Business

Pro Se Primer 101 – 1 – Mortgage loan terms and documents: promissory note, mortgage or deed of trust

“Damn my eyes… The people I’ve seen… Crawling through the wreck of the american dream”

vacation ranch

Perhaps the biggest help to illegal foreclosure parties is the word “mortgage.”

In all 50 states, this word is universally misused as a synonym for “mortgage loan.” Home loans are known as mortgages as a slang term.

But, a mortgage is not a home loan at all. It is simply the name of an incidental, but non-essential, instrument used to define the security that a borrower of any type of loan has agreed to pledge as security for the repayment of a loan. The lender and the borrower have agreed that the collateral promised by the borrower will be forfeited in the event of default. The term mortgage evolved from the fact that the mortgage loan included the property as collateral. The mortgage described the guarantee. In fact, the correct name for this type of document or instrument is “security instrument”.

The term “mortgage” is used to identify the security instrument in most judicial foreclosure states. But, in most non-judicial foreclosure states, it is known as a “deed of trust.” In all 50 states, it is the Note that binds the borrower to their debt.

Additionally, in all 50 states, the security instrument is only needed or used when a borrower signs a Promissory Note as physical evidence of money borrowed and used for the purpose agreed to by both the lending and borrowing parties. lend. This security instrument (remember, it may be called a mortgage or deed of trust) is used only if the borrower finishes repurchasing their Note (ie, paid off the home loan), or becomes unable to repay it.

This is important to remember because court judges do not know how real estate deals work and are being misled over and over again by their perception of the situation and not the law. You must make the judge understand that the Note is not the top priority. Debt, or money, is the real real. It was the money that paid the house. The Promissory Note is the physical evidence that a money loan was made. But, each executing party must prove how they legally came to possess it. Possession of the Note is no more proof of ownership of the loan than possession of a car is proof of ownership of that car. Proof of ownership must come from contracts, transfers, cashier’s checks, etc. involved in the deal. The constitution says that without “concrete and particularized” evidence to support claims of the right of performance, there is no right of performance.

You do not owe a Promissory Note to the Holder at the Maturity of your loan, you must repay the money you received as a loan. The Promissory Note is important because it is all that exists to evidence the debt in case the borrower pays everything or does not finish paying. We focused on directing that message to the judges. The enforcement party as a debt collector will focus on the words of his claim and only the words and not the money he represents.

If you did not receive the money from the lender in the name of your Note and Security Instrument, then there is no way for either party to claim that they purchased the Note legally. The fraud is that they just say they have the Note and don’t even try to prove how they got it. Without proving this affirmation with “concrete and specific” proof, then the Promissory Note that they claim to have is null. A debt collector cannot collect money from someone who does not owe you money.

The debt collector must show that they have the right to collect (foreclosure is an act of “debt collection”), so they must also show beyond a doubt that you paid money for your Note before they can require you to return the money. No borrower can be forced to pay someone he does not owe. I am convinced that 100% of home loans made after 1999 or possibly even earlier named a lender who did not give the borrower any of the promised money. Yes, the borrower absolutely got the money, but from whom? He must pay only the real part in interest.

The collector must prove that it was him or them. Once a borrower has spent the borrowed money for its intended purpose, there must be evidence of the loan and repayment terms. The promissory note is that evidence and is the essential proof that a loan has been made and is due. If the borrower and the lending party have agreed that something substantial is needed to ensure that the lending party can get back the money they lent, even if the borrower is unable to pay it back. The borrower may pledge something of his property as security commonly called collateral.

Some synonyms of the word collateral are: surety, guarantee, guarantee, insurance, compensation, support, compensation; as in “she put her house up as collateral for the loan”

There is a great deal of confusion caused by the use of the word mortgage to refer to a home loan. Part of this is an innocent evolution of the terms Promissory Note and Mortgage, which in the past formed part of a document or instrument.

But, today, criminal enforcers (I don’t use the word lender here, because very, very rarely is the enforcer the actual lender or even the legal owner of the Essential Note) are using mortgage assignments (or deeds of trust to supposedly transfer ownership of your loan, but in reality they are taking advantage of the common misuse of the word “mortgage” as slang for “mortgage loan.”

It is an intentional act of deception and misrepresentation, since there is no assignment of the mortgage. Only the assignment of the Note can transfer ownership of a loan. But, it is done simply by endorsing the Note itself, just like you would endorse a check to deposit into your bank account at your bank, or to take cash.

The mortgage, like the description and security agreement, always follows the Note as it is essential to a loan. The Note never follows the assignment of the “incidental” mortgage.

The United States Supreme Court outlined this in the case of “Longan v. Carpenter” in 1872, and since all Supreme Court rulings and orders of the United States Supreme Court are binding as law in all courts of the nation. All courts are arms of the Supreme Court of the United States.

I learned a lot of what I know as of 2012 from reading authors who seemed to be trying to help borrowers who were locked in fraudulent foreclosures. Today I know that these authors help at the same time. they were unclear on these issues and the real intention was to find a way to make money off of misinformed borrowers. I had an advantage over most borrowers because I am not a lawyer. However, I have long been a mortgage loan specialist, because I am both a real estate broker and a mortgage broker (here the term mortgage is once again misused by me).

What we call a lender (amongst worse names) told the borrower that they were going to lend him money to buy your house, but the lender can’t trust everyone to know that you borrowed money. There must be evidence that you borrowed money and that you know who lent it to you.

So if I lent you $200,000 (dreamer) and you gave it to the seller of the house, the money is gone. What is left when the money is delivered to the seller of the house? All that remains after you, the borrower, have paid the money to the seller of the house is the debt owed to the lender, which is the “debt” you must pay.

You signed the Note and gave it to the lender providing physical evidence that you borrowed the money from them and promised to pay it back according to the terms you and your lender agreed to. (This includes the interest rate, the amount of time until everything is paid off, how often you pay, and how much you pay each time you pay.)

So, the Promissory Note is evidence of the debt. (But not actually debt.) The law should require that a Promissory Note be recorded, but as we’ll see later, there is a recording that indicates that there was a Promissory Note at some point.

Now, since you promised to return the money that was delivered to you and there is written physical evidence of the money you received, then we can say that the Note is essential to the deal you have made. For many hundreds of years, everyone knew that the Note (many professionals and other puppets like to say “I Note”, but I have learned to say it exactly how it should be said).

However, for literally hundreds of years, everyone has known that the Note is the only indispensable piece of a mortgage loan.

But, the lender paid for the house for you and that house is really the best collateral for him to tie it to the loan you made. There is no law that defines what you and the lender can agree on as what you will promise the lender in the event he can’t repay the money he borrowed, but the house he is buying with that borrowed money makes logical sense.

In today’s world (after 1994), you probably couldn’t have convinced a lender of any other security, so you probably signed an Instrument of Security that describes the property and what happens when you have repaid all the money, or What happens if you cannot repay the money in accordance with the terms of the Note.

The security instrument is, then, a kind of rule book about what will happen if everything goes well and what will happen if things don’t go well. More simply, the Security Instrument is the rule book for the loan. It describes the Note and is the guide you will use if A. You pay the Note you signed to get the money to buy your house and B. You do not pay the Note.

A better description might be that you don’t really pay for your house as we often think. In effect, you buy back the Note you signed and issued to get the use of the money. When you finish buying back your Note, you used to retrieve the Note marked PAID. But, the banking world influenced legislative bodies across the country to allow shortcuts to this, further confusing the judges.

The promissory note is no longer evidence of any debt, because when you have paid all the money you agreed to, you no longer owe a debt. People used to party and burn the Note when it was returned to them marked paid and this subsequent purchase of a Note can be defined by the term “free and clear”. This term means free of any link.

Home Kitchen

The Custom Shoppe Furniture Review: Design Your Own Fine Furniture

In this The Custom Shoppe furniture review, we explain how the company helps you design your own fine furniture by selecting from a number of variables on offer that allow you to modify standard pieces to your specific needs. This furniture manufacturer not only offers a wide range of bespoke furniture, but you can also choose from their standard products without modifications.

This company began life in Wisconsin in 1981. A few carpenters got together and began making custom furniture, eventually developing the company to produce a line of furniture that was easily modified in all three dimensions: width, length, and height. It developed to the point where he could select his own initial designs and his own woods – the closest thing to fully bespoke furniture at mass production prices.

The Custom Shoppe: what it offers

Custom Shoppe offers many things that you would never find in a regular furniture store, online or offline. It has developed a range of standard products based on the wishes of previous customers. You can then modify these layouts to suit your needs. Your furniture is not stored anywhere, it is made specifically for you.

Given this degree of customization, your order can be ready in approximately a month. If your order is very large, it will take longer, but a month is incredible for furniture made to order by skilled carpenters. This material does not come from Taiwan or China, but from the US and is made from solid wood, not, in their words, ‘compressed sawdust’.

Who designs Custom Shoppe furniture?

You do! You may not be the best furniture designer in the world, but you can design your own furniture by checking the boxes and filling in the numbers, no drawing or sketching required! Just choose a base template and let them know your dimensions and modifications, and you’re all set to go.

Instead of building loads of furniture and hoping people like and buy it, the Custom Shoppe does what the name suggests: offers what it calls “a toolbox of options” and you do the rest! How cool is that!

Alternatively, you can choose from the standard items they have to offer without further modification. These are high quality pieces made with the same high level of craftsmanship that you would get if you had designed your own custom furniture.

Who makes the furniture?

The people who make up the company make the furniture by hand. There are no employees as such: they are all in this together. Each joint is hand-cast and hand-glued, and each dowel, dowel, and screw is inserted by hand. Custom Shoppe furniture is truly handmade.

Each person in the company designs their own furniture for you to modify and decorate their own offices; there is no ‘us and them’; This is a business where creativity and originality are encouraged and recognized. You design what you want and they make it, then you pay. What more natural than that! No assembly lines and no massive overhead.

The Custom Shoppe Review: Product Range

The product range is extensive. You can design your own office from scratch, at home or at work. Choose which pieces you want and in what size. Choose your own wood: oak, maple, pine – you name it, you can have it. Design your bedroom wardrobe with as many doors and drawers as you want, and choose your bed, as long or as wide as you want. If you’re a seven-foot giant, no problem at The Custom Shoppe.

Do you want a kitchen? No problem with furniture from The Custom Shoppe – choose your cabinets, countertops, doors, hardware, and even your type of glass. You can have your choice of handles on your cabinets or touch-open hinges.

The custom store: negative aspects

Like any other company, this business has some negative aspects. They’re pretty bad at the tables, but they probably have their reasons. The longest you can get is 5 feet, or for a round table, 3.5 feet. It serves no purpose other than a small family dining table. Your choice of wood is solely maple or cherry, but they can be painted or lacquered in different colors. If you want a beautiful polished French dining table for 10, look elsewhere.

No other negatives to be honest. You get what you pay for, and The Custom Shoppe furniture prices are very reasonable for furniture made to your specifications. It is less expensive than many of the major manufacturers and the quality is good. What more can you ask!

Auto

The Phases of the Manifestation – Part 4 – Facts and Actions

So far we have discussed the areas of thoughts and words. The third secret of the three secrets of manifestation is our works. The ability to make sure that these three secrets align with what you truly want is essential to your ability to acquire those desires. The ability to understand these three secrets and make them point toward what you want is one of the most powerful things you can commit to understanding and using in your everyday life. There is no greater control on the planet than self control. There is no greater knowledge available to man than the knowledge of himself. He learns to pay attention to yourself and the universe will bow before you and deliver everything your heart desires to your doorstep.

The third secret of the three secrets is works. Our works are just that, our works. Our actions. The actions we take every day dictate what our tomorrow will look like. Yesterday’s thoughts, words and deeds dictated what today was like for you. Your thoughts, words and actions today dictate what your tomorrow will be like. Life really is that simple. Everything is cause and effect. If you want your tomorrow to be different, you must do things differently today than you did yesterday. Many times people hope for a better tomorrow, but do nothing to make it happen. All the work in the world on thoughts and words without any action will do absolutely nothing for you either. True, your daily life will be a little better, however, without the realm of actions, nothing in the world is created. You must learn to act and you must learn to act the moment inspiration strikes you. Don’t wait to get motivated or for a better time or for something else to happen. Act right now and don’t stop moving until you get where you want to go or drop dead trying. Remember that action generates motivation. Get moving and the motivation to do more will follow. The first step is always the hardest step of all.

Our actions are a direct reflection of what we think and what we say. If we think we can’t do something, we’ll talk as if it were true and act to make it happen. We must be sure that our thoughts and emotions are aligned with what we want. We must make sure that we are saying that these things exist. We must also make sure that we take at least one step every day towards what we want to create. Thinking about it, talking about it, and doing something about it is the only way to create the life of our dreams.

Our actions can be expressed in many different ways. Most people think of building a house in terms of hammering nails and cutting boards, but the process is a tonal mix of actions long before hammer and nails come into play. First someone decides (thought) that they want to have a new house. Then they begin to plan (words) what it will take to make their house a reality. They decide to go (write) to a bank to find out how much money they can take out. After going to the bank and getting an approval for the loan, they find (deed) an architect to design the house. By sitting down with the architect and planning the house (both in thought and in word and deed), they come up with a plan. They then go back to the bank and get the check for the amount of money they will need. They find a contractor who then goes out and subcontracts to other contractors for individual parts of the construction process. But we’re still nowhere near ready for the hammer and nails. We still need people we haven’t yet considered to take action. To do your part. We need truckers to bring materials across the country, especially to our hometown, so we have the materials to build the house. Even before that, we need people to make the materials. Everything from extracting the metal to send it to the factory that makes the nails and hammers to the people who cut the trees to send them to the sawmill, which then sends them to the sawmill to dry the wood and then sell it. There are literally hundreds of actions that lead to what we see as a home being built.

We must realize that all our actions began when our beliefs were developed. It takes 21 days to develop a habit, and our actions are habits. Most people go to work eight to ten hours a day. After that, they go home and plant their butts in front of a TV until dinner is ready. Then they eat and go back to the brain drainer, I mean the TV. They go to bed and start the whole habit process the next day. Instead of taking some action every day to move them in a direction that leads to where they want to go in life. We must be fully aware of our habits and how we normally behave in our daily lives. The actions we take, the thoughts we use, and the words we speak. Action is a very simple process in the whole chain of creation. Either we do something or we don’t. Period. It is all the processes that build up to that and our habits that decide whether we will take that action or not. We must make sure that we overcome the negative feelings of not wanting to do something or not taking action. Once we are able to fight those feelings and the rationalization we use to justify why we shouldn’t do something, we are halfway to getting what we want. Just make sure you take action every day, keep your thoughts on what you want, and speak up to make it exist and you will surely realize all your dreams.

Digital Marketing

Social media marketing tips for businesses

Using social networking sites for marketing can dramatically expand the reach of your business. Even those companies that are doing well can gain some benefit from this method of disclosure. You will find a variety of tips in this article to benefit your quest to grow your business venture.

Do you want a connection with your customers? Keep your advertising simple when you want to increase sales through social media marketing. If you want to be on the same level as your customers, just say hello! Your customers will tell you where to go from there.

Followers can easily share your content with Facebook. If you receive a comment from someone, it will appear in that person’s feed where their friends can see it. Encourage your followers to communicate online with you and each other to improve your exposure.

New Social Media Marketing Ideas

Special offers

An excellent method to increase your followers is to offer them exclusive coupons and discounts. This practice works to improve not only your social media profile, but your results as well. Special offers encourage customers to connect with you and make more purchases.

Use social media to promote special offers. Facebook users will find more incentive to visit your page if you offer fresh content and special offers. Use social media to learn more about your target market, including their wants, needs, and perceptions of your brand.

You can draw much more attention to your business today by taking advantage of new social media marketing ideas. If people start sharing comments and reviews about your business on social networking sites, this can be of great benefit to you. Adding contests and special offers to your social media site will give readers an incentive to keep coming back and spread the word.

Put deadlines on some of the contests and discounts you offer. This can make people online more likely to pay close attention and jump on special offers quickly, before they disappear. They are likely to share these links with their friends and family.

Competition

When looking to create a Facebook page for your business, research how similar businesses use their pages on the social network. When you figure out what you think is helping them succeed and what isn’t, you can tailor your page so that it’s more successful than any other page you see. Your page must be unique and attractive.

Create a business account, using your company name, on both Twitter and Facebook. This ensures that no one else uses your company name when posting or tweeting content that is inappropriate or has nothing to do with your company. You can use this name when you are ready to get into social media marketing.

If an article is not important, interesting, or relevant, it is not a worthy publication. Your business should use Facebook to post only the most useful and intriguing ideas. Don’t share anything, just for sharing. You can share content that is hilarious or amazing to watch, but it should always be factual and relevant. Make sure they are things that people are really interested in knowing about. Avoid posting worthless questionnaires or anything that could be perceived as spam.

Use LinkedIn and connect it to your blog to increase your marketing prowess. When your blog has the LinkedIn Share button, any good content you provide can be shared by your readers, giving you a free expansion of your online presence. People will then work for you by letting others know about your blog through sharing. Since you can potentially reach 100 million people, this can be a very successful form of marketing.

Comment

Try commenting on other social media blog posts. It’s called social media for a reason. That means that to be effective, you need to socialize. To increase visibility, simply start commenting on blogs or profiles that are relevant to your own niche or specialty. It quickly becomes an important networking opportunity for personal advancement.

Delighted

It is extremely important that your site is updated and published frequently. You don’t want customers to get bored. Keep them entertained and interested. Determine your own posting hours or consider using a service capable of posting on your behalf at regular intervals. In this way, you will always be on the radar of your readers.

Create humorous content when possible. Keep the humor appropriate, but use it when you can so that you can increase the positive reaction of the reader. Anything that provides humor is more likely to be shared among friends and family. This is a very easy way to get exposure.

share buttons

Find ways to increase your reachability of contacts of friends and other users that exist on social networks. Try putting a “Share to Facebook” button at the bottom of each of your blog posts. It requires a small amount of time and effort, but the results may be worth it.

Keep customers up to date

Let your email list know that they can find you on Facebook. You probably already have a decent mailing list if you’ve been marketing for a while already. Send a link to your Facebook to everyone on your list. This makes it much easier for your existing customers to locate you.

Think about your demographics and market to these people when thinking about social media marketing and maximizing your results. Find out who is visiting your profile, and then make your campaigns even more attractive to that crowd.

Although the holidays usually mean people buy more, you shouldn’t take this as a sign that you don’t have to focus on your customers. You can inspire the holiday spirit and enjoy shopping by keeping in touch with customers during this busy time. Plan ahead for the holidays – come up with fun ideas for contests, giveaways or coupons. Your customers will have fun if you promote the Christmas spirit.

These social media marketing ideas and tips will help you get started in the new area of ​​using social media tools for marketing. If you take full advantage of the tips that have been offered here, your number of customers will surely increase. As long as you put in the necessary time and effort, using social media marketing strategies can be extremely profitable.

Relationship

Back pain in children: go to the root cause

Children suffer from many diseases and disorders in their childhood days, but chronic back pain is a rare disorder found in them. The general cause of a child’s back pain is an injury or sitting and standing in poor posture. But if there was no injury and your child still has constant back pain, do you know what to do? Well, your son needs immediate medical attention.

Back pain in children not only comes with constant, tearing pain, but is also accompanied by many other symptoms such as high fever, weight loss, behavior changes, weakness, insomnia, and nausea. You should keep a constant check on any of these symptoms and immediately report to a nearby doctor if the conditions do not improve.

The only way to get to the root of your child’s back pain is with proper medical care. You need to have an X-ray of the spine and find out the precise cause of the suffering. The correct diagnosis will only lead to the correct treatment. The other tests that can help you find the reasons for your back pain are an MRI, bone scan, CT scan, blood tests, and ESR.

Your child may suffer from back pain due to the following reasons:

Bad Postures: Children have a habit of sitting in bad postures while studying, reading, eating, and watching television. It is the biggest cause of back pain in children. You should pay attention to this regularly and correct your child whenever he has a bad posture.

Injuries: Injuries remain the most common cause of back pain in children. A minor fall can cause a pulled muscle or even strain a ligament. If not taken seriously, the problem can get worse. Pain due to injury can be effectively treated with anti-inflammatory medications. Ibuprofen is a commonly used non-steroidal anti-inflammatory drug. But these drugs should be under the medical supervision of a good doctor only.

Spondylolysis: More than five percent of children suffer from back pain that falls into this category of spondylolysis. In this disease, a fracture occurs in the lower vertebra of the spinal cord. If not cared for properly, the pain can get worse. In such situations, surgery and orthotics remain the last option. The problem with this disorder is that, in children, it does not present any symptoms. Therefore, it sometimes becomes difficult to know if the child is suffering from this disorder.

Herniated disc: Herniated disc is a rare cause of back pain in children. If it occurs, it causes weakness and numbness in the child’s body. The only treatment for this type of back pain is bed rest and surgery in rare cases.

Pott’s disease – this disease occurs due to tuberculosis of the spine in children. The disorder can be cured with the administration of antibiotics such as third-generation cephalosporins and ceftriaxone.

Discitis: This disorder occurs due to infections in the disc. The infection causes high fever, back pain, muscle spasms along with behavioral irritability. If the disorder is not treated in the early stages, acute complications can occur in the last years of life. Treatment of this disorder includes bed rest along with a supervised course of antibiotics.

Pyelonephritis: If you were thinking that back pain could only occur due to some dysfunction in the spine, you were wrong. A kidney infection also occurs which is the cause of back pain. In Pyelonephritis, children suffer from it due to sharp pain that is usually on one side of the back. The pain is accompanied by high fever and a feeling of nausea. The child may also feel pain or a burning sensation when urinating.

Scheurman’s Kyphosis: This disorder is common in adolescents, especially men. The upper part of the back takes a round shape, thereby bending the entire spine. There are two forms of this disease. One is flexible kyphosis and the other is non-flexible kyphosis. The treatment requires strengthening the back.

Spondylolisthesis: Children suffering from spondylolysis have a slip of their fifth vertebra. The sacrum is also dislocated. Severe cases of this disorder can only be corrected with surgery.

Apart from these, there are other causes of back pain in children. They are tumors or neoplasms, malnutrition, traumatic conditions, muscular weakness, arthritis and some of the other infections. But these reasons are generally rare.

Health Fitness

Cookie Diet Facts

There are hundreds of diet regimens that claim to make you lose weight faster than you ever expected, and each promises to produce better results than the next. But only a few work in the long term and the pretenders will only remove excess water from you and then you will return to your previous weight.

Only time and reputation can prove the effectiveness of a diet regimen. And such a regimen exists only in the name of Dr. Siegal’s cookie diet. This diet regimen refers to a low-calorie diet based on a hunger substitute in the form of cookies. Dr. Siegal’s diet calls for only 4 to 6 cookies a day in addition to other foods or meals.

To this day, there are already several cookie diets on the market. But Dr. Siegal’s recipe is still the best seller among its competitors. This is probably due to its long reputation and satisfactory results among the doctor’s patients and consumers. It is due to the effectiveness of this diet that his recipe has been around for more than three decades.

It was in 1975 when Dr. Sanford Siegal was doing research for a book on the effects of natural food substances on hunger and satiety that he developed his specific amino acid blend that is now his biscuits. The author and weight loss physician from South Florida tried baking cookies with this special formula and used it to control his patients’ hunger. His patients were instructed to consume a maximum of six cookies per day to control their cravings, plus a good meal for dinner consisting primarily of six ounces of chicken, turkey, fish, or other seafood. The cookies are estimated to be around 500 calories plus dinner, which ideally should be around 300 calories to make up for an 800 calorie intake per day.

The weight loss doctor’s innovation was an immediate success. In a matter of years, the number of his patients has grown dramatically and so have the success stories after using the (then) new diet. His name and his diet program spread throughout Florida, expanding his clinics, 14 of them in the state and another 10 in other parts of the United States (the number may have decreased after the split with the franchisee). Less than a decade after obtaining the prescription, more than 200 physicians were already using Sanford Siegal’s creation and program for their own patients. A short time later, Dr. Siegal devised new products such as shakes and soups with the same properties as his already famous cookies.

His cookies, baked in his own bakery in Miami, are now available in five different flavors: oatmeal raisin, banana, chocolate, blueberry, and coconut. He did not market his cookies until two years after discovering them when his son convinced him to do so. The formula for these hunger-suppressing cookies has been kept a secret from the public to prevent imitators from duplicating the product and naming the recipe after themselves. However, this hasn’t stopped them from imitating the product and because they don’t work, they just give the real product a bad name.

Legal Law

Preventive health care: why is it increasingly necessary for companies?

The annual business game plan lays out a simple framework that focuses on priorities, tracks progress, and manages every facet of the business. This proactive culture is the key to success. Our health also demands a similar game plan. Various investigations have shown that it is possible to prevent the appearance of diseases with preventive health measures. More than treating a disease, prior diagnosis through preventive tests can save an organization’s employees from a lot of anguish.

Studies have evaluated that the investment made in health and wellness programs by employers ultimately results in a change in employee behavior and attitude towards the organization. Therefore, preventive health care in companies pays big dividends in the long run.

Now the question is HOW?

Happy employees make happy customers!

On June 21, corporate India turned their gardens and cafes into an impromptu YOGA workshop to celebrate International Yoga Day! With plenty of healthy activities including free sessions with popular YOGA instructors and organizing a healthy diet for employees, the day ended well. With maximum participation, credit goes to talent hiring teams for adding life to the health and wellness dimensions of employee lives. People are health conscious and such an initiative pays off. But with employee demands increasing, it’s also hard for employers to keep up.

Employees feel supported and cared for!

Instead of comforting the criticizing and complaining workforce with unnecessary investments, it’s time to choose an option that makes a real difference. Group health insurance, accident policies, parental insurance, these competitive benefits packages attract talent, but there are other employer-sponsored benefits that are non-cash compensation but extremely beneficial. The annual survey of employee results of the American company Aflac has shown that 60% of employees would accept a job with a lower salary as long as they received better benefits.

Waves of innovation and technology have kissed the healthcare industry with exhilarating benefits and ushered in the era of electronic medicine. Online healthcare services are ubiquitous and offer various benefits for businesses, which aim to crack the business model with effective strategies. With the launch of the digital healthcare space in the organization, employers can play a proactive role in taking healthcare aspects to the next level. The e-medicine service will help employees get their check-up on time and avoid serious health complications later. Extended preventative health measures with in-house online medical facilities will never go unnoticed. After all, prevention is better than cure.

Seek medical advice before getting sick!

A very unforgivable scenario of the modern era is premature death from preventable and curable diseases. Routine checkup is therefore a mandate for everyone. Regular online medical consultation is a practice to measure health status even when we feel fit and well. Employers will go the extra mile if they instill such practices within the workforce by launching healthcare benefits that allow employees to feel relaxed all the time. A regular headache after a certain period of time at work every day can make an employee feel tense about her health. With online health consultation available, accessible and affordable, employees can speak or chat with a GP from their own workstation and reduce anxiety. It’s time to idolize, “We Care About You,” the universal motto printed in every employee handbook.

How preventive health care addresses the current health situation at work so that it does not deteriorate

“Lifestyle disease” is a very powerful term associated with the deteriorating health conditions of employees in the private sectors. We can’t escape the norms of the competitive marketplace, but we can certainly help alleviate stressors with some impactful actions. The preventative healthcare segment with technological advances has made the journey much easier for companies that have created alliances with the online medicine industries. With online healthcare via apps or desktop computers, the organization encourages its employees to create personal health records with reputable physicians. It helps them access quality health services at any time and from anywhere.

Preventive Healthcare allows employees to keep their minds at work

Attending an important meeting and leaving a sick child at home is the messiest phase in a parent’s life. In addition to applying for a half-day leave, the online health care service allows us to contact a doctor online and discuss the child’s symptoms in detail. The medical advice of a reputed doctor will certainly be beneficial. We can also get prescriptions online and have a video visit once you return home. As a parent, it is extremely important to closely monitor your child’s medical care. Our office work should not delay the necessary and preventive health measures dedicated to our children. With online health care benefits, harassment and delays in medical appointments are eliminated, allowing patients to receive treatment as soon as possible.

Help to be a considerate employer

Employers have a duty of care to a traveling employee. The effects of the change of various forms on the employee must be fully compensated by the employer. Along with the monetary benefits, it is the care factors that play a vital role. The health of the employees is of the utmost importance and the employer should empower the person with an online medical service installed on mobile applications. This will help employees to have access to doctors from anywhere and at any time. Digital healthcare is an efficient and fast medical consultation system that would provide assistance anywhere and anytime. The organization will be further praised if it extends its assistance to the families of the employees by providing them with access to online medical facilities at any time. The care-o-meter will certainly keep the employee happy and relaxed.

Workplace morale plays a big role! If the employees are healthy, they are happy, and a happy employee is the most productive. When employees understand that your company cares for their well-being and health, it builds loyalty and trust. Therefore, the benefit is mutual. While the company invests in health apps and virtual GP services for employees, they receive a substantial improvement in job performance through those affiliated employees.

Access to on-demand healthcare 12 hours a day will make employees feel relaxed at work and thus improve care.

Helps in reputation management.

An organization, whether it is based on products or services, is most concerned with its global reputation, not only as a supplier but also as an employer. Companies are often evaluated on their workplace and people management culture. Wellness programs are therefore a definitive practice that raises the banner intact. Health camps set up quarterly receive havoc responses from employees, as they feel it’s easier to see a doctor in the middle of work rather than a pre-arranged appointment. With these scenarios in mind, online healthcare industries have widened their reach among companies to build alliances and act as a preventative healthcare regimen within the organization.

Reduce absenteeism

The Associated Chambers of Commerce and Industry of India (ASSOCHAM) report on Preventive Health Care and its impact on the corporate sector states that “One rupee spent on prevention saves 133 rupees in absenteeism costs and 6.62 rupees in costs of medical care”. Increased productivity through maximum assistance is one of the main advantages of Online Doctor services.

Preventive healthcare like custom package deals

The exclusive consultation with a doctor is another of the main characteristics offered by the digital health service. Pregnant women can consult their health problems with certified doctors available online at any time through chat or call. Today, corporate ties to online healthcare industries that mandate employee health checks and such practices foster a stronger employer-employee bond that will pay off.

Strict confidentiality regarding employee health records or inquiries is highly assured.

Preventive Health is an opportunity for companies to contribute to the well-being of their employees and also their families. It is also an awareness and education program that is much needed in today’s fast-paced life, thus restoring the healthy balance much needed for a happy and productive work life.

Lifestyle Fashion

Tarot cards: prediction of time intervals within a reading

Many people, even very experienced people, have trouble deriving time intervals from the Tarot. Suppose you have cards on the table indicating that you, or a querent, will be facing a turbulent emotional time, in which you will need the support of your friends. You, or the querent, immediately ask, “When will this start?” and “How long will it last?”

How do you get the answers to these questions? My system will show you how.

I have a Tarot deck that I only use for times as well as the decks that I use for readings, with unillustrated pips and Majors that don’t interest me much. You’re never actually going to READ with this deck, so it’s best if it’s a deck that has no meaning to you. During the main reading, if there’s a problem I want a time on, I close my eyes briefly, and if I don’t hear my voice come out with a time slot, I’ll hand the querent the time deck, get them to shuffle it briefly, and then cut it at the point where the deck wants to separate (rarely in the middle). I’ll look at that card later.

I will start by describing the meaning of minors:-

1) The time intervals are provided in the speed of the suits.

Coins, like Earth, move slower, so they represent YEARS.

Cups, like Water, is the second slowest, slightly faster, so it’s MONTHS.

Swords as Air, it’s even faster, so it’s WEEKS.

Wands, like Fire, is the fastest and most energetic of all, which is why it is DAYS.

The aces through the tens are that time interval multiplied by the face value (ie the two coins would be two years, the six wands would be six days).

The pages are eleven of the unit of time, the Knights twelve, the Queens thirteen and the Kings fourteen. This already gives the deck a bit of overlap. (If you were using an ordinary deck instead of a Tarot deck, you would do Jacks eleven, Queens twelve, and Kings thirteen.)

Drawing a Major tells you this, and I often say exactly this to clients: “The Tarot doesn’t know how long it will last. It’s completely up to you. This card is about {name of card’s main issue}; when that’s done resolved and dealt with in your life, then and only then will it happen. If you want it to happen faster, then resolve your problems related to this card faster.”

GRADING WELL!!!

This method DOES NOT WORK if you simply draw a card from the rest of the deck that you already did the main spread with. It also has a history of the occasional crash if you use a second platform that is accused of being used for reads – it will keep trying to tell you things instead of just calculating timings. Keep a completely separate cover, one you’ve never read about. I recommend very simple decks – Marseille style decks are excellent.

Playing cards is great too, much better than the Tarot decks you really like or have used for readings, but be careful with the court cards – Jack is 11, Queen is 12, and King is 13. The only problem is if timing REALLY depends entirely on you completing other important things first: Let’s say, for example, that you’ll never meet the love of your life or land the perfect job until after you appear in court for all of our traffic violations or even for that old rape charge. and figure that out, then a deck of cards won’t be able to tell you, but a deck of Tarot can, by presenting you with, say, the “Justice” card.

In short, the cards sync well, but not as well as single purpose non-illustrated Tarot decks that are only used for timing.

Pets

Dental Disease in Pets – Prevent it

Our four-legged friends can develop dental problems just like us, due to two big things: improper dental care and genetics. Yes, dental problems are part of your pet’s overall health, so don’t deny him dental care. Everyone, including pets, has bacteria in their mouths. It is a fact. These bacteria create a substance to hide under called plaque. You know that disgusting white stuff on your teeth. Over time, the plaque hardens into tartar. Unlike humans, however, our pets rarely get cavities due to their much thicker enamel.

Pets, on the other hand, can develop more serious gingivitis and other gum diseases that we are not aware of. If the tartar becomes hard and thick enough, it can create a space between the tooth and the gum that bacteria can invade, which is not a good thing. Once the bacteria get there, there are some pretty serious health risks to your pet’s health. A pet’s gums can begin to recede, the teeth can lose their blood supply and die, or worse, bacteria can enter the bloodstream and affect other organs. More than ninety percent of the time, the bacteria can travel through the body and attach itself to the walls of the heart. It is not uncommon to diagnose serious heart disease and murmurs due to serious dental disease. Unfortunately, once our pets develop a murmur, the heart disease can be treated, but the damage is irreversible and eventually fatal.

This process can occur quickly and immediately begin to affect a pet’s health. One study showed that eighty-five percent of cats and dogs have dental disease. Certain breeds are also much more prone to this condition, such as Poodles, Chihuahuas, Maltese, Labradors, and other breeds that have blunt noses. In cats, feline viruses, such as feline leukemia (FeLV) and feline immunodeficiency virus (FIV), can accelerate dental disease. A pet’s immune system constantly fights the bacteria involved in dental disease, so if your pet is sick, elderly, fed a poor diet, or has a compromised immune system, they are more likely to develop dental disease.

Of course, brushing your pet’s teeth is important to your pet’s health. Most veterinarians and pet stores sell dental supplies for your pet. Unfortunately, if tartar is already present, brushing alone will not stop further dental disease. At this point you will need to seek out your local vet for an examination to determine if a professional cleaning is needed. This cleaning involves placing your pet under anesthesia and removing tartar buildup. If the dental disease is severe enough, your vet may want to start a course of antibiotics a few days before the procedure. Once the procedure has started and tartar is being removed, they may also find that the root of the tooth has been affected. The tooth may need to be extracted.

There is almost no procedure that prolongs the life of your pet like dental cleanings, since dental disease affects many other systems. Annual visits to your veterinarian are recommended to observe the progression of tartar formation and monitor your pet’s overall health. Regular brushing is an important part of any preventative dental program, but be sure to ask your vet how to brush your pet’s teeth properly. For the safety of your animal and your fingers!

Real Estate

Expert Tips to Help You Charter a Yacht

If you want to go on a vacation that you will remember for years to come, we suggest chartering a yacht for your vacation. Yachts are not just sea vessels. In fact, they offer the comfort, luxury and other facilities that you can only enjoy in a five-star hotel. In fact, if you charter a yacht for your vacation, you won’t feel the need to opt for any other type of vacation in the future.

If you have already decided to charter a yacht, you can ask your yacht broker to negotiate the best prices for you. In the meantime, you can check out different yachts to opt for the one that best suits your needs. Here are some insider tips that can help you choose the right yacht for your needs and budget.

Choose your ideal destination

First of all, make sure you charter a yacht with your chosen destination in mind. You can sail to Croatia, Greece or the Caribbean. Regardless of the company you are going with, be sure to take a look at their itineraries and catalogs to find out if they can go to the destination you have chosen. Typically, most yacht charters have the most popular destinations in their catalogue.

Rent vs Buy

Renting a yacht is much better than buying one for several reasons. First of all, if you charter a yacht, you can avoid all the fees and expenses associated with owning one. Usually yachts or superyachts cost a lot of money. Also, this type of investment rarely gives you a return on investment.

Maintenance fees, labor and crew expenses, annual mooring fees and dockage will cost you around 10% of the yacht’s original value. Therefore, if you choose to rent a yacht for a full week, it will cost you much less than owning one. In addition, you do not have to worry about the maintenance of the boat either.

Don’t let everyone be on the boat

Before you go for a yacht charter, be sure to bring a few guests with you. Without them, you can’t create a fun atmosphere on your boat. However, it is important that you choose your guests wisely and only bring those friends who can get along with you. Your yacht will have plenty of space, but not for those who don’t know how to treat you and others.

If this is going to be a family vacation, you may want to bring your children. You can if your ship is ready for this kind of trip. What this means is that the ship must have a crew that can care for your children. Also, there must be a chef on board to prepare meals for you and your children. Also, rental services should be designed for children to enjoy.

So if you are going to charter a yacht, make sure you plan a few weeks in advance. As soon as you’re on board, you can let the crew deal with your problems.