FTC Loses Lap Tops With 110 Employees Personal Data

Hey I thought the Federal Trade Commission was suppose to catch Identity Thieves not give out personal employee information to them? What gives this time? Well it appears that the mighty FTC had some laptops stolen in Scottsdale, AZ. But may I ask what they were doing in that area of prime real estate and luxury five star hotels with golf course when they should have been in Washington DC working for us the taxpayers? Were they screwing off using government credit cards again? Oh boy, and look what happen while they were? The lost personal data from 110 employees?

Gee, I thought these morons (opinion) were suppose to be curbing Identity Theft and taking a bite out of crime but no? Instead reports now say that; The personal information was gathered in law enforcement investigations and included, variously, names, addresses, Social Security numbers, dates of birth, and in some instances, financial account numbers. Heck the FTC or Federal Trade Commission cannot even protect their own teams identity information.

May I ask how in hell they are suppose to Protect the American People from Identity Theft if they cannot even protect themselves? Consider all this in 2006; it appears our government is now at an all time low and as for the FTC, they need to come clean and lets just close that agency can we? What a waste of taxpayers money indeed.

“Lance Winslow” - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; http://www.WorldThinkTank.net/. Lance is a guest writer for Our Spokane Magazine in Spokane, Washington

FTC Gives Away Employee Information to Scottsdale Identity Thieves
Can you believe that the Federal Trade Commission allowed two lap tops filled with personal information to be stolen out of a car in Scottsdale AZ, while the employees were enjoying the Sun and Fun near the golf courses and five star resorts? Indeed two lap tops were stolen and on them were 110 employees personal information, who work for the Feder...

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Commercial Identity Theft is one of the fastest growing crimes in the country and the Internet certainly make it easier. You might not be able to prevent identity theft, but you can take steps to make yourself less vulnerable. It is clear that prevention is currently the only viable approach to resolving the problem of stolen identities being used ...

Data Protection - Government Intends to Impose Tougher Penalties for Misuse of Personal Data
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Are you aware of all of the different ways in which identify theft can be done? You may be surprised that your personal details and identity can be stolen by criminals easily. Here are some ways in which you might be targeted.One, camera phone capture. According to the FBI this is a relatively new way of capturing your personal data. Many phone...

Federal Trade Commission Violates Employees Identification
The Federal Trade Commission has allowed two laptops to be stolen in Scottsdale, Arizona which contained personal information of one hundred and ten employees. Yep personal information like social security numbers, date of birth, names and addresses too. Can you believe the utter incompetence of this? Remember the Federal Trade Commission is suppo...

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Two teenagers stole the Laptops, which the Veterans Administration was missing and would you know it after nearly four months and many FBI folks on the case it took them to find these teenage boys? Interesting, now then whose fault is it that these laptops were missing with important personal information and data? Well, one would have to ask why th...

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Our computer and their systems, whether you like it or not, have become an important part of our lives. We use them to perform a lot of things in our daily lives, such as writing important letters, keep track of our finances, send personal and business e-mail to our friends and business associates and more. One can see that computers are an essent...

Natural Acne Treatment

Many individuals are looking for a natural acne treatment. Since the skin is the largest organ on the body and it assists other major organs in the human body with eliminating waste, one of the best natural acne treatments is diet which has many home remedies for acne in the foods that we eat. A dog encountered a rattlesnake and killed it; however, the dog sustained a bite during the fight.

Since many of today’s prescription medications are harsh and carry the risk of devastating side effects, why not try a natural acne treatment? The advantages to natural acne treatment are that you avoid ever having to see a dermatologist, your body will benefit from healthier eating, and you are not exposing your skin to harsh chemicals. While herbal products contain many natural facial treatment ingredients to help eliminate pimples and blackheads on you skin, you will normally find a combination of acne ingredients with a mixture of natural emollient’s and skin soothing properties.

Using natural products for your natural acne treatment may be a new experience, or you may have used other natural treatments that didn’t include certain effective ingredients in your cream cleanser, or topical solutions, whichever the case may be, I will explain each natural product and briefly tell you their features and benefits. Regular use of the mask is a natural acne treatment that clears your complexion and stops acne from forming. A natural treatment for acne is diet, which some say can be an acne cure and for many is the best acne treatment.

Modifying your diet and taking vitamins are not the only options that you have as natural acne treatment. Basically, a natural acne treatment is changing your diet, cleansing your internal organs and using herbal remedies to provide nutrients to organs. If you follow these few simple skincare principles, and combine them with a high quality acne treatment that includes a change in your lifestyle habits and a good natural skin care product.

The best natural acne treatment is the one that is well suited to your specific situation. But the best acne cure natural ways is to clean the skin with a suitable glycerin soap and a soft brush daily. To an extent acne can be prevented by taking the above mentioned acne cure natural ways or natural cures for acne.

Consider this, water ranks as one of the best natural treatments for acne. Today, there’s a huge variety of natural acne treatments in the market. There are many natural acne treatments available for purchase.

Psoriasis patients around the world visit the Dead Sea very often and buy products for they found it the best natural treatment for their skin disease. Psoriasis patients should use special cleaning and cosmetic skin care products that do not irritate their skin and cause them irritations of the skin. Not only will you save time and money, but your skin will thank you as well.

Adding a good multivitamin to your daily regimen will also help your body beat acne “from the inside out. Stress is popularly thought to be a cause of acne. In women, acne can actually be caused by two different hormones.

Copyright (c) 2007 Seth Lewis

I am dedicated to helping people stay informed about curing their acne. For more information about how you can keep your face free from acne, please visit http://www.acnetreatmentbook.com

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In this article you will find out the best acne treatment in the world. It is not zinc supplementation, the 3 day apple fast 'cure', mega doses of vitamin b-5, expensive acne cleanser systems, 'miracle' acne pills, drinking gallons of water everyday or any other costly, time-consuming and impractical treatments.The best acne treatment is easy, clea...

Natural Acne Treatment Is Simple As Well As Effective
Have you tried over the counter remedies for your acne, with no luck? If so, you may want to consider a natural treatment. Here is some information about this simple but effective treatment that may help you to feel better sooner.The major organ of the body that assists other organs in removing waste is the skin, which is often affected by acne fo...

  • Written by admin on May 31, 2008 at 11:24 pm
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Reduce Body Fat Through Exercise

Exercise and nutrition both play a very important role in the amount of fat stored in your body. Not all exercising will reduce your body fat equally. The type, duration and intensity of your routine will determine how effectively you lower your body fat percentage.

The most important rule you have to remember when trying to lower your body fat percentage, is that you don’t choose where the fat comes off from, your genetics do. If you’re trying to get a killer set of abs, doing sit ups and crunches when you have a high body fat content isn’t going to burn the fat that is covering your abs.

To get rid of excess body fat, you need to participate in activities that burn a lot of calories. Running, biking, swimming and most sports will do this very well. In addition to cardio, you also need to have a good strength training routine. Muscle burns more calories than fat so one of your top priorities needs to be building more muscle mass.

A common misconception is that to get rid of fat, you need to workout at a low intensity. While its true that activities at low intensities burn more fat, those at high intensities will burn more calories and at the end of the day, the amount of calories you burn is more important than the amount of fat you burn even if you’re trying to get rid of fat.

Running at a high intensity will burn more calories than walking at a slow intensity. Remember, to lose body fat, you need to burn more calories than you eat. Exercising harder will burn more calories and help you get to your goal quicker.

If you burn 400 calories (of mostly fat) at a low intensity versus 500 calories (of mostly non-fat) at a higher intensity, what happens to that extra 100 calories at the end of the day? The answer is that it gets converted to fat. You are better off burning it by working at a high intensity.

Exercising alone can only go so far. Remember to include a healthy diet that includes calorie restriction until you reach your body fat percentage goal.

Guide to Reducing Body Fat

Advanced Guide to Exercising

Health, Exercise and Dieting - Straighthealth.com

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We Can All be Victims of Identity Theft

Identity crime is particularly on the increase and can have far-reaching and devastating consequences. However many computer users have found that by looking at their vulnerable areas, they can very quickly institute processes and procedures which can provide them with a good degree of online security whilst connected to the internet.

According to official figures, the yearly cost for those affected by identity theft and online computer crime is of the order of $50 billion. This is is only in the United States, in the United Kingdom, the cost is estimated at over $3.2 billion over the last three years and over $3 billion per year in Australia. Luckily a White Paper produced by McAfee (http://www.mcafee.com/us/threat_center/white_paper.html) shows us ways in which we can learn from the techniques of the criminals intent on identity theft. There are many different ways in which your online security can be compromised from basic non-technical approaches to very sophisticated pieces of software that can monitor your every move on line. These techniques can lead to he loss of personal data including user names, passwords, bank details and private data.

The McAfee report provides a number of high profile and important examples of proven cases of identity theft. It also gives an idea of the type of people that are perpetrating these crimes and how they may use this data to their profit or even to carry out acts of terrorism.

By trying to look at the problem from the point of view of the criminal, potential victims can begin to understand the process that is initiated when their personal data is at risk of being violated. With the criminals often several steps ahead of the potential remedies, it will never be possible to fully guard against all the future risks, in the same way that computer viruses can never be fully guarded against until they are properly identified by the appropriate companies. However it is prudent to keep a high level of suspicion within you when carrying out any online tasks and to be cautious of any requests for information and personal data, particularly when this request comes from somebody or some organisation that you are not aware of.

For further information and resources on identity theft, internet crime and online security visit the New Identity Theft website operated by Eric Hartwell.

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But identity theft, which credit card companies such as the aforementioned are trying to thwart, is anything but humorous. Its a crime that ruins people financially, personally and professionally, often taking years to recover from.And while credit card companies and the like are doing their best to make it difficult for these thieves to succeed, ...

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Identity theft is a crime that occurs when an individual uses your personal information such as your Social Security number, name or credit card number without your permission. The thieve will use your information to commit fraud and other types of crimes. Identity theft is a serious crime.Each year over nine million Americans have their identities...

How To Get Balance In Your Business To Enjoy And Live Your Own Life

All of us baby boomers at one time or another can be driven crazy
trying to juggle everything we have going on!

In particular women! Especially working women and/or women
who run a business!

I’m not trying to push the men aside but women usually have quite
a bit of responsibility including taking care of the men in their lives
and with the baby boomer generation many may also be caring for
aging parents.

For the last ten years while building a home business and career in
Network Marketing I’ve had to juggle family responsibilities, taking
care of the home front and also find the time for myself which is oh
so important! Because if we’re stressed and maxed out then no one
wins! So self-development has been a major part of my success
over the years.

The point of having a business is owning your life! If you have no time
to have fun and enjoy your life then you’re not living much of a life are
you?

So how DO we balance our very busy stressed filled lives?

Here’s a few tips that I’ve used over the years sometimes learning the
hard way!

First of all DELEGATE DELEGATE DELEGATE!

This is a tough one for those of us with DRIVER personalities. We
want to do it ALL and get the credit to boot.

It’s great to be a recruiting machine, win all the awards, make the
most money, be on the top at all times, etc. but remember this can
also set us up for doing most if not all the work and can stress
us out to the max! I know because I was like this.

You know the ole, if I don’t do it myself it won’t get done right.

I love recognition too. I’m a Ruby, driver personality but I’ve
also got a lot of the Pearl , helper personality. In the beginning
I was helping TOO much. Doing TOO much for people. Giving TOO
much to the wrong people. You know the Mother Teresa syndrome.

Through Lot’s of growing, learning and developing, I’ve learned to
marry them both and balance them out together so that I’m doing
a lot more delegating to the right business leaders.

I’m making a lot more money and most importantly living my own life!

So what’s more important to you? Making a great income or having a
great title? Title’s are more like corporate America . They make you
feel important but most titles don’t always pay that well.

For instance, just look at the title of teacher? Teachers are very
important and we certainly need them but do they make a great
income? Usually not and that’s really unfortunate.

My husband has several great titles like a college degree and five
professional survey licenses AND Vice President of his company
for ten years and guess what?

Little ole me with no great titles to my name makes twice as much
income as he does!

He’s always gone for security and I thank God for that because
he’s supported me for ten years while I’ve built a career in
Network Marketing! Now I’m securing our future.

Being a smart entrepreneur that loves to win does pay well!

In Donald Trump and Robert Kiyosaki’s new book ‘Why We Want
You To Be Rich’ they mention the quadrants again that Robert
talks about in his Rich Dad Poor Dad books.

People in the ‘B’ quadrant or Business quadrant hire PRESIDENTS!

That means they delegate!

How do we know who a good president for our business would be?

These are the people we’ve surrounded ourselves with that we trust,
the ones that SHOW UP and prove they are leaders. These are the
only people we delegate too.

What you have to do in your Network Marketing business is
find you some really good presidents to delegate to! You may need
10 or 15 of these presidents depending on your program. These are
the CEO’s of your business. Surround yourself with top people at
all times.

Having a great team gives you leverage! This isn’t something I made
up. Robert Kiyosaki said it and I just happen to have one so know
it’s true!

Constantly be working on yourself and becoming the best
you can be and finding other like-minded people just like YOU!

Learn how to clone yourself! Teach others what you do and then
delegate to them to do the same. Learn to let go and see others
get the credit too. They win and so will you.

Trust me, you’ll make plenty of money and you’ll have LEVERAGE.

Ahhhh, the cream-dela-cra of Network Marketing.

So many people are busy doing all the work that they never quite
experience the Leverage that is so wonderful in this industry! They
are the ones doing all the sponsoring and not duplicating themselves.

So this is crucial to understand if you want to live your own life.

Delegate other separate around your household too. If
you can afford it hire a housekeeper. If you have teens delegate
specific chores to them and hire them to help you with your
business. I hire my son to help me with administrative duties
in my business. There’s some great tax advantages in doing
this too!

Make sure you have a separate checking account, debit and
credit card for your business and hire an accountant to do your
taxes that understands home business tax deductions.

Make sure you are leveraging tools effectively that help you save time
like

Autoresponders, personal websites, Group Mail, Email, Conference
Calls, Recorded Calls, Sizzle Calls, etc. These are all tax deductable
too!

Then teach the presidents you sponsor how to use them too.

Put a system in place for your presidents to plug into and have their
presidents duplicate.

If you do not have a system in place then find someone who does
(usually your upline partners) and plug into their system, learn it,
and then duplicate it by having all your presidents do the same.

This is what I’ve done and it’s worked really well to provide the leverage
to enjoy and own my own life.

PS After finishing up this article I went back to read another
chapter in Donald Trump and Robert Kiyosaki’s new book ‘Why We
Want You To Be Rich’ and lo and behold what did they say was the
key to financial freedom, enjoying, and living your own life?

LEVERAGE! Guess I HAVE learned a thing or two over the last
ten years!

Copyright 2006 by Sue Seward. All Rights Reserved.

Sue is a wife, mom, entrepreneur, top income earner with her company, who has been working from home online since 1996. She encourages millionaire mind thinking and shows people how to develop valuable connections online and turn them into lasting relationships for long term business profits. She is also a public speaker and published author of numerous print and electronic articles as well as coauthor of the book ‘Build It Big: 101 Insider Secrets From Top Direct Selling Experts’. To find out more about how Sue builds her business online visit http://www.eCommerceHomeBiz.com

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Walk-In Closets and Dressing Areas - Lighting Considerations

In older homes, the closet was generally designed as a very small room located in bedrooms or in a hallway, usually by the front and/or back door. Its purpose was strictly for storing clothing or other items that were not on display year-round. A single, ceiling mounted incandescent bulb of relatively low wattage, typically provided lighting.

Most newer homes and particularly new construction have moved toward the walk-in closet and/or dressing room, particularly in the bedroom(s), as a more desirable alternative to the outdated clutter-collecting closet. If you have been new house shopping, Im sure you will recall positive comments when the walk-in closet areas were discovered.

If you are planning to include walk-in closets/dressing room(s) in a remodeling plan, there are a number of things to keep in mind. Many if not most municipal codes have restrictions on the types of lighting that is permitted in an area designated as a closet (or any area where clothing is stored). These codes often include limitations on lighting allowed in a dressing room where clothing is also stored. Without going into great detail, codes usually prohibit exposed incandescent bulbs because of their potential as a fire hazard. Some codes even prohibit exposed compact fluorescent light bulbs (CFLs). Even though your remodeling plans will more than likely be subject to review and approval by your local building department before a permit is issued, you may want to double-check with them with respect to the planned lighting in the areas we are discussing.

Although usually not prohibited by code, a skylight or outside window is generally not a good idea in an area where clothing is stored because natural light will fade clothing over time. If an outside window is installed, be sure to include sun-blocking shades as part of the plan.

My top recommendation is to consider an alternative to true natural light in the form of full spectrum fluorescent lights. These fixtures were originally designed to be used as grow lamps for indoor plants but have evolved to the point where a wide variety of this type of lighting is available. This is due, in part, to the role that they play in alleviating some of the symptoms of what is called seasonal affective disorder (SAD).

Individuals suffering from SAD, experience a variety of unpleasant symptoms during seasons of the year when natural sunlight is not readily available. The 5000 degree Kelvin fluorescent is not the best choice for a dressing room because it tends to cast a light with a bluish tinge that does not flatter your natural skin tones. The 3,500 degree Kelvin fluorescent provides warmer light and provides the user with light that will allow make-up to be applied that will look good in the daylight or under incandescent light bulbs.

While recessed can-type fixtures can be attractive and stylish, there are some special considerations to keep in mind if you plan to use them. First, make sure that code permits them if the bulbs are not covered with a lens, and second, make sure the cans are equipped with directional wall washer trims that allow the light to illuminate the entire area with light rather than just whats directly below the fixture. You may find this specialty lighting harder to find and somewhat more expensive than off-the-shelf fixtures, but the additional cost and trouble involved in finding them is well worth it.

Avoid any type of lighting that generates considerable heat. Consider using more, lower power lights rather than just a few higher power ones. This will insure more even lighting in the walk-in closet and/or dressing room and will provide an overall softer look.

If you have a fairly large dressing area, consider directional surface mounted lighting mounted on the ceiling above the area where the clothing is hung. Another surface mounted system should be used to illuminate the area in front of the dressing mirror to make putting on make-up and clothing a shadow-free experience.

In closing, dont let lighting in closets and dressing rooms be an afterthought. Instead, give it just as much attention as you do to the rest of your homes lighting design.

Chuck Lunsford is the content manager for LightnBreezy.com, a well-known source for closet and dressing room lighting fixtures. LightnBreezy.com features hundreds of products to choose from. To order your discount lighting fixtures made by Westinghouse, visit us at LightnBreezy.com.

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People give a lot of thought to really utilizing their closet space by good organization and smart space-saving design. What they forget is the need to provide closet lighting as well. Unfortunately, you cannot keep your storage area neat and tidy if you cannot see your way around inside. So proper lighting is going to be of extreme importance.Natu...

It Can Be Another Way

I dont think you came into this world to work day and night for small wages, to suffer ill health, and to be lonely. I dont think you came here to lose, over and over again.

I think you came here because you have a dream.

And this dream represents the best version of you.

All around you are people fulfilling their dreams, but their numbers are small. Its hard to meet them and draw inspiration from them.

Instead you are surrounded by those who do not have time for dreams and who are silent about what is buried in their hearts. They are afraid to speak and to know themselves.

And yet somehowyou know it can be another way.

Listen, here is what you must do.

First, you must craft a vision. It is your template for success.

Then you must educate yourself and learn what the new thing requires of you. You must study and practice in the still, small hours of the morning. You must persist past your own self-doubts and fatigue.

And this vision has to be planted upon the ground of your old reality, for the world will not move aside while you struggle to create anew.

You have to take your subconscious mind aside as you whisper to it the new version of you. It will resist. It likes the old. It likes the familiar. But if you persist, the inertia, the procrastination, the sudden, low moods with which it guards the old paradigm will begin to weaken and your messages of hope will take root in fertile soil.

Slowly, imperceptibly, things will change. Each day as you invent yourself anew while laboring with the old, you will move forward.

And one day, despite the outer and inner critics, you will prevail.

You will look upon riches and a life of ease, robust health, and an enduring relationship based on mutual affection and respect. You will do work that helps the world. You will act in a way that is pleasing to your soul.

Create a vision. Hold on to it. Study and practice. Overcome your hesitations. Things will change.

It can be another way.

Saleem Rana is a psychotherapist in Denver, Colorado. Free audio interviews on the secrets of achievement by some of the greatest success legends and free e-books on how to get what you want are available at
http://theempoweredsoul.com/enter.html

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Top Tips To Relieve Denture Pain

Dentures have come a long way since the Father of Our Country sported his wooden choppers. But denture pain is still with us. Ill-fitting dentures can feel like a pebble in your shoe. When pain starts, the first step should be to contact your dentist. Most dental pain can be traced to a denture plate that needs to be recast or remade. In fact, dentures usually have to be refitted every three or four years. If you think that you can grin and bear it, better reconsider. Sores on the mouth or gums that are constantly irritated by dentures can lead to more serious problems. Here are some pain-relief tips that you can consider to try out.

Soften up your diet. Whether you are breaking in new dentures or having trouble with older choppers, choose easy-to-chew food. For the first week or so that you have new dentures, avoid crusty breads and tough meats. Stick to soft foods such as pasta, rice, ground meat, and poached fish.

Go without. If your dentures are extremely painful, do not wear them until you can see your dentist. While this may not be an option if you have to go to work or attend meetings, maybe you can take a day off or postpone appointments until the problem is fixed. Put your dentures back in an hour or so before you see the dentist, so that he can see exactly what is causing the irritation and where.

Massage away your pain. A minute-long gum massage every day will help toughen up the tissue, which makes a stronger base for dentures. It is recommended grasping your gums between your thumb and fingers or gently brushing your gums with a soft- or extra-soft-bristle toothbrush, using a circular motion.

Give your gums a bath. Swish your mouth with a saltwater rinse - 1 teaspoon of salt to 1 cup of warm water. Be sure to spit out the rinse rather than swallowing it.

Try OTC relief. Rub your sore gums with an over-the-counter topical painkiller such as Orajel. But do not use this medication for too long. It can irritate the tissue.

If a mouth sore lingers for more than 10 days, see a doctor. Be particularly wary of a painless mouth sore. The constant irritation of a dental plate against your gums can lead to cancer. Also see a doctor if you have pain when you tighten your jaw, find it difficult to open your mouth, or click when you open and close your mouth. You may have temporomandibular disorder, a condition that affects the jaw joint.

Raymond Lee Geok Seng is one of the foremost experts in the health and fitness industry and is a writer specializing in body health, muscle development and dieting. He has spent countless of time and efforts conducting research and share his insightful and powerful secrets to benefit men and women all over the world. He is currently the author of the latest edition of “Neck Exercises and Workouts.” Visit http://www.bodyfixes.com for more information.

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What is an immediate denture: An immediate denture is recommended when it has become necessary to remove your remaining teeth but you would like to avoid the embarrassment of going without teeth as your jaw is healing. At an initial appointment impressions will be taken of your teeth and gums. From this impression models are made. Your new dentures...

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If you want to know how to get rid of a toothache then you should certainly read the rest of this article as I am going to be sharing some tips and information about exactly how you can do it.Toothache is a very common problem and many people suffer from it at some point in their lives, it can be extremely frustrating and very, very painful.Often, ...

Exercise Stress Relief Relieve Your Stress and Get Healthier
Exercise can be a quick and easy way to relieve your stress. Using exercise for stress relief has long been found to help you feel better. Exercise releases chemicals called endorphins into your body. These are your body's natural "feel good" chemicals, so starting a regular routine of exercise stress relief will help you in lots of ways.When the w...

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Missing Teeth? You Have Options!
Very often patients come into my office seeking advice on how to replace teeth that have been lost. I always explain the spectrum of options available to them. This article lists the basic options with some of the PROS and CONS of each.Option #1 - DenturesUse a denture to replace missing teeth. (In my opinion, the least desirable option to replac...

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Home Loans and Mortgages - The Selection Can Be Bewildering

For years, when someone wanted to purchase or refinance a home, the choices were simple. The buyer chose either a 15-year fixed-rate mortgage or a 30 year fixed-rate mortgage. That was it. Of course, those were also the days of twenty percent down payments, which seriously hindered the ability of many Americans to obtain the loan necessary to buy their own home. In recent years, more flexible loan types have become available and down payment requirements have been relaxed. There are now far more choices of loan types available for the borrower than ever before. That can be a mixed blessing, however, as prospective borrowers now have to do a tremendous amount of homework in order to determine which type of loan might be the best choice. The selection of loan types that are currently available can be quite bewildering, and the wrong choice could cost the prospective borrower thousands of dollars over the term of the loan.

The standard 15-year and 30-year mortgages are still quite popular. Each provides the stability of a fixed interest rate and a payment that will remain the same throughout the duration of the life of the mortgage. When interest rates are near historic lows, as they are today, these traditional choices work well for most buyers. Buyers who find a 15-year or 30-year mortgage to be within their means would probably benefit from obtaining such a mortgage now.

In recent years, as home prices have increased faster than wages, the lending industry has created more flexible types of mortgages designed to help buyers who may have trouble with traditional loans obtain financing. These types of loans tend to have adjustable interest rates:

  • The Adjustable Rate Mortgage, or ARM, has a rate that adjusts over time as spelled out in the mortgage agreement. Typically, the rate at the time of singing the loan is lower than that of a traditional mortgage, perhaps by one percent or so. The difference is that the rate can adjust over time as the market changes. The loan agreement will spell out how often the rate may change and how much the rate may change at one time. The agreement may also indicate a maximum interest rate that may be charged over the life of the loan. These types of loans are ideal for buyers who do not intend to stay in their home for more than a few years, or buyers who are purchasing in times of high interest rates, when there is an expectation that rates will drop over time.
  • Convertible mortgages are ARMs that offer the buyer an opportunity to convert the adjustable rate loan to a fixed rate loan after a certain period of time that is spelled out in the loan agreement. There is a fee charged for converting the mortgage, but the fee is typically less than the fees associated with refinancing the mortgage altogether.
  • Two Step mortgages offer an initial rate that is lower than the rate for fixed-rate mortgages for the first few years of the loan. After a set period of time, the rate increases to a fixed rate. This allows buyers to pay less during the early years of their loan, when they may earn less or need extra cash for home furnishings. The disadvantage of this type of loan is that the increase in the interest rate can be substantial, and may make the payments unaffordable for some buyers..
  • These are just a few of the types of loans that are currently available in the market. There are probably dozens of variations on ARM loans, and prospective buyers should study their options carefully before agreeing to a loan. Making the right choice could save buyers thousands of dollars over the life of the loan. Making the wrong choice could leave buyers with a loan that they cannot afford to pay. A little time spent on research is time well spent.

    Copyright 2005 by Retro Marketing.

    Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a Website devoted to debt consolidation information and HomeEquityHelp.net, a site devoted to information on home equity loans.

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    Don’t "Should" On Yourself!

    The best New Year’s resolution I ever made - and the only one I ever kept - was to never make another New Year’s resolution.

    I am dismayed by the number of people who doggedly, stubbornly make their resolutions every year - often the same ones they made the year before. Within weeks, or even days, these resolutions fall by the wayside, trampled into the dust by existing habits and ways of thinking and acting.

    Predictably, this perceived failure to execute becomes a blunt instrument for self-flagellation, evidence of a lack of commitment, general bad-personhood, and overall unworthiness.

    Talk about setting yourself up for failure!

    Establishing new habits is hard. Evidence suggests that it takes at least three weeks - that’s a full 21 days! - of consistent action to create a new habit; eliminating an old habit is even more difficult. And most of us make resolutions based on what we believe we should do (or should not do), rather than what we really want to do (or not do). Furthermore, we state our resolutions in fuzzy terms: Eat less. Exercise more. Be more organized. While these are certainly virtuous and valuable objectives, there is no way to measure your achievement. What’s “less”? What’s “more”?

    The start of a new year is an obvious choice for self-evaluation, setting goals, and making plans. By applying a little creativity and thought, we can set ourselves up for accomplishment and achievement instead of disappointment and discouragement.

    First, take a few moments to frame your thoughts as desires and goals. You don’t really want to eat less and exercise more; you want to look and feel better and live a healthy, active life. You don’t really want to be more organized; you want to navigate easily through your daily tasks. When you use positive, active terms to describe your desired outcome, you advance along the path to success. Contrast this to how you feel when you tell yourself you’re an over-indulgent couch potato living amidst clutter!

    Once you have your aspirations stated in words that excite you instead of depressing you, you’re ready to describe how your achievements will look and feel, and what specific steps you will take to get there. For instance, you may choose to take a vegetarian cooking class to learn ways of including vegetarian meals into your weekly menu; you might finally break down and get the puppy your kids have been clamoring for so you can take daily walks with the puppy and the kids; you might consult with a professional organizer to create systems that work for you instead of making you feel straitjacketed with rules and regulations.

    The challenge I offer you, then, is to throw out all your old New Year’s resolutions and craft exciting, positive lifestyle goals with clearly defined, creative, and fun steps to a measurable result.

    “Now there are more overweight people in American than average-weight people. So overweight people are now average. Which means you’ve met your New Year’s resolution.” Jay Leno, American writer, actor, and humorist.

    (c) Grace L. Judson

    Helping professionals who loathe corporate politics and want to lead with integrity and compassion.

    About the Author

    I’m Grace Judson, the founder of and driving force behind Svaha Concepts.

    Feeling trapped between your career goals and your loathing for “playing politics”? You can remain true to your values and integrity and still be politically savvy. For more information or to access my free resources (including my free workbook “The Five Deadly Shoulds of Office Politics that Maul, Mangle, and Murder Careers (and what to do about them),” please visit Svaha Concepts’ website.

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