Friday, December 28, 2012

History Of Acne

Acne is an old but one of many of the most common skin problems, which tend to lead to "skin or acne breakouts can be" on the face, back, neck and arms quite often. The word "acne" is derived from the greek terminology, which means that the skin breakouts.
From the oldest, and the old, acne breakouts are considered a serious skin problem that can seriously affect the appearance of man. As a result, acne breakouts are now regarded as one of the most common skin problems, which continued even during the old days. Then, because there is no adequate understanding of the research, and also, alternatively, the acne disease is considered "contagious", that can be transmitted from person to person.

Historians trace the history of acne acne through three main historical monuments that is Egyptian civilizations, ancient Romans and Greeks.

Documents found that even the ancient pharaohs of Egypt made an effort to resolve the problem and attempts to apply a similar high. However, due to lack of technology and scientific studies, many stories and superstitious beliefs are related to the cause, symptoms and treatment of acne outbreaks.

The ancient Egyptians, for example, uses magic, spells and charms to drive. Similarly, the Egyptian people residing in the third century found that the problem of acne is caused because the lie. Food and beverages, in particular, have also been considered one of the main reasons for acne in the 14th century. For similar purposes, doctors and "Hakeem" the medication used to try to stop the suffering are the hot and spicy foods and strong drink. It was not until the other half of the twentieth century that substantial improvement has been made to treat the skin problem.

Historical information shows that in ancient Greece, Aristotle and Hippocrates spoke of the particular problem. The traditional Greek physicians knew tovoot acne likely identified a problem that Aristotle describes in sufficient detail so that there are doubts about the recognition. Hippocrates also makes use of the word but does not specify exactly what you want to say that although his phrasing means that a disease is well known and recognized.

Ancient Rome and acne was no note of the reports of the Romans by the use of "hot sitz baths, sulfur to reduce the real signs of acne. In fact, historians explain an interesting method to treat acne in the historic city of Rome. You can say that the ancient Roman civilization has guided acne as the initial treatment. In the Roman era (27 BC to 393 AD through-C.), he believed that the pores of the skin may be lifted and cleaned by a simple mixture of sulfur in the mineral baths. Because this form of purification decreased the amount of bacteria that cause acne, it was quite effective. Moreover, because the drying capacity of the oils that have blocked sulfur skin was dry. Although not a perfect remedy, mineral water and sulfur cure as a result of a progression of signs and symptoms of acne.

One would think that acne is a disease with an old history. Every so often different civilizations and organizations have used various methods to solve the problem. Because of modern developments in natural therapy, modern and safe anti-acne treatments and systems are now available not only effectively treat the problem, but also saves you a lot of money.

Monday, December 24, 2012

How To Find Bad Credit Mortgage Lenders

Bad credit mortgage lenders are in more demand than ever before, yet the there don't seem to be any mortgages available for the millions of people in America who want to buy a home with bad credit.

The Mortgage Lending Crunch

I get it. The economy tanked, wallstreet crumbled, jobs were lost for millions, and a lot of good people like me and you had to choose between paying loan bill on time or putting food on the table for our family. During these rocky times, many were humiliated and kicked out of their home, veritably shutting the door on the American dream of home ownership.

Things are still tough, but if you are one of the lucky few who learned from past financial misteps and have righted your financial situation back to a healthy one, you must be eager to take advantage of record low real estate prices and buy a home again to return to home owner status.

Eager and full of hope you, looking to finance a home you are running into a brick wall trying to find bad credit mortgage lenders for your dream home. Bad credit mortgage lending just ain't what it used to be...

Finding a mortgage lenders willing to work with bad credit people is almost impossible presently. As sub-prime borrowers there are relatively few loans available, and the banks that claim they offer bad credit mortgages are in actuality only loaning out money to 'less than good credit', but true a true bad credit history will be denied outright.

You may have a good paying capacity but the credit markets simply don't have the money to risk on higher risk bad credit loans.

Is All Hope Lost?

I wouldn't recommend giving up your search for a mortgage, so if you wish to tenaciously pursue a mortgage option, I would like to provide you some places to start.

First, begin your search with a mortgage broker who will look for a lender that is willing to offer their money in spite of your credit limitations as a borrower. Mortgage brokers typically will have a stable of lenders that they can shop your mortgage stats to in order to find a good fit.

Generally, as a middle man your mortgage broker will receive be paid a fee equal to a certain percentage of the loan amount. The benefits of using a mortgage broker to look for lenders is that they will do all the leg work for you, presenting your credit details in the hopes of finding a lending institution that can squeeze out an approval for you.

It is important to keep in mind that each mortgage broker can have different lenders that they work with, so just because one broker says they cannot get you a mortgage because of your bad credit, keep trying. Some brokers work with private lenders that can have unique approval requirements for the money they are lending.

Prepare ahead of time for the review that you encounter, as you will only save yourself time. Get yourself a copy of your credit reports from the three bureaus, bring them with you, and bring reference letters and additionally letters explaining the situation behind the bad credit occurrances that brought down your scores.

You do not want multiple banks and brokers pulling your credit over and over as it will only lower your scores further if you acquire too many credit inquiries in a short time. At this point in the game we need every leg up we can to get your mortgage approved.

Additionally, it would not be a bad thing to bring a budget list that indicates the money you receive monthly and your expenses. The stronger a financial picture you can paint, without stretching the truth, can help tip the scales in favor of a bad credit mortgage approval. As you can imagine convincing the pontential mortgage lender evidence of how you can pay the loan will not hurt.

Another option to get a bad credit mortgage lender to approve you is to offer a larger down payment more than the usual 3%, 10% or 20%. This is another mortgage strategy to show the lender the willingness and ability as a borrower to save and pay on your obligation. The increased equity acts as additional security for your loan protecting the mortgage lenders interest in the loan. As an added bonus you will reduce your monthly payments.

Understandably, not everyone has the ability to increase the down payment...

What to do if you cannot get a bad credit mortgage lender to approve your loan?

If you try time and again and feel you have exhausted all your options to get a bad credit mortgage, then it might be time to try creative mortgage alternative home buying strategies.

We have developed a quick guide to getting a mortgage with bad credit that outlines creative mortgage alternatives. Check out our guide on how to buy a house with bad credit to learn more about home buying alternatives to mortgage loans.

A brief run down of your options would be to pursue owner finances or private lenders. If the seller of a home owns the real estate outright, there is almost no end to the flexibility with which you can structure a purchase contract and agreement.

The idea, of course, is to create a win win solution that solves the home sellers need to sell and meets your inability to get a traditional mortgage financed.

The purchase can be arranged in a manner that the seller becomes the bank effectively providing a bad credit mortgage to you on his or her qualification standards whatever they may be. In many cases it could be determined by the steady look in your eye and a handshake.

Additionally, a sad result of the economic down turn is there are a number of desperate sellers that cannot meet the payments of their own mortgage and face foreclosure and eviction. In these cases it is often possible to create what is known as a 'subject to' home purchase.

Essentially, in lieu of your acquiring your own bad credit mortgage, you take over in a manner the mortgage of the current home occupant. It is an advanced home buying technique for bad credit people that your title company can help you structure.

The other option is to wait out the current economic slump and mortgage crunch. If one thing is certain, times, both good and bad are cyclical. With time mortgage lenders pockets will get flush with cash again and they will return to being desperate for borrowers with both good and bad credit. If you continue saving while you wait for their return, you will be more than capable of qualifying for whatever the more flexible bad credit mortgage lender requirements may be.

Which Mortgage Lenders Loan to Bad Credit

It's impossible to know which lenders will offer mortgages to bad credit people, but the following is a review of mortgage lenders most likely to based on what we know today.

Citigroup Mortgages
One of the well-known mortgage lenders is the American-based company Citigroup. This is the first company a borrower with a bad credit history will likely try. They provide adjustable and fixed rates. For a 15-year mortgage, they offer the lowest interest rates. Citigroup is found in 54 countries outside of America. In the past they have helped people with a bad credit borrow mortgage loans.

In the current climate people are using adjustable rate mortgages especially those who have bad debts and are looking for a little short term relief. After they pay off the debts, the idea is to switch to a fixed rate to lock in historically low rates. Quite frankly, with the tumultous financial health of America and the international community, I do not recommned any adjustable rate mortgages presently. The risk of sky rocketing interest is just too great in these unstable times.

Bank of America
Bank of America usually offers a number of subprime bad credit mortgages. Aside from providing home mortgages, they have had a spotty record of helping clients facing financial difficulties and have earned a reputation as a tough lender. Bank of America is the third largest bank in America at the time of this writing.

Wells Fargo
Another mortgage lender is Wells Fargo. They have existed since the stage coach days and they have over 1000 branches in America. As a mortgage lender, Wells Fargo offers a number of online tools that have empowered the borrower. They have a good record of embracing technology to stay with the times and provide you additional benefits as a customer. They also provide loans with a fixed rate and low interest specifically designed for people with a bad credit history. In the past they have offered mortgage loan packages that allow borrowers to purchase a house and to make home improvements at the same time if they want to undergo renovation as simultaneous with their purchase.

Other mortgage lenders include Allied Home Mortgage Capital Corporation, Countrywide Home Loans, Inc., First Magnus Financial Corporation, GMAC Mortgage LLC, Primary Residential Mortgage, Inc., Bank of America Na Charlotte, Ark-la-tex Financial Services LLC, Premiere Mortgage Funding, Inc., First Horizon Home Loan Corporation and American Home Mortgage Corporation, each with their own benefits and negatives.

For further information check out our guide on how to get a mortgage approved with bad credit.

Undoubtedly, with bad credit you must expect any mortgage approvals to have a higher interest rate and service fees. They will also impose additional charges for late payments.

The bad credit mortgage lenders may be scarce today, but the time will come when they will return, and we will be sure to update our site with the mortgage offers as soon as they hit the market.

Saturday, December 22, 2012

Budgeting New Kitchen

For the practical person, a budget for a new kitchen is a must. As you research what you want and how much it will cost you'll find you can go cheap or expensive and all the way in between. If you're planning on keeping your home for any length of time or selling is within a couple of years that should enter into the equation as well.

Cheap will never help sell your home, and expensive may have the same results. A happy medium may work and one where the basics will win in the long run. So consider what you like, and then look around at model homes, magazines and see what is popular today. A black kitchen with black appliances may appeal to you, but a buyer may not like it at all. The same goes for any off the wall colors, so keep the colors simple and let your new kitchen do the selling.

As you set up your budget realize that many things help to take the costs higher than you budgeted. For instance check out the kitchen faucets. The cheap ones offer no modern features so set them aside and go for quality rather than unusual. The type of wood you choose will figure greatly in the end results.

Real solid wood is rarely used in kitchens today. Many companies use veneers that look and feel solid. If they do the job properly, you can hardly tell the difference, and with a little care the cupboards will last for many years.

Sinks are another area where cheap doesn't work and quality can be both reasonable and workable without the high cost. The difference in the price range varies wildly but you'll want something that will last and keep its luster.

There are wide gaps in the price of door handles and there again go for quality not price. You won't want to replace them anytime soon. Some cabinets have finger pulls, so you don't even need the handles.

Countertops in the mid price range can be beautiful, and you don't really need marble do you? Many do, and that will be your greatest budget crasher. Just remember you get what you pay for so choose accordingly.

The contractor you choose to do the job will be another factor. Ask for more than one quote, and ask to see their references. Make sure they are licensed, insured and bonded. They should have a place of business and not work out of their garage. Never pay a contractor in full, but pay a reasonable down payment with payments during the job and the final when you are satisfied with their work.

Thursday, December 20, 2012

Gorilla Ladder - For All Your Home Fixing Needs

Gorilla ladder is a company that manufactures a complete line of climbing equipment items. Gorilla ladders are available at home depot and other home improvement stores. They create awesome multi-position ladders that fold into 28 unique and incredible positions. Owning a gorilla ladder is one of the best investments a homeowner could ever make.

Since a gorilla ladder can be easily transitioned from one position the next you can utilize it in several settings. It can be used as extension ladders if you want to repaint your roof or do any housework outside of your house. You can also use it as a step ladder if you want to paint your walls and ceiling. At the same time, they can also be used as an A-frame and a scaffold.

They also have ladders that serve as hunter stands. These are specialty ladders that both hunters and photographers could use as they go about their work.

The best thing about gorilla ladders is that you avail a multitude of functions that is offered at a lower price. The prices range from -0. It is a very small amount to pay for functionality, comfort, durability, quality and security.

These products are heavy-duty, strong and have durable locking hinge systems. The patented static hinge or locking system of Gorilla allows it to securely hold the ladder in place whatever position it is configured.

These ladders are made of the following materials:

As mentioned above, these products can be folded into 28 different positions and there are 6 different height options. You are at liberty to adjust the configuration. Other features of gorilla ladders include:

Slip-resistant steps and slip resistant feed
These welded steps are sturdier and more durable than those of a one-size folding ladder

Extra wide flared base
The wide base and oversized feet adds to the stability of the ladder. This gives the users a sense of security and comfort.

Lifetime limited warranty
Aside from the product features stated above, Gorilla also offers a plethora of accessories that you can buy from their website or from the closest home improvement stores. These accessories include platforms, tool holders, trays, static hinge kits, ladder stabilizers and more.

The product does not only focus on comfort but primarily on the safety of their users. With traditional ladders, you are limited by their standard upright positions. So which one would you choose?

Ladders need not be flimsy and hard to use when you are engaging in some of those odd jobs and other special situations that require you to reach higher. A gorilla ladder allows you to do several things with just one tool. It's probably the best multi-position ladder that you could have as it offers not just 1 but 28 different positions or configurations.

They can be used not just by homeowners or DIY individuals, but basically by all people who engages in all forms of house or building work.

With all the benefits that Gorilla offers, what more could you ask for?

Sunday, December 16, 2012

Home Improvement Loans For Making Home A Valuable Asset

After your home has served you for long, it now require some improvements including repair works. This makes home improvement loans inevitable as variety of works may demand huge amounts. Home improvement loans are one of the easiest loans to avail and even bad credit people are approved the loan. Through home improvement loans, value and equity of your home increases substantially which benefits in many ways.

For availing home improvement loans you are required to offer the very home or any valuable property as collateral with the lender. This automatically implies that your home is at stake and you may even loose it to the lender if he decides to sell it for recovering loan in case of payment default. So make sure that you are in a good position to repay home improvement loans installments regularly and then only make the deal. Remember you may be using the entire loan amount in home improvements and so nothing much will be left for repaying the loan. This is one reason most lenders want to know about your present income and credit history also.

Under home improvement loans you are approved 5000 to 75000. The advantage of home improvement loans is that they are approved at lower interest rate and for larger repayment duration which lessens the loan burden. You are at ease in repaying home improvement loans as lender give you 5 to 30 years of the duration to choose from. Are you tagged bad credit? Since your home secures the loan, lenders can afford to ignore your bad credit in lending money. But check your credit score before applying to a lender. Take a copy of your credit report from a reputed credit rating agency and check it for errors. Compare various home improvement loans providers for individual interest rate and apply online to suitable lender.

Thursday, December 13, 2012

Management Report For Woolworths Uk

Woolworths was a company that was started in the year 1879 in the City of New York. Its founder Frank Woolworth was interested in offering a one stop shop for a wide range of commodities at an affordable price. He transferred this same concept to the United Kingdom thirty years after establishing the same stores in the United States. He was well received in Liverpool with enthusiastic shoppers thronging the premises.

However, the retail chain store industry has undergone numerous dynamics and Woolworths seems to be a victim of these circumstances. The report shall highlight some of the internal and external challenges that have affected the company. Additionally, an analysis of the company will be done with reference to the theme of globalisation and recommendations for improvement given as a result.

Description and analysis of the internal and external factor to which Woolworths UK is subject

1) Internal factors
Woolworths is affected by some human resource based issues plaguing the retail industry. For instance, some clients have asserted that before purchasing items in any retail store, they usually consider behaviours of the store's employees. Woolworths has received numerous reviews about this aspect. Consumer surveys have indicated that a half of retail purchasers are happy with Woolworth's consumer service while the other halves have asserted that their employees are rude. Consequently, the company has to work on the latter percentage. (Hammer and Champy, 1993)

Marketing strategies are crucial in running any business. For companies to dwell in the retail sector today, they need to portray a clear theme in their advertisement and marketing strategies. Woolworths' marketing manager asserts that the company's marketing strategy is largely centred on three major categories and these are;

These three themes are what make Woolworths stand out. However, other critics assert that Woolworths is severely lacking in this area. They claim that while other retail chain stores are distinct and stand out depending on specific themes; Woolworths has nothing special that makes it unique. Consequently, this is a marketing or branding issue that will affect future decisions made by Woolworths.

Demand determinants are also instrumental in determining how Woolworths performs in the UK market. There are a number of things that UK consumers look for when shopping in retail chain stores and some of them include
Quality of items
Brand recognition (Chopra and Meindl, 2000)

When one talks about convenience, they are referring to the ease of reach with which one can find commodities in retail stores. This is usually depicted by the manner of arrangement. When commodities are arranged haphazardly, then customers may not be enticed to come back there. Woolworths seems to have failed in this regard because many consumers complain of its haphazard nature. For instance, when one steps into a Woolworth store, they are likely to find children's costumes placed together with table mats and the table mats may be placed alongside video games or other kinds of things. Consequently, it can be argued that Woolworth's sense of appeal in terms of convenience is quite wanting. However, it can also be argued that this haphazard arrangement is what contributes to Woolworth's uniqueness. This is because it is kind of a spur of the moment' alternative rather than a distinct kind of arrangement. (Price Waterhouse, 1995)

On the other hand, convenience can also be assessed through a stores location, when stores are located in busy streets or in accessible places, then demand for one's items may increase. Woolworths may receive a plus for this aspect because their stores are conveniently located and one does not have to look for parking to get into their stores.

Brand recognition and quality of items are an important demand determinant. Once a company fails to deliver in terms of these parameters then there is fertile ground for failure. Woolworths have been praised by some consumers for their high quality items. However, there are still other buyers who have not been satisfied with their commodities claiming that they are a jack of all trades but a master of none.

Lastly, demand for commodities in this industry is affected by the price of its commodities. In analysing whether Woolworths is doing well, it is essential to look at what other companies in the industry are doing. Most of the commodities offered by Woolworths are sold by other competitors such as Asda and Tesco at cheaper prices. This means that Woolworth's decisions need to be changed to respond to these challenges.

2) External factors
One of the major external factors affecting Woolworths is closely associated to its operating aspect. The retail chain industry is quite a huge industry since the numbers of stores located in the UK are numerous and this means increased competition for Woolworths. Additionally, the industry is not export oriented. Most products are sourced from outside and then bought into the region thus making players here to become susceptible to international forces that may sometimes be difficult to predict.

It is also interesting to note the fact that the retail chain industry is slowly being outcompeted by supermarkets. Times have changed over the past few years and the sale of non household items within the retail industry is no longer a reserve for companies such as Woolworths alone. Supermarkets which were once associated with the sale of food alone now offer almost all household items under one room. This increased competition from other categories of business has affected the overall productivity and performance of the company. (Porter, 1985)

Market size is an important factor that affects the any kind of business. This is largely because the rate of growth of the market largely reflects the amount of consumers available to purchase one's time. Statistics indicate that the UK retail chain sector is slowly reaching saturated levels. There are stores for almost every type of product under the sun. For instance, when one is looking for old suits then they may choose the option of going for Argos, when they require music CDs, then they have the option of going to Zavvi. Consequently, Woolworths is placed at a position where they are competing for a stagnating market i.e. one that is growing at very low rates yet the number of industry players is on the rise.

Other external factors affecting Woolworth's decision making processes are also linked to the way they go about making their personal decisions. For instance, the issue of taxation is quite important in determining whether Woolworths succeeds or not. Since it depends on exports for most of their commodities, then the company is affected adversely by international tariffs in trade. However, it should be noted that the retail chain store sector is not highly regulated by the UK government and this is a plus on the part of Woolworths.

1) How globalisation influences policies and decision making at Woolworths UK
Enterprises and corporations alike are highly influenced by the concept of globalisation and Woolworths is not an exception. Before critically analysing this issue, it is essential to clarify its meaning; globalisation is defined as the increased level of contact between a certain entity and the rest of the world, through globalisation, mutual understandings, personal friendships and world citizenry is created. However, in terms of business entities, globalisation may not be a positive. This is largely because it causes increased competition which may be difficult to out manoeuvre especially when one lacks the capacity for change.

Woolworths UK was a brainchild of the US based subsidiary. Consequently, it had transferred knowledge and business structures from that part of the world to the United Kingdom. This meant that the company ought to have created a local solution to the local UK environment. Local marketing appeal for international companies such as Woolworths is crucial in succeeding in their market. This can only be done by incorporating all the external and internal factors. The United Kingdom was not the original company base for Woolworths; consequently, they needed to look for ways in which they could adopt to the local culture in the UK.

The UK consumer culture has changed dramatically over the past few years. This is as a result of increased levels of exposure brought on by information technology. Consequently, consumers are well aware of their rights and they also know where to find cheap bargains. This is actually the reason why Woolworths has not been performing very well; most consumers want a retail store with preset themes or one with cheap products.

Since so many other retail stores are available, then Woolworths has been pushed to the periphery in light of this competition. It should be noted that globalisation has played a large role in promoting this information driven consumer culture. Through interaction with other parts of the world, the UK's technological status has dramatically improved. People can get important retail information at the touch of a button and this makes them very choosy. In other words, globalisation has boosted information technology which has heightened consumer awareness and thus diminished demand for Woolworths' products which do not represent the best value for money.

Globalisation has highly affected shopping behaviour among a series of consumers owing to the fact that it has promoted more job opportunities. Many UK consumers are constantly moving form country to country while conducting business, getting educated or working for a certain multinational. This therefore means that globalisation has created situations in which the UK consumer has very little time in his or her hands. People are now working for more hours and most of them have very little spare time for themselves. What this means for Woolworths is consumers also have little time to spend in their retail outlets. When going for shopping, buyers may be interested in spending as little time as possible in such outlets so that thy can get back to their busy schedules. Decision making in Woolworths must be such that it centres on meeting this need to save time when purchasing. (Kubeck, 1995)

Globalisation highly affects the productivity levels at Woolworths through its supply section. This is because now Woolworths and other retail chain stores have a wider supply base to choose from. They can source their commodities at a cheaper price from other countries of the world or they can locate high quality goods from suppliers in continents. Depending on how Woolworths reacts to this, global supply sourcing can either be a positive or a negative. It can be positive when good suppliers are chosen. However, it can be negative when Woolworths has been outcompeted by other retails who manage to get cheaper goods at lower prices.

Globalisation has also raised the level of competition among various industry players in the retail chain store sector. This is because globalisation favours growth of multinationals. The UK is plagued with a series of multinationals such as Tesco, Wal-Mart, Asda and many more. These multinationals create greater competition because of their diffused processes and also because of greater network structures, greater flows of information and hence greater productivity.

Lastly, globalisation has created fertile ground for outsourcing of jobs. The new buzz word was largely associated with the manufacturing sector where most businesses chose to outsource their manufacturing function to Asian based countries such as China and Taiwan. The retail sector is also involved in this buzz word because a number of their suppliers come from the Asian continent. They have chosen to outsource this aspect to other parts of the world so as to promote their level of competitiveness.

2) Critical evaluation of the effectiveness of the organisation's response
Globalisation has promoted greater adoption of information technology and thus a more informed consumer. This kind of consumer is less loyal to particular brand unless that brand offers good quality or value for money. Woolworths has also been slow in responding to this aspect of globalisation. Since the consumer is more informed, the company should have worked on their prices and it should also have taken the time to check the quality of their commodities so that they can increase their client base. Woolworths still has a long way to go in handling these challenges.

It can be argued that Woolworths has not responded as strongly as it should to forces of globalisation. As it has been asserted earlier, many consumers are now engaging in more work and have less time to shop. Consequently, Woolworth's store formats should have been changed to meet this need. Compared to other retail outlets in the United Kingdom, Woolworth is yet to catch up with the rest in terms of in-store organisation. More often than not, consumers may not be able to find what they are looking for in a Woolworths store unless assisted by one of the employees. Consequently, this takes a lot of time and may prompt some of them to choose other stores. (Scheer, 1999)

In terms of sourcing for suppliers from other parts of the world, it is imperative for Woolworths to awaken to the possibility that other retail chain stores in the UK are doing much better than they are. This is largely as a result of the lower prices that some of their commodities are grouping for and also because of a result of greater investment in dependant supplier who offer high quality.

Woolworths may have been overwhelmed by the increased competition facing the retail chain industry from multinationals. Globalisation has created sound operating structures for facilitating better productivity and this has given greater precedence to these large multinationals. Woolworths is supposed to be competing with the multinationals by offering products or services that whether they meet or exceed the offerings in these multinationals. However, Woolworths has not responded as quickly and assertively as it should. The company therefore needs to look for other ways in which they can promote this development through sound service delivery. (Sterman, 2000)

Woolworths has responded to the need to outsource by getting some of their goods from the Asian continent. However, compared to their competitors, this company still has along way to go in terms of being at per with its competitors. Most of the time, the company relies on European based manufacturers for their commodities or their in store brands.

Conclusion - Areas for improvement in the response of the organisation
Globalisation is eminent in almost all spheres of the UK economy. Consequently, companies that fail to react swiftly to this phenomenon are bound to be left behind. Woolworths has debts of three hundred and eighty five million pounds as of mid 2008. This poor performance is further illustrated by the figure below depicts its performance over the past few months. Its shares have been on the decline.

Source; (Eriksson and Penker, 2000)

In order to boost its performance in the global arena, then Woolworths needs to change a number of things. First of all, the company needs to respond to the need to save time this can be done by more orderly arrangements of their commodities in their stores. Secondly, the company needs to take greater care in terms of sourcing better quality items. Consequently, the company will do much better in the retail industry by placing greater precedence on this matter. (Eriksson and Penker, 2000)

On top of the latter, there should be greater emphasis on the adoption of information technology especially with regard to the use online sales. Also, they need to embrace the fact that their brand is barely recognised among future market segments. The company has to work on adding value to their name and making their services easily recognised.

Hammer, M. and Champy, P. (1993): Reengineering the Corporation - A Manifesto for Business Revolution; Harper Business Book
Porter, M. (1985): Competitive Advantage - Creating and Sustaining Superior Performance; Free Press
Price Waterhouse (1995): Change Integration Team - Best Practices for Transforming Your Organization; Irwin
Scheer, A. (1999): ARIS - Business Process Frameworks; Springer
Sterman, J. (2000): Business Dynamics: Systems Thinking and Modelling for a Complex World; McGraw-Hill
Kubeck, L. (1995): Techniques for Business Process Redesign - Tying It All Together; Wiley-QED Publication
Chopra, S. and Meindl, P. (2000): Supply Chain Management - Strategy, Planning and Operations; Prentice Hall College Division
Eriksson, H. and Penker. H. (2000): Business Modelling with UML - Business Patterns that Work; Wiley

Monday, December 10, 2012

Facts And Analysis On Vemma Next For Kids

Malnutrition is rampantly growing. It is a major problem especially in third-world countries. It happens when the body is not getting the recommended amount of nutrients. Inadequate or unbalanced diet, problems with digestion and some other medical conditions are the most common cause of it. It is vital to know that all ages can suffer from it. All the same, it is common in poor countries, which have inadequate access to healthy food and clean water. Based on statistics 70% of children with protein-energy malnutrition are residing in Asia, 26% in Africa, and 4% in Latin America.

Improvement of sanitation and hygiene, education on health and sufficient access to healthy foods are some of the things needed to be done to improve the nutritional health.

As answer to the increasing malnutrition problem, Vemma has come up with a remarkable line of nutritional beverages featuring Mangosteen fruit, a superfruit with antioxidant properties. Vemma is a successful and notable network marketing company.Also, VEMMA's mangosteen juice is fortified with 12 vitamins, aloe Vera, green tea and essential minerals. In line with that, the actual name of the company, which is VEMMA, stands for vitamins, essential minerals, mangosteen and aloe. If you want your kids to stay healthy and strong and you wish to try Vemma Next here are a couple of important things you ought to know about Vemma Next for kids.

Who Can Safely Take Vemma Next?
If you are a parent, you are concern with your child's health and safety. Do not worry if you are thinking if this drink is safe for your kid. This amazing drink is ideal for children age two to twelve. Millions of children all over the world have poor eating habits, according to one research. The result is very drastic. The general health of the child can is affected if the child has an unbalanced nutrition. Giving Vemma NEXT to your kid will make your mind at ease, knowing that your kid getting the full spectrum of vitamins, antioxidants and over 65 plant-sourced minerals.

Why Vemma Next?
This particular Vemma product contains a full ounce of the Vemma formula together with an improved nutrient blend. Also, it has the creamy orange flavor that the kids would definitely would love. It is completely natural with no preservatives, artificial colors, flavoring, or sweeteners added. Furthermore, to improve your child's overall health, this drink contains antioxidants and sufficient nutrients that enhance the body's immune system. Remarkably, your child will get all the nutrients that he or she needed to keep healthy and strong for just taking 2 ounces a day.

Nutritional Value Of Vemma
In addition to its zesty and creamy orange flavor, Vemma has antioxidants and the following vitamins that can boost the body's immune response.

Vitamin C It is mostly found in citrus fruits like orange and lemon. Other good sources of vitamin C are green leafy vegetables. Inadequte or lacking of this vitamin can lead to scurvy, a formation of brown spots on skin. Bleeding from mucous membranes can also be evident.

Vitamin D Salmon, milk, tuna, eggs, liver and beef are some of the sample of foods that are rich in kind of vitamin. Experts recommend exposing the child in early sunlight because it is also a good source of Vitamin D. This particular vitamin also prevents the occurrence of obesity, osteoporosis, depression and certain types of cancer.
Beta carotene Sweet potatoes and carrots are good sources of beta carotene. Heart disease and cancer are being prevented through this essential nutrient.

Vemma Next specifically targets kids. It helps improve the overall health of kids especially those who have unhealthy eating habits. If you want your child to grow and develop well, consider giving your kids Vemma Next instead of carbonated drinks and junk foods.

Vemma includes the benefit of being a very nutritious formula that is accompanied by a very delicious taste. Click on the links and discover about vemma today.
ext For Kids Product Reviews And Information

Malnutrition is rampantly growing. It is a major problem especially in third-world countries. It happens when the body is not getting the recommended amount of nutrients. Inadequate or unbalanced diet, problems with digestion and some other medical conditions are the most common cause of it. It is vital to know that all ages can suffer from it. All the same, it is common in poor countries, which does not have enough access to healthy food and clean water. Based on statistics 70% of children with protein-energy malnutrition are residing in Asia, 26% in Africa, and 4% in Latin America.

To improve the nutritional health, there are several interventions to be done which include improvement of sanitation and hygiene, education on health and sufficient access to healthy food.
Vemma has come up with the remarkable beverage products which are truly nutritional featuring a superfruit with antioxidant properties which is the Mangosteen fruit. Vemma is a successful and a reliable network marketing company. In addition, VEMMA's mangosteen juice is fortified with 12 vitamins, aloe Vera, green tea and essential minerals. Having said that, VEMMA is an acronym which stands for Vitamins Essential Minerals Mangosteen Aloe. If you want your kids to stay healthy and strong and you wish to try Vemma Next here are a couple of important things you ought to know about Vemma Next for kids.

Is Vemma Next Safe To Children?
If you are a parent, you are concern with your child's health and safety. If you are afraid that this drink will harm your kid, do not fret. This drink is specially formulated for children from 2years of age until 12. According to one research, millions of children across the globe have poor eating habits. Often the result is dramatic. Unbalanced nutrition can greatly affect the general development of the child. Giving Vemma NEXT to your kid will make your mind at ease, knowing that your kid getting the full spectrum of vitamins, antioxidants and over 65 plant-sourced minerals.

Why Vemma Next?
This particular Vemma product contains a full ounce of the Vemma formula together with an improved nutrient blend. Also, it has the creamy orange flavor that the kids would definitely would love. It is completely natural with no preservatives, artificial colors, flavoring, or sweeteners added. Furthermore, to improve your child's overall health, this drink contains antioxidants and sufficient nutrients that enhance the body's immune system. Remarkably, your child will get all the nutrients that he or she needed to keep healthy and strong for just taking 2 ounces a day.

Nutritional Value Of Vemma
In addition to its zesty and creamy orange flavour, Vemma contains antioxidants and the following vitamins that can boost the body's immune response.

Vitamin C It is commonly found in citrus fruits such as orange and lemon. Other good sources of vitamin C are green leafy vegetables. Inadequte or lacking of this vitamin can lead to scurvy, a formation of brown spots on skin. Bleeding from mucous membranes can also be evident.

Vitamin D Salmon, milk, tuna, eggs, liver and beef are some of the sample of foods that are rich in kind of vitamin. Experts recommend exposing the child in early sunlight because it is also a good source of Vitamin D. This particular vitamin also prevents the occurrence of obesity, osteoporosis, depression and certain types of cancer.
Beta carotene Good sources of beta carotene are sweet potatoes and carrots. Heart disease and cancer are being prevented through this essential nutrient.

Vemma Next is specially formulated for kids. It aids improve the general health of kids especially those who have unhealthy eating habits. If you want your child to have a healthy and normal development, instead of giving your child carbonated drinks and junk foods, give him or her Vemma Next.

Saturday, December 8, 2012

Choose From An Extensive Range Of Shower Kits To Remodel Your Bathroom

Showers are an integral part of your bathroom. As well as making your showering experience enjoyable and comfortable, they serve as the nicest looking part of your bathroom. A beautiful shower adds volumes to the bathroom dcor and allows the owner to impress his friends and guests with his superior sense of home decoration.

If you wish to remodel your bathroom, buy shower kits. Available in an extensive range, the shower kits offer brilliant home improvement results. Shower kits are basically the kits that include all the components you need to construct your shower. They include handles, knobs, faucets, and other shower parts. With little knowledge and skill, you can install the shower on your own. You may even hire a professional bathroom remodelling contractor to fix and install the shower in your bathroom.

There are many types of shower kits to choose from. For example, you can go for a corner shower kit. A corner shower kit is ideal for those who have a shower in the corner. Then there is a shower enclosure kit which contains a frameless and enclosed shower, shower screen, shower tray, shower doors, and panels, and other such items. Shower stall kit comes with a nice looking frameless shower design, and shower surrounds. You also have shower kits for over the tub showers, bath tub showers, and shower kits for showers without tubs. You can buy a shower curtain or a shower door to add an altogether different look to your bathroom.

Although, shower kits are available at local home improvement stores, it is advisable to buy shower kits online. The Internet is flooded with websites offering shower kits in several designs and styles. Browse through the net and you would definitely find the shower kits and other bathroom accessories that match your home improvement needs and requirements, and off course your budget.

If you wish to buy a high quality shower kit online to enjoy the best home remodelling results, you may visit It is the largest supplier of shower kits, shower accessories, shower enclosure kits, shower curtains, shower Tidys, shower seats and bath seats, power showers, shower pumps, electric showers, shower towers, and many other bathroom accessories in the UK. Here you would get the finest quality shower kits at the best possible rates.

Just visit the site and buy the shower kit today!

Thursday, November 29, 2012

Energy Efficient Home First, Residential Solar Second

Why Energy Efficiency Must Come First!

Recently I wrote about residential solar energy at home. I received a great comment from one of our viewers about the importance of home energy efficiency before investing in solar. What a great point to make!

The easy fix to home energy savings is not just to go out and slap some solar panels all over your roof and expect to eliminate your utility bills. Think about it, if your current home energy consumption exceeds an energy efficient rate, then energy from a residential solar power system will not be able to meet your needs.

Look at it this way:

Energy Consumption > Solar Energy Production = Big Investment Mistake

The best investment you can make early on in your home energy savings quest, is to take some small steps with do-it-yourself home improvement projects.

There is no better way to understanding exactly waht solar energy will cost you and how to take the steps necessary to making your home more energy efficient than through and e-course called Free Energy Made Easy.

Why don't you have wind or solar power at home yet? Is it because you think its too expensive?

If you've tried to price any "stand-alone" systems, you know what I'm talking about. Wind and solar power systems cost 00 and the price just rises from there. Free Energy Made Easy hands you the information you need to get the same results but for a tiny fraction of the price.

Besides learning the ins and outs of solar energy at home, Understanding Home Energy
is a must. Once you know just how home and wher your home uses it's energy, saving it will be a whole lot easier. Conducting a home nergy Audit
is an easy to do diy home improvement project.

As mentioned in a previouse post one of the other ways of making your home more energy efficient is through Air Sealing
your home. A properal air sealed home creates a thermal envelope which effectively conceals and distributes the heat in your home. Some of of the locations that need to be considered air sealing include the attic, the basement, and outside walls. Older homes especially need to be looked over and air sealed properly.

No matter what your home energy saving goals are, do not make a drastic decision to go forward with a huge investment in solar or wind energy without know your home first.

Tuesday, November 27, 2012

Don't Mess With Liberty Safes Featuring Monster Mech

Some Liberty safes have a new feature called a Monster Mech, which Liberty label's a A Thief's worst nightmare. This made me wonder, what is Monster Mech and how does it work? Who would want one and why? Since we are in the market for a new safe, I decided to find out, because by answering these questions I could see if this feature is important for me to have in a safe.

The primary way that that a safe is secured is through bolts, and thieves know that if they can force the bolts to move inward, they can open the safe. This is often accomplished through bashing the side of the safe where the bolts are located and by prying at the door. If an experienced thief has a little time and a location where noise doesn't matter, he can break into many traditional home and gun safes

Liberty safes Monster Mech offers increased security in a couple of different ways. Just one way is through the bolts themselves. The bolts are larger, they both extend further and are fatter than traditional safe bolts, plus the Liberty safes with Monster Mech simply have more bolts. These improvements make the safe ten times stronger than other safes.

Another neat thing about the Monster Mech is how the locking mechanism works. The best way to look at this is to consider the following. Even with the locks disengaged, the over center cam technology can take the toughest blows without any pressure on the lock. On a standard safe without this technology, you can push a bolt in with just your finger if the lock is disengaged.

A concern some safe owners have it torqing the handle when they are opening and closing the safe. Liberty safes with Monster Mech come with a sure tight handle with slip clutch innovation. The way this works is similar to a ratchet wrench.

So those are the basics of Monster Mech and how it works. So, who would want one? I would say anyone who has any valuables that they want to protect. If you are a collector of such items as coins, stamps, baseball cards, etc. and are known to have a fairly large collection, this would be an important feature to consider. If you have expensive jewelry or smaller antiques, this extra security could be important, or if you keep a large amount of cash at home. Another consideration could be where you live. If crime is a problem, then Liberty safes with the Monster Mech may be an ideal option.

Liberty safes stand by their products, and they have thousands of happy customers. They had one customer who purchased a safe with the new GX-480 Monster Mech installed. It was only a few weeks later that thieves tried to break into their safe. After five hours, they gave up. The tools they used included: 4 pry bars, 3 crowbars, 1 pick ax, 1 sledge hammer, 1 hatchet, 1 hammer drill, 1 punch, and 1 electric saw. This example alone shows how tough these safes are with this great locking mechanism!

As Liberty safes likes to say, "It's bigger, it's stronger, it's meaner, it's the Monster Mech". These safes are tough, so if you need the extra protection, due to the items you need to protect or concerns about potential burglary, then one of these Liberty safes may be the best option for you.

Sunday, November 25, 2012

Backyard Ice Skating Rinks

While winter days might be cold and snow might be on the ground, that's certainly no reason to stay indoors. In fact, winter is a great time for enjoying a wide variety of outdoor activities that offer great fun and exercise. One of the most popular outdoor winter activities has long been, and continues to be, ice skating. Fun for both children and adults, ice skating outdoors is bound to give you rosy cheeks and to put a smile on your face. While there may not be an outdoor public ice rink in your area nor a suitable and safe frozen body of water to skate on, that doesn't mean that you can't enjoy the fun and excitement of ice skating in the winter. By building a backyard ice skating rink, you can bring the thrills of ice skating right to your home.

Whether you are a child, teenager or adult and whether you are a beginning skater or a skating pro, you can get plenty of use out of a backyard ice rink. From hockey and broom ball to figure skating and simply skating for leisure, there are many different sports and activities that can take place on backyard ice skating rinks. For kids, backyard ice rinks are a place to gather with friends and neighborhood children for hours and hours of fun that will keep them occupied and healthy. With the potential for so many activities and so much fun, it's not surprising that ice rinks are a popular addition to just about any backyard during the winter months.

While building an ice rink in your backyard could potentially take a significant amount of time and effort and could cause plenty of headaches, it doesn't have to be that way. With the help of a backyard rink kit, you can get skating much faster and with far less effort and trouble. These kits come with everything you need to set up a great rink. In addition, kits for building backyard ice rinks will contain the water in the event of rainfall or a thaw, preventing your yard from becoming flooded. Also, by using all the components contained in one of these kits, you will protect your grass against damage and extend your outdoor skating season.

If you decide to take advantage of the many benefits offered by backyard rink kits, there are great options available. For example, the Farley Ice N Go backyard ice rink is an excellent choice, no matter what size of yard you have. These Ice N Go backyard rinks are available in a number of different models and are adaptable to your lot size. The components of Farley Ice N Go backyard rinks are constructed from heavy-duty materials, providing you with excellent strength and durability so they will last for years to come. These rinks also include a five-year warranty against damage from UV rays. With a durable lining, flexible PVC tubing, hockey lines and a liner repair kit, Ice N Go backyard ice rinks come with all the necessary components for installing a rink that will be the envy of your neighborhood.

Another great option is the NiceRink backyard ice skating rink. Available in different sizes at different prices, there are kits for every yard and every budget. NiceRink backyard rink kits include a durable liner and a complete set of patented support brackets. These brackets greatly reduce installation time and also allow for the rink to be built on a sloping surface up to 10 inches. NiceRink starter kits also come with patch tape as well as underwater glue to help with any necessary repairs.

With the help of a backyard ice skating rink starter kit, set up will be a breeze. Not only will you have everything you need in one package, you will also have an easy-to-follow step-by-step instruction guide to make the process go even more smoothly. In fact, the Farley Ice N Go starter kits even come with an instruction video. When installation is easy and hassle-free, you can save plenty of time and you and your family can start skating sooner.

While many families and kids dream of having a skating rink right in their own backyard, you may be concerned that ice rink starter kits are too expensive to seriously consider. However, that is not necessarily the case, as many budget-friendly options are available. For example, the Ice N Go backyard ice rink starter kits and the NiceRink starter kits are available at discount prices from respected online retailers such as Offering low prices, quality customer service and great products, leading online retailers are a great source for everything you need to enjoy outdoor winter fun. So whether you're into jumps and spins or scoring hat tricks, a backyard ice skating rink will bring you endless fun and enjoyment during the cold winter months.

Thursday, November 22, 2012

Applying Six Sigma To Improve Diagnostic Imaging

The healthcare industry is ripe with opportunities for Six Sigma methodologies to be applied. Quality medical attention is a worldwide concern, and as more countries look for ways to improve and streamline their healthcare systems, the Six Sigma approach to effective management is being adopted in several hospitals, clinics, medical offices, and diagnostic centers. If there is any way to make medical care more available, then it is a good idea.

Healthcare centers and institutions that have operated under the ideas of Total Quality Management and Quality Control for many years are starting to look toward Six Sigma as a potential solution to their issues. Populations in many nations are aging, and this has hindered the availability and quality of medical care, especially when it comes to the satisfaction of patients and the operating costs of medical centers. The increasing number of patients and the mounting medical costs for both patients and medical centers is a major concern among those who work in healthcare.

Diagnostic imaging and radiology are two practice areas within healthcare that administrators often seek to improve in terms of delivery cycles. A fine-tuned diagnostic imaging system in a medical facility is essential to delivering holistic patient care. Some of the problems that radiology departments often run into include: overwhelming numbers of pending appointments, bottlenecks, unmanageable traffic, and staff members who are stretched too thin. The cumulative effects and incremental improvements of Six Sigma are tailor-made for diagnostic imaging, a process that can't be simply stopped for overhauling.

Applying Six Sigma approaches to the healthcare industry is essentially just like using the Hippocratic approach to garnering a bunch of data and making a medical diagnosis. There are five phases involved. These include defining the problem, doing measurements, analyzing the data, making improvements, and having some control. Each of these phases can easily be assimilated by healthcare professionals and managers. The concepts behind Six Sigma have been applied to major institutions in both the United States and in other developed countries.

One of the problems that overwhelmed diagnostic imaging centers face is that 20 to 30 percent of the exams they perform aren't always necessary. Physicians can easily fall into repetitive patterns of ordering imaging tests for their patients, thereby encumbering radiology departments and exposing patients to higher levels of radiation. Such a problem was faced by the Minnesota Department of Human Services (DHS) until it decided to deploy a Six Sigma solution. The Minnesota DHS now utilizes a software tool which deploys a decision-making process prior to ordering a diagnostic imaging exam. Based on a score provided by the software tool, health care professionals can determine whether a diagnostic imaging test is actually needed.

Monday, November 19, 2012

Building And Construction Costs In South Africa

BUILDING COSTS (Overall rates per m excl. VAT)

The following building and construction rates are provided to indicate the current square meter costs of a range of basic or common buildings in the construction industry.

Rates are approximate and vary according to the specifications of the project. Rates should be used with extreme caution and used only as a estimated indicator as these differ from area to area. Information is not stated specifically and the lowest industry standard specification is implied.

Preliminaries are included in the price but external works excluded. Escalation to start and during construction, professional fees and finance costs are excluded.

Residential Developments GASH (good address, small home) housing by Contractor/Developer R 2 550 - 3 200 Duplex houses/apartments R 3 600 - 4 200 Luxury (cluster) houses R 5 000 - 6 800 Retirement centre R 3 600 - 4 200 External works and services R 550 - 780

Office Developments Underground parking basements including foundation R 1 650 - 2 300 Commercial office park development on basement (with AC) R 2 950 - 3 650 Prestigious office development on basements R 4 700 - 7 200 External works services and landscaping for low rise developments R 550 - 780 Retail Developments Value centre type retail R 2 200 - 2 900 Convenience strip shopping centre R 3 100 - 3 700 Regional shopping centre with enclosed malls R 5 200 - 7 300 External works paving and services R 550 - 780 Industrial Developments Warehousing with 6 m height (over 2 000 m) including ablutions R 1 400 - 1 950 Medium duty factory building with 8 m height (over 2 000 m) R 1 750 - 2 300 Attached office buildings (no AC) R 2 700 - 3 200 External works, paving and services R 550 - 780 Leisure Developments Thatched game lodge accommodation per m R 3 700 - 4 800 Budget type hotels per room R 390 000 Luxury hotels per room R 1 380 000 External works and landscaped environment per m R 850 - 1 100

Sunday, November 18, 2012

Benefits Of Cordyceps Sinensis

Since 50,000 years ago, shamanic healing has produced cures and fantastic medicines which were all derived from nature, whilst one may question the efficacy of such treatments there is non more so than cordyceps sinensis which stands out as being a panacea which seemingly cures all manner of health problems. The benfits of cordyceps sinensis was
so great, even the royalty of ancient China forbode the use of Cordyceps Sinensis and thus coveted its use for the Royal Family only. Modern chemical analysis has shown its secrets to not only being able to combat cancer or Aid's but as a viable alternative treatment for a wider range of disease and illness than any other drug or herb, which may be the reason for peoples superstition for not using cordyceps sinensis because the effects and wide ranging benefits are so great that people tend to not believe its potency immediately when looking for a cure to their problems.
Cordyceps is considered a "food" by the US Food and Drug Administration (FDA) and is classified as "generally recognized as safe" (GRAS). A growing number of researchers now consider it to be a "superfood" that can be included in almost every diet. So why are these rediscovered mushrooms now regarded as superfoods?
These medicinal mushrooms are extremely high in both beta-glucans, which have been shown to be useful in cancer therapies, and polysaccharides. Polysaccharides are long
sugar chains with many oxygen sections within them. As these sugars are broken down by the body, the oxygen molecules are released and absorbed on a cellular level. We know
that all forms of cancer cannot exist in an oxygen-rich environment and that without proper oxygen levels the body is left to fall into degenerative states that encourage cancer, heart disease, immune disorders and diabetes, and also allow many viral diseases such as hepatitis C, Lyme's disease and many others to flourish.
The key is how to deliver oxygen to the body on a cellular level. This host of pharmaceutical mushrooms includes such well-known products as Reishi, Maitake and Agaricus which are rich in beta-glucans, known sources for oxygen. This list continues to grow, with clinical studies now including more than 70 different mushroom species. The most interesting one to emerge is Cordyceps sinensis, which grows at about 16,000 feet (4,877 metres) in Tibet. Cordyceps sinensis increases ATP (adenosine triphosphate) levels
in the body by almost 28 per cent. ATP is the body's energy supply source.

cordyceps is useful for treating cancers or HIV because it contains high levels of beta glucans and polysaccharides, this is because of the oxygen molecules it is able to
release and deliver the on the cellular level in conjunction with cordycepin which is able to interrupts the DNA repair mechanism which gives cordyceps it's antiviral HIV
effects. Much debate has gone into what part of this mushroom is useful, was pharmaceutical companies choose to cultivate their mushroom products by growing mycelium inside
the tank of liquid broth or on solid substrate such as rice or millet, it has been speculated that all parts of the mushroom contribute to its potent effects rather then
any singular part or extract of the mushroom.and some forms of reproduction. Broth. In cultivated mushroom products, the mycelium can be grown either by fermentation, in a
tank full of liquid "broth", or on a solid substrate of some material that is found in the natural growth condition. For the production of many mushroom-derived drugs and health supplements, the compounds are extracted not from the mycelium but from the broth in which the mycelium is grown.

Some additional health benefits of Cordyceps are outlined below.
Enhances physical stamina
The most prominent effect of cordyceps sinensis is its ability to enhance physical stamina, this was documented in 1993 during the Chinese
national game were a group of nine women athletes were able to shatter nine world records and attributed this to cordyceps being in the diets and training regime. The
Canadian Olympic committee has made an official stand by stating that cordyceps sinensis Is allowed in professional competition.
Clinical research has shown that Cordyceps use increased cellular bio-energy ATP (adenosine triphosphate)by as much as 55 per cent. Increased synthesis of ATP and faster energy recovery have been reported. It would
seem that Cordyceps improves the internal balance mechanism, thus making the utilisation of oxygen more efficient. These properties may account for the overall physical
enhancement, the extra endurance and the anti-fatigue effects that are seen in humans using Cordyceps.
Improves respiratory function
tuberculosis along with chronic bronchitis and asthma as exemplified cordyceps sinensis ability to treat and improve respiratory functions resulting in cellular oxygen absorption increasing by 40%.
Increases oxygen absorption
30 people who were considered senior in their years(elderly or retired) were placed in a double blind placebo controlled study show in significant improvements in the amount of oxygen that the patients were able to assimilate.
Improves heart function
Numerous studies have demonstrated the benefits of Cordyceps sinensis in treating heart rhythm disturbances such as cardiac arrhythmia and chronic heart failure.
Helps maintain healthy cholesterol levels
cordyceps sinensis has been observed to help lower cholesterol by 10-21% and triglycerides by 9-26% with positive correlation for increasing HDL cholesterol 27-30%
Improves liver functions
overall improvements of 71.9% on thymol turbidity tests on 33 patients with hepatitis B infections of the
given cordyceps supplements. Cordyceps sinensis has been observed to help with hepatitis chronic and some chronic along with cirrhosis
Improves kidney disease
chronic kidney disease patients showed an impressive 51% improvement in their health after taking dietary supplements of cordyceps sinensis.
Reduces tumour size
50 lung cancer sufferers were given cordyceps sinensis in 6g dosages in a study, this was used in conjunction with chemotherapy. The results were reductions in tumour sizes in 46% of the patients whilst sufferers with multiple tumours benefited from this therapy whilst the majority of patients commented on improved subjective symptoms.
Enhances immunity and T-cell production
Cordyceps has been found to enhance "natural killer" (NK) cell activity, thus increasing T-cell production which results in
expanded muscle mass. Muscle power
is improved with the building of young, healthy cells. Cordyceps effectively recharges the protective army of NK cells. The body's
ability to fight infections and tumours depends on the vailability of NK cells. These are essential as the first line of defence for maintenance of the body's protection
mechanism, commonly known as the immune system. Several scientific studies of Cordyceps have especially focused on NK cells and Cordyceps' effect on them as they relate to cancer formation. One in vitro study demonstrated that Cordyceps significantly enhances NK cell activity in normal individuals as well as leukaemia stricken people.
In a Chinese study, published in the Chinese Journal of Integrated Traditional and Western Medicine, natural Cordyceps enhanced the NK cell activity of normal patients by 74 per cent and increased the NK activity of leukaemia patients by 400 per cent. Similar improvements of NK cell activities were found in large melanoma tumours.
Assists symptoms of ageing
Studies on elderly patients suffering from senility and fatigue related problems were given cordyceps supplementation, during the 30 days of testing patients reported a 92% improvement with their fatigue, 83% reported a reduction in dizziness with 89% reporting a reduction in feeling cold. Patients with breathing problems reported improvements and said they were physically stronger with some patients gaining the ability to jog and run up to 180m with no problems.
Protects against free radical damage
studies have shown cordyceps sinensis possesses powerful antioxidant properties giving protection against free radicals

Helps discomfort from tired legs
cordyceps sinensis is able to reduce or prevent the contraction of blood vessels, this resolves in improved blood flow to the legs, this is achieved by relaxing the smooth muscles of blood vessels, allowing them to expand. Secondary effects are enhanced functioning of the heart and lungs.

Improves sexual
function improvements in sexual functions well below in the study of 200 men with sexual impairments or reduced libido, the men were given cordyceps sinensis with 64% of cordyceps users reporting significant improvement. In conjunction with this test 21 women with similar complaints were giving cordyceps with 90% stating improvements of their condition after using cordyceps sinensis. In another clinical study involving 189 male and female participants with decreased desire and libido showed a 66%
improvement after consuming cordyceps sinensis. In a fertility test regarding men, sperm count was increased by 33% while the incidences of sperm malformations decreased by 29% with a 79% increase in the rate of survival for the sperm.Cordyceps has been shown to improve libido and quality of life in men and women, fight infertility and increase sperm count and survival. Clinical studies involving 189 male and female patients with decreased libido and desire showed improvement of symptoms in 66 per cent of cases. A double-blind study conducted by the Institute of
Materia Medica in Beijing showed an 86 per cent improvement in female libido and desire. The most dramatic physical proof came from a fertility study involving 22 males which showed that, after eight weeks of taking a Cordyceps supplement, their sperm count increased by 33 per cent, their incidence of sperm malformations decreased by 29 per cent and their sperm survival rate increased by 79 per cent.
Reverses HIV
in late 2004 study free fouls on HIV patients in Ghana were given a formula with cordyceps sinensis as the primary ingredient. When results came back the most amazing thing happened. All 3000 patients had no trace of HIV in their blood.

Friday, November 16, 2012

Eric Wong's Ultimate Mma Training And Conditioning - Review

MMA Training And Conditioning Program - Personal Review

This is my review on a MMA guide called: The Ultimate MMA Training And Conditioning Program

The Basics
MMA is a sport that focuses on combining techniques from various martial arts, such as wrestling, judo, boxing, Kickboxing and Brazilian Jiu-Jitsu. This combination has the purpose of managing and developing the most effective techniques for a theoretically free fight. MMA is a complex and demanding sport which can lead to a very healthy body, if done right. The Ultimate MMA Strength and Conditioning Program provides you with an easy to follow workout program that will answer all of your questions and more. Everything you get is based on scientific principles of strength and conditioning and fight-tested results.

General questions concerning MMA practice:

-How many times a week should I lift weights/do cardio?
-Are intervals and sprints the best way to develop cardio?
-What exercises are the best for MMA?
-Won't lifting weights make me slow?
-How do I train to develop knockout power with my strikes?
-I heard I don't need conditioning since I'm training MMA 5 days a week?

If you follow this program, you'll develop the following qualities: power and endurance in your aerobic, anaerobic lactic, and anaerobic alactic energy systems; strength and power in all major movement patterns (lunge, bend, push, pull, squat, twist), isometric endurance; improvement in all 7 biomotor abilities; sagittal, transverse, and frontal plane core stability, and much, much more to help you reach your physical capability.

My Review
Until I discovered this program, I felt like I was missing out by not being able to go all-out 6 days a week. Thanks to this program, I have discovered that less is more. I can train my strength/ MMA conditioning 2-3 days a week and still be strong enough to train MMA-specific whenever I get the chance.

My footwork's continuing to improve. I've been working a lot on a simple combination that requires pretty concise footwork: cross, backstep-jab, stepping cross. I'm still a bit awkward with punching on a backstep and immediately switching to a stepping cross, but I'm getting better at it a little at a time. I have made super gains in endurance (thanks to the Crazy 8"s routine) as well as flexibility, speed, and explosiveness. and I'm not even halfway through the 8 week cycle yet! This program is resposible for getting me on the right track to achieve my goals, instead of wandering aimlessly through the wilderness of "this is the best" programs that are out there.

Nutrition-itsu is absolutely incredible in its simplicity. I have worked so long to find the difference between having energy and lowering my BMI. This is the first program that comes with well thought-off arguments and examples I've run across and doesn't talk like a doctor when explaining it. Also I've increased body weight(muscle) without gaining fat. My conditioning has also increased dramatically.

I'm a pretty small fish in a big pond so far (3 fights in 18 months) but I now have the confidence that comes with a belief in how I train, so hopefully one day when I'm getting my hand raised under the big lights. Ultimate MMA Training & Conditioning Program states a pretty devoted fitness disciple and I love it!

Interested in MMA and training like an MMA fighter? Check it out and download today (Don't miss the video!): Download MMA Training And Conditioning Program

Wednesday, November 14, 2012

Lasik Statistics And Success Rates ? How Effective Is Lasik?

If you've been pondering the benefits of LASIK laser eye surgery, you've probably wondered how safe and successful the procedure really is. It's always a good idea to research any procedure you're considering. The following information will help you decide whether the benefits of LASIK outweigh the risks.

LASIK is a safe outpatient procedure chosen by over a million Americans each year. Recently, a study conducted by the American Association of Professional Eyecare Specialists (AAPECS) found that 55% of all LASIK patients were able to have their vision restored to 20/20 acuity. 93% of patients were able to attain vision of 20/40 or better.

It is worth noting that LASIK statistics vary. Many doctors consider the procedure a success if their patient is restored to 20/40 vision. Others don't report a success unless their patient comes away with 20/20 vision. Also, though LASIK produces immediate results, a patient's final vision might not set in for several months. Some patients see a large initial improvement followed by gradual improvement spread out over many weeks.

The Food and Drug Administration found that complications occur in 1% to 5% of LASIK surgeries. These complications range from relatively mild symptoms such as glare and light sensitivity to visual abnormalities and degenerated eyesight. There is also a slight risk of eye infection, but such cases are extremely rare due to precautions taken during surgery.

For the 95% of patients who have a successful LASIK procedure without complications, the surgery was undoubtedly the right choice. When you're deciding if LASIK is right for you, remember that the vast majority of patients enjoy an improvement in their eyesight. But LASIK comes with a slim chance of failure, just as any surgery does.

If you're worried about LASIK complications or just want more information about the procedure, talk to your eye doctor. They can give you advice and make recommendations tailored to your specific needs.

Friday, November 9, 2012

How To Choose Wooden Covers For Your Radiator

Wooden radiator cabinets and wooden covers for radiators can add a very great deal to a room, as well as helping to take away a great deal from a room as well. But there are several important points to consider when choosing a wooden cabinet for your radiator.

The risk is that by assuming wooden covers which disguise radiators are inevitably going to be an improvement it can be easy to overlook the fact that the colour of the wood, and indeed the style of the cover or cabinet itself, can help to tie a room together, or create too much of a contrast if the wrong choice is made.

Let's be honest, the vast majority of radiators in homes are pretty ghastly things to look at. Not only are they great slabs of dull white metal, invariably they dominate a large section of wall, and can't even be adequately hidden by furniture. It is also ironic that the one thing a radiator is very bad at doing is radiating heat, since in most cases those great slabs of white metal are sending most of the heat directly up the wall to the ceiling. This is why often it takes quite a long time for the air to start to circulate within the room, raising the ambient temperature.

So it is easy to think that beautiful wooden covers and cabinets fitted over radiators will both disguise something rather unwelcome, as well as potentially offering benefits in terms of heating efficiency. Properly made wooden radiator covers will help to stop the heat escaping directly upwards, venting it out through the grill at the front and directly into the room where it is felt more immediately.

But if you take a look at the range of wooden radiator cabinets available you can see that they vary widely in the type of wood used, as well as the overall style. A crisp white wooden cover looks extremely stylish in modern homes as well as older properties, whereas a walnut effect wooden cover will usually look best in rooms which are fairly large. The darker the colour of the wood the more likely it is that it will help to reduce the overall sense of space, creating a warm and cosy atmosphere.

If you're looking for something which will blend in with a room in which there are a variety of colours and styles of wood then an oak veneer can often work well, being a warm colour which is not over dominant, and which helps to draw together the wood colours within the room.

For modern properties cream or maple work extremely well, but as well as the colour of the wood it is important to be aware that both the style of the cabinet and the pattern of the grill at the front will make a big difference. So for a modern property a crisp white wooden cover with straight edges can look stunning, whereas for smaller rooms or for older properties cream-coloured wooden covers with a softer, rounded design can help to transform a stark white radiator into a feature which looks far more at home, and helps tie the look of the entire room together.

Measuring Windows For Vinyl Exterior Window Shutters

Choosing a measurement style is one of the most difficult decisions in the purchase of vinyl exterior shutters. The first step to replacing your vinyl shutters is with a walk or drive around your neighborhood. The first thing to look for is how the exterior shutter tops are placed in relation to the top of the window.

If the area you live in typically has lap siding (wood or vinyl) and wood or metal trim (e.g. a 1" x 4" or a 2" x 4") around the window, are the exterior window shutters flush with the top of the trim or are they aligned with the top of the actual window? If your area has a lot of stucco exteriors and no trim, look to see if the exterior vinyl shutters are mounted flush with the top of the window. In an area with a lot of brick houses, are the exterior shutters mounted even with the top of the opening or are they lined up with the top of the actual window itself? A lot of old homes (now referred to as heritage homes) have a 2" brick-mold that is fairly flush with the siding, how are the vinyl exterior shutters mounted? Take note of how the exterior shutters are typically mounted with respect to the trim and window in your neighborhood.

So now we have covered most of the representative types of window trim, the next step is looking at the bottom of the exterior shutters. Check to see whether your neighbors have their exterior shutters installed all the way to the bottom of the opening or if the exterior vinyl shutters are lined up with the window. If there is a sill at the bottom of the window, it is typically best to leave a 1/4" to 1/2" space between the bottom of the window shutter and the window sill. This gap is primarily to allow for the expansion and contraction of the vinyl material.

While most details become evident in your reconnaissance of the neighborhood, there are some finer points to note. A well fitted pair of exterior shutters that look "just right" may well be custom made for that house.

A quick aside about the value of paying for custom made shutters vs. buying the relatively inexpensive standard sized shutters. When referring to vinyl shutters, the term "custom shutters" means that the height will be a custom size and the widths are only in specific sizes (e.g. 5 3/4", 8", 9 1/4", 11", 12", 14 1/4", 16 1/2", 18", etc.). Standard sized shutters are only generally made in 2 widths (about 12" and 15") and only come in heights that are about every 3 or 4 inches from about 30" to 80". You must consider whether standard size shutters are going to work properly for you, as poorly sized shutters not only look a little shabby they can actually affect the curb appeal (and resale value) of your home. Custom made vinyl exterior shutters may cost twice as much as standard shutters but the return is often worth the investment, as exterior vinyl shutters are one of the lowest cost improvements you can make to your house. Properly fitted exterior shutters can make a big difference for a little extra money.

To determine the proper width of your vinyl exterior shutters there are many things to consider. It is generally accepted in the trade that the style of home influences the decision about the width of the shutter. For a two story home that is narrow to the street that has vertical operating windows you would want to emphasize the height of the structure. You would do this by choosing a narrower width of shutters. On the other hand, a ranch style home that runs parallel to the street would look better with wide vinyl exterior shutters to emphasize the width of the house.

You may start by dividing the width of the window by 2 this is the maximum exterior shutter width you would want for any window. The minimum would be around 25% of the window's width. When you also consider the style of home, you will then have a starting point to work from. In general it works best to find a single width that works for all of your windows, but you also need to consider the space between the windows.

That said there are many exceptions to this rule. For example, if you have an 8 foot wide window on the front of your house with no (or very few) windows facing the same direction, you may wish to order wide exterior vinyl shutters for the wide window, and then order narrower shutters for the other windows on the house. Another thing to consider is if you have a light, down spout, or other obstruction that is too close to the window for a wide shutter to fit. This is where ordering custom shutters can come in handy so you can get a width that works within the distance from the obstruction. Custom exterior shutters can solve many problems that "only seem to be on my house".

A good way to tell how a particular width of vinyl exterior shutters will look without investing a lot of money is to find some corrugated cardboard boxes that are fairly sizable and cut them to the proper height and 50% of the width of the windows. Tape them temporarily to the side of your home on each side of your windows using duct tape, and then step back away from the house to see how it looks. Most people will probably think they look too wide at that point. Take the cardboard cutouts down, and with a utility knife, cut them down to where you think they should be and step back again for another look. You should be able to tell if you went too far almost immediately, and you may also notice that some windows still look a little wide, while others look a little narrow. Take note of this and then take the cardboard down to measure the width. Now you should have a pretty good idea about the width of exterior shutters you need to order.

Monday, November 5, 2012

Top Six Tips To Stop Hair Loss In Men

The biggest nightmare for men is to experience losing their hair. Since hair is the crowning glory of our personality, hair loss can be extremely depressing especially in this image conscious society. There are many cures and ways to prevent hair loss in men but what are they?

Medical advances have made it possible to prevent and stop hair loss. A few years ago this would sound like a false promise but there are treatments that really work today. Most of them come in the form of taking medications and undergoing hair restorations. Here are fruitful tips to help you combat hair loss.

A good shampoo or DHT inhibiting shampoo can help slow down or possibly even stop hair loss. It will also help if one learns to shampoo the right way: deeply and thoroughly. Unwashed shampoos left on the scalp may aggravate hair loss by irritating the scalp. Remember, a hair growth shampoo should be used in conjunction with other hair loss remedies or treatments for the best possible results.

Minoxidil lotion (Regaine regular strength or Regaine extra strength) is applied twice daily to the scalp. Minoxidil was originally invented as a treatment for high blood pressure; the hair growth is a side effect that, in this case, has proved useful. It is not available on NHS prescription, but can be purchased over-the-counter. About 60 per cent of patients benefit from it to varying degrees and its effects start to wear off as soon as it is stopped.

Finasteride (Propecia) is a medicine taken in tablet form that partially blocks the effects of the male hormones (an 'anti-androgen'). It is used in a higher dose to reduce the size of the prostate gland in men with benign prostatic hypertrophy. Propecia has been shown to halt further hair fall and promote re-growth of scalp hair in approximately 80 per cent of patients after three to six months. Treatment must be continued to sustain the improvement in hair growth.

Hair transplant surgery has improved since its early days and can be an effective way of covering a balding scalp. Plugs of hair are taken from the back and sides of the head, where hair tends to continue to grow, and is placed in the scalp where it is needed. This works well and real hair grows to mask the baldness, but even these days the transplanted plugs make it look a little like doll's hair.

Hair concealers are possibly the safest and easiest treatments to use. If you use hair concealers properly it can produce desired results. With a little practice you will be able to conceal any bald patch with ease. Hair concealers can be solid products (like colored powder that coats and thickens your hair), sprays (aerosolized polymers for thickening hair) or particles (charged with static electricity tiny hair fibers that intertwine with your own hair).

Wigs and toupees are also used to conceal bald spots and make you look more impressive. A good wig can really work wonders but as a matter of fact it is usually expensive and extremely fragile. Toupees are very similar to wigs but generally cover a very much smaller area.

Men who are suffering from hair loss should explore the aforementioned methods to combat their receding hairline before it is too late! By providing you with these tips to stop hair loss, you have more ways than ever before to hang on to your hair. Baldness may one day be a thing of the past, and in the meantime you can do a lot to prevent hair loss if you follow these fruitful tips.

Sunday, November 4, 2012

How To Enlarge Your Penis ? Use These Foods And Vitamins To Add 3 Inches To Your Penis Size!

So many guys are constantly on the search for a method that they can use to enlarge their manhood naturally without having to undergo surgery, use pumps or any other dangerous penile enlargement methods. These men are only being careful by not wanting to risk their health all in the name of a bigger penis. This is one reason why natural penis enlargement methods are such a big hit nowadays. This is way better than undergoing surgery or using dangerous devices.

In a moment you would discover how to get a stronger and bigger penis by taking special supplements and foods and also combining them with natural penile enlargement exercises.

When you combine these foods and supplements with natural penis enlargement exercises you can be assured that you would add 1 3 inches to your penis size (both thickness and length). This method is a safe and affordable method that is available to any guy that wants a bigger penis size. Now here are the foods and supplements that can do wonders to your penis size:

Onions Apart from making you cry when you peel or cut them, onions is an excellent food to eat that will help you gain extra inches to your penis size (both length and thickness). This is because onions contains phytochemical which prevents your blood from clogging and clotting.

Omega 3 fatty You can get this nutrient from multivitamin pills. This particular nutrient makes your blood less sticky and it also improves blood circulation. You can find multivitamin pills that contain these nutrients at any health food store near your neighborhood.

Zinc and vitamin b6 These mineral and vitamin do the same thing for your body. They both help in improving blood circulation and increasing testosterone levels. These two are very important if you want to naturally enlarge your manhood.

Bananas I am sure you never expected this one! Bananas contain potassium. And this helps in giving you a healthy heart. If you really want a bigger penis size then you would definitely want a healthy heart that can pump more blood into your penis. Bananas would help you do that.

Porridge porridge might look out of place on this list but believe me it also contributes to penile enlargement. Porridge contains soluble fiber that helps clean up bad cholesterol in your body and helps your blood vessels to be stretchy, smooth and free from clots and clogs.

When you combine these foods with a quality natural penile enlargement exercise program, you are sure to see amazing results and achieve your penile gains quickly.

There are so many natural penis enlargement exercise programs that are being sold on the internet right now, it is very important that you only use the best so as to avoid injury and achieve your penile gains fast. I achieved 2 inches extra in length and 1 inches extra in penile thickness after 4 months of using natural penis enlargement exercises.

Friday, November 2, 2012

Antique Or Chic: Dens And Den Decorating

What exactly is a den? Well what it is today and what it was may be two different things. Then a den may mean different things to different people, and whether it should be antique or chic is up to the individual as well.

The den of the past seemed to be a place where dad could find seclusion. Seclusion from what? From the family, business, or the stress of the day? Where did that idea originate? Probably on television in programs like Leave it to Beaver, or Lassie, or other family shows where the Dad went off to work while Mom stayed home to take care of the house and all the kids.

That stereotype is long gone and who knows what TV programs are even worth watching today, it seems they went the way of the den for Dad. However if you had a den would you decorate it with antiques or chic? We know what antiques are, but what exactly is chic?

Well it must be the opposite of antique so we'll just go with that.

When you find the den in your house is it the former guest room that you've seldom used? It that's the case, then it might be a good idea to redecorate with the items that would look good in a den; or possibly, a couch with a rollout bed hidden beneath. A desk would be nice, or a couple of chairs to converse with a friend.

Family pictures especially those old ones would fit in the antique den. To brighten up the den, new frilly curtains just don't seem to fit, but shutters might bring the proper atmosphere. Maybe a feminine touch would be good for Mom, but would Dad be happy there?

Regardless of your thoughts about a den, possibly it would be a good idea to decorate the room with colors that don't offend, but offer a quiet time for the entire family. Separately of course, but when one is there whether reading, writing or sleeping, the rule might be to leave them alone with the door closed without television, radio, or any other electronic or wireless gadget.

What we seem to be looking for is a place where silence is preferable. Is our world so busy that we need a den in our lives where we can decorate it with bookshelves or dark desks with writing paraphernalia? Perhaps that is what's missing in our lives. We need a den to call our own, a room when we enter it we leave the stress at the door and find respite in the silent retreat.

Misting Fans Improve Outdoor Living and Working Conditions

One of the most popular spots at the zoo or amusement park on sweltering summer days is not necessarily one of the main attractions. It's the misting stations that lure a consistent crowd eager to feel cool and revitalized before moving onto the next wild animal or wild ride. Creating your own personal misting station is much more pleasant, much easier, and much less costly than spending hot summer days with the family at a pricey zoo or park. The way to accomplish this is with a misting fan.

Misting fans bring together the invigorating mist of water with the cool, gentle wind created by a fan. This combination cools more successfully than just mist or just a fan alone. In fact, a misting fan is capable of reducing the surrounding air temperature by as much as 30 degrees, allowing you to enjoy relaxing on your back deck or patio even on the most uncomfortably hot days. Higher quality misting fans can affect an area 200 square feet or more in size, which makes the misting fan an ideal choice not only for home use, but also for commercial and industrial use. Sporting events, outdoor cafes, and construction sites are just a sampling of potential locations where misting fans would be welcomed and appreciated.

When searching for a misting fan for your home or workplace, you'll want to insist upon a couple of indespensible features. Most misting fans are mounted on top of a water reservoir, many of which can contain anywhere from 5 to 10 gallons of water. Better fans, no matter how much water it can hold, should be able to run, when starting with a full reservoir, up to 4 or 5 hours long without needing to be refilled. Also, it's highly recommended to choose a misting fan that comes with attached, locking wheels or a handy cart so that it is easy to move and store away.

Other features are available that can enhance the quality of your misting fan experience. For example, some fans come with a number of different speeds, allowing you more control. Another particularly helpful feature in a misting fan is a telescoping post that allows the fan to be adjusted easily for height. Also, some fans oscillate to ensure that the cooling mist is distributed more efficiently in the surrounding area.

No matter what features you choose, having your own misting station at home or work can greatly increase your level of comfort, even on uncomfortably hot days. Because they provide so much relief from the heat, misting fans at home can help you enjoy your deck or patio to the fullest, and at work, misting fans can improve your productivity and make working outdoors much more agreeable.

Wednesday, October 31, 2012

The Mortgage Disclosure Improvement Act (mdia)

The Mortgage Disclosure Improvement Act goes into effect on July 30, 2009. Please understand that this is federal legislation that could affect your closing date. All mortgage professionals must comply with the requirements as noted below. A loan cannot close or fund unless it has met the requirements listed below. The requirement is applicable for all mortgage loans (unless exempted as noted below). It has been implemented to protect the consumer, but it could cause delays in the closing.

On July 30, 2008, Congress enacted the Housing and Economic Recovery Act of 2008 (HERA). Within HERA, Congress included amendments to TILA which are known as the Mortgage Disclosure Improvement Act of 2008 (MDIA). On October 3, 2008 Congress further amended the Mortgage Disclosure Improvement Act as part of the enactment of the Emergency Economic Stabilization Act of 2008 (Stabilization Act). With the enactment of HERA and the Stabilization Act, the Federal Reserve Board is now amending Regulation Z with all provisions of the MDIA and making these changes effective as of July 30, 2009.

The immediate changes you need to know about MDIA requirements are as follows:

1. MDIA implements a 3-7-3 rule that creates new timing and waiting requirements with regard to the issuing of Truth-in-Lending disclosures and when closing can occur. The 3-7-3 rule requires the lender to:

a. Upon the taking or receipt of a loan application, provide an initial Truth In Lending(TIL) to the borrower(s) within 3 business days of the application (no change to current requirement).

b. Impose a waiting period BEFORE allowing a mortgage loan to close. The waiting period requires a lender to wait until the 7th business day following the delivery or mailing of the initial TIL to the borrower(s) before a creditor may close any loan. The 7 day period may be waived only if there is a bona fide and/or extreme and/or urgent reason to do so. This would be handled in the same manner as a waiver of rescission, which is virtually impossible to achieve. Therefore, there will be virtually no waivers of the 7 day waiting period.

c. Impose an additional 3 day waiting period before a loan may close in any instance in which the Truth In Lending(TIL) is outside of regulatory tolerances (e.g., for regular or fixed rate loans more than .125% and for irregular loans more than .25%). The 3 day period begins with the mailing of the TIL. A corrected TIL is required whenever a TIL is outside of regulatory tolerances.

d. The TIL may be mailed via regular mail or overnight or by e-sign or e-mail. However the lender sends the TIL, they must still comply with the 3 day waiting period. MDIA does not assume a quicker waiting period might occur and does not allow the lender to proceed until after the 3 day waiting period has ended.

2. Lenders can under no circumstances collect any upfront fees prior to the consumer's receipt of an accurate TIL unless the fee is to cover the cost of the consumer's credit report.

a. The fee collected must be bona fide and reasonable (no padding of fees and do not collect a fee unless the consumer is actually responsive if there was no intent to charge them for the credit report).

b. A lender and third party such as a broker must adhere to the same rules regarding the collection of fees. If a third party forwards a consumer's written application to a lender, both the lender and third party do not collect any fee, other than a credit report fee if a credit report was pulled.

c. If a third party forwards a consumer's written application to a second creditor following a prior creditor/lender's denial of an application made by the same consumer (or following the consumer's withdrawal), where fees have already been assessed, the new creditor/lender or third party does not collect or impose any additional fee until the consumer receives an initial TIL from the new creditor/lender.

3. An initial Truth-in-Lending disclosure must now be issued on a closed-end principal dwelling and a second home whether transaction is a home purchase transaction, a new construction loan, or a refinance. Previously, initial TIL's were not required on refinances. The changes continue to exclude issuing an initial TIL on an investment property loan or a HELOC.

a.. For a primary residence, any non-owner occupant must also receive a copy of any TIL that is issued.

4. A new required "Notice" will be added to the TIL advising a consumer they are not obligated to proceed with the loan if they do not wish to do so.

5. No initial TIL is required if a consumer withdraws or is denied within 3 days receipt of the loan application.

6. Under the amended rules, a business day is any day other than Sunday or a legal holiday - which is the same as the current rescission day definition.

7. Any waiver of the 3 or 7 day waiting periods must be treated the same as waiving rescission. There must be a bona fide emergency before a waiver request will be considered.

a. A waiver when granted may not be a preprinted letter. The borrower(s) must handwrite a request to waive the 3 day or 7 day period and must describe the bona fide emergency.

b. Any waiver requested and granted must be signed by all parties that take part in the transaction.

8. MDIA does not amend any requirements specific to HELOC loans.