วันพุธที่ 29 กรกฎาคม พ.ศ. 2552
Coldwater, MI - Theater and a Haunted House
<p>Visit Coldwater to do some sightseeing. Coldwater is the home of the Tibbits Opera House. Opened in 1882, it was a stopping point for vaudevillians and thespians going between Detroit and Chicago. Some of the personalities who graced the stage were the Barrymores, Eddie Foy Jr., Joseph Jefferson, Chicago Symphony, etc. The Opera House is undergoing a major restoration project. Free tours are given when there is no rehearsal going open. The main drag is called Chicago Road, AKA as Sauk Trail. This is the same Sauk Trail which was only a block from our old house in Park Forest. Almost like a dirty penny, shows up everywhere.</p><p>Visit the Wing House. The house was constructed in 1875, by the son of the first mayor of Coldwater. He built it for his 'mail order bride' from New York. The house is like a French Cottage. It looks more like a Parisian house of ill repute. Obviously the architect did not understand the psyche of a woman: small rooms, gaudy colors, little room for a growing family. The bride did not care for the place and the local women shunned her. She left her husband and went back to the Big Apple. Supposedly she was not the runt of the litter, but comely and well dressed.</p><p>The guide, also the curator, was very knowledgeable about the house. The piece de resistance is that the place is also haunted. The haunting have been verified on film and sound. More interesting is that the woman who haunts the house never lived there. But she was one of the relatives.</p><p>John Pelley is a Geriatric Gypsy. He is retired from the rat race of working. He is a full-time RVer, who ran away from home. He began our travels on the East Coast and, like the migrating birds, seek the warmth of the seasons He has discovered volunteering with the National Park System. He has a CD he has recorded of Native American flute music., A Day with Kokopelli. For pictures, links, and more information visit <a target="_new" href="http://www.jmpelley.org" rel="nofollow">http://www.jmpelley.org</a></p>
Personal Healthcare Reform - Physical, Emotional, Intellectual & Spiritual
<p>Healthcare Reform in the United States has been getting a lot of press lately, and one thing seems certain; we continue to place a monetary value on life. Something that should be a right is being used for extreme profit and individuals all across the world pay the price. No matter where you are in the world, you cannot count on a government or privatized healthcare system. It's time to depend on yourself for the best care in the world.</p><p>There are 4 areas of health that should be focused on and they exist in the following hierarchy: Spiritual Health, Intellectual Health, Emotional Health & Physical Health.</p><p>Think of each level as including the levels below it. When we address our spiritual health, we are in effect including the other areas. What most of us do is address only our physical health, and we only do that when we want physical pain to go away or to be more visually pleasing. This article will take you through all 4 levels, beginning with the lowest level and moving towards the highest.</p><p><b>Physical Health</b>
<br>The physical health level is really where we see the results of our view of the world. It is where symptoms of problems show themselves when we do not pay attention to the other signs we receive from the other levels. As an example, a person that went through a bitter divorce 25 years ago, but still holds on to the anger associated with that relationship may later develop cancer, ulcers, or asthma. These are all conditions associated with holding on to anger, or feelings of being trapped by anger. We will treat the physical symptom of the much deeper issue, but we very rarely look for the source of the problem, which lies in our thinking. Caroline Myss publishes wonderful material about this phenomenon, if you are interested in understanding this point further.</p><p>The other side to physical health is understanding that while you are not your body, you as soul experience the physical realm through your body. Your body is a container. Actually, it's more like a vehicle. So as a visualization, your body is the car that gets you from here to there and back again, and you (soul) are the driver. Your senses are like the indicators on a car dashboard. They collect and communicate data about the environment around you, about the status of the vehicle, and they can alert you to potential physical issues.</p><p>When your car breaks down, you are stuck without transportation. The same is true of your body. When it is severely damaged, it will limit your mobility. When the damage is taken to the extreme, it can no longer hold the driver. Also, you can have small issues that mount up to cause a major breakdown. Most of us actually take better care of our cars and homes than we do ourselves. We'll spend the extra dollars on our cars for top-notch oil, regular car maintenance appointments, and carefully watch the miles we put on it. However, we will not pay extra money for more healthy and natural foods, regular doctor and dentist appointments, and ensure that we are receiving enough water and rest.</p><p><b>Emotional Health</b>
<br>The emotional health level deals with our ups and our downs, and the lack of balance we feel emotionally. We have poor emotional health when we allow our emotions to run back and forth between extremes, or when we give our ability to control our emotions over to someone else. The extremes we run may be between depression and high points of temporary happiness. It may be between anger and indifference. It may be between cockiness and insecurity. Poor emotional health also results when we allow others to "push our buttons." In reality, we are simply reacting to them in the way that we always react to a similar situation. We have an emotional trigger that someone has figured out how to set off. Our conditioned response kicks in, and we feel as if we are out of control of the results.</p><p>Good emotional health lies within a middle approach to our emotions and within taking responsibility for how we respond emotionally. For example, between cockiness and insecurity lies a healthy confidence and courage. Between anger and indifference lies blamelessness and forgiveness. Between depression and temporary happiness lies healthy self-esteem and bliss. The key to stopping the emotional extremes is to center oneself in the middle of situations. In learning how not to take things so personally or to ignore them completely is the key to seriously looking at and taking responsibility for your emotions. Your emotional response is always your decision, regardless of whether or not you consciously make that decision. And when our emotional health is poor, we can feel the effects physically.</p><p>The other side to good emotional health is taking responsibility for your emotional responses. Eleanor Roosevelt once stated, "No one can hurt your feelings without your permission." In other words, people do and say what they will, and you choose how you will respond to it. We are so used to playing the victim role in our lives to escape responsibility that we habitually respond the same way in like situations over and over again. To us it feels as if someone else always controls how we feel. In actuality, you decide how you will feel each and every time. When you choose to take on that responsibility, you take away the emotional remote control you previously gave away to anyone that wanted to push your buttons.</p><p><b>Intellectual Health</b>
<br>Our intellectual health deals with how we think about ourselves, other people, and the world around us. This is the level of our thoughts, beliefs, and judgments. Poor intellectual health consists of self-limiting beliefs and the trafficking of judgments. Self-limiting beliefs are those beliefs we invest our energy into that prevents us from being all that we can be. Examples may be, "I'm not deserving of a lot of money," "I'll never find love," "They will never promote me," "Beautiful women aren't attracted to me," "There are no good single men out there," and "I don't deserve the very best."</p><p>What happens is that we create and believe these self-limiting beliefs, and then our actions flow from them. So, when we believe that we don't deserve a lot of money, we don't seek, and are not open to, opportunities to create wealth. When we believe that we will never find love, we simply stop trying, and we may even reject what appears to be love because we can't believe it is possible for us. When we believe that beautiful women or handsome and good single men are not available or interested in us, we don't see them when they are right in front of us, and we don't believe they can be really attracted to us, even when they show us all the signs. When you don't believe that you deserve the best, ask yourself what you are willing to accept.</p><p>Judgments create mental barriers between the truth and us. When you believe that someone is ugly based on whatever criteria you use, you fail to see the beauty they also possess. When you judge someone as bad, you may have caught them in a rare moment, but will never know what value they can add to your life because of how you decided to now see them. Your judgment prevents you from seeing anything other than your judgment. In essence, you've made a decision about how you will see that person going forward. The phrase, "the first impression is a lasting one," testifies to the affect our judgments have on people. With little to no information about a person or situation, we quickly judge it and see it in that light for a very long time or even until our death. Even when all subsequent behavior and situations run counter to your judgment, you hold onto it as if it were the most valuable thing on earth.</p><p>Good intellectual health is clear of mental blocks and free of judgments. Instead of having self-limiting beliefs, you see that all is possible. Rather than judgments, you observe the truth about this moment. When you free yourself of self-limiting beliefs, you stop asking why something isn't possible for you and begin asking how you can bring what you desire to fruition. You no longer search for reasons why you can't have something, and instead search for how to make it possible.</p><p>Many millionaires failed at several different businesses before they found success. They knew they could do it. They just needed to find the right combination of planning, materials, and process to make it possible. Success was never in question. Finding a way to that success was what they focused on. Regardless of what it is you would like in your life, you must first believe that it is possible. By doing so, you release the creative genius that is trapped in your subconscious mind, and you allow your soul to provide some direction through intuition towards what you seek.</p><p>Next, you must believe that you deserve it. In truth, there is no such thing as deserving or not deserving something. That is something that we made up in society as a way of controlling the behaviors of others. If you do this, then you are deserving, but if you don't, or you do that, you are not deserving. Spiritual truth is significantly higher than societal truth, and the spiritual truth is that abundance is available for everyone. You need only realize that it is yours for the taking. To believe that you are not deserving is to create another self-limiting belief. It is only true if you believe it to be.</p><p>Lastly, remain observant to the opportunities that will come pouring into your life. They may have always been there, but you may not have been able to see them. Or, because of your change in thought, you are now attracting opportunity to you. Either way, look for the opportunities that can lead you where you want to go, and then pursue them with the confidence that you can do it.</p><p>Freedom from judgment is the other side of good intellectual health. When you observe the truth of the moment, you aren't making a declaration as to what someone or something is. Rather, you are stating what that person or situation is expressing now. So, when you see a guy slam a door in anger, you don't label him an angry person. Instead, you understand that right now, he is angry.</p><p>The judgment that he is an angry person will have you see him that way regardless of how pleasant he is. However, the observation that he is angry right now allows for him to not be angry in the next moment. Rather than putting a label on him to wear for all eternity, you are allowing yourself to see what else is to this individual. You can observe what he is expressing in every moment you are in his presence, which will give you much stronger indications as to the type of person he is. Just as no one knows everything there is to know about you, you cannot know everything there is to know about him. So by observing instead of judging, you are allowing for that which you do not know about him to become known.</p><p><b>Spiritual Health</b>
<br>Spiritual health is the understanding of who you really are. Good spiritual health allows you to see that you are a part of spiritual energy and that same energy of creation is a part of you. In essence you are it and it is you. Everything is of spiritual energy. Therefore, everything is connected through spiritual energy. When you understand this truth, you begin to see that you can understand other people by seeking internally to understand yourself. Rather than searching for God out there in the heavens somewhere, you know that you only need to look internally to see that the energy of God has been inside of you all along. You carry within you the answer to every question ever asked or that has yet to be asked. You are infinity extended in all directions. Everyone and everything is simply an individual expression of that oneness.</p><p>To see this oneness in all things will change how you interact with the world. You will see yourself inside of each and every person you encounter. You will see the world in multiple dimensions, and not just the one dimension (surface) that we rely on today. You will understand that energy is all there is, and that everything is energy. Rather than seeing the permanence of everything, you will see that everything is transitioning into something else. Everything is a process. Change is the only constant. When you meditate or pray for something to manifest in your life, that prayer is extended inwardly, and you know that it must be created, because you and the creative energy are one.</p><p>Poor spiritual health is seeing everything as separate and seeing who we are as the body we inhabit. Just in seeing that everything is separate, competition and indifference to the suffering of others is automatically born. You will not see yourself in other people because to you, who they are is separate and distinct from you. The mantra here is, "every man for himself." When someone is having a difficulty, you think, "better him than me." When you have a struggle, you ask, "why me." When you pray, it is more of a hope that this being you call God will choose to not victimize you anymore and bring you what you request. Friends are people that don't cause you pain and that bring you pleasure. Enemies are people you see as standing in the way of your happiness or ushering pain into your life. You see yourself as either victimizer or victim depending on the circumstances.</p><p>Good spiritual health dictates that you need no one's approval, because everything is an expression of the same source. Poor spiritual health produces good and bad, benevolent and evil, and right and wrong. Good spiritual health teaches that you are born to express the spiritual energy that lies at your center. Poor spiritual health teaches that you were born evil from day one, and that you must be delivered from that evil through organized religious rituals by those that are "appointed" to speak with God on your behalf. Good spiritual health will show you that every moment of your life is a spiritual expression. Poor spiritual health ensures that certain moments, locations, and clothing are sacred, while others are of the devil.</p><p>Good spiritual health says that everything is one. Poor spiritual health shows us a battle between God and Satan (or whatever the comparable gladiators are in your way of thinking), which will determine our fates. Good spiritual health says that heaven exists in every moment of life, and that we can experience it if we allow ourselves to. Poor spiritual health says that the God that loves you will send you to hell if you don't do what He says through your "free will" and will send you to heaven if you do. Good spiritual health promotes unconditional love at all times. Poor spiritual health promotes conditional love based on the good or evil that you do in life.</p><p>Of the four areas of health, spiritual health is the most powerful. It is up to you to see that by taking a spiritual approach to the various areas of your life, you can have health in all areas of your life. To see yourself as separate and distinct, to give your power to communicate with divinity away to someone else, and to live as both victim and victimizer is the life you live today, which is not working towards your bliss and internal peace. Good spiritual health is to live within heaven on earth, while poor spiritual health is to live a hellish existence on earth. Both are here and now, and both are within your choice to experience and express.</p><p>James LeGrand is an Author, Life Strategist, and the publisher of <a target="_new" href="http://www.spiritualindividual.com" rel="nofollow">http://www.SpiritualIndividual.com</a>, a free weekly newsletter that presents solutions to life's issues through the lens of self-help, wisdom, philosophy and spirituality. He is the author of an Amazon.com best seller in Religion and Spirituality titled <a target="_new" href="http://www.amazon.com/Evolve-Spiritually-Everyday-Everywhere-Every/dp/0595405541/ref=pd_bbs_sr_1?ie=UTF8&s=books&qid=1238782709&sr=8-1" rel="nofollow">Evolve!</a>, and an Expert Author with EzineArticles.com & SelfGrowth.com. James LeGrand is also a former Radio Personality, and a Sifu in Shaolin Kungfu, which has been known for centuries as a pathway to spiritual enlightenment.</p>
<br>The physical health level is really where we see the results of our view of the world. It is where symptoms of problems show themselves when we do not pay attention to the other signs we receive from the other levels. As an example, a person that went through a bitter divorce 25 years ago, but still holds on to the anger associated with that relationship may later develop cancer, ulcers, or asthma. These are all conditions associated with holding on to anger, or feelings of being trapped by anger. We will treat the physical symptom of the much deeper issue, but we very rarely look for the source of the problem, which lies in our thinking. Caroline Myss publishes wonderful material about this phenomenon, if you are interested in understanding this point further.</p><p>The other side to physical health is understanding that while you are not your body, you as soul experience the physical realm through your body. Your body is a container. Actually, it's more like a vehicle. So as a visualization, your body is the car that gets you from here to there and back again, and you (soul) are the driver. Your senses are like the indicators on a car dashboard. They collect and communicate data about the environment around you, about the status of the vehicle, and they can alert you to potential physical issues.</p><p>When your car breaks down, you are stuck without transportation. The same is true of your body. When it is severely damaged, it will limit your mobility. When the damage is taken to the extreme, it can no longer hold the driver. Also, you can have small issues that mount up to cause a major breakdown. Most of us actually take better care of our cars and homes than we do ourselves. We'll spend the extra dollars on our cars for top-notch oil, regular car maintenance appointments, and carefully watch the miles we put on it. However, we will not pay extra money for more healthy and natural foods, regular doctor and dentist appointments, and ensure that we are receiving enough water and rest.</p><p><b>Emotional Health</b>
<br>The emotional health level deals with our ups and our downs, and the lack of balance we feel emotionally. We have poor emotional health when we allow our emotions to run back and forth between extremes, or when we give our ability to control our emotions over to someone else. The extremes we run may be between depression and high points of temporary happiness. It may be between anger and indifference. It may be between cockiness and insecurity. Poor emotional health also results when we allow others to "push our buttons." In reality, we are simply reacting to them in the way that we always react to a similar situation. We have an emotional trigger that someone has figured out how to set off. Our conditioned response kicks in, and we feel as if we are out of control of the results.</p><p>Good emotional health lies within a middle approach to our emotions and within taking responsibility for how we respond emotionally. For example, between cockiness and insecurity lies a healthy confidence and courage. Between anger and indifference lies blamelessness and forgiveness. Between depression and temporary happiness lies healthy self-esteem and bliss. The key to stopping the emotional extremes is to center oneself in the middle of situations. In learning how not to take things so personally or to ignore them completely is the key to seriously looking at and taking responsibility for your emotions. Your emotional response is always your decision, regardless of whether or not you consciously make that decision. And when our emotional health is poor, we can feel the effects physically.</p><p>The other side to good emotional health is taking responsibility for your emotional responses. Eleanor Roosevelt once stated, "No one can hurt your feelings without your permission." In other words, people do and say what they will, and you choose how you will respond to it. We are so used to playing the victim role in our lives to escape responsibility that we habitually respond the same way in like situations over and over again. To us it feels as if someone else always controls how we feel. In actuality, you decide how you will feel each and every time. When you choose to take on that responsibility, you take away the emotional remote control you previously gave away to anyone that wanted to push your buttons.</p><p><b>Intellectual Health</b>
<br>Our intellectual health deals with how we think about ourselves, other people, and the world around us. This is the level of our thoughts, beliefs, and judgments. Poor intellectual health consists of self-limiting beliefs and the trafficking of judgments. Self-limiting beliefs are those beliefs we invest our energy into that prevents us from being all that we can be. Examples may be, "I'm not deserving of a lot of money," "I'll never find love," "They will never promote me," "Beautiful women aren't attracted to me," "There are no good single men out there," and "I don't deserve the very best."</p><p>What happens is that we create and believe these self-limiting beliefs, and then our actions flow from them. So, when we believe that we don't deserve a lot of money, we don't seek, and are not open to, opportunities to create wealth. When we believe that we will never find love, we simply stop trying, and we may even reject what appears to be love because we can't believe it is possible for us. When we believe that beautiful women or handsome and good single men are not available or interested in us, we don't see them when they are right in front of us, and we don't believe they can be really attracted to us, even when they show us all the signs. When you don't believe that you deserve the best, ask yourself what you are willing to accept.</p><p>Judgments create mental barriers between the truth and us. When you believe that someone is ugly based on whatever criteria you use, you fail to see the beauty they also possess. When you judge someone as bad, you may have caught them in a rare moment, but will never know what value they can add to your life because of how you decided to now see them. Your judgment prevents you from seeing anything other than your judgment. In essence, you've made a decision about how you will see that person going forward. The phrase, "the first impression is a lasting one," testifies to the affect our judgments have on people. With little to no information about a person or situation, we quickly judge it and see it in that light for a very long time or even until our death. Even when all subsequent behavior and situations run counter to your judgment, you hold onto it as if it were the most valuable thing on earth.</p><p>Good intellectual health is clear of mental blocks and free of judgments. Instead of having self-limiting beliefs, you see that all is possible. Rather than judgments, you observe the truth about this moment. When you free yourself of self-limiting beliefs, you stop asking why something isn't possible for you and begin asking how you can bring what you desire to fruition. You no longer search for reasons why you can't have something, and instead search for how to make it possible.</p><p>Many millionaires failed at several different businesses before they found success. They knew they could do it. They just needed to find the right combination of planning, materials, and process to make it possible. Success was never in question. Finding a way to that success was what they focused on. Regardless of what it is you would like in your life, you must first believe that it is possible. By doing so, you release the creative genius that is trapped in your subconscious mind, and you allow your soul to provide some direction through intuition towards what you seek.</p><p>Next, you must believe that you deserve it. In truth, there is no such thing as deserving or not deserving something. That is something that we made up in society as a way of controlling the behaviors of others. If you do this, then you are deserving, but if you don't, or you do that, you are not deserving. Spiritual truth is significantly higher than societal truth, and the spiritual truth is that abundance is available for everyone. You need only realize that it is yours for the taking. To believe that you are not deserving is to create another self-limiting belief. It is only true if you believe it to be.</p><p>Lastly, remain observant to the opportunities that will come pouring into your life. They may have always been there, but you may not have been able to see them. Or, because of your change in thought, you are now attracting opportunity to you. Either way, look for the opportunities that can lead you where you want to go, and then pursue them with the confidence that you can do it.</p><p>Freedom from judgment is the other side of good intellectual health. When you observe the truth of the moment, you aren't making a declaration as to what someone or something is. Rather, you are stating what that person or situation is expressing now. So, when you see a guy slam a door in anger, you don't label him an angry person. Instead, you understand that right now, he is angry.</p><p>The judgment that he is an angry person will have you see him that way regardless of how pleasant he is. However, the observation that he is angry right now allows for him to not be angry in the next moment. Rather than putting a label on him to wear for all eternity, you are allowing yourself to see what else is to this individual. You can observe what he is expressing in every moment you are in his presence, which will give you much stronger indications as to the type of person he is. Just as no one knows everything there is to know about you, you cannot know everything there is to know about him. So by observing instead of judging, you are allowing for that which you do not know about him to become known.</p><p><b>Spiritual Health</b>
<br>Spiritual health is the understanding of who you really are. Good spiritual health allows you to see that you are a part of spiritual energy and that same energy of creation is a part of you. In essence you are it and it is you. Everything is of spiritual energy. Therefore, everything is connected through spiritual energy. When you understand this truth, you begin to see that you can understand other people by seeking internally to understand yourself. Rather than searching for God out there in the heavens somewhere, you know that you only need to look internally to see that the energy of God has been inside of you all along. You carry within you the answer to every question ever asked or that has yet to be asked. You are infinity extended in all directions. Everyone and everything is simply an individual expression of that oneness.</p><p>To see this oneness in all things will change how you interact with the world. You will see yourself inside of each and every person you encounter. You will see the world in multiple dimensions, and not just the one dimension (surface) that we rely on today. You will understand that energy is all there is, and that everything is energy. Rather than seeing the permanence of everything, you will see that everything is transitioning into something else. Everything is a process. Change is the only constant. When you meditate or pray for something to manifest in your life, that prayer is extended inwardly, and you know that it must be created, because you and the creative energy are one.</p><p>Poor spiritual health is seeing everything as separate and seeing who we are as the body we inhabit. Just in seeing that everything is separate, competition and indifference to the suffering of others is automatically born. You will not see yourself in other people because to you, who they are is separate and distinct from you. The mantra here is, "every man for himself." When someone is having a difficulty, you think, "better him than me." When you have a struggle, you ask, "why me." When you pray, it is more of a hope that this being you call God will choose to not victimize you anymore and bring you what you request. Friends are people that don't cause you pain and that bring you pleasure. Enemies are people you see as standing in the way of your happiness or ushering pain into your life. You see yourself as either victimizer or victim depending on the circumstances.</p><p>Good spiritual health dictates that you need no one's approval, because everything is an expression of the same source. Poor spiritual health produces good and bad, benevolent and evil, and right and wrong. Good spiritual health teaches that you are born to express the spiritual energy that lies at your center. Poor spiritual health teaches that you were born evil from day one, and that you must be delivered from that evil through organized religious rituals by those that are "appointed" to speak with God on your behalf. Good spiritual health will show you that every moment of your life is a spiritual expression. Poor spiritual health ensures that certain moments, locations, and clothing are sacred, while others are of the devil.</p><p>Good spiritual health says that everything is one. Poor spiritual health shows us a battle between God and Satan (or whatever the comparable gladiators are in your way of thinking), which will determine our fates. Good spiritual health says that heaven exists in every moment of life, and that we can experience it if we allow ourselves to. Poor spiritual health says that the God that loves you will send you to hell if you don't do what He says through your "free will" and will send you to heaven if you do. Good spiritual health promotes unconditional love at all times. Poor spiritual health promotes conditional love based on the good or evil that you do in life.</p><p>Of the four areas of health, spiritual health is the most powerful. It is up to you to see that by taking a spiritual approach to the various areas of your life, you can have health in all areas of your life. To see yourself as separate and distinct, to give your power to communicate with divinity away to someone else, and to live as both victim and victimizer is the life you live today, which is not working towards your bliss and internal peace. Good spiritual health is to live within heaven on earth, while poor spiritual health is to live a hellish existence on earth. Both are here and now, and both are within your choice to experience and express.</p><p>James LeGrand is an Author, Life Strategist, and the publisher of <a target="_new" href="http://www.spiritualindividual.com" rel="nofollow">http://www.SpiritualIndividual.com</a>, a free weekly newsletter that presents solutions to life's issues through the lens of self-help, wisdom, philosophy and spirituality. He is the author of an Amazon.com best seller in Religion and Spirituality titled <a target="_new" href="http://www.amazon.com/Evolve-Spiritually-Everyday-Everywhere-Every/dp/0595405541/ref=pd_bbs_sr_1?ie=UTF8&s=books&qid=1238782709&sr=8-1" rel="nofollow">Evolve!</a>, and an Expert Author with EzineArticles.com & SelfGrowth.com. James LeGrand is also a former Radio Personality, and a Sifu in Shaolin Kungfu, which has been known for centuries as a pathway to spiritual enlightenment.</p>
วันพฤหัสบดีที่ 23 กรกฎาคม พ.ศ. 2552
North Dakota Horse Racing Tips
<p class="articletext">There is a lot of buzz in the world of horse racing right now. That buzz is being generated about North Dakota Horse Racing. That's right, the land where Deadwood territory was once huge is now booming for a different reason. You're going to be thrilled at the amount of racing action that is happening in North Dakota right now. Whether you're a novice, an expert, or just a beginner to the world of horse racing, betting, or just simply love equestrian racing, you're going to be thrilled with all the great opportunities that are arising in the north of the United States. <br />
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North Dakota Horse Racing has a lot to offer in terms of racing and tourism. Whether or not you're familiar with the state, you're going to be glad to know that there is high stakes action and low cost admissions to one of the finest attractions in horse racing. Betting on races can bring you a long way, and you can travel through the circuit, but overall, the action is top notch and rivaled by very few in regards to how complete and generous the action is. <br />
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North Dakota Horse Racing has a lot to offer in terms of racing and tourism. Whether or not you're familiar with the state, you're going to be glad to know that there is high stakes action and low cost admissions to one of the finest attractions in horse racing. Betting on races can bring you a long way, and you can travel through the circuit, but overall, the action is top notch and rivaled by very few in regards to how complete and generous the action is. <br />
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If you're looking to spend a few dollars on vacation or live in the North Dakota region, maybe it is time to consider all the great things that are involved with a day at the tracks. North Dakota Horse Racing has been moving up in the ranks worldwide as a premiere destination for race fans. You can place your bets and come out on top, utilizing the top strategies and tips from around the globe. Before these modern times traveling to such destinations in hopes of glory and winnings was unheard of. However, with less expensive travel, and packages that include so many options, more and more race fans have been spotted enjoying the races with such great leisure. <br />
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Racing has really been taken out of the stereotypes of underclass and shady business owners. No longer is horse racing fixed and used as leverage in mafia outfits. We are talking about a sport that has transitioned into a world class spectator sport that provides race fans of all classes to enjoy the pageantry, beauty, and glory of horse racing. These horses are top notch and North Dakota Horse Racing has proven once again that they are front running the experience of horse racing at its finest. There are a lot of people trying to take the crown of best horse racing state and city, and it's heavy. There are people fighting over the chance to make their names heard in this genre of betting, but it seems to be a clear cut winning trend for North Dakota Horse Racing, which is dealing with thoroughbred action the likes you've probably never seen, so get yourself a piece of the action and enjoy high class living at a fraction of the cost. Don't give into other claims of glory and racing, go for the big races and enjoy all that there is to be had.</p>
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Ready to study <a target="_blank" href="http://www.HorseBettingWinner.com" rel="nofollow">North Dakota Horse Racing</a> and
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FHA Secure Program - Avoid Foreclosure
<p class="articletext">The FHA Secure program was introduced in late 2007 by the Federal Housing Administration and President Bush. Unlike most other FHA loan programs, this program is designed for homeowners who are at risk for foreclosure due to steeply increasing payments on adjustable-rate mortgages. The majority of people in the program have subprime loans, but homeowners with hybrid ARMs, option ARMs, and prime-rate ARMs may also qualify.<br />
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FHA Secure Eligibility<br />
Contrary to initial reports, you don't have to be delinquent on your mortgage in order to qualify. You also don't have to wait until your rate resets to apply for a loan under the program.<br />
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FHA Secure Eligibility<br />
Contrary to initial reports, you don't have to be delinquent on your mortgage in order to qualify. You also don't have to wait until your rate resets to apply for a loan under the program.<br />
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If you meet the following requirements and lending standards, you may be eligible to refinance through the program:<br />
<br /> * Original loan was not an FHA mortgage<br /> * Payments prior to the reset were current<br /> * No late payments in the six months prior to the reset<br /> * Adequate income to meet payments under a new mortgage<br /> * Debt-to-income ratio less than 43%<br /> * Minimum 3% equity in the home<br /> * Rate has reset or will reset by December 31, 2008<br /> * Remaining loan balance is lower than the local loan limit. FHA loan limits (FHA-loan-limits) are now regionally determined, so check to see whether your loan is within the range.<br />
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If you're delinquent on your mortgage, the default must be due to interest rate shock. If you're in default due to other factors, you may not qualify for the program.<br />
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How to Apply for the Program<br />
If you believe you're eligible, contact an FHA-approved lender. They can discuss your options and determine whether you're likely to qualify. You can also check your potential eligibility by completing a home loan request through Bills.com.<br />
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Additional Loan Factors<br />
In addition to the above qualifications, additional factors help determine whether your loan can be refinanced into an FHA Secure loan. These factors include a pre-payment penalty or a current home value that is lower than the loan balance.<br />
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If your current loan has a pre-payment penalty, you have three options:<br />
<br /> * Come up with the cash to pay it<br /> * Roll it into your new loan<br /> * Negotiate with the lender to forgive the penalty.<br />
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In order to roll the penalty into your new loan, the penalty plus the old loan balance and any closing costs being included in the new loan must not exceed 97% of your home's current market value.<br />
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Many homeowners who bought at the peak of the market find that their homes are now worth less than their loan balances. FHA loans do not automatically reduce your previous loan balance to an allowable level. If you owe more than the home is worth, you have three options:<br />
<br /> * Negotiate with the lender to accept a short pay-off<br /> * Apply for a small second loan to cover the difference between your new loan and the old loan<br /> * Pay the difference between loans in cash.<br />
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If the only other option is foreclosure, your lenders may be motivated to negotiate the pre-payment penalties or a short pay-off, but it's not required to.<br />
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Benefits of the Program<br />
The program offers numerous benefits. If you qualify, your original loan will be refinanced into a fixed-rate thirty-year mortgage. The interest rate is often lower than you'd receive with a conventional loan. In addition, the underwriting standards are more flexible than non-FHA loans. Finally, an FHA Secure loan can save you from foreclosure and allow you to stay in your home.<br />
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If you're at risk for foreclosure, you owe it to yourself to check out the program and determine whether you're likely to qualify. The first step is reviewing the FHA Secure Fact Sheet. For more articles on FHA Secure, visit: http://www.bills.com/fha-secure/</p>
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About the Author:
Justin has 5 years of experience as financial adviser; his key areas are consolidation, insurance, debt relief, mortgages etc. For more free articles and advice visit <a target="_blank" href="http://www.Bills.com." rel="nofollow">www.Bills.com.</a></p>
Data Entry From Home Scams That Are Not What They Claim To Be
<p>Most data entry from home jobs are nothing but a scam. They promise you easy money, but they don’t deliver what they promise. <p> As more and more people are looking for additional sources of income online, more opportunity is created for fraudsters to scam unsuspecting victims. One of the scams that have pervaded the internet involves data entry from home work opportunities. While not all ‘data entry from home’ opportunity are scams, they do provide a very easy to fraudsters to scam vulnerable people. <p> Data Entry From Home Job Offers <p> A data entry from home opportunity typically involves writing online ads for platforms like Google Adwords. They claim that thousands of companies worldwide are looking for people to write ads so that they can start advertising online. Since these companies are large multinationals, they are willing to pay top dollar to people who can write these ads for them. Moreover, you do not need to have any special skills to do this job, just an Internet connection. These jobs are sometimes also referred to as form-filling jobs, since the four lines ad format can be easily made to look like a form. <p> What They Promise <p> These data entry from home jobs literally promise you the skies. They claim that you will be able to earn thousands of dollars in no time. They claim that all you have to do is do some simple data entry from home in your spare time and the money will start flowing into your bank account. All you have to do is sign up with the website at a nominal cost and you could start earning money in minutes. If you take the opportunity, you are assured that you will never again have to take up a job, you will be able to spend quality time with your family, you will be able to travel the world with the time and money you have, etc. <p> What They Really Are <p> These data entry from home opportunities are more than just a scam to get your initial registration fee. They are nothing but a ruse to get you entangled with affiliate marketing. The companies they refer to as wanting expert ad writers are nothing but pyramid scheme MLMs. What they expect you to do is sign up with these companies, write your own ads and pay for your own ads. These ads are similar to the ones you fell for. If and when someone signs up through your ads, you get paid for it. So essentially, you are expected to put in your own time, effort and money in advertising this scam and you only get paid if you succeed in scamming someone else. <p> How To Avoid Them <p> There are two simple ways of identifying a scam. One is that it is simply too good to be true. Any opportunity that promises to make you pots of money for almost no effort on your part is likely to be a scam. The second giveaway is their demand for your money. Ask yourself, ‘would I have to pay money to do this work if it were offline?’ If the answer is no, there is no reason for you to pay money for the job which is online. <p> This is not the only scam related to <a href="http://www.goodinternetmoney.com/How_To_Find_Legitimate_Online_Data_Entry_Jobs.php" target="_self">Data Entry from Home</a> or <a href="http://www.goodinternetmoney.com/Make-Money-With-Data-Entry.php" target="_self">Data Entry at Home</a> jobs. To find out more, visit <a href="http://www.goodinternetmoney.com/Make-Money-With-Data-Entry.php" target="_self">http://www.goodinternetmoney.com/Make-Money-With-Data-Entry.php</a>. You can learn about legitimate data entry job here. <p> <p> <p></p>
Taking A Look At The Types Of Disability Benefits
<p>In the past, the only type of disability benefits one could get was through the church or other community-based charitable organization. Food pantries fed the hungry, ran donations for the homeless and contributed funds to individual families in need. <p> This all changed in 1935, when Franklin D. Roosevelt passed the Social Security Act as part of the "New Deal" to help minimize the devastation caused by the Great Depression. Later, this act was amended to include Medicaid and Medicare by Lyndon B. Johnson as part of his "Great Society" legislation in 1965. Today, there are multiple types of disability insurance policies in the United States. <p> One type of available disability benefits is covered by national social insurance programs. In the U.S., there are two types of federal assistance programs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). <p> According to the Social Security Administration, these large "safety net" benefits kept 40% of older American recipients out of abject poverty. SSDI benefits are for those people who have worked 5 out of the last 10 years, who earn less than $980/month and who are prohibited from earning any gainful income because of a physical or mental problem. SSI benefits are for people who can demonstrate extreme financial hardship (less than $674/month) and are 65+, or are blind or disabled. <p> Another type of disability benefits can be purchased as individual disability insurance. These plans are designed to replace 40-60% of one's income should disability strike. Some of the top companies offering private disability insurance include MetLife, Northwestern Mutual and Unum. <p> When evaluating policies, individuals should look at variables, like waiting periods, benefit pay-outs, cancellation policies and cost-of-living adjustment options. Some disability income insurance will even allow claimants to return back to work part-time or at a different position and still collect benefits, which can help supplement household income even more. <p> Just 40% of the millions who apply for social security benefits are approved each year, which underscores the need for employees to look into individual disability insurance or employer-based benefits. Even if a person is initially rejected for federal or state disability benefits, he or she is eligible to appeal the original decision up to four times. <p> In fact, most disability benefits are not awarded until a reconsideration process fails to prove fruitful and a court hearing with an administrative law judge is scheduled. Sometimes it can take over a year to win a disability insurance claim, so it's up to individuals to ensure all avenues of financial assistance are sought to keep their households afloat during the waiting process. <p> <p></p>
Natural Beauty Tips That Make a Difference
Beautiful" need not be glamorous as those days of dark and smudgy make-up have long gone by. As although glamorous may be stunning, natural can be radiant. There is an endless assortment of beauty enhancers available in the market today ranging from beauty products to beauty tips and regimen to costly cosmetic procedures in the extreme end. With the society imposing expectations on women to be beautiful, almost everybody in the female populace has the compulsion to be within the category of being attractive which consequently makes the beauty industry a lucrative one. Being beautiful need not be costly if one is sensible enough to do away with expensive, chemically concentrated and harsh beauty products.
<br>
<br>One of the best beauty tips to adhere to is to go with natural and herbal beauty products. Beauty tips that include natural and herbal ingredients offer the time-tested beauty secret that revitalizes what is within while protecting from the outside. This, by far, is one of the most basic beauty tips that has withstood the ages. Natural beauty tips can be obtained anywhere in the vast arena of the quest for beauty. It is essential that a woman be aware of the best beauty tips as looking and feeling beautiful is an apparent sign of health and happiness. In this age where being attractive spells confidence and success, it may be best to keep to proven and most effective beauty tips.
<br>
<br>Try some of these natural beauty tips. Cleansing the skin can be much more effective with buttermilk, cream or yogurt so there is no need to resort to those harshly perfumed and chemically concentrated creams and lotions. The suppleness and glow of the skin brought about by an after-bath application of almond oil may be unmatched by any commercial moisturizers. Helpful beauty tips such as the regular application of honey or yogurt can help make the skin soft and can gently bleach as well. Beauty tips such as a refreshing exfoliation with a home made mix of olive oil and sea salt or sugar can give the body a natural glow.
<br>
<br>Dry brushing the body with a natural bristle brush before a bath may be one of the beauty tips not to be missed as it helps to stimulate the glands. Beauty tips that can do wonders for the eyes simply have to do with a spoon! Merely keeping the spoon in the fridge and applying it on the eyes can vanish that tired, droopy look. Natural beauty products such as aloe vera, basil, marshmallow, chamomile, neem, lavender, oatmeal, sandalwood, tumeric, tea tree oil and witch hazel used as facial packs are often helpful in disposing dead skin cells and unclogging the pores of the impurities lodged in the skin.
<br>
<br>Natural is certainly beautiful as it is something which is innate and unartificial. Well-kept and natural may well define beauty and such basically wraps up the multitude of beauty tips that has been lodged into a woman's infinite guidelines for beauty. Even make-up nowadays is seen as more attractive when they seem like they are not put on. The secret of make-up in the current trend is to keep it natural and to merely enhance what is already possessed, not to smother or hide. Finally, and probably considered as the best of all beauty tips is to be happy – to do something that one enjoys whenever they can.
<br>
<br>Beauty, most of all, must be heartfelt. There is no need to be at a loss with the countless beauty tips out there as the bare essentials of nature can do the trick.
<br>
<br>About the Author: Dr. Rose Windale is a Health and Wellness Coach who has been successful with natural health programs for many years. Rose decided to share her knowledge and tips through her website <a href="http://www.healthzine.org" title="http://www.healthzine.org" target="_blank" rel="nofollow">http://www.healthzine.org</a>. You can sign up for her free newsletter.
<br>
<br>
<br>One of the best beauty tips to adhere to is to go with natural and herbal beauty products. Beauty tips that include natural and herbal ingredients offer the time-tested beauty secret that revitalizes what is within while protecting from the outside. This, by far, is one of the most basic beauty tips that has withstood the ages. Natural beauty tips can be obtained anywhere in the vast arena of the quest for beauty. It is essential that a woman be aware of the best beauty tips as looking and feeling beautiful is an apparent sign of health and happiness. In this age where being attractive spells confidence and success, it may be best to keep to proven and most effective beauty tips.
<br>
<br>Try some of these natural beauty tips. Cleansing the skin can be much more effective with buttermilk, cream or yogurt so there is no need to resort to those harshly perfumed and chemically concentrated creams and lotions. The suppleness and glow of the skin brought about by an after-bath application of almond oil may be unmatched by any commercial moisturizers. Helpful beauty tips such as the regular application of honey or yogurt can help make the skin soft and can gently bleach as well. Beauty tips such as a refreshing exfoliation with a home made mix of olive oil and sea salt or sugar can give the body a natural glow.
<br>
<br>Dry brushing the body with a natural bristle brush before a bath may be one of the beauty tips not to be missed as it helps to stimulate the glands. Beauty tips that can do wonders for the eyes simply have to do with a spoon! Merely keeping the spoon in the fridge and applying it on the eyes can vanish that tired, droopy look. Natural beauty products such as aloe vera, basil, marshmallow, chamomile, neem, lavender, oatmeal, sandalwood, tumeric, tea tree oil and witch hazel used as facial packs are often helpful in disposing dead skin cells and unclogging the pores of the impurities lodged in the skin.
<br>
<br>Natural is certainly beautiful as it is something which is innate and unartificial. Well-kept and natural may well define beauty and such basically wraps up the multitude of beauty tips that has been lodged into a woman's infinite guidelines for beauty. Even make-up nowadays is seen as more attractive when they seem like they are not put on. The secret of make-up in the current trend is to keep it natural and to merely enhance what is already possessed, not to smother or hide. Finally, and probably considered as the best of all beauty tips is to be happy – to do something that one enjoys whenever they can.
<br>
<br>Beauty, most of all, must be heartfelt. There is no need to be at a loss with the countless beauty tips out there as the bare essentials of nature can do the trick.
<br>
<br>About the Author: Dr. Rose Windale is a Health and Wellness Coach who has been successful with natural health programs for many years. Rose decided to share her knowledge and tips through her website <a href="http://www.healthzine.org" title="http://www.healthzine.org" target="_blank" rel="nofollow">http://www.healthzine.org</a>. You can sign up for her free newsletter.
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