Bad Credit Loans – Easier Approval and Better Terms

While applying for loans is usually a stress for people with limited credit histories or past credit problems, most of it arises from fears of rejection. As brick-and-mortar financing institutions try to stay away from risky lending portfolios, they tend to decline most of applications made by bad credit consumers. This, however, does not mean that there are no options available for people with blemished credit. Borrowers with past credit problems are able to secure personal loans, auto loans, and mortgages.

Personal Loans For Poor Credit

Personal loans usually come in two varieties: unsecured and secured. Unsecured loans are historically mostought after, as they combine the ease of application, having no contractual requirements, and a freedom to spend the money any way a borrowers desires. Unsecured personal loans are credit-based, as nothing but the signature of the borrower is required to get one. While qualifying for unsecured loans may be somewhat more difficult than securing a car loan or a mortgage, all credit grades are eligible to apply. An easy application made with multiple lenders may reveal whether you are a good candidate for a loan, and, in case of success, help to choose the best terms from several lender offerings. People who are found ineligible for unsecured loans are often approached with collateral request, ie securing the loan with personal assets. Such loans are called secured loans. They are perfect for people who did not qualify for unsecured loans as well as to individuals who want to have lower payments and interest, as secured loans are considered safer than unsecured loans by lenders and commonly have better interest rates and larger loan amounts.

Bad Credit Car Loans

Car loans are often the most sought after lending products among bad credit borrowers, as having a reliable vehicle is a must for most people, especially the ones residing in suburban and rural areas where public transportation is deficient. Most lenders have no problems approving people even with serious credit issues; however, terms of such loans vary widely among lenders. Based on individual credit characteristics, some bad credit consumers may qualify for lower interest rates with little or no down payment, where others may be required to put a good chunk of money down.

Once again, the best way to find out what loan terms you may face is to submit an auto loan application with some bad credit auto lenders. There are a number of online services that allow submitting one application to be disbursed among multiple lenders, allowing collecting multiple lender quotes within a short time span. Most lenders have relaxed qualification requirements for auto loans coming down to having a steady job and some leftover income to cover loan payments.

Poor Credit Mortgages

Most people want to have their own home. People with bad credit are no exception. While obtaining a mortgage entails many technicalities, it is fairly easy to qualify for even with bad credit, as mortgages are valued by lenders as one of the safest investments. Unlike other loan products, a sufficient amount of money is required in order to cover down payments, closing costs, points, and so forth, no matter how good or bad your credit may be. Therefore, before even considering a mortgage, you should have some savings set aside. In addition, getting a mortgage is a paperwork-heavy process, requiring a lot of effort on the part of the borrower. After all above, the pride of owning a home easily offsets all of the hassle.

Borrowing Solutions For Poor Credit Borrowers

All loans have one great convenience to potential borrowers – quick and easy online applications and expedited reviews. As banks try to compete in saturating lending market, they offer increasingly better solutions to bad credit borrowers, resulting in more bad credit loan applications being approved. What was not possible only yesterday is quite feasible today.

Choose of the Right Person For the Interior Decor of Your Home

The flooring of your home, its walls, moldings, furniture, artwork, lighting, floral and other accessories are very much a part of the interior decor of your home. All these things and many others are very much going to be the determining factors of how you would be spending and enjoying the time that you would be spending in your home. It is very much necessary there before that the person you select to design the interior decoration of your home is the right one and is capable of visualizing in the same manner that you do and is able to share your dreams ad visions. There are many interior decorating schools and interior decorating software that can assist you in making the right choice for the job of interior design of your home.

Many people who take pride in conceptualizing and implementing some of the most breathtaking and imaginative ideas regarding the interior design of your home can help you out in designing the best interior decor for your home. These professionals have learned the art of interior design from the interior decorating schools or some interior decorating course. Many of these professional have taught there subject from the interior design classes online or some interior design course online. These interior decor professionals already have the eye for beauty and aesthetics and after completing these courses that they are able to visualize and realize the real want and desire of the owner of the house.

Now in just a few minutes you can contact a person or an organization which can help you in changing the whole countenance of your home. Let the tide of beauty and serenity to flow into your lives through the means of the interior decor of your home.

Care And Maintenance For Fine Watches

After you purchase expensive brand name watches online, you’re excited to wear them as often as possible. But over the years, scratches, dings, and dirt will accumulate and maybe your Invicta Russian Diver watch isn’t working as brilliantly or looking quite as shiny and new as it once was. Like any luxury item, a watch needs to be properly cleaned and maintained. With a few simple tips, your fine watches can look brand new.

A few basic rules that apply to all watches are to avoid water damage, chemicals or solvents, extreme temperatures, and strong electrical fields. Understand the difference between water resistant and waterproof. For any watch that is water resistant, check your owner’s manual to see how much water it can withstand. Most cannot tolerate too much water. If you notice water condensation on the inside of the watch face, take it to a jeweler immediately before it becomes permanently damaged. You’ll also need to take it in if there is salt water damage. Most fine watches can withstand shock, but it’s still a good idea to avoid serious impacts.

There are several precautions one can take to protect the band of the watch. Don’t use perfumes, colognes, or moisturizers near your wrist. Chemicals can erode the strap, whether it be leather or metal. Keep leather straps out of direct sunlight to avoid fading. A watch will need to be regularly cleaned. If you can, remove the metal bracelet and let it soak in water with a mild detergent. The longer you let the watch soak, the more dirt will loosen -making it easier to clean. Gently scrub the bracelet with a soft bristled brush. Rinse and dry with a soft, lint-free cloth.

To clean leather bracelets, slightly dampen a soft cloth and use mild soap to wipe it down. Never soak the leather band in water. Rinse the cloth and dampen it again with water to wipe away the soap. Make sure to dry it thoroughly. You can also use leather conditioners to keep the strap moist. For watch faces, use a damp cloth to wipe away any dirt.

Not only will you have to clean watches, you need to wind the watches so they can continue to accurately tell you the time. Watches with a manual mechanical movement should be wound once a day. Never over-wind the watch and stop when you feel resistance. Watches with automatic mechanical movement should be wound once every two weeks or so if the watch is worn every day. Whether you own Stuhrling watches or Michael Kors watches, you should have your watched serviced by a professional every two or three years.

6 Common Uses of Adobe Illustrator

Adobe Illustrator is becoming a very popular program in the design world. Why is it so popular? The flexibility of this tool and ability to export high resolutions artwork has made it a killer program for graphics designers. Colors, lines and strokes can be easily manipulated in Illustrator. Let’s find out what designers are using this program for their daily work.

1) Drawing Icons

Why draw icons in Illustrator? Illustrator has a powerful grid system that makes it so easy to draw precise icon graphics. You can draw basic shapes likes squares, rectangles, circle and fit it to the grid. The snapping feature and align tools make it so easy to draw and arrange your shapes. To fill it with a color, just select the shape and pick the color your want.

2) Drawing Maps

The line tool and pen tool makes it so easy to draw lines and shapes in Adobe Illustrator. The pen tool allows you to draw any possible shapes. It may be difficult for beginners to learn how to use the pen tool but once you have grasp how it works, you will find how easy it is to draw and edit any shape.

3) Drawing Info Graphics

Newspaper and magazines often makes use of info graphics to show statistics and figures. Most of the drawings are done in Adobe Illustrator as it contains some useful tools to draw graphs and pie charts automatically by simple entering the data figures.

4) Drawing Realistic Objects

Photo realistic product drawings can be achieved in Adobe Illustrator. The gradient tool and mesh tool are the most common tools to create realistic and smooth shadings. The final output is a realistic object drawing that will amaze your client.

5) Drawing Cartoons

The flat colors look has make it a popular style to create cute cartoons. The pen tool makes drawing shapes and coloring so easy in Adobe Illustrator. Besides the pen tool, the gradient tool makes shading and coloring in illustrator so easy. Even if the clients reject your color palette, you can easily swap the colors.

6) Logos

Most of the professional logos are done in vector programs as it can be easily exported and use in other medias. The EPS file makes it easy to print sharp and good looking logo heads for company profiles and advertising materials. The isolated background makes it so easy to place the logo over your advertising materials.

What Are Conference Proceedings?

The simple definition of conference proceedings goes something like this: A collection of academic papers presented at a professional association meeting or conference. However, many of the words, like meeting and conference, which make up that definition are interchangeable with other terms…and often are. If you’re not an academic or an engineer, you will benefit from the following expanded explanation.

For starters the term conference can also be exchanged with the following terms:

  • Meeting
  • Symposium
  • Exposition
  • Colloquium
  • Workshop
  • Exhibition
  • Confabulation (yes, confabulation — I didn’t imagine it)

The term proceedings can also be exchanged with the following terms:

  • Papers
  • Manuscripts
  • Abstracts (a brief paper — a paragraph up to 1 page)
  • Extended Abstracts (2-5 pages)
  • Presentations

And the term association can be exchanged with any organization, like: society, agency, research foundation, council, institute, corporation, etc.

While conferences can be focused on any academic subject, from Humanities and Social Studies to Natural and Applied sciences, they are often focused on a specific discipline. For example, one conference hosted by the International Veterinary Acupuncture Society will include 30 – 40 papers all focused tightly on, well…veterinary acupuncture. This focus provides a depth of coverage unlike any other scientific publication. In fact, one of the truly unique qualities of conference proceedings lies in the fact that they are made up of research papers from many individuals, which makes their character distinctly different from scientific books, textbooks or journals.

One conference proceedings title can include as few as 5-10 papers or as many as 2,000 papers. Some conferences are held each year, or every two years, three years, etc. Most proceedings publications are referred to as “monographs” (stand-alone), and others are part of a series. For example, the Materials Research Society Symposium Proceedings Series may have a symposium titled “Three-Dimensional Nano- and Microphotonics”, which is volume #1014 in the series.

They are relatively cost-effective sources for academic research since they are less expensive than their higher priced relatives, journals — and typically have more content than journals, albeit a little less prestigious. Conference proceedings often include new research breakthroughs, innovations, methodologies and best practices, particularly in the fields of science, engineering and technology. They provide a platform for researchers to identify potential collaborators, and can influence work in related disciplines. It is at these important national and international conferences that research findings are reported and debated for the first time – long before their formal publication in journals and textbooks.

Hopefully, the next time someone mentions conference proceedings you won’t have a blank stare on your face.

Ways to Quiet a Squeaky Hamster Wheel

Ways to quiet a squeaky hamster wheel.

About a month ago, I realised that one of my silent spinner hamster wheels was not as silent as before. Squeaking sounds came from the wheel as my roborovski hamster was running on the wheel. I was puzzled because I spent a few more bucks buying a silent spinner but it ended up making more noise than the normal ones. I Googled the possible reasons and solutions as to why my silent spinner was making these loud squeaky noises and came to realise the mistakes I have made and how it can be resolved.

Ways to quiet a squeaky hamster wheel

  1. Use non-toxic lubricant to keep your silent spinner noise free! Strip your silent spinner and detach the axle from the wheel. Use a cotton pad, dapped with some lubricant, to wipe the axle thoroughly. Fix back the axle to your wheel and your wheel will be as good as new!

    Some lubricants you can use:

    • Vegetable oil
    • Vaseline
    • Butter – wears out after awhile and you would have to apply it more frequently

    If this method should fail and your hamster wheel is still squeaking, then you can try the following methods to solve your problem.

  2. Instead of using a cotton pad to dap the axle of your hamster wheel, soak the axle in vegetable oil for an hour. Make sure that the plastic part does not get into the oil. After that, take out the axle and wipe it with a kitchen towel before fixing it back to the other parts of the wheel. This will prevent the vegetable oil from over-flowing into the wheel and getting onto your hamster.
  3. Another method you can use is to move your hamster cage into a closet at night when you are sleeping. It will not make the wheel quiet but at least the sound will be more muffled as compared to leaving it outside of the closet. Remember to leave it slightly ajar so that your hamster will have some ventilation.
  4. Lastly, and this should be your last resort, move your hamster cage out of your room.

These are some of the information gathered while searching for ways to quiet a squeaky hamster wheel. In the process of doing so, I have also came across 2 factors that might have caused your wheel to become squeaky and how you can prevent it.

Here are some of the reasons why your hamster wheels become squeaky and how you can prevent it.

  1. Rusting of axle
    I have read in forums and some ‘online answers’ advising hamster owners to use vinegar to rinse their hamster’s toys to remove odour. This is an excellent method to remove odour but vinegar will oxidise the metal and cause it to rust. Once it rusts, the process will be irreversible. So my advice is to remove the axle from the wheel before rinsing it with vinegar and water. Then make sure it is dry before attaching the axel back to the wheel.
  2. Wheels being used for a long time
    Because hamsters run a lot, the axle might get worn out in the long run. This wear and tear is caused by friction and can be prevented by lubricating your wheel frequently with the recommended lubricants mentioned above.


In my article, I mentioned 4 Ways to quiet a squeaky hamster wheel:

  1. Lubricate using cotton pad
  2. Lubricate by soaking
  3. Leave your hamster cage in closet at night
  4. Move hamster cage out of room

I have also mentioned the 2 causes of ending up with squeaky hamster wheels and how to prevent them:

  1. Rusting of axle
  2. Wheels used for a long time

I hope you have learned something new from my article and I want to emphasize that the lubricant use MUST be non-toxic. This is because the lubricant might get onto your hamster’s wheel and the consequences will be fatal if it ingests it. Another thing is, prevention is better than cure. So before your wheel becomes all squeaky and noisy, wipe the axle with a cotton pad soaked with oil. This will allow you to have longer lasting silent wheels. Wishing you and your hamster happiness!

The Great Masters: An Esoteric History

Mention of the Great Masters, also called the Great White Brotherhood, evokes images of highly evolved beings, visiting the Earth to help man in his struggling attempts to realize his spiritual nature. Based on my readings, that’s exactly what the Brotherhood does. We are very fortunate to have a council of Master’s who devote their energies to monitoring our progress and personally intervening with individuals and world events at times of need.

The Brotherhood goes by many names and is chronicled by such diverse authors as Alice Bailey (referring to them as the seven Kumaras), Baird Spalding (calling them the White Brotherhood and the Thirteenth School); Dane Rudhyar (the seven Avatars); Omraam M. Aivanhov (the Universal White Brotherhood); Madame Blavatsky (the Dhyan Chohans, Great White Lodge); and of course, the ancient authors of the Rig Veda who referred to them as the seven Sapta Rishis (teachers). Gurdjieff also makes indirect references to the Brotherhood.

Questions are often raised as to whether there is a racial bias in the term, the Great White Brotherhood. This concern is well addressed by Frater Achad: “…reference to the word ‘white’ has nothing to do with the color of the skin or to any race. It does indicate the radiance of the spiritual color of the soul (its aura)…. The Divine wears many colored bodies.”

As we explore the Brotherhood, certain writers stand out. The accounts that follow begin ancient Asian texts and continue through more recent authors.

Yogic Tradition (India): Probably the most ancient references to the Great Masters are found in India in the Rig Veda. Here they are referred to as the seven Sapta Rishis, who are said to guide mankind from the inner worlds. It is said that these Rishis were the first disciples of Shiva, the Adi (first) yogi.

Sufi Tradition: The Sufi’s association with the Brotherhood has been documented in depth-most notably through publications of the Institute for the Study of Human Knowledge (ISHK) and Octagon Press. The Naqshbandis have been the most prominent “order” of Sufis involved in supporting the work of the Brotherhood, who they refer to as the Hidden Directorate. The Naqshbandis also speak of the Qutb, a spiritual leader, or Axis, whose presence enables the continuation of the world.

Classical Greeks: Plato, considered to be an Initiate himself, made reference to the “Seven Spirits before the Throne of God.”

H. P. Blavatsky, The Secret Doctrine, 1888: The iconoclastic Madame Blavatsky did much to pave the way for contemporary esoteric spirituality. The Secret Doctrine, her greatest work, is a fascinating chronicle of ancient cultures and integrates much of the common essence running through the great world religions.

Much of her focus was on the great Masters. She explains that (the Dhyan Chohans) “are all Anupadaka (parentless), i.e., self-born of divine essence…. (They) are seven, of whom five only have hitherto manifested (Sinnett’s Esoteric Buddhism), and two are to come in the sixth and seventh root-races.” Through her extensive research, Blavatsky points out that the divine “seven” were expressed in some manner in all classic world religions.

Baird Spalding, Life and Teachings of the Masters of the Far East, 1924, 1948: Spalding is perhaps one of the most respected documenters of the Great White Brotherhood. Volume I describes the author’s personal experiences with several Masters of the Himalayas. These Masters can materialize at will, communicate through telepathy, and exhibit some of the most saintly behavior ever seen. They would appear to represent higher echelons of the White Brotherhood.

In Volume 4 of the series Spalding addresses a few misconceptions about the White Brotherhood. He says that “… they never make themselves known as such… So long as constructive forces work in ‘secret,’ they grow unnoticed by those who would destroy their effect. There will come a time, however, when they (the illumined) will work more openly… when there are enough illumined people to know and understand what they are doing…. At this time of such helpless disintegration, and only then, are the activities of the Brotherhood likely to come out into the open to strengthen the Truth in the minds of all the people.”

Nicholas Roerich, Shambhala, 1930: Roerich was a Russian mystic and an artist of the spiritual and metaphysical. He wrote at least four books that popularized the Great White Brotherhood and documented his extensive travels through Central Asia in search of the legendary Shambhala or Agartha, said by some to be the physical headquarters of the Brotherhood. Some researchers of Roerich have speculated that his writing borrowed heavily from Ossendowski and Blavatsky.

Dane Rudhyar, Astrology of Personality, 1936: The deeper we dig into the Great White Brotherhood, the more intriguing the findings. According to Rudhyar, a student of the famous esoterist Alice Bailey, the seven Avatars comprise all of God that exists now. Rudhyar suggests that, when God “became” the Universe, God’s spirit became embodied in the seven Avatars as well as the Universe itself.

G.I. Gurdjieff, Meetings with Remarkable Men, 1963: Gurdjieff has a fascination with the ancient mystic brotherhoods and monasteries of Central Asia (Pakistan, Uzbekistan, Afghanistan, Tibet, etc). Much of Meetings with Remarkable Men is devoted to his tenacious search for the secret teachings of these mysterious brotherhoods. The brotherhoods that Gurdjieff visited appear to be spin-offs of the Great White Brotherhood.

One of the monasteries that Gurdjieff was successful in locating and visiting was the “World Brotherhood” in Kafiristan, which appears to be in northern Pakistan. According to Gurdjieff, it was a brotherhood “which any man could enter, irrespective of the religion to which he had formerly belonged…Among the adepts of this monastery there were former Christians, Jews, Mohammedans, Buddhists, Lamaists, and even a Shamanist. All were united by God in the Truth.” He indicated that some of the brothers at this school were 200 to 300 years old. One of the monastery’s teachings which Gurdjieff adopted concerned the importance of learning through experience-so that what is learned becomes inherent in one’s being.

Paramahansa Yogananda, Autobiography of a Yogi, 1946: Yogananda did not speak of the White Brotherhood per se, but spoke extensively of the avatars and the “Great Ones.” He explains that the “descent” of Divinity into flesh results in the presence of an avatar. Yogananda gives us a beautiful account of Babaji, a living yogi and avatar of the Himalayas who “has maintained physical form for centuries or millenniums.” Babaji teaches the potential for bodily immortality, and has promised to stay his physical body forever (during this world cycle). According to Yogananda, Babaji is “ever in communion with Christ.”

Frater Achad, Ancient Mystical White Brotherhood, 1971: Frater Achad (Rev George G. Price) was a retired minister and channel. Accordingly to Achad, “Ever since man has been, the ancient mystical White Brotherhood after the Order of Melchizedek has been… It is birthless, ageless, and deathless… It is not a mundane organization, having no earthly lodges nor material buildings… They are very high spiritual beings from many planets of the universe, including this planet Earth.

“Its members are assigned to teach and enlighten the leaders of the Earth, seers, prophets, kings, presidents, educators, philosophers, etc. They always guide through inspiration… They were referred to in the sacred (Judeo-Christian Muslim) books… as angels… The presiding elders of the White Brotherhood are the Master Jesus and the beloved Gautama Buddha… The Brotherhood exists ‘to develop humanity’s perceptions of it’s own Divine inherent nature.'”

J. J. Hurtak, The Keys of Enoch, 1977: According to Hurtak, “…the Brotherhood of Michael, the Brotherhood of Enoch, and the Brotherhood of Melchizedek, direct the seventy Brotherhoods of the Great White Brotherhood… They will take the Exodus to other star systems in order to begin a new genesis in the next ordering of creation. At this time the Great White Brotherhood will come to take its own seed; for twenty million years ago it planted its seed crystal within the galaxy.

Omraam Mikael Aivanhov, A Philosophy of Universality, 1980: Aivanhov was a Bulgarian master who lived from 1900 to 1986. He named his fellowship of students (10,000 worldwide) the Universal White Brotherhood. Aivanhov acknowledges that, “The true Universal White Brotherhood on high is composed of all the highly evolved beings that have ever existed.”

Georg Feuerstein, of one Aivanhov’s biographers and a noted scholar of spirituality and yoga, refers to the Universal White Brotherhood as “that invisible college of higher beings who have the spiritual evolution of humankind at heart.”

S. Subramuniyaswami, The Lemurian Scrolls, 1998: Satguru Subramuniyaswami gives the Brotherhood a prominent place in his recent epic, the Lemurian Scrolls. Transcribed from the Akasha and acclaimed by the Hindu community, the book gives a broad account of the Brotherhood during Lemurian times.

Subramuniyaswami explains that a Brotherhood of gurus has been present of Earth throughout human history to guide our evolution. He indicated that this secret order lived monasteries in past yugas (ages), but now move freely about the world in varied walks of life. “Through their great telepathic powers, they (meet) in council most regularly…Their purpose on the planet, after dissolving their monasteries at the end of the Treta Yuga, has been to set new patterns and innovate systems.”

According to Subramuniyaswami, “The rishis are to lead all the deserving beings from this planet in the (Satya) Yuga, thus completing their mission.”

When we see the continuity of accounts of the Rishis, the White Brotherhood, the Great Masters, we can’t help but feel grateful for their dedication to helping us in our attempts to grow toward the Divinity from which we came and to which we are evolving. I believe that the Brotherhood is as active today as ever, maybe especially today, as the Earth and its peoples are confronting seemingly unprecedented challenges.

In my experiences with Sadhguru Jaggi Vasudev, a yogi master from Southern India who has visited the US in recent years, I have observed that he always concludes his program with a heartfelt expression of gratitude to “the Masters” who have guided us. When one views the depth of Sadhguru’s commitment and his accomplishments in his lifetime thus far, it appears very plausible that he works directly with these beings.

I clearly believe that the Masters are with us today and love us dearly, and that they and their designees are here for us whenever we call on them for spiritual help and direction.

Being Prepared For Winter When Raising Quail

When raising quail and keeping a flock during the winter months. Some preparations will have to be made. Obviously it is best to have some type of quail house that keeps out the cold winter drafts. As you know from brooding the quail chicks, cold drafts can be a major enemy to raising quail.

If a quail house is not available then you will have to shelter your quail from the elements in another manner. You could build a small boxed in enclosure, in the quail’s pen, with just a big enough opening for them to enter and exit. This would help in giving your quail a place to covey and avoid the winds somewhat.

You should have a minimum of 15 to 20 quail per pen to create a covey for warmth. Also if you are not raising your quail in some type of quail house and have them on wire off of the ground. You will definitely want to at least take a tarp and drop it completely around the coops from floor level to the ground. It will help prevent drafts from coming up through the bottom of the cage. This is very important. On real cold windy days, it would be a good idea to cover the entire cage. Just make sure to allow for some ventilation.

You can also put a small wattage light bulbs in the quails covey area. This can offer them some help with warmth. I prefer a colored bulb enclosed, so they can’t come in contact with it.

Another problem with raising quail in the winter months, is water icing up. You will have to keep an eye on this, to make sure your quail always have water available. Never add anything to the water just to keep it from freezing, the additive would probably kill your quail.

Hay is usually a great winter bedding for warmth but would have to be changed at least on a weekly basis. As you should know, the problem dropping build up can cause. Should not be much of a problem in the winter but why take chances with your quail.

In the wild they covey in very thick brush and grass to avoid the elements the closest you can come to creating that type of environment the better your quail will do.

You have probably raised your quail from eggs and have been observing them ever since. If you have, then you should have some type of idea from their actions, if there is a problem. The quail have a way of telling you when they are under stress and need some type of attention. Learning how to read them is all part of raising quail.

So when preparing your quail for the cold winter months, use a lot of common sense and observation.

Give the quail cover from drafts, rain and snow. Make sure they have drinkable water not ice and enough quail in the same pen to create a covey. Giving the quail a little help with a man made heat source would also help.

Masturbation Statistics: What’s the Frequency, Dude?

Considering that it’s something basically all men are alleged to do, there are surprisingly few current statistics about masturbation. There’s no doubt that it’s a popular hobby, but it would be valuable to have a large-scale, thorough study which focuses on masturbation in the way it deserves to be addressed. Men (and presumably women) are going to masturbate no matter what the actual statistics are, if for no other reason than it’s fun (and also happens to contribute to good penis care), but knowing what the facts are might make the practice of masturbation more acceptable for all.


There have been countless surveys and polls about masturbation, but there are problems with most of them. First off, many of them are simply “click bait’ or “engagers,” ways of keeping people involved with a particular website. And that creates some serious sampling biases. For example, if 1,000 men respond to a masturbation poll of a porn website, and 900 of them say they masturbate twice a day or more, that frequency may be skewed by the fact that the men answering the poll are not necessarily representative of the male population at large.

In addition, there can be problems with scope. If a survey asks if a person masturbates, that can mean different things to different people. One guy may answer yes, because he has masturbated a few times in his life; another who has also masturbated only a few times in his life may answer no because he may not consider such low frequency worth reporting. And what happens if one man considers fondling the penis without ejaculating to qualify as masturbation whereas another respondent does not?


All of which is to say that there are too few masturbation studies of significant value, especially among those conducted in the last few years. However, here are some statistics that are commonly swatted about.

Tenga, a company which manufacturers sex toy products, conducted a survey of 1,200 adults. The data is likely skewed, but it does present some interesting figures, including:

– 95% of men and 81% of women have masturbated in their lifetimes.

– On average, men masturbate 15 times a month and women masturbate 8 times a month.

– On average, people who are not in a partnered relationship masturbate 16 times a month; those who are in a partnered relationship masturbate 10 times a month, on average.

– Millennials masturbate 15 times per month, as compared to Generation X-ers (12 times per month) and Baby Boomers (7 times per month).

That last statistic is somewhat consistent with what is generally “known” about masturbation and age – that people masturbate more as teens and young adults, then slow down somewhat, although it’s often speculated that rates of masturbation pick up again after age 50 or thereabouts. One 2010 study by the Journal of Sexual Medicine found a somewhat different picture: Only 43% of males aged 14-17 had masturbated within the last month of the survey, starting an arc that rose steadily to ages 25-29 (almost 69%), then fell steadily to age 70+ (28%).

A 2016 online survey by StatisticBrain again found that 95% of men masturbate – and that 40% masturbate daily and 55% masturbate weekly. The same survey found that 70% of married men masturbate and that 17% of all men have used a vibrator when masturbating.

Staying in good shape, no matter the stats

The statistics may not be 100% representative, but they do verify that a lot of masturbation goes on daily. So in order to keep their penises in good shape, men need to regularly apply a top drawer penis health crème (health professionals recommend Man1 Man Oil, which is clinically proven mild and safe for skin). Penises that have been rubbed raw need skin revitalization, which requires hydration, so use a crème with both Shea butter and vitamin E, two excellent moisturizers. In addition, excessive masturbation may cause some loss of penile sensitivity; a crème with neuroprotective acetyl L carnitine is the ticket for helping restore diminished sensation in the penis.

How To Make A Cheap And Easy Gourmet Wine Gift Basket

Buying a gourmet wine gift basket can be expensive. You can easily make a beautiful, custom, personalized, gourmet wine gift basket cheaply. You can use champagne too.

Gift baskets are always popular and a great idea to give as a gift. People love to receive gift baskets. Making your own gourmet wine gift basket is cheap and easy. You can fill your gift basket with a variety of good wine or champagne and inexpensive items; you have lots of choices.

I’ve put together a few great ideas for making gourmet wine gift baskets, complete with instructions on how to make them. You can make inexpensive wine gift baskets or expensive wine gift baskets depending on your budget. You can easily customize each basket to your recipient.

You can add one or two bottles of expensive or inexpensive wine. You can save money on your wine purchases by going to a wine shop and asking to see the less expensive good wines or you can go to Costco for some great wine bargains, but still very good wines. The wine for your gift doesn’t have to be expensive.

You can find many inexpensive items for use in making your gift baskets or filling your gift baskets, at ‘dollar’ stores, craft stores, party stores, discount outlets, flea markets, close-out stores, etc.

For wine gift containers you can use: any type of basket, wicker basket, straw basket, bucket, champagne bucket, antique trunk, hamper, Asian-style trunk, picnic basket, or seasonal container. Make sure it’s sturdy enough.

For gift basket liner you can use: tissue paper, shredded paper, shredded newspaper, tea towels, dish towels, hand towels, kitchen towels, colored towels, colored napkins, placemats, or fabric pieces.

For gift basket filler you can use: shredded colored paper, straw, crumpled newspaper comics, a bed of wrapped chocolates or other wrapped candy.

For items in the container it’ll depend on the specialty or theme of the gift basket – in this case a gourmet, wine gift basket. Here is a small random sampling of what you can include besides the wine.

Gift certificate for massage or spa visit, scented oils, scented massage oils, gift certificate to favorite store, gift certificate for restaurant, loofah, fragrant candle, matches to light candles, CD of nature sounds, favorite artist CD, DVD of newer release movie, handwritten poem, perfume, cologne, watch, framed photo, inspirational book, spa pillows, bath pillows, spa supplies, bath and body products, facial and body scrubs, handmade soaps, fragrant soaps, shampoos, hand and foot lotion or fluffy towel.

Fancy chocolates, boxed chocolates, chocolate bars, giant-size boxed candy, gourmet chips, pretzels, gourmet nuts, gourmet pasta, gourmet olive oil, pre-packaged food items, gourmet crackers, wrapped gourmet cheeses – two or three different kinds, fruits, any foods you like, Italian recipes, Mexican food recipes or other ethnic recipes, wine glasses or champagne glasses.

For gift basket wrapping you can use tulle netting or I like to use cellophane wrap. You can buy it in large rolls. Look for specialty packaging outlets where you can buy it wholesale. Tie off the wrapped basket with ribbon. Wired fabric ribbon is best if you have it.

For bows: You can use pre-packaged bows but making your own bow is easy and the best presentation if you can do it. Use a large or huge bow.

Assemble all your gift basket items, tools you need, etc. Now line your selected gift container. Then stuff the selected filler into the wine gift basket to give added height to your items. Place, layer and arrange your selected items on the filler in the gift container. Put the larger items in the back, the smaller items in front.

Fill in the holes or prop up with more filler (shredded paper, Easter basket grass, wrapped chocolates, napkins or holiday napkins etc.)Also you can use ‘picks’ of artificial flowers to fill in space.

Place your cellophane or other wrap under the gift basket. Center the gift basket on the wrap. Bring the cellophane or other wrap over the top of the gift basket and tie it with ribbon and or a beautiful bow! Use ribbon and bows to match your theme colors.

Tuck a card in the ribbon and that’s it!

You can find fabric or wired ribbon cheaply at Costco– especially in the fall prior to Christmas but often throughout the year in some stores. You can shred paper in a paper shredder.

If you’re going to need a lot of cellophane you can purchase it wholesale through the packaging specialty stores throughout the U.S. but should be easily found in craft stores.

General tips: Try to use non-perishable items except for fruit for fruit baskets. Use freshly packaged food items, because even packaged crackers and cookies can go stale in a couple of months.

You can find filler flower ‘picks’ at garage sales for pennies. If you buy wholesale they are usually around a dollar each.

Tips: It’s best not to use fragrant items in your wine gift basket. You can easily check out gourmet wine gift baskets on the Internet to see what typically goes in them.

Also there’s nothing like learning how to make wine or other gift baskets from a video or DVD for making cheap and easy gift baskets. You can view it over and over again and share it with your children, other family members and friends. You can even charge for classes with your new-found knowledge and/or start a home based business. In any event, making a gourmet, custom, personalized wine gift basket is cheap and easy.

Modern and Innovative Uses of Jute Fibers

Jute fibers are always known as strong, coarse, environment friendly, and organic. Jute uses were primarily confined to marginal and small manufacturers and growers. but now it is used as important raw materials for several industries. It is unfortunate that jute still lags behind other fibers like silk, wool, and cotton. However at present time, jute is termed as a favorite fabric for packaging materials and furnishings and as golden fibers for national and international fashion world. Jute fibers are used for making mats, gunny cloth, cordage, hangings, paper, and decorative articles. Prevalent uses of jute in handicraft stuff, in order to give aesthetic appeal, has made it popular across the globe.

Now jute is widely used in producing a discrete variety of products and goods above all textiles for numerous applications. Copious forms of jute textiles and fabrics like agricultural, construction, sports, household, packaging, medical textiles are made out of jute, that is immensely popular for long durability, heat resistance and tensile strength. But it does not mean that jute fabric is contrary to aesthetic appeal. Jute is environment friendly fiber that is used for producing porous textiles which are widely used for filtration, drainage, and soil stabilization.

The rise in the jute industry in a different corner of the world, and its fast growing significance in connection with the production of yarn and fabrics for varied purposes, makes it as one of the most important industries in textile conglomeration. Jute fiber is put to use for manufacturing a wide string of home and decorative furnishings, reflecting style and elegance. Besides its own singular appeal, use of jute furnishing items has rendered a new dimension and makeover to any decor.

Jute has shed its old identity known as a rugged and coarse material that was used in manufacturing gunny bags, tent, and roof coverings. Now it is used to produce a wide range of designer and stylish decorative articles such as wall hangings, coaster, lamp shades and table mats which are setting the Thames in fire not only in domestic markets but also in international markets. People are wholeheartedly accepting jute handicraft items like hammocks and napkin rings found in resorts, restaurants, and offices. Jute accessories add classic and vintage touch to interior design. Jute fibers are now used in making apparels like jacket, pull over, shoes, and etc, Such wares are comfortable, cheap, but trendy in look. Jute apparels can be put on on almost every occasion and seasons.

Unusual Chili Recipes – 4 Wacky But Wonderful Chili Meals

Got a hankering for chili, but tired of the same old bean chili you’ve had countless times? Good. It’s time to shake things up a little and try something different to get your taste buds excited. Here are four unique recipes for chili that will give your chili cravings some much needed variety.

=> Pumpkin Chili Mexicana

The sweet, earthy taste of pumpkin takes this dish to a whole other level of savory goodness.

2 tablespoons vegetable oil, 1/2 cup onion, chopped, 1 cup of red or green pepper, chopped, 1 clove garlic, finely chopped, 1 pound of ground turkey, 2 (14 oz.) cans diced tomatoes, undrained, 1-3/4 cups pumpkin puree, 1 (15 oz.) can tomato sauce, 1 (15-1/4 oz.) can kidney beans, drained, 1 (4 oz.) can green chilies, diced, 1/2 cup whole kernel corn, 1 tablespoon chili powder, 1 teaspoon ground cumin, 1 teaspoon salt, 1/2 teaspoon black pepper.

In a large saucepan, heat the vegetable oil over medium high heat. Add in the onion, bell pepper and garlic. Cook, stirring constantly, for 5 to 7 minutes or until tender.

Add in the turkey meat and cook until browned; drain.

Add in the tomatoes with juice, pumpkin puree, tomato sauce, beans, chilies, corn, chili powder, cumin, salt and pepper. Reduce the heat to low. Cover and cook, stirring occasionally, for 30 minutes.

=> Memphis Barbecue Shrimp Chili

Here’s a very unique chili recipe that comes straight out of the Memphis barbecue tradition. The consistency will be very soup like and is meant to be served over rice or French bread.

1-1/2 pounds medium shrimp, 4 tablespoons of unsalted butter, 3 tablespoons of olive oil, 5 garlic cloves, coarsely chopped, 1-1/2 cups of barbecue sauce, 1 tablespoon Worcestershire sauce, 1 teaspoon hot sauce, 1 teaspoon liquid smoke, 1-1/2 teaspoons crushed red pepper flakes, 1-1/2 teaspoons salt, 1 teaspoon coarse ground black pepper, 1 tablespoon chili powder, 1/2 cup chopped fresh parsley, 1 lemon, sliced very thin, white rice and or French bread.

Peel and thoroughly clean the shrimp.

In a large, heavy skillet, melt the butter and oil. Cook the garlic until it’s nice and soft.

Add in the shrimp and cook until pink.

Add in the barbecue sauce, Worcestershire sauce and hot sauce, liquid smoke, red pepper flakes, salt, pepper and chili powder.

Simmer all for 10 minutes. Add in the parsley and lemon slices. Continue to simmer for 5 to 7 minutes.

Serve chili over white rice and/or French bread.

=> Italiano Chili Con Carne

Italian meets Southwestern in this easy-to-make chili dish.

1 green pepper, 6 to 8 large onions, 1 pound ground beef, 1 medium can of tomatoes, 1 can of kidney beans, 1 can of spaghetti sauce.

In a skillet, cook the ground beef until brown; drain.

Dice up the green peppers and onions and add to a saucepan. Add in the cooked beef and the tomatoes. Let simmer until all ingredients are well done. Add in the beans and spaghetti sauce; heat thoroughly.

Season to taste with salt, pepper and sugar.

=> Picante Cincinnati Chili

This Cincinnati version is known as the sweet chili and is served over spaghetti noodles. The picante sauce adds a nice twist to this popular dish.

2 pounds of ground beef or pork, 2 large onions, chopped, 2 cloves of garlic, minced, 1 (15 oz.) can tomato sauce, 1 can picante sauce, 2 tablespoons chili powder, 1 to1-1/2 teaspoon cinnamon, 1 teaspoon ground cumin, 1 teaspoon salt, 1/4 teaspoon ground allspice, 2 bay leaves, 1 pound thin spaghetti, cooked.

Topping: Shredded cheddar cheese, 1 chopped onion, kidney beans, heated, Oyster crackers.

In a large Dutch oven or pot, brown the beef or pork along with the onion and garlic. Add in the remaining ingredients, except for the spaghetti and the toppings. Cover and let simmer for 1 hour; stirring occasionally.

Remove the bay leaves. Serve the chili nice and hot over the cooked spaghetti. Use toppings as desired.

How to Care For Your Cast Iron Teapot to Ensure Longevity

The cast iron teapot also known as tetsubin or cast iron tea kettle was used originally in Japan as kettle for boiling water which is done on an open fire. Japanese people then hang their tea kettle above their fireplace in order to provide enough heat, humidity and heat during cold weather.

During the introduction of green tea in the middle of the 19th century, a cast iron teapot was used on a regular basis making this beautiful teapot the famous kettle of choice during that time and even today.

Cast iron tea kettles have been considered the timeless form of tea kettles bringing not only warmth and soothing feeling to every family but also gives an undeniable elegance to every kitchen type.

Cast iron teapot is the oldest type of kettles around. What makes it popular is that it is non-toxic. It also has an excellent ability to retain heat.

However, one common problem of tea kettle users is the challenge in cleaning this teapot.

Due to the fact that it is iron, it is prone to rust. Cleaning your teapot is not that difficult if you know what you are doing.

But first of all, it is important to know that your teapot should only be used for your tea and your tea only and equally important, with the same type of tea instead of a using it on different types of tea or worse, use it for other type of food.

Cast iron teapot has the ability to absorb seasoning, “taking the taste” of your particular type of tea. Using the same teapot for different types of tea changes the taste or season of your tea kettle.

Use a dish soap for cleaning inside of your cast iron teapot but do not use a strong detergent. Another great tip is to add a bit of olive oil and salt.

Removing the rust inside the kettle is done by using any cotton cloth, wet it and add a a small portion of coarse salt and a small amount of olive oil into the bottom of the kettle. Rub the rusted areas with the wet cloth and air dry.

Knowing how to take care of your cast iron teapot will ensure a long lasting service and more delicious tea for you and your family.

Making Sure You’re Getting Real Teak Furniture

If you are deciding on what type of furniture to have in your home or yard, you may have thought that you want the best. In the minds of many that means teak wood. But how do you know if a piece of furniture is really teak furniture?

Since teak wood is a very expensive wood, there are some unscrupulous people who would try to pass other pieces of furniture off as teak, in an effort to take your money. Therefore, it is important that you know how to tell the difference between real teak furniture, and a fake, before you make a purchase.

The Feel of Teak

The first thing you need to know about teak wood is that it does not feel like other woods. Sure, it is as hard as wood, but once you put your hand on teak wood you may be able to tell the difference between it and other wood types. The most obvious difference is that unlike other woods, teak does not splinter. If you rub your hands across the surface of a piece of wood you should be able to quickly tell if it’s a fake. The first splinter you get in your hand will be a quick indication.

The Smell of Teak

The next thing that may help you tell if a piece of furniture is real teak furniture or not is the smell. Many things have a distinct smell. Leather in a new car is a good example of one of those scents that you know is the real thing as soon as it hits your nose. In the case of teak furniture, you will smell a very light fragrant smell, coming from the wood. It’s an earthy smell, but one that is different from other freshly cut woods. Teak gets this smell from the oils that are heavily embedded in the wood.

The Color of Teak

Teak wood is unlike other woods in that it can change its look substantially with age. Most woods change as they age only if you offer an outside stimulus. For example, a dark wood may lighten if you leave it in the sun day after day. That is not the wood changing on it’s own, but rather the rays of the sun having a bleaching effect on the wood.

Teak is different. No matter what type of environment you have it in, teak will change its colors, unless you stop it. If you leave it in the sun, the colors of teak wood will change from soft browns and oranges to silvers and white, almost in the way a person may get white hairs are they grow older. On the other hand, teak that is left in the shade, or kept inside, will change to darker browns and oranges over time. Either way, you should be able to identify teak wood by the beautiful grains in the wood.

Normally, teak furniture from a manufacturer is what it says it is, but if you are looking to purchase from a private sale or antique shop, it is best to know the characteristics of the wood to make sure you are getting the real thing.

When Can Patients Sue a Hospital for Negligence?

When can you sue the hospital or its employees for negligence?

A hospital can be sued for negligence for mistakes that harm or kill a patient. When an employee of the hospital is guilty of negligence, you can sue the hospital. When a doctor working for a hospital makes a mistake, both the doctor personally and the hospital as a whole can be sued. However, doctors can only be sued if they were present and could have prevented the negligence. You cannot sue every doctor in the Emergency Room or surgical floor, only the one who administered or oversaw your treatment. Hospitals can also be sued when a doctor with a history of negligence and medical mistakes was kept on the payroll, thus enabling them to continue harming patients.

What constitutes neglect?

Neglect occurs when someone does not do their job as a normal and competent professional would. Negligence includes not verifying instructions, not following checklists, failing to assist patients in need and not take immediate action in an emergency. There are greater tolerances for mistakes made in life threatening emergencies than general care situations. Malpractice and negligence can arise from a failure to properly diagnose a condition or injury. Negligence can occur when someone is given the improper treatment or the correct treatment is administered incorrectly. Nurses administering the wrong medication and therapists following the wrong protocols are examples of this.

Failing to risk patients of negative outcomes from a medical treatment or side effects of the treatment is also negligence. Recommending a surgery to cure cataracts that can also leave a patient blind is an example of this concept. To sue for negligence, the risk must be significant enough that the patient might have chosen not to have the procedure or treatment if they had known and must have suffered that negative outcome.

Can you sue medical professionals other than doctors at the hospital?

Yes. Any medical professional affiliated with a hospital can be sued for negligence. This includes nurses, physical therapists, medical technicians and pharmacists. First responders such as paramedics and firefighters have broad protection from medical negligence claims, due to the difficulty of acting during emergencies, unless they are employees of the hospital and provide care at the facility. Good Samaritans are rarely sued for negligence unless their actions are reckless.

What types of damages are available when someone sues a hospital for negligence?

There must be a specific injury as well as actual damage to sue for negligence. You cannot sue a hospital because you were unhappy with the level of service.

  • Physical pain and suffering
  • Medical bills with other medical facilities or practitioners to treat the condition caused by the hospital’s neglect, injuries caused by the hospital or diagnose what the hospital failed to find.
  • Lost income due to the inability to work or lost income of the individual who died
  • Medical bills resulting from additional treatment at the hospital if the patient had received the proper course of treatment.
  • Costs of physical therapy or assisted care while recovering