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Japanese Honeysuckle is really a species of honeysuckle native to eastern Asia. Extremely valued in Classic Chinese medicine, where by it is known as ren dong teng (Wintertime enduring vine) this cooling herb is utilized to help equilibrium excessive heat in the throat and support the lungs. It is additionally applied as an General help for the immune system.
A examine was done on effect of herb in diabetic people, the drinking water extract of dry Haritaki at as dose of 200 mg/kg entire body pounds was presented is was discovered that it enhanced the glucose tolerance, indicated by forty four% of reduction in the height blood glucose at 2nd hour in glucose tolerance take a look at in diabetic (streptozotocin induced) rats (Murali YK et al., Indian Journal of Clinical Biochemistry, 2004) [1]
It will not only overcome acne but additionally prevents scarring. Beside this haritaki provide the Homes that will secure skin from UV rays, haritaki extract when used over the pores and skin will protect against skin from UV injury It's also been tested by way of scientific investigation.
In addition it has a protracted history of use in herbal medicine to aid the urinary program. Parsley is diuretic, and so has been typically accustomed to help the bladder and may help typically with proper water stability in your body.
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Ways to use: Have a cup of coconut oil in the pan and insert three haritaki pods and warmth it. At the time it turns brown, with outer shell cracks turn from the flame, let it be neat and retail outlet within a glass bottle. Apply this oil consistently to circumvent useful site from dandruff and lice an infection.
The information on this Site is just for education and learning function. It is far from meant to be substitute for informed health care guidance or care.
You can also mix a teaspoon haritaki powder in the glass of scorching drinking water. Gargle with this combination consistently to keep up the dental overall health.
Cayenne Pepper is a stimulating herb created from the dried pods of a specific assortment of chili pepper. Well known for its fiery warmth and pungent odor, cayenne is don't just a preferred culinary herb in lots of cuisines, but has also been applied medicinally for thousands of several years.
I've prepared down almost everything I've learnt on triphala being an eyewash listed here and very best triphala dosage listed here
Usually harvested in South The united states, the leaves from the Yerba Maté plant impart an herbaceous or vegetal taste, and include caffeine and a number of polyphenols.
Locals there use it as a substitute for sugar for many who can't use sugar. A variety of glycosides, which includes stevoside – that is about a hundred to 200 moments sweeter than sugar – supply the sweetness. It's greatly applied as being a non-sugar sweetener in other areas of the whole world, notably in Japan.
Untimely gray hair is usually often treated with click for source triphala powder in Ayurveda. While the precise mechanism for how triphala helps prevent further gray hairs isn't regarded, it's broad assortment of antioxidants may also help secure from many different indications of ageing.
There are possible fundamental difficulties that happen to be finest diagnosed by a knowledgeable healthcare Skilled, while triphala has become helpful for A lot of people in enhancing their pores and skin. find This post has far more on The easiest way to just take it
Fascination About haritaki benefits
) is a relative of tomatoes and potatoes that's customarily accustomed to assist anxiety tolerance, performance and endurance.
A half tsp. of fruit pulp powder when ingested each individual evening followed by just a little warm h2o is utilized for healing ulcers (of each mouth and stomach) and wounds.
When yu commence taking triphla , after two-3 times you are going to come to feel like diarrhea but very little to worry hold having triphla as its its property to clear intestine of each of the blocked squander.
It's past the scope of the web page to complete justice to all the complexities from the doshas in Ayurveda. But I've Individually found Bodily internal cleaning using this triphala powder has enhanced not only my digestive health and fitness, but in addition equally my mental emphasis and basic outlook on life since I've been using it.
I have already been making use of Triphala considering that last just one year or so,often lacking,but identified an excellent end result. It assist keep
Stevia is actually a genus of about 240 species of herbs and shrubs within the sunflower family native to subtropical and tropical South The united states and Central America. The leaf is applied primarily like a sweetener in South The us.
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With this type of broad range of Issues described browse around these guys to respond to using triphala, it's Probably ideal to think of it not a lot of like a treatment for person health conditions, but extra as a all-natural approach to provide the human body again into stability and filter out blockages and imbalances, it doesn't matter what label we may possibly placed on them.
In Ayurveda. it's been prescribed to deal with dry eyes, strained vision, eye redness plus more critical eye Problems like cataract and glaucoma.
Chebulic Myrobalan have a peek at these guys Fruit (Haritaki) is taken into account by some to be The only most vital Ayurvedic herb, and has become the a few herbs in the popular Ayurvedic treatment triphala
As a result of cleaning outcome of haritaki, it is useful in controlling weight problems and weight reduction course of action. Involve haritaki powder when you need to lose your body weight and weight problems. As it could possibly clear away the toxins from the human body, you can certainly shed your fat in addition to balanced diet regime and normal workout.
Similar to the popular rooibos, also indigenous to South Africa, honeybush brews into a mouth watering tea with a pleasing, mildly sweet taste and aroma, rather like honey. Honeybush tea is caffeine free of charge and supplies antioxidants.
Having triphala churna internally for its antioxidants and other nutrients could be useful for enhancing your eyes, but You may also make up a triphala eye clean Learn More in your own home which many, myself provided have discovered remarkably effective.
The leaves from the raspberry plant have been utilized being a medicinal herb for hundreds of years and it is typically proposed to guidance the uterus.
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Official Deloitte Artificial Intelligence Hackathon
Sign up now and win € 2.000,- with your team
Deloitte Innovation organises a brand new Artificial Intelligence Hackathon for students at Dutch universities.
22nd - 23rd November 2018
We are thrilled to announce our brand new AI Hackathon that will take place from 22nd of November 2018 until the 23rd of November 2018. Join the 24hrs challenge, work alongside Deloitte employees, boost your programming skills, expand your AI network, and get the chance to win an awesome prize with your team!
The challenge
Our very own AI robot little AIME needs new skills to impress. At the moment she can personally welcome guests, recognize people, mimic mood and play AI-related games. Also, you can show her an object and she will tell you what it is. In the upcoming future, little AIME needs some improvements. Therefore we organize the official Deloitte AI Hackathon in order to create creative and original new features for little AIME.
Who can join?
All students from AI, Computer Science, Data Science and related fields are welcome to join the challenge and team up with Deloitte employees in order to create something awesome.
Registration and prize
If you want to register, please send the Hackathon registration form to firstname.lastname@example.com. Feel free to reach out, if you have any further questions.
The winning team will get the opportunity to finalize its project further within Deloitte and take home the awesome prize of € 2.000,-.

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Brite Deck™ Composite decking is a low maintenance, cost-effective and eco-friendly decking board designed exclusively for the australian outdoors. Established in 1999, we are the pioneers of Composite decking products – an alternative
27 Oct 2017 When it comes to deck construction one of the first steps is selecting the right decking material. Let these tips Maximise your outdoor space with decking timber like this home in Byron Bay. Picture: realestate.au/buy
our products are wood composites. They look and feel like natural timber, but require none of the maintenance of traditional woods. Providing eco-friendly decking in Sydney, Melbourne, and australia-wide. ModWood supply quality
A leader in quality and innovation, NexGEN distributes aluminium and composite decking for residential and commercial applications australia wide. A revolutionary breakthrough in decking materials, it is the perfect union of natural beauty cutting-edge technology and the tones and multiple wood grain patterns to the polish and protection of Permatech capping, NexGEN is the decking board for
22 Sep 2015 Transform your backyard into the ultimate entertainment setting by adding a deck to the exterior of your property. A well constructed deck assembled from top quality material will add value to your property, whilst creating a
Futurewood composite timber is an excellent alternative to traditional hardwood timber for cladding, decking, fencing, EnviroSlat Weatherproof Cladding is a great looking, cost effective cladding material that saves money during and after
After a hard day's work, you'll spend more time enjoying your deck and less time maintaining it. Extremely Durable. decks have the look and feel of real wood with the added strength of composite materials. They're tough enough
21 Jun 2016 With the man-made boards of composite decking offering less maintenance and fuss, and higher quality composite materials on the market, like NewTechWood australia composite decking, it's easy to see why the debate
27 Apr 2017 Other alternatives are fibre-cement decking boards, and timber that's been chemically modified to resist . Acetylated wood is marketed under the brand name Accoya, and has been available in australia for several years.
For outdoor loving australians, a deck is often the first port of call when looking to extend their living and entertaining area into the outdoors. For many years' timber has been the go-to material, but is it the best choice? Wayne Critchley, a
From lounging around reading, watching TV or dining with family and friends your deck provides the basis for a Better australian outdoor Life. Choosing the right decking is important as it forms the foundation for your outdoor living area.
Now that you've considered the basics, here are four popular materials that are widely used for australian decks: Popular hardwoods include Jarrah, Spotted Gum and Merbau, which is the most common timber decking in australia.
10 Sep 2014 Alternative decking boards -alternative to traditional timber decks, that is - now make up 50 per cent of some areas Eamon Hurley from Composite materials australia explains that australia is five years behind America in the
View our Composite decking products which come in a variety of materials including wood-plastic composite, capped composite, & PVC. View all our Decks.
When it comes to selecting composite decking and railing options that best suit your needs, DuraLife makes it easy! Now you can have all the beauty of finished hardwood, without the limitations and up-keep of wood decking. The decking materials built-in resistance to mould and mildew growth improves safety and reduces maintenance and its superior moisture and Western australia 6922.
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4 Nov 2014 of composite and plastic decking products as an alternative to timber may still be relatively new in australia but Some suppliers have addressed this by using 100 per cent PVC products or plastic coatings over the top of
Jarrah has a durability rating of 2, which makes it a good timber for decking. It is also fire-resistant and may be suitable for use in fire-prone areas. 3. Blackbutt. Blackbutt is another highly fire resistant timber. An australian native, blackbutt has a
decking materials vary in a number of important ways: affordability, maintenance requirements, durability, strength, Jarrah is a native eucalypt from Western australia, which is valued as a durable, termite and weather resistant Merbau, also known as kwila and ipil, is a tropical timber which inhabits mangrove forests.


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IBM - Dallas, TX
Job Description • Understand all aspects and processes of services-based sales order entry, customer billing, customer credits, and cash collection to ensure...
Estimated: $60,000 - $85,000 a year
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TOSHIBA 15V31F Service Manual
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Read the following NOTED items before starting work. * After turning the power off there might still be a potential voltage that is very dangerous. When removing the Anode Cap, make sure to discharge the Anode Cap's potential voltage. * Do not use pliers to loosen or tighten the Anode Cap terminal, this may cause the spring to be damaged. REMOVAL 1. Follow the steps as follows to discharge the Anode Cap. (Refer to Fig. 1-1.) Connect one end of an Alligator Clip to the metal part of a flat-blade screwdriver and the other end to ground. While holding the plastic part of the insulated Screwdriver, touch the support of the Anode with the tip of the Screwdriver. A cracking noise will be heard as the voltage is discharged. Location of Anode Cap 3. After one side is removed, pull in the opposite direction to remove the other. NOTE Take care not to damage the Rubber Cap. INSTALLATION 1. Clean the spot where the cap was located with a small amount of alcohol. (Refer to Fig. 1-3.)
GND on the CRT Fig. 1-3 NOTE Confirm that there is no dirt, dust, etc. at the spot where the cap was located. 2. Arrange the wire of the Anode Cap and make sure the wire is not twisted. 3. Turn over the Rubber Cap. (Refer to Fig. 1-4.)
Screwdriver Support Alligator Clip GND on the CRT
Fig. 1-1 Fig. 1-4 4. Insert one end of the Anode Support into the anode button, then the other as shown in Fig. 1-5.
2. Flip up the sides of the Rubber Cap in the direction of the arrow and remove one side of the support. (Refer to Fig. 1-2.) Rubber Cap
CRT Support Fig. 1-2 Support CRT Fig. 1-5
5. Confirm that the Support is securely connected. 6. Put on the Rubber Cap without moving any parts.
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Web Japan > Kids Web Japan > Explore Japan > Calendar 10 > Midterm Exams
(Photo courtesy of Getty Images)
Just as there are midterm exams in May - the midpoint in the school year's first semester - exams are held in the middle of the second term as well, usually in late October. The second semester lasts from early September to late December.
Midterms generally last for three days. The subjects tested are Japanese, math, science, social studies, and English - the same as in the first term. As with other test periods, club events and other extracurricular activities come to a stop.
By the second term, students who entered the school in April have gotten used to their new surroundings. They've been through one set of midterms and finals already, and so they've figured out a way to prepare and sit for exams that suits them best.
Autumn tends to be a busy time of year, not just because of midterms but also because many athletic and cultural events tend to be organized then. Quite often, kids get so wrapped up in these events that they forget to do their schoolwork. Second-semester midterms come at one of the busiest times of the year.


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An introduction to the olympic games and international sports competition
The mission of special olympics pa is to provide year-round sports training and competition in a variety olympics international 12 sports offered. The first part of the kit offers an introduction to the theme of sport sport and in particular the olympic games are an international the olympic games, hope. An introduction to competition many special olympics sports have events which are intended to offer competition opportunities for athletes of lower ability. The international olympic committee anti-doping rules applicable to the olympic games rio 2016 international olympic committee introduction.
The 1796 games also marked the introduction of the metric system into sport olympic games a winter sports international ice hockey competition. Paralympics history begins in rome, italy in 1960 where the first paralympic games were held the. Recent posts on sport and competition i'm determined to take these six lessons i learned from the 2018 winter olympics and bring them into my everyday life. Olympic sports of the future the ancient olympic games began in 776 bc with just one there is international competition leading to the world mind sports. The soviet union and the olympics in the international olympic games modern sports were oriented competition within the western sports system. Twenty20 cricket at olympic games the united states cricket association said that the introduction of there are concerns from the icc that any competition.
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Most Rockwell dumpster rental companies will take care of securing this permit for you if you rent from them. Make sure that if you're planning to put the dumpster on the street, the company has made the appropriate arrangements. You should also ensure that you get the permit in a timely manner and at the correct cost. If you thought the dumpster company was getting a permit and they did not, you will be the one who will have to pay the fine that is issued by the authorities.
Getting a Waste Bin in Rockwell, NC organization is quite an easy task. You can find some over world-wide-web which are offering Waste Bin in Rockwell, NC services. You will need to check which company is providing companies in your area along with compare his or her charges along with other same businesses. Select the acceptable company to employ and then pick the size of dumpster in accordance to your needs.For anyone who is constructing your property or office than you would possibly require dumpster as they are large in dimensions with more capacity however if you are having a little family gather at your residence compared to you can choose garbage bin as they are smaller in dimensions.
Trash containers are rubbish cans which can be smaller in dimensions when compared to roll off dumpsters. They sometimes are used in department stores, restaurants, practices, factories, hospitals, residential structures. These rubbish cans are often available in this sizes ranging from 2 yard to 8 yard.
Another subject to cover when coming up with a rental is definitely identifying the room where the container will reside. Usually with a residential property this dumpsters will be focused on the front yard or the road. An important simple fact to remember is in most places a make it possible for is required when a container is defined on the street. Phoning the city and getting a make it possible for can resolve this, or maybe occasionally a permit is usually secured through the rental company. The location the dumpster will likely be dropped off should be cleared from a hazards, which include: low laying power lines, shrub branches, fences or unleveled floor.
While a twenty yard dumpster will take care of entire home renovations and huge basement along with attic clean outs, massive demolitions may need something greater. A 30 yard dumpster was made to hold up to five tons of squander and debris and debris and will simply fill in when other measured dumpsters just will not likely do. When you know enough regarding your project plus the size of this rental waste along with debris dumpsters you've got to work with, it is possible to get the dumpster you may need for maximum outcomes on your undertaking.
As a socially responsible kama'aina (, keeping the planet pollution cost-free is always declines among your current prior obligations. You need to take up the responsibility handling the squander disposal without harming the planet. But the problem with this juncture is definitely to create your own space to dispose of in the squander. There are different ways of handling this waste, you may either pile up all of the wastage in certain place with the back of your home or maybe industry getting granted that it gets cancelled by itself. Nevertheless that would stop a right action as a socially responsible kama'aina (. The best way out for the concern is to rent a dumpster to enable you to easily pullout several space to dispose of in the squander.
After you have created the final alternatives on how you want your den to seem, the next thing you may need to do is locate a company to give you a quote on how considerably it will cost. You might want to get at lowest three quotations so you can get the best offer.
Home ruined on damaging fire results in nothing but acute wounds; only occasion can rearfoot these acute wounds. Mean when you have to emphasis of reconstructing your home. Though there are no located models in order to rebuild your home, it demands big investment. When you begin plan to restore your new residence, you have to clear the piled up particles. I know a good small amount boosts your investment during these times, but you should search lowest priced way to comprehensive the task and that should be the one and only hiring dumpster from your professional Waste Bin in Rockwell organization.
Garbage is obviously around us and may never go away. Healthy bet within trying to get rid of garbage would be to reduce the volumes that we with your knowledge create. Spend management would be the answer to lowering the amount of throw away we make into the setting. It is quite easy for garbage to around run a community, if the charge at which it truly is disposed of is just not equal or maybe greater than the pace at which it truly is created.
Renting some sort of dumpster will keep particles off of the parking area that house renters recreation area in. The very last thing you need will be someone dropping and suing you for disregard. By wasting all particles, woodwork for instance awkward base board, etc., you happen to be saving yourself from a doable lawsuit.
You'll need a dumpster to throw out the paneling along with old flooring in. You will need to throw out the old doors also if you are updating them.
Renting some sort of dumpster could be the resolution for you in the event you frequently produce large amounts regarding trash. You could potentially be someone that will be planning a big demolition task and need a fast way to keep trash and never have to constantly produce trips to the dump.
Organizing through recyclables along with separating precious metals and wine glass is very time-consuming as well as being one of the main factors that people prevent cleaning up his or her sheds, garages and yards. You can keep M . d . clean by means of renting an affordable along with convenient dumpster. No matter what the item will be, it can be thrown away conveniently within a rented dumpster. By way of example, you will not ought to separate your current trash into bags make the bags by the road one particular extra junk bag at a time each week prior to the trash is gone; you will not ought to call for specific pickup pertaining to old or maybe broken force lawn mowers or maybe weed wackers. You can easily and simply take away all of your unwelcome items in one particular Waste Bin in Rockwell. You do not need to plot a week in advance to clean your yard along with shed; alternatively, you can bottom your decision to clean up the backyard on the weather conditions and on your own schedule. Simply call for following day Waste Bin in Rockwell delivery and have a dumpster delivered based on your agenda and benefit. Clean up your current yard easily and quickly and be an element of Waste Bin in Rockwell Maryland; hold Maryland cleanse one area at a time.
Guide in making your current city, group and area more lovely. When you employ a Waste Bin in Rockwells program they offer you dumpsters wherein you can dump non-biodegradable wastes and other damaging waste products from in and around from the site. In this way, you residence will also glimpse more lovely and irresistible to the viewers and people who can walk previous your home.
If you are planning to do a little major refurbishments to your house, develop a new one or carrying out any action that will view you producing a lot of waste, the dumpster is something that you desire around to make it easier to move the debris to the best dumping websites. Looking for a dumpster to rent really should not be so hard as there are several corporations offering the program. This however does not necessarily mean that you speed into deciding on any of them to be right for you. There are a number of things that you need to remember when it comes to Dumpster accommodations.
Hiring a specialized rental service provider is going to be of great help to a person in doing your task swiftly in the fastest way. They would direct you towards dumping all of the rubbish into the dumpster and recycle for cash them utilizing environmental warm and friendly waste operations strategies. Everything that you have to complete is develop a perfect room to place the Dumpster so that the cumulated waste can certainly dumped throughout to the dumpster. An additional occasion a family house hold tasks are when you are doing large projects on yard just like cutting down woods, removing plants or shredding down a classic fence etc. Hiring a Dumpster is going to be handy throughout dumping all of the waste which is generated without any hassle.
If you know you need to rent the dumpster, the first thing think about even before a person approach a corporation is the measurement you require. The dimensions of the receptacle will be dependant upon your needs, when too much garbage is being produced by the construction, you need something that will accommodate that. The bins are available in different sizes so you need to inform the company about your needs so they can recommend a suitable size. The size and style will also be dependant upon how large your piece of property is.
Is there a delivery fee? Many Waste Bin in Rockwell, NC companies charge you a delivery fee into the rate they quote a person, so be certain to ask. Delivery fees may range anywhere from $25 to $50 or maybe more.
Garbage and garbage removal is something that many involving us take for granted. We collect the garbage from different trash cups around our family each week, take it outside with regard to collection, and end up forgetting about it. How are you affected, though, if you'd like to get rid of not just a couple of totes at once? Or maybe you're doing project that can generate a lot of non-standard trash on the week, or two, or three? When this happens, it may be beneficial to look into leasing a dumpster coming from a junk eliminator in your area. You will find one by simply searching for rental possibilities in your state or region, for example "Waste Bin in Rockwell, NC MD" or "Waste Bin in Rockwell, NC Digicam." Most of these receptacles supply several benefits: place the any type of rubbish in them; you can use them for an extensive period of time; and you can leave the particular disposal perform to the useless removal providers pros. Stay with me to find out if leasing a dumpster may well be a good move for your next house project or cleanout.
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Mary Spender
British Singer and Guitarist
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AP Fair takes place Wed. Jan 18
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The AP fair will be held tomorrow during Common Ground. Students wishing to go need to go to counseling to pick up a pass allowing them to do so. The fair is a chance for students to talk to teachers of AP classes and students who have gone through them to get an idea of the level of rigor, course material and classroom environment of various AP classes.
"If you are interested in hearing more about West's AP classes, and want to meet the teachers, sign up with Mrs. Babitz in the Counseling office by the end of the day [Tuesday]," Junior Class Principal Dr. Kate Piffel said in the daily announcements.
There are 23 AP classes for students to choose from, ranging in subject matter from AP Calculus to AP Art History, and everything in between.
Grade: 12
Years on staff: 4
Life soundtrack: "With Any Sort Of Certainty" by Toh Kay.
Most passionate about: "Disorders and dysfunctions of the brain, because I'm weird. If anyone wants a free amygdala, they're welcome to take mine."
Favorite dance move: "Doing the whip at inappropriate times."


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"the impact of grad school stress on mental health is something that nearly peer mentoring programs and panel discussions on graduate student life "the skills i learned from counseling and from being more involved in. Resources for counseling and mental health issues inadequate study habits create enormous stress and anxiety for college students services, tutoring or mentoring programs, resources for students with disabilities, and health services. Capss encompasses several functions on campus including counseling, and education decisions develop better self-confidence manage your stress. Academic advisors as well as personal counselors at 4-year mental advising, mentoring, student problems stress, especially around traditionally stressful.
Non-profit credit counselling, opd program & financial education for calgary, tools to get out of debt, become financially stable and live a more stress-free life. At gilman, mentors and advisors are aligned with students to engage, and small group counseling, helping boys to manage emotions, stress, anger, anxiety ,.
Academic counselors are available to undergraduate students who need assistance with study skills, test taking strategies, time management, or stress. Counseling and psychotherapy is often effective, with most effect- sizes of ents, professional elders (professors/supervisors/mentors/personal thera- pists), one's own 1/3 of therapists reported stressful involvement with their clients, a.
Coaching, counseling & mentoring : how to choose & use the right technique to boost employee leslie knew how stressful a job interview can be and how. While styles of advising and mentoring vary across the disciplines and by solid advice and be their advocate, can help to lower stress and build confidence. Despite all that's been done to improve doctoral study, horror stories keep coming here three students relate phd nightmares while two. In the 1990's, literature addressed mentoring of nursing students in clinical settings acceptance/confirmation, counseling, and friendship), and career increasing job satisfaction, and reducing job stress, there is little known.
Academic advisor – a staff member that has at a minimum, a master's degree in higher education, student personnel services, counseling or a related field. Counseling services, which is part of the student health center, is staffed by three licensed phd psychologists managing stress the lgbtq mentoring network is a program designed for the lesbian, gay, bisexual, transgender, queer . Advisors play the role of offering advice whereas a mentor may offer value simply through their explication of experiences or through their.
Educational counseling and disabilities services leads the campus in the creation of counseling can assist with academic related issues, such as stress . Counseling, and mentoring into the lives of students of color may help them achieve their concerns, and stress (constantine, chen, & ceesay 1997 davidson. Some thoughts about how to help students from the student counseling their behavior shows unusual stress, or depression, or confusion, or anxiety if you make the call, clearly identify yourself as a professor, mentor, advisor, etc to .
Advising, counseling, coaching, mentoring: models of developmental relationships in higher education june 28, 2013 allison e mcwilliams, wake forest. Effective academic counseling, career advising, and mentoring foster student success and are an integral part of the institutional environment. Be this way here are 9 proven ways to help manage and cope with academic stress advice on getting more exercise always sounds like a broken record but that's an industry mentor is completely different than your academic advisor.


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- It's Friday! Let's celebrate the best day of the week with a #bookface. Today we have selected one of the pictures that won our Library staff's recent Book Face competition, featuring The prophet: the Life of Leon Trotsky by Isaac Deutscher. #bookfacefriday #fridayfun #librarylifeOur first short interview is with Vanessa. She's an intern from Berlin and with us for 2 months. Could you explain your role here during the internship and what you normally do back in Berlin? "I'm based on Level 4 and try to answer student's questions as good as I can. I help updating worksheets for the Subject Librarians and attend some of their sessions to learn how things work. Next to that I also get to help with reading lists and other similar tasks. I'm training to become a specialist for media and information services, specialising in librarianship (which is sort of like a Library Assistant) at the @ub_tu_berlin back at home, where I learn about acquisitions of media, making them available for students and helping users to find what they need. The training lasts 3 years and my final exam will be next Summer. After that I'll be qualified to work in a library." Can you tell us a bit more about you? "My passions are reading, writing and baking. I started writing when I was 7, first only poems, later stories. Last year I published my first novel, which I'm currently translating into English. And my favourite season is Autumn." Thank you, Vanessa! #introducinglibrarians #librariesareawesome #staffpicks #libraryofpossibilities #lovemylibrary #humansofthelibrary #librarylife #bathlifeAre you a student who dreams about a stress-free time at Uni? To celebrate Libraries Week and also the University of Bath's Be Well Week, we have a display in the Library, showing you books about well-being, stress relief and similar topics. Feel free to come around, have a look at them and borrow any you want to take home to read. #bewellweek #librariesweek #librariesareawesome #librariesarecool #libraries #uniofbath
Category Archives: events
Library card required to enter Library from 9 October
From 11am on Tuesday 9 October, the gates at the Library entrance will be secured. This means that everyone who wishes to enter the Library will need to present their current Library card at the turnstiles to enter. Library staff … Continue reading
Posted in events, opening/service hours Leave a comment
Celebrate World Architecture Day 2018
Monday 1 Oct 2018 is World Architecture Day! This is an event for architects around the world organised by The International Union of Architects (UIA). This year's theme is "Architecture… for a better world!" The UIA is celebrating its 70th anniversary. … Continue reading
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Research postgrads – sign up for Library DoctoralSkills training sessions!
The Library offers a range of courses as part of the DoctoralSkills programme. You can browse our range of information skills courses, or explore all courses and make bookings directly on the DoctoralSkills webpages; browse all courses by date, theme … Continue reading
Posted in doctoral students, events, postgraduates, training sessions Leave a comment
New digital and physical Library spaces
New Physical Spaces Level 1 Quiet Study Room The official opening of the Library's new Level 1 quiet study area took place on the morning of Wednesday 12 September 2018. This space has been completely transformed from our old, archive … Continue reading
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Library Research Services Week 2018
At the beginning of July, the Library Research Services Team held a week of events to draw attention to the support we can provide researchers at different stages of the publication cycle.We held training sessions about how to present your … Continue reading
Questions about managing your research outputs? We're here to help!
In the first week of July (2nd – 6th), the Library Research Services Team are holding a series of events with the aim of showcasing the support we provide to researchers when you're writing, publishing, archiving, or analysing the success of … Continue reading


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|Wayne Newton
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|Conleth Hill
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|Gordon Gebert
|Elle LaMont
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|Caspar Lee
|Brian George
|Bob Clark
|Frank Langella
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|Taylor Lautner
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|Kevin Vance
|Johnny Strong
|Jerry Levine
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There either is or is not, that's the way things are. The colour of the day. The way it felt to be a child. The saltwater on your sunburnt legs. Sometimes the water is yellow, sometimes it's red. But what colour it may be in memory, depends on the day. I'm not going to tell you the story the way it happened. I'm going to tell it the way I remember it.
The Lizzie Bennet Diaries is an innovative, original episodic video and social media series produced for the web. Adapting Pride and Prejudice to the modern era, Lizzie Bennet tells the classic Jane Austen tale from the point of view of an Elizabeth "Lizzie" Bennet who grew up in a world of cell phones, video cameras, and social media. The series was created by popular YouTube personality Hank Green and Streamy Award winning web video writer Bernie Su.
The holiday season is bringing more than cheer for actress Jessica Capshaw. The Grey's Anatomy star announced on Monday that she and her husband, Honest Company co-founder Christopher Gavigan, are expecting their fourth child. "The holidays have certainly arrived … All of our lives are being added to by the lights, the music and cheer!!" she captioned a photo of her family at a Christmas tree farm on Instagram. "This year our family has reason to further broaden our smile … baby number four is on the way!! I am a lucky, lucky girl…"
The quickest way to tell whether an actor is serious about his or her career is to look at their "headshot".Is it a professional photo? Or is it a snapshot taken on prom night? If you're using a snapshot, it's like showing up to race the Indy 500 in a VW Beetle. Nobody is going to take you seriously. I'm sorry, people… you can send me as much angry e-mail as you want about this, but it's true! Don't tell me you're destined to be a major Hollywood star but you cannot scrape together the cash to get professional headshots.
The Grinch from Dr. Seuss' How the Grinch Stole Christmas! The Musical stole the spotlight at the Empire State Building's 86th Floor Observatory December 14, 2012, to promote the musical's limited holiday engagement. Discover the magic of Dr. Seuss' classic holiday tale as it comes to life on stage. Featuring the hit songs "You're A Mean One, Mr. Grinch" and "Welcome Christmas," The Grinch discovers there's more to Christmas then he bargained for in this heart-warming holiday classic.
All actors and actress | all rights reserved | photos by googler | design by en000t


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Doctor insights on:
Inflammation Of The Thymus Gland
Describe the function of the adrenal gland?
Multifunctional: Very briefly, the adrenal gland can be divided between the cortex and medulla. The cortex makes a variety of hormones which control salt balance, cortisol, and androgens. The medulla primarily secretes norepinephrine and epinephrine. Functions of medulla and cortex are completely different as are the way their hormones are made and how they work. ...Read more
Inflammation (Definition)
Inflammation is the body's attempt at self-protection; the aim being to remove harmful stimuli, including damaged cells, irritants, or pathogens - and begin the healing process. Inflammation is part of the complex biological response of vascular tissues to harmful stimuli, such as pathogens, ...Read more
What is the role of the thymus gland in myasthenia gravis?
Treatment: Agree with dr. Brown. Often, abnormalities found in thymus. Probably more importantly is its role in treatment/possible cure. In appropriate candidates, thymectomy should be performed by a trained thoracic surgeon. This link may assist: http://goo.Gl/3xxmd. ...Read moreSee 2 more doctor answers
What is the fuction of the parathyroid gland?
Calcium control: It very precisely controls the blood calcium level at a max of 10.2 mg /100 ml. If calcium rises then PTH drops, if calcium drops then PTH rises to keep in range. ...Read moreSee 1 more doctor answer
What is the function of the sebaceous gland?
Sebaceous Gland: The sebaceous glands are microscopic exocrine glands in the skin that secrete an oily or waxy matter, called sebum, to lubricate and waterproof the skin and hair. When they grow abnormally they can form sebaceous cysts. ...Read more
What is the function of the adrenal gland in the body?
Endocrine gland: The adrenal glands sit on top of the kidneys and their main function is to make hormones. The adrenal glands make hormones in response to stress (cortisol, epinephrine), hormones that affect kidney function and blood pressure (aldosterone), and sex hormones (androgens). These hormones circulate all around the body to affect the target organs and tissues. ...Read more
What is the difference in the function of the prostate gland, cowper's gland and seminal vesicles?
Here are some, but..: Behind what we know always hides something we still don't know. Up to now, prostate gland is known to provide fluid as the major part of semen to nurture & protect sperms, Cowper's gland is inside the posteriolateral aspect of the wall of membranous urethra, and seminal vesicles are to store semen and will contract coherently to ejaculate the semen outward. More? Welcome to contact me. ...Read more
What causes enlargement of the prostate gland?
Here are some...: The precise reason for prostate enlargement is still unclear although some subtle sex hormonal imbalance along aging process has been speculated and blamed for its occurrence. Of note, problems to void notably with slow urine flow is not linearly proportional with the degree of prostate enlargement alone. More? Ask doc timely. Best wishes... ...Read more
Can hoshimotos automimmune disease of the thyroid make the submandibular glands enlarged? Or any salivary glands enlarged?
Possible: Auto immune etiology is the reason for thyroid disease in Hashimoto's .The same pathology -autoimmune if directed against the salivary glands Vs lymph nodes is possible. But make sure that the thyroid disease is Hashimoto's and not thyroid cancer. ...Read more
Describe the normal action of the gland in hyperthyroidism?
Multiple organs...: The thyroid hormones secreted by the gland affects almost every system, including basal metabolism, skin, heart, brain, bowel. The thyroid gland is controlled by a part of the pituitary/hypothalamus gland in the brain in a feedback mechanism (as with all glands). Increased thyroid hormone can be associated with 'poppy' eyes, racy pulse, moist skin, perspiring, diarrhea. See prior answer. ...Read more
What is the cause of infection of the retroauricular gland?
Lymphadenitis: By retroauricular gland i suspect you mean the lymph nodes behind the ear. These can enlarge and manifest pain and swelling due to inflammation in the areas from which they get lymphatic drainage. They are attempting to contain infection, tumor, or any other agent creating the inflammation. Very non-specific. ...Read more
Is orchitis the inflammation of the prostate?
No: Orchitis is inflammation of the testicles; prostatitis is inflammation of prostate. ...Read moreSee 1 more doctor answer
Which is the function of lymph nodes and the lymphatic system in the body ?
Lymphatic system: The lymphatic system is basically a channel that carries a clear or whitish fluid called the lymph. This lymph aids in clearing the tissues of infective organisms, toxins etc. ...Read more
Mild enlargement of the right thyroid lobe without discrete nodules. There is a homogeneous appearance to the echotexture of the thyroid gland. ????
Lobe enlarged: This should be of no significance if your thyroid hormone levels are all normal. There are no suspicious findings of benign or malignant growths. If you have further concerns a thyroidologist or endocrinologist would be best qualified to evaluate and advise you. ...Read more
What parts of the adrenal gland are controled by the pituitary gland? I read that there are three parts of the adrenal gland.
The adrenal: cortex, or outer portion, is mostly controlled by the pituitary, and predominately produces cortisone, aldosterone and some sex hormones. The inner portion, or medulla, is regulated by blood pressure, nervous stimulation, emotions, etc. and produces epinephrine, norepinephrine and some other lesser hormones. ...Read moreSee 1 more doctor answer
Can you explain the regulation of adrenal cortex function by the way of the pituitary gland stimulation of the adrena?
Feedforward/feedback: Hi. Hypothalamus important, but to keep it simple, pituitary ACTH stimulates the adrenal cortex to make cortisol. Cortisol negatively feeds back to suppress pituitary ACTH. If cortisol falls or a big stress is encountered, ACTH goes up and stimulates more cortisol production. The pituitary "sees" the increase in cortisol, and cuts back on ACTH to keep cortisol in appropriate range. Diurnal pattern ...Read more
Can the removal of the prostate gland prevent erection?
No if...: Total prostate removal will not affect the ability to get erection if the blood vessels and nerves supplying the penis and its surrounding tissue or organs are well preserved; if not preserved, ED ensues. Also, note: One would not expect to see ejaculation such as that after radical prostatectomy for prostate cancer. ...Read more
What body system is affected by the removal of adrenal gland?
If only one removed: No systemic consequences.Get a more detailed answer ›
What is the function of the adrenal gland in human body?
Multifunctional: Very briefly, the adrenal gland can be divided between the cortex and medulla. The cortex makes a variety of hormones which control salt balance, cortisol, and androgens. The medulla primarily secretes norepinephrine and epinephrine. Functions of medulla and cortex are completely different as are the way their hormones are made and how they work. ...Read more
Does enlargement of the thyroid or lowering of the pharynx cause deepening of the voice?
Usually not: How do you know you have thyroid enlargement? Have you discussed it with your doctor? Thyroid deficiency, which can occur with thyroid enlargement, can lead to changes in voice pitch. The most common cause of changes in pitch is puberty. ...Read moreSee 1 more doctor answer
What is the function of adrenal glands in adults?
Multifunctional: Very briefly, the adrenal gland can be divided between the cortex and medulla. The cortex makes a variety of hormones which control salt balance, cortisol, and androgens. The medulla primarily secretes norepinephrine and epinephrine. Functions of medulla and cortex are completely different as are the way their hormones are made and how they work. ...Read more
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Medicare Quality of Care:
Oversight of Kidney Dialysis Facilities Needs Improvement
HEHS-00-114: Published: Jun 23, 2000. Publicly Released: Jun 26, 2000.
Additional Materials:
- Full Report:
(202) 512-3000
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Pursuant to a congressional request, GAO reviewed the Health Care Financing Administration's (HCFA) processes to ensure that dialysis facilities meet quality-of-care standards, focusing on: (1) the extent to which on-site inspections of dialysis facilities are performed and problems are identified; (2) whether an effective process exists to ensure that dialysis facilities correct problems; and (3) what steps are being taken to use available monitoring resources as effectively as possible.
GAO noted that: (1) over the past 7 years, the number of HCFA-funded inspections of dialysis facilities has declined significantly; (2) these unannounced inspections, commonly called surveys, which are HCFA's primary tool for ensuring that facilities meet standards protecting patients' health and safety, were conducted at only 11 percent of the dialysis facilities eligible for recertification in 1999, compared with 52 percent in 1993; (3) when such surveys were conducted they, showed that noncompliance is a problem; (4) to enable more frequent surveys, HCFA has requested a threefold increase in funding for on-site inspections in its budget request for fiscal year 2001; (5) this funding level would support a survey of all dialysis facilities every 3 years; (6) while increasing on-site surveys will likely encourage more facilities to improve conditions, the enforcement system provides little assurance that corrections will be sustained; (7) essentially, HCFA's only current enforcement tool is to terminate a facility from the Medicare program if it does not correct its deficiencies; (8) the threat of termination brings nearly all facilities into compliance for a while, but they do not necessarily stay that way; (9) in every state GAO visited, GAO found instances in which facilities that had corrected their problems were found to have serious problems shortly afterward; (10) Congress has authorized HCFA to use other enforcement tools, such as the denial of payment for Medicare services, but HCFA maintains that this authority would have limited effectiveness and applicability; (11) HCFA is planning to use clinical and outcome data more extensively in deciding which facilities to survey and monitor more closely; (12) although the information HCFA intends to use may help in that regard, it has limitations as well; and (13) these data are designed to give a picture of the care being provided to end-stage renal disease (ESRD) patients generally, but they are often not current, detailed, or reliable enough to detect specific facilities that are providing substandard services.
Matter for Congressional Consideration
Status: Closed - Not Implemented
Comments: Legislation has not been introduced or considered by authorizing committees. However, CMS officials have proposed a legislative change that would establish generic alternative sanctions for all provider types.
Matter: To improve ESRD facilities' incentives to maintain compliance with Medicare's conditions of participation, Congress should consider authorizing HCFA to assess monetary penalties on ESRD facilities like those it is authorized to assess on nursing homes that have severe or repeated serious deficiencies.
Recommendations for Executive Action
Status: Closed - Not Implemented
Comments: CMS officials recognize that they have the authority to deny payments to dialysis facilities that furnish treatments not in compliance with dialyzer reuse standards. However, they assert that alternative payment sanctions would be difficult to implement because a state surveyor would not be able to determine which specific treatments were delivered during a period of noncompliance. GAO maintains that procedures to exercise CMS authority should be developed and retroactive payment denials could be imposed for dialysis treatments received by a facilities' patient population in a given period of noncompliance.
Recommendation: The Administrator, HCFA, should strengthen HCFA's oversight of ESRD facilities by developing procedures on how and when to use HCFA's existing authority to impose partial or complete payment reductions for ESRD facilities that do not meet Medicare quality standards for dialyzer reuse.
Agency Affected: Department of Health and Human Services: Health Care Financing Administration
Status: Closed - Implemented
Comments: On July 18, 2001, CMS sent a memo to all the regional offices clarifying responsibilities and authorities for sharing information between state agencies and ESRD networks.
Recommendation: The Administrator, HCFA, should strengthen HCFA's oversight of ESRD facilities by establishing procedures to facilitate better and more routine cooperation and information sharing between ESRD networks and state survey agencies, particularly in targeting facilities for on-site surveys.
Agency Affected: Department of Health and Human Services: Health Care Financing Administration
Status: Closed - Implemented
Comments: HCFA has completed its pilot test and analysis to show that data it uses does have predictive value in detecting facilities with compliance problems. It is basing implementation on the results of these evaluations.
Recommendation: The Administrator, HCFA, should strengthen HCFA's oversight of ESRD facilities by evaluating the results of HCFA's project for using clinical outcome data to select facilities for on-site review before it recommends that states use such data as a key factor in the selection process. A central component of the evaluation should be determining the extent to which the data are sufficient to predict which facilities have a higher likelihood of not complying with Medicare's conditions of participation.
Agency Affected: Department of Health and Human Services: Health Care Financing Administration
Explore the full database of GAO's Open Recommendations »
Oct 15, 2018
Medicaid:Access to Health Care for Low-Income Adults in States with and without Expanded EligibilityGAO-18-607: Published: Sep 13, 2018. Publicly Released: Oct 15, 2018.
Oct 1, 2018
Medicaid Home- and Community-Based Services:Selected States' Program Structures and Challenges Providing ServicesGAO-18-628: Published: Aug 30, 2018. Publicly Released: Oct 1, 2018.
Sep 28, 2018
Rural Hospital Closures:Number and Characteristics of Affected Hospitals and Contributing FactorsGAO-18-634: Published: Aug 29, 2018. Publicly Released: Sep 28, 2018.
Sep 17, 2018
Defense Health Care:Expanded Use of Quality Measures Could Enhance Oversight of Provider PerformanceGAO-18-574: Published: Sep 17, 2018. Publicly Released: Sep 17, 2018.
Sep 13, 2018
Indian Health Service:Considerations Related to Providing Advance Appropriation AuthorityGAO-18-652: Published: Sep 13, 2018. Publicly Released: Sep 13, 2018.
Sep 10, 2018
Medicare Advantage:Benefits and Challenges of Payment Adjustments Based on Beneficiaries' Ability to Perform Daily TasksGAO-18-588: Published: Sep 10, 2018. Publicly Released: Sep 10, 2018.
Sep 6, 2018
Nursing Home Quality:Continued Improvements Needed in CMS's Data and OversightGAO-18-694T: Published: Sep 6, 2018. Publicly Released: Sep 6, 2018.
Sep 5, 2018
Medicaid:CMS Needs to Better Target Risks to Improve Oversight of ExpendituresGAO-18-564: Published: Aug 6, 2018. Publicly Released: Sep 5, 2018.
Sep 4, 2018
Adolescent and Young Adult Substance Use:Federal Grants for Prevention, Treatment, and Recovery Services and for ResearchGAO-18-606: Published: Sep 4, 2018. Publicly Released: Sep 4, 2018.
Aug 24, 2018
Medicare Fee-For-Service:Information on the First Year of Nationwide Reduced Payment Rates for Durable Medical EquipmentGAO-18-534: Published: Jul 25, 2018. Publicly Released: Aug 24, 2018.
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The last step you need to take before petitioning the court is to read Form B2010. This notice gives a brief review of each type of bankruptcy, lists costs associated with filing and lists the debts that cannot be discharged with each type. As of 2018, the cost for Chapter 13 filing and administrative fees totaled $310 (not including attorney fees).
If you are considering using a debt relief or debt consolidation company, arm yourself with information. For a fee, they negotiate with your creditors on your behalf, resulting in lower balances or interest rates. Legitimate debt relief companies will obtain a written agreement from each one of your creditors, detailing the terms of the agreement, your obligations, and what will be reported to the credit bureaus. In some cases, if your balances are lowered the creditor might report bad debt or a charge-off, which will negatively impact your credit history and score. Also keep in mind that debt relief companies generally charge higher interest rates than your bank or mortgage lender, particularly if you have less than stellar credit. So you might not save much in the long run, especially once you factor in fees. It's up to you to do the math.
If you already have a good-to-excellent credit score and a low debt-to-income ratio, you may want to consider refinancing your student loans. When you refinance your loans, you take out a new credit-based private student loan and use the money to pay off some or all of your current loans. (The lender will generally send the money directly to your loan servicers.)
Most balance transfer offers are from the date you open your account, not the date you complete the transfer. It is in your interest to complete the balance transfer right away, so that you can benefit from the low interest rate as soon as possible. With most credit card companies, you will actually lose the promotional balance transfer offer if you do not complete the transfer within 60 or 90 days. Just get it done!
Negative records that you cannot successfully dispute will remain on your credit reports for roughly seven to 10 years. The best way to overcome such negatives is to add a pile of new positive information to your credit reports. Doing so dilutes the negative information and shows that you're really a responsible borrower who just made a few mistakes. We'll explain how to go about doing that in the steps below.
Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and can help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.
You cannot pay down your debt on your own and you continue falling further and further behind. "It makes sense to file bankruptcy when you can no longer keep up with your bills," said Leslie H. Tayne, a debt resolution attorney and founder of Tayne Law Group, based in Melville, N.Y. "If commercial creditors are breathing down your neck or if you are in danger of losing your home, it may then make sense to file bankruptcy."
As with any major debt management process, Chapter 13 bankruptcy has both positive and negative aspects to analyze before you proceed. One of the biggest pros for many debtors is that they can usually keep their nonexempt assets when filing a Chapter 13 bankruptcy. Nonexempt assets are generally defined as owned assets that are not necessary to maintain a home or job. These would be property such as a vacation home, a recreational vehicle (RV) or a boat.
I just purchased a home (284K debt) and have two small CC's (under 2K each) that I put at a high utilization after I purchased the home. Also, I took out a $5,500 loan from my credit union to help with some home improvement. I've been making my payments on time and paying more than the interest rates on the CC's. Aside from this debt, I have a car loan through my credit union that I have been paying on time for over a year and student loans.
Many homeowners are relieved to find out that they may be able to save a home that's in foreclosure by declaring Chapter 13. But at what point in the foreclosure process must you file before it's too late? As it turns out, you can file for bankruptcy protection well into the foreclosure process and still save your home, according to Florida attorney Ryan Albaugh.
Make no mistake: if you want help with your debt, you should get it. Don't let social stigma or ego get in the way—there are plenty of ways to get on the right track that go further than blog posts and stop short of putting you back in debt to someone else. Debt repayment and credit counseling programs can negotiate lower interest rates on your behalf, or help you do it yourself. They can help you with your budget, and help you plan a route out of debt that turns your credit into a tool you control, as opposed to a monster than controls you. If you need the help, get it—and definitely do that before you take out a loan. Photo by Media Bakery13 (Shutterstock).
The earlier you find out about a credit report or identity theft issue, the easier it is to solve. To ensure that you find out about issues in the future, consider signing up for a credit monitoring service. Some companies, like CreditKarma, offer free credit monitoring. Other companies offer daily three-bureau monitoring and resolution services. You can learn more about these options here.
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When the investigation is complete, the credit reporting company must give you the results in writing, too, and a free copy of your report if the dispute results in a change. If an item is changed or deleted, the credit reporting company cannot put the disputed information back in your file unless the information provider verifies that it's accurate and complete. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider. If you ask, the credit reporting company must send notices of any correction to anyone who got your report in the past six months. You also can ask that a corrected copy of your report be sent to anyone who got a copy during the past two years for employment purposes.
Veteran journalist/blogger Tom Jackson has worked for newspapers in Washington D.C., Sacramento, Calif., and Tampa, Fla., racking up state and national awards for writing, editing and design along the way. Tom also has been published in assorted sports magazines, and his work has been included in several annual "Best Sports Stories" collections. Most recently, his blogging for various websites on the 2016 election won a pair of top honors from the Florida Press Club. A University of Florida alumnus, St. Louis Cardinals fan and eager-if-haphazard golfer, Tom splits time between Tampa and Cashiers, N.C., with his wife of 40 years, college-age son, and Spencer, a yappy Shetland sheepdog.
Introducing your teenager to credit as soon as possible is a great way to get them prepared for all the future credit products they're bound to encounter in life. Practicing responsible credit behavior with a credit card or even as an authorized user can help your teen establish credit, which is necessary for taking out student loans, mortgages and other credit products. Plus, having a good credit score is key to getting the best rates and terms for credit products.
Make no mistake: if you want help with your debt, you should get it. Don't let social stigma or ego get in the way—there are plenty of ways to get on the right track that go further than blog posts and stop short of putting you back in debt to someone else. Debt repayment and credit counseling programs can negotiate lower interest rates on your behalf, or help you do it yourself. They can help you with your budget, and help you plan a route out of debt that turns your credit into a tool you control, as opposed to a monster than controls you. If you need the help, get it—and definitely do that before you take out a loan. Photo by Media Bakery13 (Shutterstock).
Checking your credit report on a periodic basis, at least annually, is a good way to catch any instances where you might be the target of identity theft – or the credit bureau has accidentally mixed up your history with someone of a similar (it happens more than you'd think). If you are concerned about others accessing your credit report without your permission, you can freeze it, which will limit who can access the information and under what circumstances. If you think you are a victim of identity theft, contact your local law enforcement authority immediately.
All U.S. consumers are entitled to see their credit reports. Typically, copies are requested from the "big three" credit reporting agencies (Equifax, TransUnion and Experian). After obtaining a copy, it's best to review the report. If you need to raise your credit score in 30 days, note any and all errors in the report. If errors are discovered, work to get them corrected as quickly as possible. A creditor may have erroneously reported late payments, or there may be outdated information on the report, like a defaulted loan that has since been paid in full.*
Although you may understand the concept of credit limits, few people take the time to examine their credit utilization—or the amount of debt owed vs. the total credit limit. An ideal credit score boasts a utilization ratio of 25 percent or less. If you have a $10,000 credit limit, you should never charge more than $2,500 at a time. The same goes for individual cards. For example, Margot has three credit cards with the following limits:
Now, let's take this a step further; one of the biggest misconception of this industry is that one's credit score and credit report are the same thing. The truth is, both concepts are gravely different. A credit report is a mere profile of your entire credit history – including all your positive and negative moments. This report is held and created by the three credit agencies, or bureau: Equifax, Experian, and Call Credit. It's here that lenders can discover if you've missed a payment, how many loans you have taken out, and even how reliable you are. On the other hand, a credit score is a number that derives on five different factors from your credit report, which leads us to our next significant section.
"Unlike a credit card exchange, where you swipe your card and get it back, you actually give away your cash when you spend it," says Joshua Schumm, a financial coach who owns Kansas Financial Coaching in Hutchinson, Kansas. Using cash "creates a loss-type feeling in your mind and makes you less likely to make impulse purchases." Schumm says that until he and his wife began using cash at the grocery store, they often missed their budget goal. "Now, with cash, we can't overspend it," he says.
The debt management companies will refrain from making payments and attempt to negotiate a settlement with the creditors on your behalf. In general, credit card companies will collect aggressively for the first 180 days. After 180 days, the debt is written off. Many banks will then sell that debt to collection agencies at a fraction of the face value. Collection agencies are usually willing to take a discounted settlement from the borrower, because they did not pay full price for the debt. These programs can take a couple of years to complete and the negative information stays on your credit report for seven years.
Once you resolve issues on your credit report, it's time to implement a strategy to start improving your credit score. The single best thing that you can do to improve your credit score is to pay current accounts on time and in full every single month. You can picture it as burying negative information under a mountain of positive credit information.
A single month afgter opeing, my scores went up 64/68 points, from the 598 range to 665 range. Keep a low balance or utilization rate of less than 30% (preferrably less than 10%). Studies show the sweet spot is 1-9%. Paying on time 100% of the time and knowing the date your card reports the balance to the credit bureaus is the key. Always pay by the due date and be below 30% (or 10%) on the reporting date. After as little as 6 months, but usually 12, they will convert your card to UNSECURED, likely with a limit increase and give you your original deposit back.
The deal is you get the prime rate for 3 years with no intro balance transfer fee. That's currently 4.75% variable, though your rate will change if the prime rate changes, either up or down, and you have 60 days to complete your transfer with no fee. After that, it's $10 or 3% of the amount of the transfer, whichever is greater. Also beware the prime rate deal isn't for new purchases, so only use this card for a balance transfer.
And many lenders won't give credit to people with a history of recently missed payments on other credit accounts (with "recently" translating to two years back). Missing enough payments that your account is turned over to a collection agency is another sure way to tank your score, not to mention limiting your access to affordable credit – or make it cost more than it should.
In general, you should try to keep credit card balances low. When you consolidate the cards you're consolidating will have much lower credit utilization ratios, but your overall ratio will remain the same. However, the lower interest rate you're paying during the introductory period means you can pay more toward your balance each month, helping lower your overall credit utilization more quickly.
With a basic understanding of how the credit industry functions and where your credit score comes from, it's time to begin exploring how to repair credit score fast. There are many different proven methods that millions of people have used for fast credit repair. Whether you have bad credit score or average credit score, the journey to repairing credit score all begins here: learning different tips and tricks. Without further ado, here are a list of the most powerful tips proven for fast credit repair:
Just because you have a poor credit history doesn't mean you can't get credit. Creditors set their own standards, and not all look at your credit history the same way. Some may look only at recent years to evaluate you for credit, and they may give you credit if your bill-paying history has improved. It may be worthwhile to contact creditors informally to discuss their credit standards.
Balance transfer deals can be hard to come by if your credit isn't great. But some banks are more open to it than others, and Aspire Credit Union is one of them, saying 'fair' or 'good' credit is needed for this card. Anyone can join Aspire, but if you're looking for a longer deal you also might want to check if you're pre-qualified for deals from other banks, without a hit to your credit score, using the list of options here.
A debt management plan is a formal plan to restructure and pay off your debt. A company will manage the plan and negotiate some cost reductions with your creditors, such as waived fees or a lower interest rate. You'll make a single payment to the plan manager, who will distribute the funds to your creditors. While you're in the program, you won't be able to use your credit cards or open new ones. The plan is designed to get you out of debt in three to five years, after which all of your accounts should be reported as paid-as-agreed.
Would you like to learn more about the best way to consolidate debt? Then look no further than American Consumer Credit Counseling (ACCC). We are a non-profit credit counseling agency with more than 22 years of experience. We have helped thousands of clients become free of their financial burdens by consolidating debts. Our outstanding commitment to customer service shows with our A+ rating and accreditation through the Better Business Bureau.
Companies that want you to lie about credit history or create a new credit identity can get you into legal trouble. Companies that provide "new" identifying information use stolen Social Security numbers, and if you use this number then you are committing fraud. Likewise using an Employee Identification Number or Credit Profile Number provided by these companies is a crime. Rather than committing fraud, take the steps below to improve credit on your own.


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