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Penny Reece didn't want Elf on the Shelf to come out so early this year. To her amazement he came any way all over her car.
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Emma Lee Youngblood is an 8th grade student at Walters Middle School and was named 1st Runner up at the Miss America's National Teenager Preteen Pageant over Thanksgiving in Baltimore, MD. Emma competed in speech, fashion wear, interview, on-stage question, cocktail wear, and evening gown. Emma had the opportunity to serve at the Baltimore Community Thanksgiving that served approximately 5000 people, and interact with homeless veterans while in our Nations capitol. She shared her passion for special needs children and veterans and grew tremendously from this experience.
Official opening of the Christmas season with the arrival of Santa Clause happened on December 1, 2018 at the "Ugly Christmas Sweater" Walters Annual Christmas Parade. The weather was great for holding the parade this year.
There were amazing lighted floats idling down Broadway. 1st Place Float – Back Forty/EZGo Store #44 - $100 prize and 1928 Model A, Spencer Hot Rod winner of the Non-Float.
Most people have not even thought of starting their Christmas lists, but the Christmas Parade will be on December 1, 2018 at 6:00 pm with lineup at 5:00 at the Walters High School.
Theparadedoesnotinvolve gifts, however it involves a list of what businesses, individuals, churches, clubs and school organizations will be having float entries in the Christmas Parade.
The Chamber of Commerce would like to see more churches and civic groups participating this year. We do not need elaborate floats, we just want fun floats.
Paige Martin was selected to the 2018 All Region Fastpitch Team. The All Region team includes players from all B-2A schools in the Southwest part of Oklahoma.
Congratulations to the WMS Academic Team - District Champs! (Not in order): Karson Coleman, Kason Johnson, Clay Graham, Cassie Jensen, Sutherlin Tillery, Zanden Dyke, Brett Spence, Sam Morgan. Sponsor, Dossanna Miller
Caitlin Williams, an anchor for KSWO-TV in Lawton, was recognized with the Oklahoma Farm Bureau Journalist of the Year award Nov. 17 during the organization's 77th Annual Meeting in Norman, Oklahoma.
The award honors journalists for their contributions through reporting accurately and regularly about Farm Bureau news, agricultural issues and the importance of these to Oklahoma and the nation.
NOVEMBER19,2018-Santa will be eager to talk with young callers on Tuesday, December 4 (one night only) from 5:30 -7:30 p.m. (Central Standard Time). Pioneer Telephone will provide a direct line-free of charge-for Oklahoma kids' eager to call and speak to Santa tollfree at 1-866-92 SANTA or 1-866-927-2682. Due to the overwhelming response received each year, calls will be restricted to children residing in Oklahoma only.
In 2017, Pioneer transferred more than 2,000 calls to Santa during the two-hour event. Pioneer has provided this community service to youngsters for more than 49 years. The program would not be possible without the numerous employees of Pioneer volunteering their time, to ensure that as many callers as possible get an opportunity to talk with Santa.
Mr. Nease's Biology II classes participated in the Duncan Area Economic Youth Engineering Contest on November 12 in Duncan. All 34 students had to implement the physics they've learned in class to design their own CO2 powered car based on 50 specifications, make a blueprint to scale and then actually create the car out of balsam wood.
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Testosterone levels generally peak during adolescence and early adulthood. As you get older, your testosterone level gradually declines — typically about 1 percent a year after age 30 or 40. It is important to determine in older men if a low testosterone level is simply due to the decline of normal aging or if it is due to a disease (hypogonadism).
Rest and recovery is just as important as exercise, if not more so. Every time you do an intense workout, give yourself a minimum of 2 days to recuperate afterward, if not more. And don't mix exercise with sleep hacking. If you're exercising, get at least 8 hours of sleep every night. Your body uses it to rebuild, and you can throw your hormones out of whack if you don't rest up properly. Here's a more in-depth guide to Bulletproof weight training, complete with sample workouts.
Think of erectile dysfunction as your body's "check engine light." The blood vessels in the penis are smaller than other parts of the body, so underlying conditions like blocked arteries, heart disease, or high blood pressure usually show up as ED before something more serious like a heart attack or stroke. ED is your body's way of saying, "Something is wrong." And the list of things that cause erectile dysfunction can include:
There are positive correlations between positive orgasm experience in women and testosterone levels where relaxation was a key perception of the experience. There is no correlation between testosterone and men's perceptions of their orgasm experience, and also no correlation between higher testosterone levels and greater sexual assertiveness in either sex.[34]
A related issue is the potential use of testosterone as a coronary vasodilator and anti-anginal agent. Testosterone has been shown to act as a vasodilator of coronary arteries at physiological concentrations during angiography (Webb, McNeill et al 1999). Furthermore men given a testosterone injection prior to exercise testing showed improved performance, as assessed by ST changes compared to placebo (Rosano et al 1999; Webb, Adamson et al 1999). Administration of one to three months of testosterone treatment has also been shown to improve symptoms of angina and exercise test performance (Wu and Weng 1993; English et al 2000; Malkin, Pugh, Morris et al 2004). Longer term studies are underway. It is thought that testosterone improves angina due its vasodilatory action, which occurs independently of the androgen receptor, via blockade of L-type calcium channels at the cell membrane of the vascular smooth muscle in an action similar to the dihydropyridine calcium-channel blockers such as nifedipine (Hall et al 2006).
The effect excess testosterone has on the body depends on both age and sex. It is unlikely that adult men will develop a disorder in which they produce too much testosterone and it is often difficult to spot that an adult male has too much testosterone. More obviously, young children with too much testosterone may enter a false growth spurt and show signs of early puberty and young girls may experience abnormal changes to their genitalia. In both males and females, too much testosterone can lead to precocious puberty and result in infertility.
Unlike women, who experience a rapid drop in hormone levels at menopause, men experience a more gradual decrease of testosterone levels over time. The older the man, the more likely he is to experience below-normal testosterone levels. Men with testosterone levels below 300 ng/dL may experience some degree of low T symptoms. Your doctor can conduct a blood test and recommend treatment if needed. They can discuss the potential benefits and risks of testosterone medication, as well.
The changes in average serum testosterone levels with aging mean that the proportion of men fulfilling a biochemically defined diagnosis of hypogonadism increases with aging. Twenty percent of men aged over 60 have total testosterone levels below the normal range and the figure rises to 50% in those aged over 80. The figures concerning free testosterone are even higher as would be expected in view of the concurrent decrease in SHBG levels (Harman et al 2001).
5. Medline Plus. US National Library of Medicine. NIH National Institutes of Health. Drugs that may cause impotence (updated 21 Jan 2015). http://www.nlm.nih.gov/medlineplus/ency/article/004024.htm (accessed Nov 2016). myDr myDr provides comprehensive Australian health and medical information, images and tools covering symptoms, diseases, tests, medicines and treatments, and nutrition and fitness.Related ArticlesImpotence treatmentsIf you have impotence (erectile dysfunction), the treatment your doctor recommends will depend on thErectile dysfunction: visiting your doctorFind out what questions a doctor may ask when discussing erectile dysfunction (ED, or impotenceGum disease linked to erectile dysfunctionAdvanced gum disease (periodontitis) has been linked to an increased risk of erectile dysfunction, wPeyronie's diseasePeyronie's disease is condition where a band of scar tissue forms in the penis, causing aAdvertisement
Factors that mediate contraction in the penis include noradrenaline, endothelin-1, neuropeptide Y, prostanoids, angiotensin II, and others not yet identified. Factors that mediate relaxation include acetylcholine, nitric oxide (NO), vasoactive intestinal polypeptide, pituitary adenylyl cyclase–activating peptide, calcitonin gene–related peptide, adrenomedullin, adenosine triphosphate, and adenosine prostanoids.
Studies have demonstrated reduced testosterone levels in men with heart failure as well as other endocrine changes (Tappler and Katz 1979; Kontoleon et al 2003). Treatment of cardiac failure with chronic mechanical circulatory support normalizes many of these changes, including testosterone levels (Noirhomme et al 1999). More recently, two double-blind randomized controlled trials of testosterone treatment for men with low or low-normal serum testosterone levels and heart failure have shown improvements in exercise capacity and symptoms (Pugh et al 2004; Malkin et al 2006). The mechanism of these benefits is currently unclear, although a study of the acute effects of buccal testosterone given to men with chronic cardiac failure under invasive monitoring showed that testosterone increased cardiac index and reduced systemic vascular resistance (Pugh et al 2003). Testosterone may prove useful in the management of cardiac failure but further research is needed.
A common and important cause of ED is vasculogenic. Many men with ED have comorbid conditions such as hyperlipidemia, hypercholesterolemia, tobacco abuse, diabetes mellitus, or coronary artery disease (CAD). [6] The Princeton III Consensus recommends screening men who present with ED for cardiovascular risk factors; ED may be the earliest presentation of atherosclerosis and vascular disease. [7]
A physical cause can be identified in about 80% of cases.[1] These include cardiovascular disease, diabetes mellitus, neurological problems such as following prostatectomy, hypogonadism, and drug side effects. Psychological impotence is where erection or penetration fails due to thoughts or feelings; this is somewhat less frequent, in the order of about 10% of cases.[1] In psychological impotence, there is a strong response to placebo treatment.
Acupuncture may help treat psychological ED, though studies are limited and inconclusive. You'll likely need several appointments before you begin to notice any improvements. When choosing an acupuncturist, look for a certified practitioner who uses disposable needles and follows U.S. Food and Drug Administration guidelines for needle disposal and sterilization.
Hypogonadism is a disease in which the body is unable to produce normal amounts of testosterone due to a problem with the testicles or with the pituitary gland that controls the testicles. Testosterone replacement therapy can improve the signs and symptoms of low testosterone in these men. Doctors may prescribe testosterone as injections, pellets, patches or gels.
In the short term, alcohol relaxes muscles in the penis, letting blood to flow in (which is a good thing). However, alcohol also prevents other blood vessels from closing and trapping all the extra blood. Erections depend on trapping increased blood flow in the erectile tissue of the penis. If you don't trap that extra blood, you don't get an erection. In the long run, excessive alcohol consumption can cause liver scarring, high blood pressure, and can damage your blood vessels resulting in erectile dysfunction.
This inflatable penile prosthesis has 3 major components. The 2 cylinders are placed within the corpora cavernosa, a reservoir is placed beneath the rectus muscle, and the pump is placed in the scrotum. When the pump is squeezed, fluid from the reservoir is transferred into the 2 cylinders, producing a firm erection. The deflation mechanism is also located on the pump and differs by manufacturer.
Hacking your testosterone influences everything from body composition to energy levels to mood. It's easy to eat more butter; it's hard to visit a doctor and get tested, but that's what I recommend: know your levels. If you're 25, you'll know what your target is when you're 35. By the time you've noticed symptoms of low testosterone, it's too late to get your "normal" measurements!
There are treatments available to help you to get and maintain an erection. In addition, making healthy changes to your lifestyle could help with impotence. Switching to a healthier balanced diet, taking more exercise and cutting down on or giving up alcohol and cigarettes could help you to see an improvement in sexual function. If you think that the problem may be related to stress or anxiety, counselling can also help.
Intramuscular testosterone injections were first used around fifty years ago. Commercially available preparations contain testosterone esters in an oily vehicle. Esterification is designed to retard the release of testosterone from the depot site into the blood because the half life of unmodified testosterone would be very short. For many years intramuscular preparations were the most commonly used testosterone therapy and this is still the case in some centers. Pain can occur at injection sites, but the injections are generally well tolerated and free of major side effects. Until recently, the available intramuscular injections were designed for use at a frequency of between weekly and once every four weeks. These preparations are the cheapest mode of testosterone treatment available, but often cause supraphysiological testosterone levels in the days immediately following injection and/or low trough levels prior to the next injection during which time the symptoms of hypogonadism may return (Nieschlag et al 1976). More recently, a commercial preparation of testosterone undecanoate for intramuscular injection has become available. This has a much longer half life and produces testosterone levels in the physiological range throughout each treatment cycle (Schubert et al 2004). The usual dose frequency is once every three months. This is much more convenient for patients but does not allow prompt cessation of treatment if a contraindication to testosterone develops. The most common example of this would be prostate cancer and it has therefore been suggested that shorter acting testosterone preparations should preferably used for treating older patients (Nieschlag et al 2005). Similar considerations apply to the use of subcutaneous implants which take the form of cylindrical pellets injected under the skin of the abdominal wall and steadily release testosterone to provide physiological testosterone levels for up to six months. Problems also include pellet extrusion and infection (Handelsman et al 1997).
The mechanism of age related decreases in serum testosterone levels has also been the subject of investigation. Metabolic clearance declines with age but this effect is less pronounced than a reduction in testosterone production, so the overall effect is to reduce serum testosterone levels. Gonadotrophin levels rise during aging (Feldman et al 2002) and testicular secretory responses to recombinant human chorionic gonadotrophin (hCG) are reduced (Mulligan et al 1999, 2001). This implies that the reduced production may be caused by primary testicular failure but in fact these changes are not adequate to fully explain the fall in testosterone levels. There are changes in the lutenising hormone (LH) production which consist of decreased LH pulse frequency and amplitude, (Veldhuis et al 1992; Pincus et al 1997) although pituitary production of LH in response to pharmacological stimulation with exogenous GnRH analogues is preserved (Mulligan et al 1999). It therefore seems likely that there are changes in endogenous production of GnRH which underlie the changes in LH secretion and have a role in the age related decline in testosterone. Thus the decreases in testosterone levels with aging seem to reflect changes at all levels of the hypothalamic-pituitary-testicular axis. With advancing age there is also a reduction in androgen receptor concentration in some target tissues and this may contribute to the clinical syndrome of LOH (Ono et al 1988; Gallon et al 1989).
It is common for a healthy older man to still want sex and be able to have sex within appropriate limitations. Understanding what is normal in older age is important to avoid frustration and concern. Older men and their partners often value being able to continue sexual activity and there is no age where the man is 'too old' to think about getting help with his erection or other sexual problems.
The Cancer of the Prostate Strategic Urologic Research Endeavor (CaPSURE) study, designed to determine whether an individual man's sexual outcomes after most common treatments for early-stage prostate cancer could be accurately predicted on the basis of baseline characteristics and treatment plans, found that 2 years after treatment, 177 (35%) of 511 men who underwent prostatectomy reported the ability to attain functional erections suitable for intercourse. [45]
Testosterone replacement therapy is currently only FDA approved for men who have been diagnosed with hypogonadism, but it's also prescribed off-label for older men who take it in hopes that it will improve their libido. The use of testosterone therapy is increasingly common in the United States, with more than 2 million men receiving the therapy. Not every man benefits from taking testosterone supplements. Testosterone is available in different forms, including topicals such as gels, creams, and patches; injections; and pellets that are surgically placed directly beneath the skin. (7)
A physical cause can be identified in about 80% of cases.[1] These include cardiovascular disease, diabetes mellitus, neurological problems such as following prostatectomy, hypogonadism, and drug side effects. Psychological impotence is where erection or penetration fails due to thoughts or feelings; this is somewhat less frequent, in the order of about 10% of cases.[1] In psychological impotence, there is a strong response to placebo treatment.
A recent study compared total and bioavailable testosterone levels with inflammatory cytokines in men aged 65 and over. There was an inverse correlation with the pro-inflammatory soluble interleukin-6 receptor, but no association with interleukin-6 (IL-6), highly sensitive CRP (hsCRP), tumor necrosis factor-α (TNF-α) or interleukin-1β (IL-1β (Maggio et al 2006). Another trial found that young men with idiopathic hypogonadotrophic hypogonadism had higher levels of proinflammatory factors interleukin-2 (IL-2), interleukin-4 (IL-4), complement C3c and total immunoglobulin in comparison to controls (Yesilova et al 2000). Testosterone treatment in a group of hypogonadal men, mostly with known coronary artery disease, induced anti-inflammatory changes in the cytokine profile of reduced IL-1β and TNF-α and increased IL-10 (Malkin, Pugh, Jones et al 2004).
The symptoms of erectile dysfunction include difficulty achieving an erection, trouble maintaining an erection, and a reduced interest in sex. Because male sexual arousal is a fairly complex process, it can sometimes be difficult to identify a specific cause. Arousal starts in the brain but it also involves the nerves, muscles, and blood vessels and can be impacted by hormones and emotions. If a problem develops with any of these things, erectile dysfunction could be the consequence.
Men who produce more testosterone are more likely to engage in extramarital sex.[55] Testosterone levels do not rely on physical presence of a partner; testosterone levels of men engaging in same-city and long-distance relationships are similar.[54] Physical presence may be required for women who are in relationships for the testosterone–partner interaction, where same-city partnered women have lower testosterone levels than long-distance partnered women.[59]

subset: commoncrawl


text: Advances in Skin & Wound Care. 31(8):365–369, AUG 2018 DOI: 10.1097/01.ASW.0000531352.93490.24 , PMID: 29649067 Issn Print: 1527-7941 Publication Date: 2018/08/01 Print Outpatient Negative-Pressure Wound Therapy Following Surgical Debridement: Results and Complications Eran Tamir;Aharon Finestone;Itay Wiser;Yoram Anekstein;Gabriel Agar; + Author Information Eran Tamir, MD, is Senior Foot & Ankle Surgeon, Department of Orthopedics, Assaf HaRofeh Medical Center, Zerifin, Israel. Aharon S. Finestone, MD, is Orthopedic Surgeon, Assaf HaRofeh Medical Center, Zerifin, Israel. Itay Wiser, MD, is Lecturer, Department of Epidemiology, Sackler School of Medicine, Tel Aviv University, Israel. Yoram Anekstein, MD, is Head of the Spine Unit, Orthopedic Surgery Department, Assaf HaRofeh Medical Center, Zerifin, Israel. Gabriel Agar, MD, is Head of the Orthopedic Department, Assaf HaRofeh Medical Center, Zerifin, Israel. Checking for direct PDF access through Ovid Abstract OBJECTIVE:To present results and complications in a case series of outpatients with diabetic and neuropathic foot ulcers with exposed bone following surgical debridement treated with negative-pressure wound therapy (NPWT).METHODS:Retrospective data were obtained from digital medical records from the Maccabi Health Services High Risk Foot Clinic in Tel Aviv, Israel, between 2009 and 2014. Medical records examined were those of clinic outpatients with exposed bone following partial foot amputation or selective bone debridement (University of Texas grade III-A) treated with NPWT.MAIN OUTCOME MEASURES:Wound area, closure rate, and adverse events.MAIN RESULTS:There were 66 patients provided NPWT in a total of 77 treatment courses. Mean patient age was 62 ± 10 years, 82% were male, and mean diabetes mellitus duration was 14 ± 8 years. Mean HbA1C levels were 8.1% ± 1.7%. Mean treatment course duration was 16 days (range, 2–42 days). Wound area decreased significantly (from 11.3 ± 16.8 cm2 to 8.0 ± 13.3 cm2, P < .0001). Ulcer curing was noted in 7% of the cases, and healing progression was noted in 54%. Seven serious adverse events were recorded.CONCLUSIONS:Outpatient NPWT is a relatively safe and effective adjuvant to surgical debridement of neuropathic foot ulcers. In an outpatient setting, one can expect serious adverse events to occur in 10% of cases, but this seems unavoidable in patients with diabetic foot ulcers when taking into account their comorbidities and patient resources. Strict protocols to promote early recognition of complications and appropriate response to minimize deterioration must be implemented.


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All the fabulous details of Priyanka Chopra's wedding dresses
Jonas and Chopra aimed to throw a wedding that was very much representative of them.
Talking to People magazine, the newly weds revealed how they couldn't hold back the tears, as Priyanka confessed that marrying Nick was the best decision of her life.
The excitement got to its peak when the newly weds - Priyanka Chopra and Nick Jonas tied the knot in Jodhpur with two extravagant ceremonies - Christian nuptials followed by a Hindu ceremony, had shared some of their handsome moments from their big day. Who knew Nick Jonas was such a softie?
According to PageSix, PETA was upset that the couple's wedding featured "a white horse outfitted in red and gold, which the former Jonas Brother used to make his grand entrance". See their picture below.
The second photo is one from their Christian wedding ceremony and captures an intimate moment between the couple.
General Motors feels heat as president threatens subsidies
China now imposes a 40 percent tariff on USA automobiles, while the United States has a 27.5 percent tariff on Chinese vehicles. Kudlow, who met with Barra on Monday, said that Trump felt betrayed by GM, which the government had been trying to help.
Ralph Lauren, who designed one of her dresses, sent out a release with so many wonderful details it'll make your head spin. The pair made their first public appearance at the 2017 Met Gala where they hit the red carpet decked out in Ralph Lauren.
The couple officially kicked off the highly anticipated weekend with the traditional Mehendi ceremony, part of the pre-wedding rituals when the henna tattoos are applied on the bride. They are wearing Sabyasachi for the Hindu wedding ceremony. Chopra finished her look with a 75-foot veil.
For their Christian wedding, the couple wore custom-made Ralph Lauren outfits and their wedding parties also donned the same label. And though their feelings for one another were a secret at that time, the designer unknowingly played a helping hand in their blossoming romance. In June, the Indian star -who is a close friend of Meghan Markle - then introduced the American singer to her mum during a visit to her native India.
Placing her hand on her new hubby's chest, the 36-year-old giggled and scrunched up her face as she rested her head on his.
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Powell Comments Suggest Fewer Rate Hikes Next Year
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Priyanka Chopra marries Nick Jonas in three-day wedding spectacular in Rajasthan
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In hospitals and nursing care facilities across the country, patients are systematically denied access to...
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text: Fortnite Key Request You can be using two graphics cards over the flexibility of one which will make your computing device not solely not lag though will make the picture clearer then purified water. This game is the best amongst folks that involve gambling with cards. This is absolutely an incredible undertaking! The game relies on old mods that were created by Brendan "PlayerUnknown" Greene for other games employing the movie Battle Royale for suggestion, and improved right into a standalone sport beneath Greene's resourceful path. Xbox One and PS4 customers will all have the capability to battle against avid gamers on Pc and mobile - though not in opposition to one another. What gamers didn't predict, even though, were the events that befell almost immediately afterwards. Place a brick ceiling on your developing to maintain explosives from attaining the ATLAS.


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October 07, 2009
NRA endorses Scozzafava
The National Rifle Association endorsed Republican Dede Scozzafava in the New York special election today, giving her campaign a significant boost as she works to rally GOP voters to her side.
Scozzafava received an "A" rating from the NRA based on her voting record in the state Assembly and responses to an NRA questionnaire.
"During your tenure in the New York Assembly, you have been a strong and consistent supporter of the Second Amendment," NRA chairman Chris Cox wrote in an endorsement letter to Scozzafava.
"You are the only candidate in this special congressional election with a solid pro-gun legislative record."
An NRA endorsement carries significant weight in the rural, upstate New York district, where gun ownership is high. McHugh carried a strong gun rights voting record during his Congressional tenure and all three candidates have said they favor Second Amendment protections in the race.
Scozzafava's Conservative party opponent, Doug Hoffman, recently went up with an ad touting his NRA membership, but it ultimately didn't help him win the group's support.
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While we were getting ready to say good bye to 2009, the FCC approved what looks like a new Pantech messaging phone. The P9020 has yet to be announced, but it appears to have a touch screen plus a QWERTY keyboard, 3G HSDPA compatible with AT&T, a music player, Bluetooth, GPS, and more.
Not much else is known about it, and it'll likely have a much different name than the generic "P9020," but it certainly looks like AT&T is keeping its messaging phone trend alive this coming year.
(Via PhoneScoop)
Facebook wants to show it's a force for good amid scandals: At Facebook's Communities Summit, the social network unveils updates to tools for blood donations, nonprofits and mentorships.
Qualcomm-FTC lawsuit: Everything you need to know: The antitrust case could decide how smartphones get made in the future -- and what they cost.


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Starting the homebuying process can be overwhelming, even if you're just looking! There are so many intimidating terms that make the process seem complicated and downright scary. One of the most common questions we receive is, "How much money do I need to have to purchase a home?" While the answer to that question is different for every family, we're going to help you break it down into simple terms. *Pro-tip* You can learn all of this, and more, by signing up for our Homebuyer Education Course!
So, what is a down payment?
Purchasing a home is a significant investment. Fortunately, you don't have to pay the full cost of the house at the time you buy it. Instead, you make a down payment.
A down payment is a percentage of the home price that the buyer pays up front. The rest of the home value is financed through a loan called a mortgage. Your down payment will vary based on a number of factors, including the price of the home and the type of loan you use. Understanding how down payments work will help you make the choice that's best for your long-term success and security
What types of down payments are there?
High-percentage down payments
Paying more up front, i.e. a bigger down payment, has several advantages. The more you pay up front, the lower your monthly payments will be. And, more loan products are available to you.
However, bigger isn't always better. Sometimes the benefits of a bigger down payment take a while to pay off (no pun intended). The time needed to save for a large down payment delays your ability to start seriously looking for a home, which could cause you to lose out on the house you want.
Low-percentage down payments
Choosing a loan product that allows you to pay a substantially smaller down payment has its benefits as well. For example, paying less now doesn't deplete as much of your savings. This leaves you with wiggle room to handle any emergency expenses that might come up as a homeowner. A smaller down payment also allows you to buy your dream home sooner because you won't spend as long saving.
There are some downsides to smaller down payments. You usually have to buy private mortgage insurance or have a higher interest rate on your loan, which will both increase your monthly payment amount
Down payment assistance programs
No matter how much money you put down for your home, it's never an easy check to write! And, we know that even the lowest percentage down payment is an enormous payment for many families. That's why we help our clients access state and federal programs that aid in your ability to make a down payment faster. There are a number of down payment assistance programs that work for your family. Contact us to find out about these programs and to see if you qualify.
Helpful Hints
When deciding what type of down payment you need, don't forget to factor in other costs associated with home buying that could affect your budget! These could include moving costs, repair costs and closing costs. Closing costs are one-time fees paid during closing. Usually, closing costs range between 2 and 5 percent of your home's price. Closing costs can include things like application fees, closing fees and home inspection fees. Sometimes, you can negotiate who pays these costs.
To help with negotiations, it's always a good idea to work with a credible Realtor. These trained and certified professionals will assist you throughout the home buying process. A Realtor can save you time by finding available homes that fit your budget and parameters. They also provide you with expertise regarding price negotiation, repairs and ways to avoid common homebuying pitfalls. United Housing has a number of Realtor partners we recommend! Reach out to us for information.
Down payments vary depending on many factors, but ultimately, you need to choose the payment option that makes the most sense for you and your family. To learn more about your homebuying options and understand the process a little better, sign up for one of our homebuyers education classes!
December 2018 marked the most recent interest rate hike by The Federal Reserve. Homeowners are now left unsure as to how this rise in rates will affect their mortgages, while those looking to purchase a home might worry they can no longer afford it. But first, let's break down two of those figures - interest rates and mortgage rates.
So, what is the connection between the two? When the Federal Reserve adjusts interest rates, it can have an indirect impact on mortgage rates. For example, sometimes mortgage rates increase when short-term rates rise because the central bank's action can have a ripple effect on all other interest rates. However, while mortgage rates and interest rates are related, they do not always perfectly correlate. There are times when mortgage rates have fallen after the Federal Reserve raised rates.
Now that we've discussed the meaning and relationships of the two terms, let's cut to what's important – how does this affect you? If you have a fixed-rate mortgage, the changes will not affect you. But, borrowers with adjustable-rate mortgages (ARMs) and home equity lines of credit (HELOCs) might find themselves paying more interest on their mortgage loans because they are indexed to short-term rates.
Those looking to buy a home could also be affected by these changes. If they had been previously approved for a certain sized mortgage, they could see themselves become disqualified. Though, there could be one positive for potential buyers. While mortgage rates are high, fewer people are interested in purchasing a home which means sellers see no other choice than to lower their asking prices.
Regardless of how these changes affect you, don't panic. Mortgage rates are still historically low and there are always things you can do to ensure that you are a well-qualified buyer, regardless of mortgage rate fluctuation.
If you find yourself waking up this morning with a roof over your head and a bed in which to sleep, consider yourself fortunate! Home insecurity is a difficult reality for many members of our community, and a severe lack of affordable, decent housing is partly to blame.
There's no need to feel any guilt. We would love for everyone to wake up in their warm beds, especially during this winter season! But we do want you to recognize how fortunate you are while thinking about how you can help others overcome housing insecurity.
So, what can you do to help support the development of affordable housing in Memphis? First, you can share your knowledge with your friends and neighbors. If you know families who are renting and think homeownership may not be an option for them, let them know about United Housing. We can supply the knowledge that families need to actualize their dream of homeownership.
Next, be sure to vote! Many organizations like United Housing receive government support that makes our program possible. Without this support, we're limited in how much aide we can provide to families. Your candidates, especially local officials, might also take stances on development in your community and city. Consider candidate positions on housing and development when you head to the polls.
Finally, you can make an enormous impact by becoming a regular donor to United Housing. As a not-for-profit organization, we invest every penny beyond our operational costs into programs that support families striving toward homeownership, and we even build affordable homes for families to purchase! When you support United Housing with a one-time or recurring gift, you're investing in families, the education of children, the revitalization of neighborhoods and a reduction in crime, all of which are impacted when we have more homeowners in our community.
You guessed it – strong! Since the housing market crashed following the recession in 2008, things have slowly been inching onward and upward in Memphis. Earlier this year, several news outlets, including Forbes, reported that the local real estate market was booming. Sheldon Rosengarten of Memphis' Marx-Bensdorf Realtors told WMC-TV that he has never seen anything like the current Mid-South market in his 40 years of experience!
Quick facts courtesy of Zillow:
*Home values have gone up 6.5% over the past year.
According to Realtor.com, Memphis has been a seller's market for most of 2018 (but that can fluctuate, so check this link to see the current state of the market). This means those looking to purchase a home outnumber those who are selling their homes. Because demand is high and supply is low, this type of market is more advantageous for the sellers rather than buyers. Zillow reports that homes are only on the market for 62 days. And, with so many being on the hunt, buyers often get into bidding wars, which oftentimes results in homes being sold for far more than the asking price (and sometimes, more than they're actually worth).
Although it is a seller's market, there are still some positive takeaways for home buyers. For example, the median list price of homes still falls well below the national average, with Memphis' coming in at $109,900 and the national average at $275,000. And, to make matters even sweeter for those looking to buy, homes in the Bluff City typically sell for $10,300 less than the list price even with the current state of affairs.
Don't let a seller's market deter you! If you're interested in purchasing a home, United Housing is here to help. From homebuyer education classes and credit counseling to mortgage lending and down payment assistance, we can help make your dream of owning a home a reality.
Purchasing a home can be an exciting process. While you're visiting properties, weighing pros and cons and evaluating neighborhoods, you'll need to take a step back and carefully consider what home makes the most sense for you financially. Foreclosure is emotionally and financially devastating, but for the most part, it can be prevented with forethought and planning.
So, what is foreclosure? Simply put, foreclosure is a financial process where the lender reclaims a home from the borrower because of an inability to make payments. The immediate implication is the loss of your home and property, but the ripple effects – like a hit to your credit score, inability to purchase a home for five to seven years, and emotional distress – can be felt for years.
United Housing is committed to helping Memphians achieve homeownership. But beyond that, we want to help our neighbors remain in their homes and build wealth. Here's what you can do before you buy to help prevent foreclosure.
Attend a Homebuyer Education course
Fully understanding the cost of owning a home can help you better determine how much money you can afford to spend on a home, consequently preventing you from overextending yourself financially. Homebuyer Education courses, provided by organizations like United Housing, paint a holistic picture of the homebuying process and the costs associated with buying and maintaining a home. If you've already purchased a home, it's not too late! We can still help you through our Post-Purchase Homeowner Education classes.
Create a budget and stick to it
Once you know how much homeownership costs, you can build a budget to ensure you have the money needed to cover your mortgage payment. United Housing's HBE course helps you start the process, providing you with the tools you need to lay out your expenses and set your spending priorities.
Prioritize saving
Simply put – life happens. Even sound budgets can be shattered when economies change, babies are born or jobs are lost. Having a solid savings account will leave you time to reallocate your funds without missing payments on your mortgage.
What to do if you're facing foreclosure?
If your mortgage payments are mounting, seeking help early can keep you in your home. UHI offers foreclosure counseling where our team of caring, trained professionals can help you evaluate your options. You don't have to lose your home, and we can help you find a solution.
When preparing to purchase a home, many questions arise. Luckily, we're here to help! One of the most common topics we discuss with our clients seeking homeownership is credit scores. So, how does your credit score impact your ability to get a mortgage loan? Here's the scoop.
Your credit score, which is calculated based on the information in your credit report, is a key ingredient in determining two things when it comes to securing a mortgage loan. Not only does it determine whether or not you qualify for a mortgage loan, it also dictates the interest rate you will pay each month. Before we dive too deep, let's break down credit score ranges to give you an idea of where you stand.
Your credit score is calculated based on the information in your credit report, including your lending history, length of credit accounts and any incidence of collections, among other things. If you have a higher credit score, you may be eligible for lower interest rates and are more likely to be approved for your mortgage loan. The lowest credit score to purchase a home with a Federal Housing Administration (FHA) loan is 600, according to credit.com. FHA loans are great for first-time homebuyers and require a minimum down payment of 3.5 percent.
Now, just because a credit score of 600 will likely secure your home does not mean you should stop working toward improving your credit score. Part of our education program at United Housing is our credit counseling. Raising your credit score is extremely important as it can lighten financial burdens for years to come. So, how do you do it?
Pack your patience. Your credit score didn't plummet overnight and it won't skyrocket overnight either, but don't panic! Raising your credit score is definitely doable, and we are here to help. Here are a few tips.
For more information on how your credit score plays into purchasing a home or on United Housing's credit counseling services, give us a call at 901-272-1122.
Last month, we discussed the impact stable homeownership has on children's health and wellbeing. But, it's not just the physical health that's impacted – a child's social development and education are linked to his or her housing situation.
Consider this scenario – a grade-school aged child lives in low-income rental housing. Though his home has two parents who are invested in his well being, he is subjected to frequent moving as his parents struggle to find a renting situation that is safe and stable. Each move changes his school zoning, and puts him in a new classroom with a new teacher, sometimes in the middle of an academic year. Progress tracking is inconsistent, teachers can't identify challenges and he fails to meet educational milestones as a result. This scenario doesn't even begin to touch the implications of social development that occur when children are forced to frequently abandon and make new friends.
Statistically, children in under-resourced communities lag behind their peers in standardized tests. There are a few causes that shape this trend: residential instability, absenteeism and comparatively worse schools. Homeownership can have a positive impact in each of these areas.
Homeowners stay put. A study by National Association of Home Builders shows that the average homeowner lives in their house for 13 years. Coincidentally, that's the length of time a typical US child spends in the public school system. Residential stability allows students to progress through schools where teachers and administrators know them and are invested in their education. They also keep a similar group of peers, spurring strong social development during crucial formative years.
Health and homeownership are linked in children. If you haven't already, read our recent blog post on homeownership impact on health in children. Absenteeism can be greatly reduced if students are healthy and able to go to school.
Homeowners invest in their neighborhood, including schools. When it comes time to vote and pay taxes, homeowners contribute to the health and success of their local schools. Homeowners are twice as likely to vote, and electing local representatives who are dedicated to your schools can have a positive impact on school funding and opportunities.
Purchasing a home undoubtedly positively impacts the buyer, but what about the other family members living in the home? Fortunately, they reap the benefits, too! At United Housing, our mission is to make that improved well-being possible for the underserved families who may not realize homeownership is within reach. We strive to provide quality, affordable housing opportunities in an impoverished city that boasts more substandard rental units than owner-occupied homes, according to American Housing Survey.
Parents have a lot on their plates - kids, work, their own parents, bills and more. All these important things that they are responsible for can lead to quite a bit of worry. Owning a home offers a safe place to land amid the chaos of life and can serve as a solution to many of these issues. For example, did you know homeowners are known to experience higher levels of life satisfaction, self-esteem and perceived control over life? The positivity that stems from these areas is contagious and can create a happier, more stable environment for everyone involved.
The condition of the home matters as well. Because homeowners are economically invested in the property they inhabit, they are more likely to maintain their living space at a higher level. As a result, all family members living in the home experience a cleaner, higher-quality environment. Those in houses of poor quality are more likely to be exposed to harmful conditions and overcrowding, both of which can result in negative health effects. Realtor University's report highlights a significant correlation between poor housing and health problems, especially respiratory conditions such as asthma, injury and exposure to toxic substances like mold, which can cause a variety of respiratory issues. These effects are heightened in Memphis, where energy burdens are among the top five highest in the country.
The benefits don't stop there.
And, a recent study put out by Children's Health Watch noted that the medical expenses accumulated by children living in unstable housing contributed $8 billion in avoidable health care and education costs in 2016. That's a burden we all feel. Furthermore, over the next ten years, researchers project health and education costs to rise to $111 billion!
It's crucial for United Housing to let families living in renter-occupied dwellings know that homeownership may not be easy, but it is possible and there are organizations out there to help them make it happen through financial education and credit counseling. To put it simply, preparing Mid-South residents to become homebuyers is the heart of everything we do. Purchasing a home is not just a luxury - it's an important benefit to many aspects of life. The ripple effects of homeownership extend beyond the house, creating stable, healthy environments.
You learn a lot of things in grade school. The mitochondria is the powerhouse of the cell. A rhombus is a quadrilateral with four sides, two obtuse angles and two oblique angles. Simple enough! While we're able to recite a line of Shakespeare, many of us leave middle school, high school and even college without an idea of where to start the homebuying process.
What's even worse is that, without guidance, many people jump into the process uninformed. They overextend themselves financially, become a victim of predatory lending, choose a home that doesn't fit the long-term needs of their family, or settle on a home just because they feel like buying a home is the "right" thing to do.
So, how should you start the process? First, start with resources like those found on THDA's website. THDA provides you with information about down payment assistance, loan options and homebuyer education course information. By reviewing these materials, you could learn about available resources that make homeownership possible or more attainable for your family.
Once you've learned about your options, enroll in a homebuyer education course, like those offered by United Housing. In these classes, you'll learn about more than just the homebuying process. You'll learn how to budget for a mortgage while building up your savings, how to improve your credit score, why homeownership matters, how to maintain your home, and so much more. Plus, you'll learn from a well-educated teacher who can answer any of your questions (we know you have a ton!).
From there, you'll be ready to meet with reputable community lenders and shop for mortgages. Your HBE teacher may even connect you with a few trustworthy agencies. You'll need to review a few mortgages before deciding which lender is right for you, as the amount for which you are approved and interest rates will likely vary. This will give you a clear price range, which is essential before you start looking at homes.
Now, here comes the fun part! You've chosen a lender and have a clear budget, it's time to connect with a licensed realtor. Your HBE instructor will likely have a few recommendations. Talk with your real estate agent about what you need and want (there is a difference!) in a home, what neighborhoods you want to consider and set clear boundaries on your budget. Then, let the tours begin!
Hopefully, by the end of this process, you'll be able to look back on this from the comfort of your new living room! But, to get started, you need to connect with organizations like THDA and United Housing, who will provide you with in-depth information and guide you through the process. Connect with us through the links above today!
Memphis has recently received accolades such as Best Place in the World to Visit in May by CNN Travel and was ranked 23rd on Indeed's Best Cities for Job Seekers in 2018. These honors have allowed the Bluff City to gain attention on a national scale, which is a good thing. Right? It increases visibility, which increases tourism. Visitors fall in love with our great city, and more and more people are moving here. You get the point! But, there's a catch.
As a result, houses and apartment complexes are popping up all over Memphis to accommodate the influx of new residents to the city. And, homes in the city's core are selling almost as soon as they're put on the market. These homes, however, aren't always affordable. High-traffic areas, like Downtown, have list prices that are above the price range for your average Memphian. Memphis isn't the only city struggling with affordable housing. NPR reported that an estimated 11 million Americans pay more than half their income towards rent, and according to Zillow, more people are renting now than ever before.
A 2015 report conducted by the Tennessee Housing Development Agency found that the median income for Memphians is $36,445. This is 19.4 percent lower than the state average of $45,219. And, according to research from the University of Memphis, the Bluff City has a poverty rate of 26.9 percent. Using a lower budget to illustrate the reality of many Memphians' financial situations, if you were following a three-to-one income-to-rent ratio and made $1,500 a month, you would have an estimated $500 to spend on rent. That leaves only $1,000 to cover utilities, groceries, transportation, health care, and the list goes on and on -- clearly a tight budget for a single family.
According to Zillow, the median rent price in Memphis is $890 per month, lower than the Tennessee median of $1,275. Why are the prices lower? It's because Memphians make a median salary of $36,445 compared to the state of Tennessee as a whole, which makes $44,297. Lower salaries call for lower rent, but the median salary isn't even able to afford the median rent price!
The problem not only lies in the lack of affordable housing but in the failure to educate soon-to-be renters and buyers about options for financial assistance. More often than not, people believe that owning a home is impossible in their current position. United Housing's education programs exist to help Mid-Southerners better understand homeownership, mortgage loans, the risks of predatory lending, foreclosure procedures and more. For complete details on the classes United Housing offers, click here.
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When keep consuming unhealthy food our body collect toxins that can't go our easily. Detox teas contain specific blends of natural ingredients which flush these toxins and chemicals we are consuming out of our vital organs. Those herbs are extremely effective for reducing cholesterol, body fat, improve digestive system and help our body losing weight.
Because… Juice fasts and restrictive diets can make you lose muscle because such plans are low in protein—the key nutrient for muscle building and maintenance. Because muscle is calorie-burning tissue, you can end up with a slower metabolism, or calorie-burning capacity, meaning you'll be more prone to weight gain than you were before. On top of that, you'll likely feel hungry and tired without sufficient protein to help stabilize your blood sugar and tame your appetite. No wonder extreme diets almost always fail in the long term.
For an ideal lemon water detox program, no weight-loss elixir can compare to this zesty potion. It is also remarkably simple to prepare. All it takes to bring this recipe to fruition is a 12-ounce glass of water, half a ginger root knob and a freshly squeezed lemon. The citrus promotes happy digestion, especially first thing in the morning. The ginger is also uniquely beneficial. With abundant quantities of special compounds known as shogaols, this bold additive quells nausea while guaranteeing intestinal wellness. Fresh ginger is also rich with gingerol, which is a magical detoxifying agent.
This cucumber detox water is an ideal starting point for all dieters. The diuretic properties guarantee that all moisture will be rapidly flushed from the system. Tart grapefruit delivers a revitalizing rush of flavor, and the fruit is packed with fat-burning enzymes. All of the citrus contained within this refreshing beverage is designed to heal the internal digestive tract. Mint leaves briskly finalize the drinks ability to easy any tummys woes while losing weight fast. This tasty brew only takes ten minutes to prepare, and it yields 8 potently cleansing servings. All ingredients are simply combined 2 hours before consumption.
Just like the original fasting practices, intermittent fasting also has periods of abstinence, where dieters shun high-calorie foods or even all food. Intermittent fasting is said to be a middle ground between prolonged very low calorie diets, which are said to be harmful in the long run, as well as unrestricted eating and unhealthy diets. The diet prevents any long term physiological changes in the body by alternating between calorie restriction and periods of normal eating patterns.
Thanks as a nurse this has been wonderfully informative and easy to understand. There is so much MISSinformation out there, from the web to YouTube and Twitter. It's all different, so they can't all be right. After careful research I have decided to use perfectketo as my definitive information source. Thanks so much! And if I am able to get healthier and loose this extra person that is attached to the real me, you will soon have a bunch more subscribers! Good news travels fast!!
Other intermittent fasting diets take a different approach. The 5:2 method, for example, requires you to eat as you normally would for five days a week, but on two nonconsecutive days, you eat just one meal a day. Wright says she spent five months conditioning her body to the 16:8 method. At that point, she says, she switched to the 20:4 method. According to this method, you fast for 20 hours and have a 4-hour eating window.
Another weight-loss tea bursting with ECGC? Green tea. The combo of caffeine and ECGC found in the tea has been found to help you lose weight and keep it off, per a meta-analysis on 11 studies in the International Journal of Obesity. It does have less caffeine than black tea, making it easier to sip any time of day without having an effect on your sleep later that night. (Check out these other astounding benefits of green tea.)
A popular homemade cleanse combines lemon juice, cayenne pepper and maple sugar. The maple sugar provides carbohydrates and helps make the concoction palatable. Cayenne pepper could help reduce hunger and help burn fat, although the evidence for this is preliminary, according to the University of Maryland Medical Center. Cleanse proponents recommend consuming the ingredients in purified water. Consuming psyllium husk, a natural plant fiber, provides bulk as part of a homemade cleanse. Ingesting psyllium and dietary fiber helps you feel full and may assist weight loss, says the University of Maryland Medical Center.
I first learned about the weight-loss power of tea when my mother fell victim to diabetes. A former nurse back in Korea, she urged me to look into Eastern remedies when it became clear that Western science couldn't help her. And time and again, as I pored through the studies, the same answer kept popping up: tea. What I learned in my research, and collected in my new book, The 7-Day Flat Belly Tea Cleanse, in which test panelists lost up to 10 pounds in just one week, was that certain teas not only melt fat by boosting metabolism, but can actually prevent our bodies from forming new fat cells.
But you can actually trim your waistline, improve your biomarkers of health, and increase your longevity without the pain, suffering, and hunger that comes along with restriction. Fasting works, too, but since it's difficult for Big Food to profit from people going without their food, most of the benefits of skipping meals don't make it into common wisdom.
Intermittent fasting — the most popular form of fasting today — consists of eating within a specific window of time in the day, and not eating for the remaining hours of the day. For example, one popular version of intermittent fasting is the 16/8 method. This entails a nonfasting window of eight hours (such as 11am to 7pm) followed by a fasting period.
This detox tea stands out because not only does it promote healthy digestion and helps the body eliminate harmful toxins, but it also stimulates the body's ability to process excess fats. Complete with antioxidants, vitamins, and minerals, it contains all natural ingredients without the laxative Senna, so it's easy insensitive stomachs. Expect bloating to be reduced, energy boosted, and plus it tastes great.
The changes in body weight distribution in the study participants were exactly determined using special MRT imaging executed by Johanna Nattenmüller at Heidelberg University Hospital. The good news is: a small dieting success is already a big gain for health. Those who reduce their body weight by only five percent, lose about 20 percent of dangerous visceral fat and more than a third of fat in the liver—no matter which dietary method they have used.
This one is a proactive wonder! The watermelon core assists the fundamental roles of both the liver and kidneys. This allows them to dispel critical poisons like ammonia. In a similar fashion, the lemons and limes play a formidable role in encouraging healthy intestinal bile interactions. Cucumbers bring nourishment to a new level, and their nutrients are excellent for procuring an aesthetic frame and complexion. Guys will definitely start to notice when a lady switches to this quenching recipe. By providing energy to a woman's inner core, this drink truly activates alchemy in action. Just one cup a day equals massive sex appeal.
A mere five years ago, skipping meals was a top diet taboo. Now it's the core of an increasingly popular (and increasingly research-backed) weight-loss approach. Intermittent fasting—periodically eating very little—is not only not bad for you, it may lower blood glucose levels and insulin resistance and reduce inflammation and cardiovascular risk. Why? How? Theories abound, but some experts believe fasting puts your cells under mild stress, just as exercise taxes your muscles and heart, ultimately strengthening them and making them more resistant to disease.
Parsley has many, many health benefits, including reducing effects of diarrhoea, improving digestion, regulating the menstrual cycle and increasing the rate of urination, which means that more matter is expelled from the body, including more calories and thus reducing weight loss. The diuretic aspect of parsley juice also means that it detoxifies the body faster than other drinks, and acts as an appetite suppressant making you feel fuller than you are.
Increasing your heart rate will mean an increase in blood flow. This, in turn, will help your body to flush out toxins all on its own. You don't even need to hit a gym to get your sweat sesh in, here's a quickie workout I do just about anywhere. The takeaway here is to rev your heart rate, break a sweat, and get in a better mindset to kick it up a notch again tomorrow.
Sometimes, taking charge feels good. Reunions come along from time to time. So do beach getaways, job interviews, big dates, and other "holy cow, I'd better get it in gear" moments. Taking control of our fitness and health at important junctures in life gives us a sense of accomplishment. You'll be able to revisit this cleanse whenever a big event looms. Turbocharged results are within your grasp. What I love about this cleanse is that it doesn't require truly dramatic sacrifice. The only serious change you'll need to make, besides giving up mindless snacking, is in your morning routine.
Even if you're happy with your current weight, or finding success with your current diet plan, it can make sense to do a cleanse from time to time. Here's why: Fast results help lead to long-term weight loss. Slow and steady is the best way to reach any personal goal, but sometimes the slow undermines the steady. A review of studies published in The New England Journal of Medicine found that those who realized rapid results were more likely to stick to their weight-loss program over time than those who saw results come more slowly. This 7-day cleanse can improve your chances of long-term adherence to a healthy weight-loss plan.
A book came out recently called "How Not To Die," by Dr. Michael Greger. Nice title. It is by a doctor who has been lecturing for years about improving peoples diet. He is pro plant based diet. That is all good but he puts people that promote saturated fat intake as "flat earth society" members and the only difference is that the people that believed in a flat earth didn't hurt anybody, but the people that say fat is good for you are going to give people heart attacks. What say you oh wise and knowledgeable one?
What if I told you that you could transform your body and radically improve your health with the push of a button—and it's would be easier more delicious than you ever imagined? That's the promise of Clean Green Drinks, the exciting recipe collection of 100+ delicious cleansing recipes from health journalist, chef and TV host Candice Kumai. Here's a peek at Candice's book, and three of the best smoothies and juices for your belly.
Individuals use intermittent fasting to lose weight fast. In studies done by the NIH, there was reported weight loss with over 84% of participants — no matter which method of fasting they chose (alternate day fasting, the 8/16 method, or another approach)[*]. Science has shown intermittent fasting to be an efficient weight loss tool, sometimes more than simply cutting calories. In one study, intermittent fasting was shown to be as effective as continuous calorie restriction in fighting obesity[*].
Drinking detox teas can help you lose weight quickly. These teas are made by mixing the right amounts of herbs, flowers, roots, and stems with traditional teas like green tea, Pu Erh, etc. The phytonutrients in these teas flush out toxins and boost the health of the liver and the digestive system, thereby triggering weight loss. Also, detox tea drinkers sleep better, look younger, and have better immunity. This article lists the 10 best detox teas for weight loss with the ingredients, taste, cost, user review, and where to buy. So, how does a "teatox" work? Find out below.
Oi Ocha means "Tea, please!" in Japanese. And to that we say, "Yes! Thank you!"A bottle of this calorie-free, sugar-free green tea provides slightly less caffeine than a tall cup of coffee and some impressive detox benefits, especially when consumed pre-workout. In a recent study, participants who combined a daily habit of 4-5 cups of green tea each day with a 25-minute sweat session lost two more pounds than the non tea-drinking exercisers. What makes green tea so waist friendly are compounds called catechins, belly-fat crusaders that blast adipose tissue by revving the metabolism, increasing the release of fat from fat cells (particularly in the belly), and then speeding up the liver's fat burning capacity.
Fung, a nephrologist who authored the books The Obesity Code and The Complete Guide to Fasting, is one of the most vocal advocates of intermittent fasting, having seen its effects in his type 2 diabetes patients. But there is a big difference between starvation and fasting, he notes. "Fasting is voluntary and controlled," whereas starving is not, he says. "It's the difference between running for fun and running because a lion is chasing after you."
(On her fasting methodology, patients are allowed to eat one 500-calorie meal a day. If exercise is worked into the equation, Varady recommended saving the meal for a post-workout refuelling. The ideal meal is two chicken breasts — about 50 to 70 grams of protein — on a bed of salad and vegetables because it's rich in protein, fibre and nutrients, she advised.)
Consult your physician and follow all safety instructions before beginning any exercise program or using any supplement or meal replacement product, especially if you have any unique medical conditions or needs. The contents on our website are for informational purposes only, and are not intended to diagnose any medical condition, replace the advice of a healthcare professional, or provide any medical advice, diagnosis, or treatment.
Other intermittent fasting diets take a different approach. The 5:2 method, for example, requires you to eat as you normally would for five days a week, but on two nonconsecutive days, you eat just one meal a day. Wright says she spent five months conditioning her body to the 16:8 method. At that point, she says, she switched to the 20:4 method. According to this method, you fast for 20 hours and have a 4-hour eating window.
Unlike many bottled drinks that are heated during pasteurization and sometimes hide both synthetic and genetically modified ingredients (as well as a ton of added sugar!), fresh juices are totally raw and you control what goes in them. It's believed that consuming raw produce boosts digestion by preserving vital enzymes, which means you can beat the bloat and sip your way to more regular bowel movements for a flat, happy tummy!
The pressure, the puffy stomach, the self-consciousness—this tea can help you ditch all of it. According to numerous studies, flavonoids and other compounds found in the hibiscus plant help to counteract bloating by influencing how aldosterone, the hormone that regulates water and electrolytes balance, affects the body. Enjoy a cup of hibiscus tea and watch your pooch slowly–but surely–deflate. And here are 8 Foods That Beat the Bloat!
The SHRED Power Cleanse If you have two weeks to commit, this program by Dr. Ian a great one to consider. Why? Because it's filled with whole, nutritious, fiber-rich foods, a common sense approach to eating and an exercise program that is based on smart science. It is not designed to be a weight loss program, but you're likely to lose weight while you're on it. And during the program, you learn healthy lifestyle habits (like planning ahead and journaling) that you can use for long-term weight loss and weight maintenance.


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Ford Aspire Colours
Oxford White
Ruby Red
Smoke Grey
Absolute Black
Deep Impact Blue
Moondust Silver
White Gold
Latest On Ford Aspire
Ford has launched the much-awaited facelift of its Aspire compact sedan
at an introductory starting price of Rs 5.55 lakh. This price is about Rs 17,000 less than the outgoing model. The diesel 1.5-litre now starts from Rs 6.45 lakh, taking a price cut of nearly Rs 40,000.
With an updated grille, a redesigned bumper and larger 15-inch alloys, Ford has tried to equip the Aspire to take on stiff competition from the likes of the Dzire and the new Amaze.
On the inside, the biggest addition is a new 6.5-inch touchscreen infotainment display borrowed from the Ford Freestyle, the system gets Ford's SYNC3 interface which adds Android Auto and Apple CarPlay smartphone connectivity, including Google Maps navigation as well.
The car is available in a total of 5 trims now along with a 1.5-litre petrol automatic powertrain as well.
Ford Aspire Price
Ford Aspire prices start at Rs. 5.55 lakh for petrol and goes upto Rs. 8.70 lakh. The prices of Aspire diesel variants start at Rs. 6.56 lakh and the top-end diesel is priced at Rs. 8.25 lakh. Ford Aspire is available in 13 variants and 7 colours.
- Petrol (6 Variants)
- Diesel (5 Variants)
- CNG (2 Variants)
Aspire Variants Price List
|Key Features
Aspire Ambiente
1194 cc | Petrol | Manual
|View February Offers
Aspire Trend
1194 cc | Petrol | Manual
|View February Offers
Aspire Ambiente CNG
1194 cc | CNG | Manual
|View February Offers
Recent News On Ford Aspire
Ford Aspire Mileage
The claimed ARAI mileage for the Ford Aspire petrol is 20 kmpl, and for the Ford Aspire diesel is 26 kmpl.
Editor's View of Ford Aspire
Value for money, safety package, fun-to-drive
Average cabin space, plastic quality, no mid-spec AT
Our Verdict
In the sub-4 metre sedan space, the Aspire is among our favourites. If the slightly cramped cabin doesn't bother you and you'd rather have additional airbags over daytime running lamps, this is the one to get!
Top Competitors of Aspire
Maruti Baleno
Rs. 5.46 lakh
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Rs. 5.86 lakh
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Maruti Dzire
Rs. 5.69 lakh
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Ford Freestyle
Rs. 5.43 lakh
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Tata Tigor
Rs. 5.42 lakh
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Maruti Swift
Rs. 4.99 lakh
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Hyundai Elite i20
Rs. 5.50 lakh
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Tata Nexon
Rs. 6.36 lakh
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Aspire Questions and Answers
Q. What are the features, mileage and weight of this vehicle?
Q. How is Ford Aspire, is it good to buy? What resale value can be expected for petrol or diesel variants?
Q. Which is best to buy, Swift petrol or Ford Aspire Trend Plus?
Ask a question from Aspire owners140+ Aspire Owners and Experts to help you
Ford Aspire Expert Reviews
Ford Aspire VideosAll Aspire Videos
Ford Aspire Highlights
With the facelift, Ford has managed to iron out a lot of wrinkles in the Aspire's package. It packs in not one, but two new petrol engines and two new gearboxes too. It continues to offer the stellar safety package but misses out on a bit of bling and falters a bit in the space and quality department. Priced aggressively, we think the Aspire is a phenomenal value-for-money package. It's amongst the few cars that can pretty much do it all.
Exterior and Interior
As far as facelifts go, the treatment dished out to the Aspire isn't extensive per se. It gets new front and rear bumpers, a new grille and a set of bigger 15-inch alloy wheels. While we like the pattern on the gunmetal-finished grille, we really think the Aspire could've done with a snazzier set of wheels. The bigger and wider tyres are also welcome, but they sadly aren't standard across the range. Also, the Aspire misses out on a bit of bling — projector headlamps, daytime running lamps are missing from the package.
Inside the cabin, there are two changes you'd pick on. For starters, there's a touchscreen on the dash. That dated music system has been thankfully chucked in the bin. Second, you don't get leather upholstery anymore. Also, small issues prevalent in the pre-facelift version continue to plague the Aspire. For example, the co-driver's seat brushes against the centre console, there are no bottle holders in the rear doors and the central armrest doesn't have cup holders either. In terms of space, there's enough for a six-footer to sit behind his/her own driving position. But, headroom isn't all that great, especially in the rear bench. In terms of features, you get a 6.5-inch touchscreen (lower variants get an 7-inch unit), automatic climate control, automatic headlamps and wipers, steering-mounted audio control and a bigger, updated multi-info display (MID). The top-spec Aspire is the only car in its class to offer side and curtain airbags, which bumps up the safety quotient. All other variants feature dual airbags. Anti-lock brakes with EBD and seatbelt reminders (for both front occupants) is offered as standard as well. Notably, the automatic also features ESP and hill hold.
Ford has ditched the old 1.2- and 1.5-litre petrol engines for a new pair. These engines too displace 1.2- and 1.5-litres, but they're three-cylinder engines unlike the old four-cylinder units. But, we're glad about this switch. Especially with the 1.2, because it has transformed the petrol Aspire into what's an equally desirable package as the punchy 1.5-litre diesel. With 96PS of power and 120Nm of torque on tap, it ranks high in top trumps too. But the new gearbox ratios are tall and tend to sap some of the drive that we appreciated in the Freestyle. In our tests, the Aspire petrol-MT took 12.01 seconds to reach 100kmph, that's on par with rivals such as the Maruti Dzire and the Honda Amaze. As far as efficiency goes, it returned 15.92kmpl inside the city and 19.52kmpl on the highway. The 1.5-litre petrol is borrowed from the EcoSport and makes a mouthwatering 123PS and 150Nm of torque. Instead of a dual-clutch automatic, it now gets a 6-speed torque converter setup. The 1.5-litre diesel soldiers on with 100PS of power and 215Nm of torque. But it gets a newer gearbox that's far better than the old one. This engine is also super fuel efficient, and we'd recommend it over the petrol if highway usage is extensive.
If you've narrowed down on the Aspire, you get to pick between five variants - Ambiente, Trend, Trend+, Titanium and Titanium+. While the 1.2-litre petrol and 1.5-litre diesel engine is available in every variant, the 1.5-litre petrol paired with the automatic is available in the Titanium variant only.
The base-spec variant packs in the basics, including front power windows and manual air-conditioning. But pretty much everything else is missing. So, it's a skip from our side on this one. And, we'd say the same thing about the Trend variant too, because additions like the music system, rear power windows and remote keyless entry don't wholly justify the price bump.
In our opinion, you should get the Trend+ variant if you're on a strict budget. Because, for about 50k over the Trend, you get a whole lot more: a 7-inch touchscreen, reverse parking camera, front fog lamps, automatic climate control, steering-mounted audio controls and powered ORVMs. All this variant needs are some good looking 15-inch alloy wheels from the aftermarket!
Next up, is the Titanium variant: that's your only choice if you want an automatic. The feature additions aren't all that great for the added cost - you get 15-inch alloy wheels, push-button start and some chrome peppered on the grille and the handbrake lever tip. Finally, there's the Titanium+ that adds the side and curtain airbags, a 6.5-inch touchscreen with Android Auto and Apple Carplay and the finer details like auto-dimming IRVM, auto headlamps and rain-sensing wipers.
Maruti Suzuki Dzire : The Maruti Dzire sits at the top of the compact sedan segment quite comfortably. The new generation has improved by leaps and bounds, and is among your best bets if you're looking for a compact sedan.
Hyundai Xcent : Based on the Grand i10 hatchback, this compact sedan combines space and practicality of a larger car with the reliability and low cost of ownership associated with the brand. The Xcent is not as spacious as the competition but has one of the better-built interiors. The Xcent does not get a diesel automatic variant, unlike the Ameo or the Dzire.
Honda Amaze: Honda's second-generation Amaze brings a lot to the table. Plenty of features, a spacious cabin, a refined petrol engine and a fun diesel too. The CVT stands out in a sea of jerky AMTs. Add the allure of the Honda badge, and you've got a product that appeals to the head and the heart!
Volkswagen Ameo: The middle-child in Volkswagen's lineup is exactly what you think it is. It's a Polo with a boot. Pick it only if you need a diesel automatic or a bigger boot. For everything else, the Polo works just fine.
Tata Tigor: The Tigor looks like a good overall package with decent equipment and frugal engines - though these are best used in the city. The JTP variant, on the other hand, caters to the budget-conscious enthusiast who would have had a hole burnt in their pockets earlier.
With the recent update, Ford has plugged all the gaps in the Aspire's arsenal. The new petrol engine is almost as fun to drive as the diesel. It's amongst the most value-for-money compact sedans on the market today!
Ford Aspire Service Cost
Ford Aspire Offers
OfferAspire Titanium Plus Diesel offersOffer By : CompanyValidity : 05 Feb-28 Feb
OfferAspire Ambiente offersOffer By : CompanyValidity : 05 Feb-28 Feb
Ford Aspire News
Showcased at the Sao Paulo Motor Show 2018, the crossover sedan gets rugged cosmetic bits and raised suspensionNovember 9, 2018 By Team ZigWheels
Mahindra to supply BSVI-compliant engines to Ford; to work on connected car solutions as wellOctober 17, 2018 By Team ZigWheels
Ford Aspire User Reviews
Features & Styling4.5
Maintenance Cost4.1
Test ride will give you the answer of all your questions.Uses this car for : Family Car
Gets mileage of : 23 kmpl
Titanium sports petrol. Comfortable but low mileage.Uses this car for : Family Car
Gets mileage of : 12 kmpl
Well there is a small power lag especially when a/c is on but power output is good as overall compared to my swiftUses this car for : Family Car
Gets mileage of : 15 kmpl
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- Explore
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a quick personal reminder that the Mad Science contest closes next Wednesday (midnight, 23:59 New York time). So whatever you decided to do this weekend - you'd better cancel it and finish your entry
As always, you can read contest updates here, and if you have any last minute questions feel free to email me at bart@ this website.
Good luck!!
In my district there was an accident, and the whole day there was no electricity 0__0
Metaball modelling.
Retopo and sculpt.
Feels bad man by engine9 on Sketchfab


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A HOMAGE to Jimi Hendrix, Eric Clapton and Cream will be paid at Medina Theatre.
Voodoo Room is a new touring production featuring top guitarists.
Packed with a high energy, this powerhouse performance will transport you back in time to the original concerts, delivering the true spirit of the legendary superstars.
A Voodoo Room spokesperson said: "There are no wigs, no pantomime, just great music played by great musicians."
The show takes place on Saturday, March 2.
Tickets are available from the Medina Theatre Box Office on 823884.


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West Reading Dumpster Rental
Waste Removal for Less
Are you tired of getting strung along by those other guys that say they'll get you the best deal in local waste removal? We bet you are, so why not give Budget Dumpster a try? We're confident that if you spend just a few minutes on the phone with us, you are going to know immediately that we are the best choice for a dumpster rental in West Reading. There's no run around with us, we are transparent and streamlined with our customers every step of the way. With just a phone call you can have everything lined up and ready to go.
- Call now and get started right away with an open-top order.
- Our drivers can make delivery to most residential and commercial spots.
- We're got a dumpster near Philadelphia that blows the other guys out of the water.
- Rent confidently, you're working with the best in the business.
We're open and available to take your call five days a week. Monday thru Friday, we are going to be available between the hours of 7 am and 8 pm Eastern. So whenever you need a dumpster, just give us a call. Spend a few minutes on the phone with one of our customer service reps and you'll be on your way to a great rental. All of our employees are experts that have been trained in the ins and outs of the industry. Why not see the Budget Dumpster difference for yourself?
Household & Construction Dumpsters
10 Yard Dumpster3x
Holds ~ Three Pickup Truck Loads
- Ideal for cleaning out the garage or attic.
- A small size that can fit practically anywhere.
- Dispose of small amounts of household and construction debris.
20 Yard Dumpster6x
Holds ~ Six Pickup Truck Loads
- A great size for roofing and remodeling projects.
- Easily dispose of household junk and light construction debris.
- Also useful for small-scale demolitions.
30 Yard Dumpster9x
Holds ~ Nine Pickup Truck Loads
- Great for home renovations or multiple remodels.
- Can easily accommodate construction and demolition debris.
- A convenient size for large-scale cleanouts.
40 Yard Dumpster12x
Holds ~ Twelve Pickup Truck Loads
- Great for building renovations and large demolitions.
- Dispose of several tons of debris at once.
- Perfect for contractors with large-scale projects.
I need more than one dumpster but I'm short on space.
No problem at all. We can make sure you get as many roll-off rentals as the project is going to dictate, and we won't take up more space than you can afford to give up. We aim to cater every order to the specific needs of the customer, we know that no two rentals are going to be the same. So rent with confidence knowing that even if you are short on space, you can get as many rentals as you need. What we do in this situation is set up an empty and return service for you. Give us a call when you have finished with one of your dumpsters. We'll send a driver out to deliver a fresh and empty unit while at the same time handling the waste removal on the dumpster that you have already filled. There's no need to put your project on hold.
Still unsure? Get a quote from Budget Dumpster and see for yourself. We are confident that once you have matched us up to the competition, we are going to pass with flying colors. Not only that, spend a few minutes on the phone with any of our customer service reps and you are going to know that we blow those other guys out of the water. Make the right call, choose Budget Dumpster. We have our customer service reps waiting by the phone to take your order. Get a better waste removal now.
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Dumpster delivered on time and picked…
Dumpster delivered on time and picked up efficiently with minimum damage to grass after all day of rain...Driver was very courteous and caring to prevent and damage to the yard.
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Great services and price
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On time, professional, and helpful!
Easy, quick, painless. Ordered it on Tuesday received it Friday. I originally ordered a 20 yard which wasn't available and they brought me a 30 yard at no extra cost. I Called once i was done. Did not have to be there when it's was dropped off and picked up. Easily one of my best experiences ever
Grate and fast service
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Great Service
Friendly staff. Delivery and pickup were on time. We were very impressed with this company.
Read More Budget Dumpster Reviews


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Wooden house plans: Wooden bungalow "Koivu" 214 m²
Bungalows are very convenient for the homeowner in that all living areas are on a single-storey and there are no stairs between living areas.
This small wooden house in bungalow style called "Koivu" can accommodate four studios (four separate rooms with four entrances - one for each of the rooms) ranging from nineteen up to twenty-nine square meters. The design of this house is perfect for the construction of hotels and hotel complexes, resorts, timeshares, bungalows in tourist areas on the sea or bt the ocean. Even in cold areas like in various skiing resorts or just somewhere in the mountins this project of a house meets meets stringent environmental standards, the walls of glued laminated timber will keep the warmth inside and simple construction will allow you to build such a house in very short terms.
Original design of wooden house made of profiled timber, total house area is 214 sq.m. It is a one-storeyed house, there are 7 rooms and a sauna. It is a good decision to use timber of different tones.
This house is a real brainchild - harmony between human and nature, and technology. The living area is 73,91 m². Ground floor area size 214 m2. Veranda area size – 52,59 m². The volume of wall materials – 80 m³.
Photos of the interiors of wooden houses can be found here.
You can watch a video-review of the wooden house "White House" made of glued laminated timber Archiline Houses:
You can have a look on 3D-tour of the wooden house "White Houses" made of glued laminated timber Archiline Houses:
Wooden house made of glued laminated timber "White House"
Look more:
You can see a video-review of the wooden house "Mirage":
You can have a look on 3D-tour of the wooden house «Mirage»:
Wooden house "Mirage" from profiled glued timber 99m2
You can view a 3D-tour of a wooden house "Mirage" with augmented reality glasses in the office Archiline Houses. Click here!
If you are interested in wooden house plans: Wooden bungalow "Koivu" 214 m², you may:
Other products on Wooden house plans
Wooden house made from dried profiled for two families, individual project of foundation
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ArchiLine Wooden Houses
114-49, Necrasov str., Minsk, Republic of Belarus, 220049