into a fine head of hair -- what the makers of rogaine don't want you to know -- riquette's famous haircut that makes hair grow faster -- the only right way to shampoo -- how to stimulate healthy hair growth from the inside outriquette reveals her exclusive, simple, seven-step program that has helped thousands of people re-grow their hair. grow hair fast also includes riquette's recipes for the best homemade hair-care products with special herbs, oils and mixtures that she has developed, plus important information on chemical and surgical hair-loss solutions.about the authorriquette hofstein has been a world-renowned expert in hair and skin care for more than 30 years. she appears regularly on major media, including 10 appearances on late night with david letterman, and she travels the world to lecture on and treat hair loss. she owns riquette international salon in beverly hills, where she lives and works.posted by news @ 6:37 pm posted by news at 7:53 am 0 comments   fast hair growth beautiful black hair: real solutions to real problems--a step by step instructional guide by shamboosie (paperback - april 2002)excerpt - page 19: "... work, you can grow your hair. this 24-month ... the expected growth is approximately ... hair grows faster than others, and you can ..."best hair care book (and ive bought many), may 10, 2006review from amazon.comreviewer: snazzylady i bought this book two years ago and have been using the products recommended by shamboosie for all of that time. can i just say that if you read all of the other reviews and doubtfully pass this book over you are doing yourself a dis-service! i do not have a bad grade of hair but i was one of those folks who thought my hair had to be short to be cute. i would grow it out, lose control (as in breakage, ugly hair days, etc) and just cut it off again. i did the grow/cut cycle 5 times in 10 years!!! can i just say that these past 2 years have allowed me to receive compliments constantly on my hair's health and overall look. i tell everyone that i am not sure if it is just the nexxus products but it sure could be!!! so much so, that i budget to buy these products! buy this book!posted by news @ 5:24 pm posted by news at 7:22 am 0 comments   hair growth shampoo 1. therapro bioclenz antioxidant shampoo 32 oz * gently cleans the scalp and hair without over stimulating the sebaceous glands* promotes healthy hair growth.* safe for all hair types including color treated.* contains ultraviolet protectors.* ph balanced2. jason natural cosmetics thin-to-thick 4-pack* biotin and planthenol-3 condition and strengthen hair* soy and rice proteins plump up and thicken hair strands.* witch hazel helps to purify the scalp.3. emu oil shampoo - accelerate by exotic allure* contains super moisturizing emu oil* specially formulated for fast, healthy hair growth* ideal for damaged, relaxed, braided, or natural hair* gentle enough to be an "everyday" shampooposted by news @ 4:09 pm posted by news at 6:41 am 0 comments   hair growth vitamin healthy black hair: step-by-step instructions for growing longer, stronger hair by nicole elizabeth smith (paperback - aug 2003)excerpt - page 12: "... note changes in your hair so you can see what vitamins and/or products work best on your hair and which ones don't make ... grows in three stages, anagen (growth), catagen and telogen (re-growth) normal hair ph level is ..."book descriptionhealthy black hair-step-by-step instructions for growing longer, stronger hair is not just another hair care book. although chock full of styling and hair care tips, it includes a complete hair care regimen with a total body approach to growing healthy hair. women will appreciate her honest portrayal of her own hair struggles and will learn how to use safely use herbs, vitamins and even yoga to strengthen and nourish their hair. it even includes information on thyroid disease, which can severely affect hair growth. good hair care is not limited to traditional methods anymore!posted by news @ 3:01 pm posted by news at 5:50 am 0 comments   hair growth vitamins fast grow black hair growth vitamins - ethnic hair enhancer* ideal for relaxed, damaged, or color treated hair* specially formulated hair vitamins for ethnic hair types* contains essential oils for moisturizing dry hair types* essential black hair care productviviscal hair vitamins * called the miracle mane pill by cosmo and vogue* specially formulated to promote longer, healthier hair growth* helps stop thinning, shedding hair* perfect hair vitamin for all around hair healthhair formula 37 hair vitamins for faster hair growthhair formula 37 is a hair vitamin program specifically designed to promote faster hair growth. it's potent formula contains a special blend of vitamins, minerals, amino acids, and botanicals that will make hair grow healthier and faster.posted by news @ 2:53 pm posted by news at 5:19 am 0 comments   hair growth product shen min dht blocker - hair regrowth formula - 60 tablets (30-day supply)product features :* research indicates that the primary cause of hair thinning in men and women is dht (dilhydrotestosterone) - the bad form of the hormone testosterone. as we age, dht builds up in the scalp and damages the hair producing follicles, which eventually die.* patent pending hair regrowth formula* for advanced hair loss and excessive thinning hair* powerful dht inhibitor* 100% natural dietary supplementdirectionstake one tablet twice daily. best taken in the morning upon awakening and prior to bedtime.always consult your physician before taking any nutritional product.keep out of reach of children. protect from heat, light and moisture. store at 15-30ºc (56-86ºf). do not purchase if seal is broken.product descriptionan all natural supplement that nourishes and supports hair regrowth from the inside out. shen min dht blocker combats hair loss and thinning hair with a nutritional approach. the benefit is thicker, fuller, healthier hair for men and women.posted by news @ 1:50 pm posted by news at 4:48 am 0 comments   hair growth products hair promoting products by doo gro :doo gro leave in growth treatment promotes strong, healthy, growing hair 8oz/237mlproduct descriptiondoo gro leave in growth treatment helps promote strong, healthy, growing hair. its unique non-greasy, non oily formula repairs damaged hair and mends split ends. it also adds luster, conditions, softens and adds beautiful shine to hair. doo gro leave in growth treatment is extra light and safe to use on all types of jair including color treated, bleached and relaxed.directionsafter shampooing and conditioning, towel dry hair. on damp hair, apply doo gro leave in treatment as needed. gently massage with fingertips. do not rinse out. comb through and style as usual. for best results, use the entire family of doo gro products.doo gro stimulating growth oil promotes strong, healthy, growing hair 4.5oz/135ml product descriptiondoo gro stimulating growth oil helps thicken and strengthen weak, damaged hair. its special blend of oat protein, oat extract, meadowfoam seed oil, vitamins, pure herbs, shea butter and botanical thickeners penetrate the hair shaft providing needed nourishment for strong, healthy, growing hair. doo gro stimulating growth oil is safe for children and can be used on all types of hair including color treated, relaxed and braided.directionson damp or dry hair, apply directly to hair and scalp. massage gently. do not rinse out. style as usual. use daily or as often as needed. for best results, use the entire family of products.hot oil directions:after shampooing, liberally apply to hair and scalp. massage gently. cover hair with a plastic cap. leave on for 5-15 minutes. rinse well (lightly shampoo if necessary). style as usual.doo gro mega thick growth oil promotes thick, strong growing hair, thickens & strengthens weak & damaged hair, shea butter, vitamin & botanical thickner formula, tames frizzies & adds shine 4.5oz/135mlproduct descriptiondoo gro mega thick growth oil helps thicken and strengthen weak, damaged hair. its special blend of oat protein, oat extract, meadowfoam seed oil, vitamins, pure herbs, shea butter and botanical thickens penetrate the hair shaft provding needed nourishment for strong healthy, growing hair. doo gro mega thick growth oil is safe for children and can be used on all types of hair including color treated, relaxed and braided. no harmful chemicals.directionson damp or dry hair, apply directly to hair and scalp. massage gently. do not rinse out. style as usual. use daily or as often as needed. for daily results, use the entire family of doo gro products.posted by news @ 1:17 pm posted by news at 3:26 am 0 comments   natural hair growth all ways natural super gro conditioning hair dress to promote healthy hair & growth 5.5oz/155mlproduct descriptionsuper gro, enriched with vitamin e, is natures way of promoting strong, healty ahir growth. natural rosemary and jojoba oils moisturize and protect, leaving your hair soft, shiny and healthy looking. no artificial colors or harmful chemicals. daily use of super gro:(1) promote healthy hair(2) condition dry hair(3) protect hair from heat styling and chemical damage naturally.directionsmassage into hair and scalp as needed. for best results, use all ways natural shampoo and all ways natural conditioner.ingredientspetrolatum, beeswax, oil blend (paraffin oil, avocado oil, coconut oil, evening primrose oil, jojoba oil, lavender oil, mint oil, olive oil, rosemary oil, sesame oil, sunflower oil, sweet almond oil), botanical blend (indian hemmp, rosemary, nettle, sage, birch, burdock, chaparral, sunflower petal), dl panthenol, retinyl palmitate (vitamin a), tocopheryl acetate (vitamin e), cholecalciferol (vitamin d), biotin, aloe vera powder, propylparaben, fragrance.posted by news @ 12:57 pm posted by news at 2:43 am 0 comments   faster hair growth hair formula 37 complete set for fast hair growththe hf37 program is founded on the principle that your hair, just like any other part of the body, has certain nutrition requirements in order to function properly. unfortunately, very few people take the time to insure that their diets include 100% of the vitamins, minerals, and amino acids that their bodies require on a daily basis. while this can have a negative effect on overall health, just think about what it can do to your hair, skin, and fingernails which are all on the bottom of the list for receiving nutrients. the hair formula 37 was designed to provide your hair with all of the nutrition it needs to grow fast, healthy, and strong! includes vitamins for hair, shampoo, & conditioner.posted by news @ 12:04 pm posted by news at 2:18 am 0 comments   wild growth hair oil the hair bible: the ultimate guide to healthy, beautiful hair forever by susan craig scott and karen w. bressler (paperback - april 22, 2003)excerpt - page 12: "... a new york city curly hair specialist. "sometimes our hair is tamed, controlled , elegant, or easy, but sometimes it's wild and uncontrollable. if we are ..."at last, medical science explains "bad hair days" -- and what you can do to avoid them!the straight-haired among us long for curls, yet those so endowed wish to tame their headstrong locks. although you can't change what you were born with, you can make the most of the hair you have -- by knowing the physiological, chemical, and even psychological causes of the most common hair problems. dr. susan craig scott, a hair-replacement surgeon, consults with other medical authorities and beauty experts to present the ultimate companion to having vibrant, healthy hair at any age. the hair bible is every woman's guide to• best daily treatments, products, and hair care tools• styling without damage• finding your look• fixing styling mistakes• choosing wigs, extensions, and other alternativesthe hair bible also tackles a major concern for millions of women: hair loss. dr. scott explains how stress, diet, prescription medication, vitamin deficiencies, chronic illness, and other factors affect hair growth -- and, with a keen awareness of the emotional strains on women coping with thinning hair, she presents up-to-the-minute information on all treatment options:medical and pharmaceutical: minoxidil, cortisone, and hormone therapies natural: herbal products, stress management, and fitnessnutritional: dietary changes for improved hairsurgical: implants, grafting, scalp reduction, and moreget to the root of your hair care concerns. turn to the hair bible for answers -- and make every day a great hair day!posted by news @ 11:54 am posted by news at 1:56 am   hair growth inhibitor kalo hair inhibitor lotion- inhibits unwanted hair growth permanently.- soothing and gentle feel.- up to 50 per cent of the hair permanently gone within six months.- painless as opposed to waxing or tweezing.- every time you remove hair and then use kalo, you can expect that 10 to 15 per cent of the hair will never grow backyou can remove hair by shaving, depilatories, waxing and tweezing, but it always grows back. kalo, a new product from nisim international, is a revolutionary hair inhibitor that will permanently keep unwanted hair from growing back. sold as an aqueous spray mist ideal for large areas like legs and backs, or soothing lotion ideal for smaller and sensitive areas like face and bikini line. kalo's proprietary formula works directly in the follicle, neutralizing the key elements necessary for hair to grow, without damaging skin tissue or causing irritation. every time you remove hair and then use kalo, you can expect that 10 to 15 per cent of the hair will never grow back. this is because, at any given time, 10 to 15 per cent of hair on a person's body are in the anagen, or initial growth stage-the hair best affected by kalo. the 85-90 per cent of the hair that does grow back will be weaker, finer, and have less color. after only a few hair removal sessions, the results will be dramatically evident, with up to 50 per cent of the hair permanently gone within six months.kalo's effectiveness relies on first physically removing the unwanted hair in a way that removes the hair shaft and bulb without breaking the hair and leaves the follicle open: usually accomplished by waxing, sugaring or tweezing. after the hair is removed, kalo is applied over the area and thoroughly rubbed in: three times in succession the first day, three times in succession the next day. kalo is not used again until the next hair removal session.posted by news @ 10:29 pm posted by news at 1:07 am 0 comments   hair growth system follicare hair growth and restoration system* only takes 2 minutes a day.* stop hair loss within 2 months and start to see new hair growth.* easy to use.* patented by the us government* most effective way to use minoxidilthe follicare hair growth and restoration system includes follicare all natural topical spray, follicare nutritional supplement, follicare nutrient shampoo and 5% extra strength minoxidil. two months supply.shampoo, apply the topical spray and minoxidil (best when combined toether) and the dietary supplement. that's it! just a couple of minutes a day!posted by news @ 10:17 pm posted by news at 1:02 am 0 comments   thursday, august 03, 2006 help joint pain managing chronic pain: strategies for dealing with back pain, headaches, muscle & joint pain, cancer pain, abdominal pain by siang-yang tan (paperback - aug 1996)rapid recovery from back and neck pain: a nine-step recovery plan by fred amir (paperback - nov 1, 2002)excerpt - page 4: "... than 10,000 cases of back pain. even though ... fails to help patients. injecting methylyprednisolone acetate [cortisone] into the facet joints is of little value in ..."book descriptionthis is the second edition of rapid recovery from back and neck pain, originally published in 1999. this is a companion book to dr. sarno's mind over back pain, healing back pain, and the mind body prescription. it provides an easy and effective step-by-step plan based on techniques used by olympic athletes.rapid recovery from back and neck pain book is a unique and fascinating account of one man's search for a cure. you accompany the author as he searches, like a detective, for clues to solve the mystery of back and neck pain and share with him the joy of rapid recovery from months of pain and disability. you discover crucial research information as well as easy and effective strategies for rapid recovery. this book provides you the tools to design your own rapid recovery plan for a pain-free and active life.rapid recovery from back and neck pain features:. the revolutionary scientific discovery for the cause of most back, neck, and hand pain. crucial medical research that you are not likely to learn from most doctors or chiropractors. the noninvasive university treatment program with a phenomenal success rate. case studies of people who have recovered rapidly and avoided surgery, including those with herniated or buldging disc and carpal tunnel syndrome. special section for designing your own rapid recovery plan. fascinating information on related research from major universitiesposted by news at 1:27 am posted by news at 11:12 am 0 comments   arthritis knee pain how to eat away arthritis: gain relief from the pain and discomfort of arthritis through nature's remedies by laurie m. aesoph (paperback - oct 4, 1996)the arthritis foundation's guide to alternative therapies by judith horstman, william j. arnold, brian berman, and j. roger hollister (paperback - oct 15, 1999)arthritis rx: a cutting-edge program for a pain-free life by vijay vad (hardcover - mar 2, 2006)the arthritis cure: the medical miracle that can halt, reverse, and may even cure osteoarthritis by jason theodosakis and sheila buff (paperback - jan 1, 2004)exercise beats arthritis: an easy-to-follow program of exercises by valerie sayce and ian fraser (paperback - jan 15, 1998)the new arthritis breakthrough: the only medical therapy clinically proven to produce long-term improvement and remission of ra, lupus, juvenile rs, fibromyalgia, ... & other inflammatory forms of arthritis by henry scammell (hardcover - april 25, 1998)knee pain: the self-help guide by john garrett, bob reznik, and dick steadman (paperback - april 2000)the knee crisis handbook: understanding pain, preventing trauma, recovering from knee injury, and building healthy knees for life by brian halpern and laura tucker (paperback - oct 17, 2003)what your doctor may not tell you about knee pain and surgery : learn the truth about mris and common misdiagnoses--and avoid unnecessary surgery by ronald p. grelsamer m.d. (paperback - feb 1, 2002)no more knee pain: a woman's guide to natural prevention and relief by george j. kessler and colleen j. kapklein (paperback - dec 6, 2005)knee pain: a medical dictionary, bibliography, and annotated research guide to internet references by icon health publications (paperback - jan 31, 2004)assessing pediatric knee pain key as more kids play tough sports: structural vs. anterior.(clinical rounds): an article from: pediatric news by michele g. sullivan (april 1, 2004)posted by news at 7:32 am posted by news at 10:31 am 0 comments   menopause joint pain early menopause guidebook by the north american menopause society (paperback - sep 1, 2003)excerpt - page 22: "... more related to aging than menopause. these changes include weight gain, heart palpitations, joint pain, headache, and changes in the ..."healing joint pain naturally: safe and effective ways to treat arthritis, fibromyalgia, and other joint diseases by ellen hodgson brown (paperback - jun 12, 2001)excerpt - page 50: "... in their mid-thirties or at menopause. the main ... aches and pains, but the ... in the joints, constipation or diarrhea, cold intolerance, ..."the joint health prescription: 8 weeks to stronger, healthier, younger joints by james m. md rippe (paperback - nov 26, 2002)excerpt - page 13: "... for improving and protecting your joint health. female ... true after menopause. for this reason, women should ..."internal cleansing : rid your body of toxins to naturally and effectively fight heart disease, chronic pain, fatigue, pms and menopause symptoms, and more (revised 2nd edition) by linda berry (paperback - dec 28, 2000)excerpt - page 30: "... of the eyebrow, hyperlaxity of joints (being double- jointed), and backward-facing ..."see more references to menopause joint pain in this book.your perfectly pampered menopause: health, beauty, and lifestyle advice for the best years of your life by colette bouchez (paperback - april 5, 2005)excerpt - page 71: "... increased risk of- - bone, joint, and muscle pain and immobility ..."living well with menopause: what your doctor doesn't tell you...that you need to know (living well) by carolyn chambers clark (paperback - aug 1, 2005)excerpt - page 36: "... muscles, hot flashes, and other menopause changes. all ... of estrogen. joint and muscle pain joint and muscle pain can ..."posted by news at 3:43 pm posted by news at 10:11 am 0 comments   herbal remedy joint pain using herbs as a remedy for joint pain :joint pains: a guide to successful herbal remedies (paperback)by penelope ody book descriptionincluding information on basic relevant anatomy and pathology, important dietary guidelines, and eastern and western approaches to herbal pain relief, this guide clarifies the latest research findings and explains how patients can make and use their own herbal remedies. also included is information on aromatic remedies, diet, and food supplements and additives that can enhance an herbal approach to relieving joint pain. a glossary of medical terms, a reading list, advice for choosing a medical practitioner, and a list of suppliers with contact addresses provide additional help for joint-pain sufferers.about the authorpenelope ody is the author of complete medicinal herbal, which has sold more than 950,000 copies worldwide. she is a member of the national institute of medical herbalists, a fellow of the herb society, and edited the society's herbs journal for six years.posted by news at 2:20 pm posted by news at 9:36 am 0 comments   glyconutrients and joint pain nutratose (60 caps) - new gold standard for phyto and glyconutrient supplementation by techmedica healthcareproduct descriptionnew cutting edge orthomolecular blending technology is just beginning to revolutionize the world of natural medicine as we know it. techmedica health is the first and only glyconutriceutical formulator ever to apply this level of quality into any food supplement. nutratose provides another very important group of nutrients called phytonutrients. these are the potent and beneficial nutrients that are carefully selected from living plants and utilized in their biologically active forms. plants are the building blocks of all medicine; even drugs are based upon chemical copies of our time tested botanical friends. in fact, before their common use as foods, many vegetables and fruits first gained notoriety as medicines. plant based cures underscore almost every culture and folklore. how many years have we all been told to finish eating our fruits and vegetables? inarguably, many of the diseases afflicting the american population are a direct result of a lack of phytonutrients in the diet. these phytonutrients are absolutely necessary for the body to achieve and maintain optimal health. glyconutrients are vital for inter-cellular communication and phytonutrients are important for cellular repair. phytonutrients are also vital in many critical processes all the way down to your dna level. our nutratosetm formulation is enhanced with phytonutrients that are easily absorbed and quickly metabolized by every kind of genetic make-up and body-type. nutratose optimizes your overall health at the cellular level to keep you on a natural path to well being. nutratose provides superior nutritional support for each cell at the dna level. no other company has the innovative technology to deliver the complete spectrum of these eight essential and rare saccharides. by improving the quality of your cell membranes, you directly enhance your overall health, and nothing is more important than improving quality of life and that of your loved ones.3 minutes to a pain-free life: the groundbreaking program for total body pain prevention and rapid relief by joseph weisberg and heidi shink (paperback - april 26, 2005)book descriptionrelieve and prevent chronic pain forever with this simple, safe, and sure-fire three-minute daily program!imagine a world free of aches and pains...no back pain, headaches, joint stiffness, or arthritis; no expensive ergonomic equipment or pain medications. with dr. joseph weisberg's revolutionary new system, a pain-free life is now within reach of everyone--even those who have endured chronic pain for years.at the heart of dr. weisberg's system is the 3-minute maintenance method--a unique program for all ages and fitness levels that eliminates the conditions that cause pain in the first place. by utilizing six different thirty-second therapeutic movements the program makes it possible for the body to keep itself free of pain.thanks to dr. weisberg's groundbreaking program, relief--and a lifetime of healthy muscles and joints--is finally at hand. in fact, it's just three minutes away!posted by news at 12:19 pm posted by news at 9:13 am 0 comments   vitamin for joint pain prevention's healing with vitamins: the most effective vitamin and mineral treatments for everyday health problems and serious disease by the editors of prevention health books and alice feinstein (paperback - mar 15, 1998)excerpt - page 44: "... dr. johnston. early signs of vitamin c depletion ... hemorrhages and pain in muscles, bones and joints. t1sing vitamin c safely scan ..."book descriptionprevention's healing with vitaminsthe ultimate guide to using nature's powerhouse nutrients for preventing and curing disease.you'll discover:the 4 antioxidant nutrients that hold back the aging process (page 68).the 9 key vitamins and minerals to take if you're overweight and trying to lose pounds (page 444).the 4 main nutrients that combat fatigue (page 246).why you don't want to go on a low-salt diet if you have high blood pressure (page 298).the vitamin that nuetralizes artery-clogging cholesterol (page 288).the nutrients that chase allergies (page 80).the 3 main vitamins and minerals that help prevent wrinkles (page 560).the 8 key nutrients for boosting yoru immune system (page 326).the vitamins and minerals you need if you're facing surgery (page 527).the 5 nutrients that protect you from smog (page 512).the 3 minerals and 2 vitamins that help banish pms (page 462).the b vitamin that every pregnant woman should take to prevent birth defects (page 116).posted by news at 11:53 am posted by news at 8:52 am 0 comments   wrist joint pain phiten titanium wrist band (pair), color: blue product features* relieves pain in your all-important joints, the ankle or wrist.* the heat generating properties of phiten's titanium fabric. (cotton, acrylic, nylon, polyester, polyurethane)product descriptionfree samples for $30 or more purchase. this product contains aqua-titanium that is water-soluble titanium produced through phiten's original phild process technology. one size fits all. caution: please keep out of children. if skin becomes irritated, discontinue use. no return, no exchange on this product......................................................hoe: hand with wrist support product descriptiontake the pain out of raking your garden. this ergonomically balanced hand hoe is generously padded. it takes the strain off of your joints with its revolutionary arm support. this extraordinary tool is made in the u.s.a. with high strength carbon steel.posted by news at 11:19 am posted by news at 8:21 am 0 comments   muscle and joint pain relief muscle pain relief in 90 seconds: the fold and hold method by dale l. anderson (paperback - dec 6, 1994)excerpt - page 43: "... can alleviate the upper back pain and tender ... pain and muscle pain relief in 90 seconds ..."book descriptionrelieve your muscle pain in seconds! you’re now only 90 seconds away from getting rid of many of your muscle pains, completely drug free! if you suffer from back pain, tennis or golfer’s elbow, head or neck pain, wrist pain, shin splints, carpal tunnel syndrome, or many other common muscle aches, dr. dale anderson’s innovative "fold and hold" technique can help! "fold and hold" combines simple, safe, biomechanical self-treatment with the natural healing powers of the human body. the result is muscle pain relief in 90 seconds. here are just a few of the benefits:* you can do it yourself—no need for expensive tests or "fixes" from physicians, physical therapists, or chiropractors.* it’s comfortable—remove your tender spots by finding a non-painful position.* it’s convenient—can be done anywhere, anytime. no appointment needed.* it provides extended pain relief by treating the cause of the pain, not the symptom.* it requires no drugs, dietary supplements, special instruments, or machines.muscle pain relief in 90 seconds clearly teaches the right moves to ease over 20 muscle problems, from a stiff neck to ankle pain. this revolutionary method is a must for everyone with muscle twinges and aches...........................................fluidjoint adult extremum direct application dispersacream penetrating pain relief, 3-ounce bottles (pack of 2) by fluidjointproduct features* fast acting, works on contact* penetrating pain relief, reaches where muscles and joints hurt* no grease, won't stain clothes when applied* pleasant scent, no lingering odor* penetrating pain reliefproduct description(5-methyl-2-(1-methylethyl)-cyclohexanol). penetrating pain relief: arthritis, hurting joints, muscle aches, back pain. dispersacream xt applicator. recommended by doctors and pharmacists, fluidjoint dispersacream offers fast and strong pain relief. one application from the easy-to-use dispersacream xt applicator penetrates deep into muscles and joints, temporarily alleviating the discomfort of arthritis, muscle aches or back paint. it dries quickly, with no grease, and no lingering odor. fast acting, works on contact. no grease, won't stain clothes when applied...........................................bengay greaseless pain relieving cream, 4-ounce tubes (pack of 3) by ben gayproduct features* fast-acting, strong medicine with warming power that penetrates into your muscles* provides soothing relief from minor arthritis pain, sore, aching and strained muscles and joints, and backaches* relief lasts for hours* classic, reliable, greaseless formulaproduct descriptiondeep penetrating pain relief. fast relief from minor arthritis, backache, muscle & joint pain. non-greasy cream. the active ingredients in bengay may offer temporary relief when applied to the site of minor joint and muscle pain. the arthritis foundation advises you to seek medical advice to obtain an accurate diagnosis and then a comprehensive management plan including medications, exercise, weight control or other techniques.posted by news at 10:49 am posted by news at 8:02 am 1 comments   joint pain medicine fentanyl patches ease pain in large-joint osteoarthritis.: an article from: internal medicine news by bruce jancin (sep 15, 2005)this digital document is an article from internal medicine news, published by thomson gale on september 15, 2005. the length of the article is 473 words.citation detailstitle: fentanyl patches ease pain in large-joint osteoarthritis.author: bruce jancinpublication: internal medicine news (magazine/journal)date: september 15, 2005publisher: thomson galevolume: 38 issue: 18 page: 18(1)excerpt. © reprinted by permission. all rights reserved.vienna -- transdermal fentanyl brought effective pain relief to patients with advanced knee or hip osteoarthritis in a large randomized, double-blind, placebo-controlled trial, jozef vojtassak, m.d., reported at the annual european congress of rheumatology.fentanyl patches have previously been shown in studies to be effective for a variety of types of chronic nonmalignant pain, including that associated with osteoarthritis. until now, however, the evidence has come primarily from open-label studies, according to dr. vojtassak of comenius university, bratislava, slovakia.posted by news at 8:58 am posted by news at 7:21 am 0 comments   dr. frank's joint & muscle pain relief dr frank's joint & muscle pain relief spray as seen on tv by asseenontvguysproduct features* homeopathic ingredients are known for not having side effects* the first and only oral spray to combine 10 homeopathic ingredients to stop inflammation, pain & stiffness* no pills , no syrups , no water needed to wash it down* just spray under the tongue and swallow* all naturalproduct descriptiondr. frank's joint & muscle pain relief - homeopathic oral spray the first product to combine 10 homeopathic ingredients to stop... inflammation, pain & stiffness dr. frank's joint and muscle pain relief is: safe no worries about dangerous side effects homeopathic ingredients are known for not having side effects all natural easy to use no pills no syrups no water needed to wash it down just spray under the tongue and swallow unique & proprietary the first and only oral spray to combine 10 homeopathic ingredients to stop inflammation, pain & stiffness full 400 spray (2 oz.) bottle same as on tv.posted by news at 8:24 am posted by news at 6:33 am 2 comments   joint pain glucosamine glucosamine for joint pain :ultra joint health, liquid extract w/glucosamine & chondroitin (30 bottles x 10cc), 10.2 oz by prince of peace herbal supplementsingredientsserving size 2 servings per container 15 glucosamine hydrochloride 1,500 mg. chondroitin sulfate 1,200 mg other ingredients: distilled water, sugar and alcohol (contains less than 0.5%).as we age, our body's ability to produce the nutrients necessary for rebuilding cartilage declines. glucosamine is a natural ingredient that provides the necessary building blocks of cartilage, including cartilage adversely affected by aging and physical stress. it has been known to relieve join pain, repair joint damage, and has clinically been proven to repair worn and aching joints.* chondroitin is known to form, nourish, and replace collagen, which helps make up our cartilage. it attracts fluid to cartilage. this lubricating fluid acts as a shock absorber cushioning bones and joints.* prince of peace ent. inc. brings you this highly refined ultra joint health extract in a special formulation with glucosamine and chondroitin. using an advanced faster absorption. no more swallowing big hard pills! our special formulation helps to renew cartilage and ease the pain from everyday activities.directions: 2 vials daily. insert pointed end of straw through the top of cap. caution: contains shellfish derived materials - individuals allergic to shellfish use with caution. this product contains only pure natural ingredients, contains no slat, starch, yeast, soy, dairy, preservatives, artificial flavor or color. to feel the effectiveness of this extract, take it for at least 90 days. thereafter, adjust dosage accordingly to physical needs. *these statements have not been evaluated by the food and drug administration.posted by news at 7:48 am posted by news at 5:58 am   ankle joint pain joint pain aids :i.body glove safety deluxe ice pack wrap-one size fits all product features* patented design allows for easy positioning of cold therapy over knee, elbow arm, or ankle. premium medical plush closed cell neoprene* adjustable compression keeps bottle in place* wide-mouth bottle included.* fits knee, elbow, arm, ankle and wrist.product descriptionour body glove safety deluxe knee, elbow, arm, ankle and wrist ice pack wrap is an easy to use, effective method for applying cold therapy to injured areas. the patented design incorporates a wide-mouth ice bag and plush neoprene wrap that fits over the knee, elbow wrist or ankle and securely positions the therapy where needed. it has two adjustable straps to hold the ice bag in position and allows compression to hold the wrap in place.ii.ankle brace - the pull-on ankle supportproduct features* ankle brace - the pull-on ankle support provides protection and support whilst healing and can also help prevent injuries in weak and unstable ankles* it helps when extreme demands are placed on the ankles such as in basketball, baseball, running and other outdoor activities* it retains the heat produced by the body in a specific area and hence aids in the healing process* figure-eight elastic strap for variable compression and support* it helps very weak or unstable ankles with possible permanent ligament stretching, which will physically help, prevent the ankle from turning over.for joint pain, ankle ligament, ankle problems, leg pain, relaxes ankles, less stress on injured legs and ankles.product descriptionankle brace - the pull-on ankle support provides protection and support whilst healing and can also help prevent injuries in weak and unstable ankles, magnetic ankle support also helps when extreme demands are placed on the ankles such as in basketball. ankle brace - the pull-on ankle support retains the heat produced by the body in a specific area and so aid the healing process. ankle brace - the pull-on ankle support produces heat, which encourages blood vessels to dilate, and so allows more blood to the injured area. the more blood that gets to the injured area, the more nutrients it will get and the faster it will heal. it will give mild support. ankle brace - the pull-on ankle support, if you have very weak or unstable ankles with possible permanent ligament stretching then something more substantial, which will physically help, prevent the ankle from turning over. ankle brace - the pull-on ankle support also provides more support and can prevent ankles from repeated sprains. figure-eight elastic strap allows variable compression and support. two velcro side closures with cutout heel. redesigned for improved fit and durability.posted by news at 6:03 am posted by news at 5:12 am 0 comments   joint pain treatment rite life® inversion table relaxes sore muscles, improves, encourages good posture and relieves back painable - relaxes sore muscles, improves, encourages good posture and relieves back pain !! by vedant gifts product description who says you can't fight the laws of gravity? everyday, our bodies go through stresses which we're not even aware of. at the end of it all, it affects our posture, level of comfort, our ability to relax and most importantly, our overall health rite life® inversion table relaxes sore muscles, improves, encourages good posture and relieves back pain. great for your back. as an alternative to invasive back treatments, inversion therapy can strengthen your back, elongate your spine and eliminate the pressure from your discs, ligaments and nerves. in addition, inversion treatments help improve blood and lymphatic circulation while relieving overall pressure from your spinal column. you'll feel great and move with more fluidity too! easy to use getting on and off the inversion table is safe and simple. once you're on, you lie flat on your back and stretch your back muscles. you can decide which angle is most comfortable and effective for you. you can lie at an angle, completely horizontal, or completely vertical while upside-down. with padded ankle and heel holders and an adjustable leg boom, you can be certain that the inversion table is safe and effective for most body types and heights. and when you've finished, the inversion table folds away for easy storage against a wall, or under the bed! stretch away the stress. includes: inversion table, assembly instructions, user manual, warm-up and cool-down exercise guides. during a typical day, we can spend hours sitting in traffic or at our desks, run around all day from one errand to the next, or lift and carry heavy objects all day. that takes a toll on the body and mind. rite life® inversion table loosens stiff muscles and restores a sense of balance to your body. posted by news at 5:37 am posted by news at 4:59 am 0 comments   joint pain reliever 2 joint pain relievers by biofreeze :biofreeze(r)- 3 oz. roll-on product features* effective helps relieve pain from: sore muscles & muscle sprains; back, shoulder, neck pain* relieves pain from arthritis, painful ankles, knees, hip and elbow joints.* use before ultrasound treatments, massage therapy, trigger point therapy* use as pre- and post- exercise, workouts, stretching, rehabilitation exercises* cryotherapy pain relief in easy to apply roll-onindicationssore muscles, muscle sprains, back pain, shoulder pain, neck pain, arthritis, joint pain, ankle pain, knee pain, hip pain, elbow pain, trigger point therapy, acute pain, muscle spasms, acute spasmsingredientsactive ingredients: menthol 3.5%; camphor 0.2%. inactive ingredients: water, isopropyl alcohol, herbal extract (ilex paraguariensis), carbomer, triethanolamine, silicon dioxide, methylparaben, fd&c yellow #5, fd&c blue #1.biofreeze pain releving gel indicationsneck pain, hip/leg/knee pain, back ache/pain, tension, stress, arthritis, arm/shoulder pain, muscle pain/strain and soothes aches. before & after exercise, pain relief in combination with ultrasound treatments & massageingredientsyellow dye #5 and blue dye #1. the dye in biofreeze is the same dye used in many of the foods you eat everyday. the amount of dye in an entire tube of biofreeze is less then the amount of dye in one single m&m candy. gluten free. ilex is a natural herb extracted from a south american holly shrub. alcohol-free, petroleum-free.directionscan be used as often as necessary - up to 4 times per day. the application can be applied pre-treatment to acute areas of muscle spasms to allow for a faster relaxation of muscle involvement and better treatment response. the roll-on is also a convenient application for the patient at home to continue care for these acute conditions. as a roll-on it also affords the office staff a very hygienic delivery system for applying biofreeze to the patients.posted by news at 4:54 am posted by news at 4:04 am 0 comments   menopause and joint pain healing joint pain naturally: safe and effective ways to treat arthritis, fibromyalgia, and other joint diseases by ellen hodgson brown (paperback - jun 12, 2001)excerpt - page 50: "... sufferers are women, most commonly in their mid-thirties or at menopause. the main symptoms are persistent aches and pains, but the condition can also ... feelings of swelling in the joints, constipation or diarrhea, cold intolerance, disturbed sleep, tingling, and headaches. ..."book descriptionfor the more than 43 million sufferers of arthritis and similar afflictions, a safe, effective, natural method for reversing such diseases without drugs or potentially harmful side effects.when veteran health writer ellen hodgson brown found herself suffering from an arthritic hip so painful that sleep was almost impossible, she did not surrender to painkillers or replacement surgery. instead, she undertook extensive investigation into natural remedies and schools of alternative medicine and devised an eclectic home protocol of fasting and nutritional healing. the result: the arthritis disappeared completely, leaving her feeling better than she had in years.in healing joint pain naturally, brown shares what she's learned in her journey to renewed wellness, in the process proving that the course of arthritis can be reversed. she first investigates the causes of joint disease, examining the roles of stress, poor nutrition, and energy blockage. she then covers the therapeutic possibilities of altered diet and detoxification; supplementation therapies of natural substances that offer safer pain relief without long-term side effects and that promote healing; and regulation therapies, ranging from exercise, massage, and chiropractic to chelation, homeopathy, and acupuncture. her belief throughout is that healing is a natural process that can be promoted more by respecting the wisdom of the body than by waging war. inspiring, wide-ranging, eclectic, healing joint pain naturally brings a message of hope and bodily renewal to millions who have resigned themselves to a life of pain.posted by news at 4:32 am posted by news at 3:41 am 0 comments   pain in joint healing hip, joint, and knee pain: a mind-body guide to recovering from surgery and injuries by kate s. o'shea (paperback - feb 1998)excerpt - page 2: "... 2 healing hip, joint, and knee pain to become more knowledgeable about yourself, giving you tools to ..."----------------------------------------------the pain-free program: a proven method to relieve back, neck, shoulder, and joint pain by anthony b. carey (paperback - sep 14, 2005)excerpt - page 74: "... ailments associated with this kind of postural alignment include lower-back pain, spondylosis and spondylolesthesis, hip joint pain, groin strains, tight hamstrings, and rotator cuff problems. form ..."----------------------------------------------taking control of tmj: your total wellness program for recovering from tempromandibular joint pain, whiplash, fibromyalgia, and related disorders by robert o. uppgaard (paperback - mar 1999)excerpt - page 8: "... maintains a relaxed position for long periods of time, tm joint pain often disappears, and teeth are allowed to move slightly to ..."----------------------------------------------how to deal with back pain and rheumatoid joint pain by fereydoon batmanghelidj (paperback - oct 1991)excerpt - page 17: "... burden of pregnancy, has had or develops very early chronic pain of the joints, be they the lower vertebral joints (back pain) or the ..."----------------------------------------------the pain-free program: a proven method to relieve back, neck, shoulder, and joint pain by anthony b. carey (paperback - sep 14, 2005)excerpt - page 74: "... ailments associated with this kind of postural alignment include lower-back pain, spondylosis and spondylolesthesis, hip joint pain, groin strains, tight hamstrings, and rotator cuff problems. form ..."posted by news at 4:01 am posted by news at 3:04 am 0 comments   joint pain and swelling how to deal with back pain and rheumatoid joint pain by fereydoon batmanghelidj (paperback - oct 1991)excerpt - page 56: "... to educate themselves on their body's signals of dehydration. rheumatoid joint pain is a direct signal of ... will gradually disappear. the local swelling of the joint surfaces will possibly disappear too. what is ..."book descriptionhow to deal with back pain and rheumatoid joint pain is a practical manual based on the author's many years of research and numerous clinical observations. the book introduces a new medical technology to treat and prevent back pain and rheumatoid joint pain.* learn the vital information on the mechanics behind your spinal column, the role of the disc and its needs for water.* learn the simple body movement that will promote fluid circulation in the disc spaces that will result in relief of the back pain and sciatic pain.* it is simple, safe and inexpensive. don't hate yourself for missing out on this information.posted by news at 3:41 am posted by news at 2:42 am 0 comments   joint muscle pain it's not just growing pains: a guide to childhood muscle, bone and joint pain, rheumatic diseases, and the latest treatments by thomas j. a. lehman (hardcover - may 20, 2004)excerpt - page 8: "... part that you know hurts. when evaluating a child with muscle, bone, or joint pain it is important to understand that each of the conditions ..."book descriptioncornell univ., new york city, ny. provides practical guidance for physicians to the common causes of muscle, bone, joint, and arthritis pain in children. offers numerous case examples illustrating various topics and presents practical advice. summarizes diagnostic tests, medications, physical therapy, and surgical options.from the authorthis book is written to help the parents of children with joint pain and childhood arthritis and the many nurses, teachers, therapists and physicians who care for them understand the conditions which cause joint pain and make sure these children get the proper diagnosis, the best care, and the best possible outcome.posted by news at 3:08 am posted by news at 2:17 am 0 comments   shoulder joint pain the pain-free program: a proven method to relieve back, neck, shoulder, and joint pain by anthony b. carey (paperback - sep 14, 2005)excerpt - page 28: "... the side, also shows the proper positioning of those weight-bearing joints stacked on top of each ... joints. the placement of the shoulders and the head are also ... to move together. 28 the pain-free program figure 6 blueprint front view ..."book description"anthony carey hits the bull's-eye! striving for a pain-free lifestyle is a goal we all want to achieve, and this book is a powerful tool to help you attain it."—bradford stiles, m.d., medical director of california sports & industrial medical center"anthony carey's unique approach to promote the proper function of the whole body in order to support and heal the problematic area delivered the results that made me a lifetime believer. i continue to utilize anthony's techniques to train and heal my body every day. i only wish i would have found his program earlier in my career."—erik kramer, former nfl quarterbackan innovative, therapeutic exercise program to stop the pain for goodif you're one of the millions who suffer from chronic back, neck, shoulder, and joint pain, all you can think about is relief. now, exercise physiologist anthony carey presents a breakthrough whole-body approach to pain relief that will help your body function and heal the way it was designed to.the pain-free program shows you how to assess and treat the underlying cause of your pain rather than trying to simply fix your symptom area alone. carey provides an individualized program for your specific body form, complete with customized exercise routines. this prescriptive guide:* addresses the full range of pain sources, outlining the typical "hot zones" where pain tends to occur and why* presents customized programs based on 6 major body forms identified by the author* features over 100 photographs and illustrations that demonstrate appropriate exercise positions, techniques, and modifications* reveals how you can prevent future injuriesthe pain-free program gives you the tools you need to get rid of the pain for good—and stay healthy for the rest of your life.posted by news at 2:47 am posted by news at 1:51 am 0 comments   chronic joint pain managing chronic pain: strategies for dealing with back pain, headaches, muscle & joint pain, cancer pain, abdominal pain by siang-yang tan (paperback - aug 1996)--------------------------------------gunn approach to the treatment of chronic pain: intramuscular stimulation for myofascial pain of radiculopathic origin by c. chan gunn (hardcover - jan 15, 1996)--------------------------------------understanding chronic pain: a doctor talks to his patients by robert t., jr., m.d. cochran (hardcover - jan 2004)excerpt - page 11: "... profound changes in mood. these, certainly, are the symptoms of chronic pain, but in the migraineur they ... an inflammatory disease of the joints. it is a crippling and sometimes even mutilating disease, and ..."--------------------------------------cognitive therapy for chronic pain: a step-by-step guide by beverly e. thorn (paperback - aug 31, 2004)excerpt - page 17: "... give rise to emotional responses (e.g., anxiety, worry, fear of pain or reinjury) and behavioral responses ... not the only aspect of chronic pain that is perceived as stressful. patients rarely maintain the ..."--------------------------------------posted by news at 2:18 am posted by news at 1:33 am 0 comments   knee pain knee pain: the self-help guide by john garrett, bob reznik, and dick steadman (paperback - april 2000)excerpt - page 1: "... [veryfhing you need to know about knees if you have knee pain, rest assured you are far from alone. each year 6 ..."book descriptioncowritten by one of the nation's most prominent knee surgeons and the atlanta falcons' former team surgeon, this step-by-step guide offers an invaluable resource for anyone who is trying to cope with painful knees. the authors discuss the most common knee problems and describe a wide range of treatment and prevention options. throughout, a variety of exercises to relieve pain, strengthen the knee, and prevent injury are clearly illustrated with drawings and photographs.posted by news at 1:53 am posted by news at 1:07 am 0 comments   hip joint pain resources on hip joint pain :childhood hip pain may flag later arthritis: due to impingement. (children's health).: an article from: family practice news by anne scheck (digital - may 15, 2004)book description - this digital document is an article from family practice news, published by international medical news group on may 15, 2004. the length of the article is 8371 words. distributed by thomson galeexcerpt. © reprinted by permission. all rights reserved.san francisco -- hip pain in a child-can flag abnormalities in bone development that are correctable early in life but can lead to arthritis if left untreated, dr. robert trousdale cautioned at the annual meeting of the american academy of orthopaedic surgeons.pain in the hip or groin area is the primary symptom in children at risk for serious musculoskeletal disorders. though pulled muscles and strained tendons often are thought to be the cause when young patients report such aches, once such injuries are ruled out, the likely source is musculoskeletal. "look for structural problems" in such cases, advised dr. trousdale, an orthopedic surgeon at the mayo medical center, rochester, minn.the surgical relief of pain in arthritic disease;: the hip and knee joints, by robert a herfort (unknown binding - jan 1, 1967)posted by news at 12:28 am posted by news at 12:33 am   arthritis joint pain reference book list :1. living life free from pain: treating arthritis, joint pain, muscle pain, and fibromyalgia with maharishi vedic medicine by kumuda reddy, janardhan, m.d. reddy, and cynthia lane (paperback - mar 2002)2. how to deal with back pain and rheumatoid joint pain by fereydoon batmanghelidj (paperback - oct 1991)3. the essential guide to arthritis medications: prescription and over-the-counter treatments for your joint pain from a to z by from the editors of arthritis today (paperback - april 25, 2006)4. making joint decisions: preventing and relieving arthritis pain (natural remedies for common ailments and conditions) by anne hunt and eric mein (paperback - sep 1991)5. healing joint pain naturally: safe and effective ways to treat arthritis, fibromyalgia, and other joint diseases by ellen hodgson brown (paperback - jun 12, 2001)6. joints of pain : living my life with rheumatoid arthritis by laura pietro (paperback - dec 31, 2000)7. joint venture: a holistic approach to relief from arthritis pain: an article from: better nutrition by brenda adderly (digital - mar 31, 2001)8. arthritis, modern treatment for that old pain in the joints (dhhs publication) (dhhs publication) by ricki lewis (unknown binding - jan 1, 1992)posted by news at 12:00 am posted by news at 12:03 am 0 comments   links google news access health and wealth previous posts bounce back from bankruptcy online bankruptcy 7 mistakes to avoid prior to filing bankruptcy non-attorney bankruptcy service obtaining a credit card after bankruptcy bankruptcy auto loan state of bar texas bankruptcy law section bankruptcy car loan bankruptcy financing kentucky redemption bankruptcy student loan archives july 2006 august 2006  

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