Archive for April, 2008

Car Title Loans Offer Risky Cash

Tuesday, April 29th, 2008

Payday loans have received a lot of negative press lately as states and municipalities try to regulate an industry that legally lends small amounts of money at interest rates that can reach a breathtaking 1000% per year. A less well-publicized variation on the payday loan is the car title loan, which requires the borrower to provide his or her automobile as collateral for the loan amount. While this type of loan is not as widely publicized as the payday loan, the car title loan is even more dangerous, as it could cost the borrower their car!

Payday loans, also known as cash advance loans, are unsecured loans. The lender trusts the borrower to pay back the money within two weeks. This type of loan is risky for the lender, but that risk is more than offset by the high interest rates charged for the loans, which can easily top 400% on an annualized basis.

A car title loan works differently, however. With this type of loan, the borrower offers his or her car as collateral and is often asked to provide a spare set of keys when the loan is granted. Should he or she default on the loan, the car will be forfeited and sold to repay it. In some states, the lender may sell the car and keep all of the proceeds from the sale, even if they exceed the value of the loan.

With collateral, one would think that the interest rates for such loans would be far less than for payday loans, but that is not the case. Nationally, interest rates for auto title loans average about 300% per year, which hardly makes the loans a bargain. In addition, the loan amounts rarely represent more than a fraction of the value of the vehicle. A loan of even half the vehicle’s value would be regarded in the industry as quite generous.

The same sorts of problems that occur with payday loans also happen with title loans. The borrower is often unable to repay on time and must extend the loan by paying an additional fee. Under some circumstances, it is possible for the fees to eventually exceed the value of the loan itself. And unlike other loans, the borrower is under pressure to avoid losing their car.

This type of loan is overwhelmingly weighted in favor of the lender, who will end up with something of far greater value than the loan should the borrower forfeit. Those who have short-term cashflow needs would be well advised to borrow from friends, relatives or a credit card instead.

©Copyright 2006 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including LemonLawHelp.net, a site devoted to information regarding auto lemon laws.

The Groomsman - Gifts He’d Like to Have

Monday, April 28th, 2008

If you could only read the mind of your groomsman, you’d know what to get for him without racking your brains. Men can be fickle too when it comes to their taste, but you can play safe with the choice of gift for your groomsman.

The Groomsman’s Mind

If your partner-in-life-to-be has chosen his best friend to be his groomsman for your wedding, it would be easy to choose a gift for him. The worries however are: would he like the gift? Does he have use for it? Does he have a collection of similar items? Will he be bored with another of those groomsman gifts you hastily bought online?

No worries. You don’t need a psychologist to peek into the mind of your groomsman. You’ll know what he needs at the moment by just observing him and listening to the man of your life gush about the guy. Funny, but you may need some covert sleuthing to be right on target.

How to Read Your Groomsman’s Mind

Invite him over to have dinner with you and your fiancé, or ask him to join you for a day at the beach. Then clue in to the following groomsman gifts and hit the bull’s eye:

If he offers to pay for dinner and rifles through his wallet for a bill, then give him a personalized magnetic leather money clip. You won’t miss with the prima leather executive front-pocket wallet with credit card slots and money clip by Tony Perotti.

If he shows up late, balancing bottles of wine for your beach party, then give him an alarm clock or a double wine bottle leather wine carrier and presentation case. He’ll whoop and hop with glee for this thoughtfulness.

If he likes to strut his stuff, then give him jewelry. You won’t go overboard by giving him the Havana stainless steel with Rosewood and Mother-of-pearl pendant. It’s a sure thing he’ll start a career as a groomsman. Gifts like trendy jewelry will make him feel truly special.

If he is one of those young men who contributed to the comeback of ties, then give him the Dolan & Bullock 14-Karat Gold Tie Chain to wear for those special dinners.

A laptop backpack in top grain Napa leather by Royce is the fitting gift for a groomsman who loves the outdoors and can’t live without his PC.

Go Personalized

The groomsman will always be a friend for life. Show him how you have appreciated his role during the hectic wedding paces. For an additional $5.95 have his name engraved on the items. A special message will bind your friendship for years to come.

For sure, he’ll show off your token carefully selected from a showcase of groomsman’s gifts online. As always, it is the thought that counts and taking that extra effort will be both rewarding to you and your best man.

Online Shopping

Shop without the stress. After those calls to the caterer, and gown fitting sessions, or negotiating for the venue, get your PC and shop together. You and your partner will enjoy the break. You can also shop for beautiful gifts for your bridesmaids and ring bearer on top of browsing through groomsman gifts ideas.

It is fun shopping for groomsman gifts online. Check out the hot money clip wallets and hip flasks, all at ExecutiveGiftShoppe.com now.

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Are You Drinking Dead Water or Living Water?

Sunday, April 27th, 2008

Living Energized Water

The Earth is made up of mostly water and so are our bodies. In this lies a crucial key that we should be paying attention to.

There is dead water and living water, also known as energized water. Not all water is the same and not all water is good for you.

Living water is considered water that carries life force energy.

  1. It is believed to have five important characteristics.

  2. A strong life force charge

  3. An abundance of vital minerals, like calcium, magnesium and other trace minerals

  4. Clean and pure, not polluted with chemicals, harmful bacteria or other biological contaminants

  5. Small clustered water molecules

  6. High antioxidant properties from high electron availability

Dead water on the other hand, is over filtered or contaminated water. It is depleted of all of the above properties.

Living Water Pioneers

There is much to be learned about water. Study Viktor Schauberger and the recent work of Masaru Emoto and you will learn some fascinating mysteries about water.

Schauberger (1885-1958) was a man of nature and his close relationship to the forests he loved led him to observe the intriguing nature of water. He studied its movement and other phenomena and learned that water held great life giving properties not acknowledged by the scientific community.

His studies and knowledge of water are still revolutionary today. He created technology whereby lifeless water can be revitalized to “living water”.

“They called me crazy. I hope that they are right. It is of no greater import if another fool wanders this earth. But if I am right and science is wrong - then may the Lord God have mercy on mankind.” Viktor Schauberger.

Masaru Emoto (1943-present)is presently well known for his experiments with glasses of water that he exposed to emotions, prayer, pictures and written words. The water was then frozen and the crystaline structure was studied and photographed.

His amazing photos show how the crystal structure of the water varied remarkably with each different exposure. For example, a positive exposure like taping the word “love” to a glass of water led to beautiful, symmetrical crystals and a negative exposure like the word “hate” created chaotic and unbalanced crystals.

Mr. Emoto believes the water crystals show “true nature” and are an important look into the mysteries of water.

You can also look to the Bible and learn what is written there about living water.

As in the Book of John, “When the Living Water entered the turbid water, the Living Water lamented and wept.”

Water was laid on this earth to bring forth life, and we are tainting it and making it that which takes life away.

Dead Tainted Water

When my daughter was a baby, I learned about the chemicals put in municipal water supplies, such as chlorine and fluoride and the imbalances this creates in our bodies.

According to the Clinical Toxicology of Commercial Products, fluoride is more poisonous than lead, and just slightly less poisonous than arsenic. Fluoride is used as rat poison.

In the human body, it destroys enzymes. When enzymes are damaged it affects the immune system, digestive system, respiratory system, blood circulation, kidney function, liver function, brain function and thyroid function.

If you start investigating the harms of fluoride, you’ll quickly learn that it does not have the benefits it is touted to have but quite the opposite.

Chlorine in our drinking water is a bad story too.

It is a labeled a pesticide by the EPA. We know chlorine kills living organisms, like when you put fish in chlorinated water. If chlorine kills animals, what is it doing to you?

In studies, chlorine has shown to be carcinogenic. Increased rates of rectal and bladder cancer are linked to long term drinking of chlorinated water. Chlorine is also a hormone disruptor, harms the thyroid, upsets the flora of the digestive system and is linked to miscarriages.

Since our skin is the largest organ of our body, and because it is very absorbent, it is important not to allow these chemicals on our skin either.

As you can see, it is very crucial to pay attention to the water you are using.

Which Water Source is Best?

Trying to figure out which source of water to drink can get quite complicated. There are many types of water filters, purifiers and other water products for sale.

Finding a water system that removes chemicals from the water without stripping out the minerals and one that creates living energy in the water is important and the most beneficial to health. (Visit my site at www.natural-health-girl.com/livingwater.html for more information on water systems.)

In addition to avoiding tap water with chemicals, one must also be careful of softened, distilled, reverse osmosis or other over filtered water. These systems remove too many of the minerals. In turn, this water will leach minerals from your body and possibly leave you in a depleted condition.

As Viktor Schauberger warned, if we don’t pay attention to our living water and protect it, then mankind is in great danger.

STOP shooting in the dark with your health! Get my FREE Great Awakening Natural Health Tips” and get the improved health you deserve!

Kelly Parks-Hoffman is the owner and author of http://www.naturalhealthgirl.com. She has 10 years of study in natural health. You can gain access to her free teaching services by signing up for her newsletter. Visit her site to get more valuable, eye-opening natural health information. (Articles by Kelly maybe copied for non-monetary use as long as author information and live link are present.)

“I think it is so important to share experiences. It might just be that one friend, relative or testimonial that helps, teaches or supports someone to better health without drugs or surgery.” Kelly Parks-Hoffman, The Natural Health Girl

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Saturday, April 26th, 2008

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