October, 2005


28
Oct 05

Consolidation Loan

 Federal Consolidation Loan

Consolidation Loans are a form of debt consolidation. Debt consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan.

Debt consolidation can simply be from a number of unsecured loans into another unsecured loan, but more often it involves a secured loan against an asset that serves as collateral, which is most commonly a house. In this case a mortgage is secured against the house. The collateralization of the loan allows a lower interest rate than without it, because by collateralizing, the asset owner agrees to allow the forced sale (foreclosure) of the asset in order to pay back the loan. The risk to the lender is reduced so the interest rate offered is lower.

The Federal Home Loan Banks are an essential source of stable, low-cost funds to American financial institutions for home mortgage, small business, rural and agricultural loans. With their members, the FHLBanks represent the largest source of home mortgage and community credit.


28
Oct 05

Wild Smoked Salmon

Wild Smoked Salmon

Salmon is a popular food, and reasonably healthy due to its high protein and Omega-3 fatty acids and its overall low fat levels. The salmon you purchase can be farmed salmon or wild salmon. Wild salmon is caught in rivers, and is considered to be organic.

Smoked salmon is salmon, typically a filet that has been cured using salt and generally sugar and then hot or cold smoked.

Cold smoked salmon is known as “lox.” The cold smoking does not cook the fish, resulting in its characteristic smooth texture. Lox is sliced very thinly and is often served with cream cheese and/or on bagels.

An additional method of preparing smoked salmon is called Indian Hard Smoked Salmon. It is first kippered with salt, sugar and spices and then smoked until hard and jerky-like.


28
Oct 05

Lobsters

Lobsters Lobster thermidor seafood

Lobster is best eaten fresh, and they are normally purchased live. Restaurants that serve lobster keep a tank of the live creatures, often allowing patrons to pick their own.

The shell of the lobster makes eating them a slow process, requiring a number of implements but once you dip it in some delicous butter, oh boy was all that peeling worth it! The majority of the meat is in the tail and the two front claws, but smaller quantities can be found in the legs and torso. Lobsters are often eaten plain, or with butter, lemon juice or white vinegar.

Lobster can also be cut up and used in a wide array of dishes. One popular way of serving lobster was to combine it with steak in what became known by the 1960s as surf and turf.

Lobster is most commonly cooked by placing a live whole lobster in a pot of boiling water. Some consider this method cruel, and a more humane way of killing them is by inserting a knife into the back of their head and slicing downward.


28
Oct 05

Beluga Caviar

Beluga Caviar

Caviar is the processed, salted roe of various species of fish, most notably sturgeon. It is commercially marketed throughout the world as a delicacy and is eaten principally as a garnish or spread, as with hors d’oeuvres.

Today the best caviar comes from sturgeon fished from the Caspian Sea by Iran and Russia.

Beluga caviar consists of the roe (or eggs) of the Beluga sturgeon found only in the Caspian Sea. This fish is currently considered to be endangered, or at least depleted in numbers. Beluga is also the most expensive of caviars.

As with most caviars, Beluga is usually handled with a spoon made of mother of pearl, bone, or other non-metallic material, as metal utensils tend to impart an unwelcome metallic taste to the delicate and expensive roe.


28
Oct 05

Homeopathic Cures

Homeopathic Cures

Homeopathy is a system of alternative medicine, notable for its controversial practice of prescribing water-based solutions that in many cases do not contain chemically active ingredients.

Homeopathy calls for treating “like with like”, a doctrine referred to as the law of similars. The practitioner considers the totality of symptoms of a given case, then chooses a remedy that has been reported in a homeopathic proving to produce a similar set of symptoms in healthy subjects.

This remedy is usually given in extremely low concentrations prepared according to a procedure known as potentisation, because it is held that this process gives higher dilutions more therapeutic power.


28
Oct 05

Reflexology

Reflexology

Reflexology is the practice of stimulating points on the feet to help other parts of the body and improve general health.

Foot reflexology. The foot reflexologist applies pressure to points on a person’s foot. In reflexology, the foot is divided into a number of reflex zones corresponding to all parts of the body.

Reflexology can be practised at home, with the right instruction. Because reflexology is non-invasive, it can be learned quickly and used to achive health benefits.

You can learn more about reflexology online.


28
Oct 05

Soy Candle

Soy Candle Business

A soy candle is a light source consisting of an internal wick made of hemp which rises through the center of a column of soy wax.

Soy candles are superior to wax or parrafin candles because they do not emit soot or smoke. Soy candles are also environmentally friendly – their natural hemp wicks contain no lead.

Fragranced candles made of soy provide stronger fragrances than other candles.

Soy Candles are becoming very popular because all the materials are natural and biodegradable. They emit less toxins than parrafin and wax candles.


28
Oct 05

Mind Map

Mind Map and mindmapping mind mapping

A mind map is a multicoloured and image centered radial diagram that represents semantic or other connections between portions of learned material.

Mind map has many applications. One can also use mind maps as a mnemonic technique or to sort out a complicated idea.

Mindmaps can be drawn by hand, or can be more sophisticated and created by mind mapping software.


28
Oct 05

Subliminal Learning

A subliminal message is a signal or message designed to pass below (sub) the normal limits of perception.

Subliminal Learning involves the use of these messages to help you change your behaviours (such as overeating), learn new skills (such as speed reading), or other self-development reasons.

You can listen to subliminal tapes and CDs for any subject. Subliminal messages over time can make the changes inexpensively and without effort. You can listen to subliminal messages while driving, watching TV or sleeping.

In the everyday world, many have claimed that subliminal techniques are used in advertising and for propaganda purposes.


28
Oct 05

Chiropractic

chiropractic

Chiropractic, also known as chiropractic care, is a health care discipline that claims to prevent and treat health problems by using spinal adjustments in order to correct spinal dysfunction, or subluxations. Chiropractic asserts that the brain and nervous system control and coordinate all the body’s functions in part through nerve branches that exit from the spinal cord between the vertebrae. Some Chiropractors infer a causal relationship between nerve interference or compression at the spine and subsequent problems in more distant parts or organ systems regulated by the nerve.

Practitioners of chiropractic are called chiropractors or chiropractic physicians. In the United States they receive the degree Doctor of Chiropractic, (D.C.) and commonly refer to themselves as doctor. Chiropractors are licensed in all jurisdictions of the United States of America, in addition to many other countries throughout the world.