Reiki and Manifesting Your Destiny – How to Construct a Reiki Manifestation Triangle

Manifestation has been a hot topic ever since the release of the movie The Secret. Using energy, focus and intention to help create the best outcome in our lives is not a new concept. How does Reiki fit into this?

Reiki energy carries the essence and vibration of love. Love is the only energy that is real. Everything else is illusion. When channeling Reiki energy toward a future vision, the vibrational quality of Reiki helps to attract situations, people, and opportunities to us that also carry that same vibration.

Just as we must let go of the outcome when giving a Reiki healing, in manifestation, we must do the same. Holding onto and becoming invested in our vision in a needy, or rigid manner means that we are operating from a level of fear. Fear is a different vibration than love and will create more situations where our fears are triggered. This can be a learning opportunity and a chance to transform ourselves as the universe always mirrors our core beliefs.

From my own experience, I manifested a job after being out of work for nine months. I used a Reiki Manifestation Triangle. Here is how you construct the triangle.

1. On a large sheet of paper, draw a triangle

2. Beside the left point, write your name

3. Beside the right point, write your goal in a brief sentence. For example – to own and live in my own house.

4. Above the top point, write the outcome. The outcome needs to be very specific and detailed. If you ask for vague, you manifest vague. Here is an example – a two-story house, in Etobicoke, with three bedrooms, cream coloured wall to wall carpeting, with finished basement newly painted in green pastel where I spend each evening relaxing with a great book, etc. You get the idea.

5. In the middle of the triangle, write – I am now manifesting this or something even better for the highest good of all. Or use your own words.

Everyday I reviewed each corner of the triangle. I would draw a Reiki symbol over it, read it out loud and send energy over the words. In order to help me visualize the Reiki Symbols, I used a pen to draw a Cho-Ku-Rei over each corner.

I started with my name, moved to the goal, and then to the outcome. When I sent energy to the outcome, I visualized it with as much emotion and focus as I could. I saw myself happy in my new job, loving my coworkers, and feeling fulfilled. Then I would end the session by reading the statement in the middle of the triangle. The final step is to give thanks and let it go. Just trust that it is starting to take shape in the energetic realm.

It took less than a month using the Reiki Manifestation Triangle before I was working again. There are many manifestation techniques that you can incorporate Reiki energy. Try this one and may you manifest a life full of love, joy, and peace.

Living Room Decoration and Design Ideas

Your living room takes up a number of different roles which requires challenging decorating techniques and demands proper planning. You may want your room to cater and entertain your guests, or you might want it to be your relaxing casual space accommodating only your leisure activities for example watching TV, reading or mingling with family members. So before you begin to decorate your living room, plan out your budget and accommodate your planning according to it. This article will present your some economic ways to bring color to your living room and enhance its decoration.

Splash Your Niche

You can add a dash of color and shade by painting a single wall with a bold color. This will change the central point of your room without the help of any expensive or lavish decorating item. Niches and alcoves are perfect places to paint. A splash of some bold color which may be a darker tone of the rest of the walls or be compliment to your general color theme of the living room, is the perfect way to bring a creative change in your living room.

Toss Some Sofa Cushions

You can also add some cushions or pillows to your furniture, which adds color to your solid furniture. Bright and patterned cushions add the right color to your room furniture and also include comfort to your seating.

The Mother Nature effects

You can use the help of green plants or flowers to add not just color to your living room but also personality and fragrance. It adds a good and soothing feeling to your room. However, if you are not fond of plants inside the house or cannot take much care of the plants then you may opt for artificial flowers which only need to be dusted.

Install a Fancy Lamp

For a more classic look, add an interesting, fancy lamp inside your room. You can install electrical components inside some pot or sculpture of your choice which gives exclusiveness and personality to your room. The yellow lights play a soothing role and are immensely seductive.

Color the Floor

You can start to clear the floor by adding a colorful rug in your living room which adds texture and some fun element in the room. Using it on top of hardwood flooring or plain carpets can create an interesting effect. Try to opt for rugs which share the theme of the entire living room.

Artsy personalization

Personalize your family room in an artsy manner by adding a family photo gallery on a plain wall. Frame your photos and place them strategically on the wall to add color and uniqueness to your living room. You can further add decorative objects around the room on shelves, racks or tables. Antique objects, photos, jars of dry fruit or candies may be used.

Five Tips For Cleaning Urine Stains on a Mattress

Here are various strategies people have used to clean urine stains on mattresses.

1. Use the product “Urine Gone.” Works well for pet or people stains/odors.

2. One part white vinegar mixed with 2 parts dishwashing liquid. Blot as much urine as you can with paper towels. Apply mixture generously on stain with wet sponge or cloth. Let sit for half an hour. Using a clean cloth, blot as much of the soap mixture as possible. Sprinkle wet area liberally with cornstarch and vacuum away when dry.

3. Mix a syrupy paste using cornstarch and water, enough to cover the stain and stir until all lumps have gone. Pour mixture over the stain and leave for several hours until dry. Vacuum dry mixture.

4. Peroxide, baking soda and dish soap combination – mix this and spray on. You must use it within twenty minutes and you cannot store any remaining mixture. It produces short-acting by-products that are only active for a brief time. If you try to store it, it will leak or foam out of the bottle.

Mix 8 oz hydrogen peroxide, 3 tablespoons baking soda and a drop of dishwashing liquid. Mix well and spray onto urine stain. Stain should be gone in about five minutes. If the baking soda leaves a white powder, this can be vacuumed off or wiped away with a damp cloth. This is usually only a problem if too much baking soda is used.

5. Resolve carpet cleaner.

Mattress pads and bedwetting diapers can be useful in managing bedwetting while the causes are dealt with. Bedwetting children are usually heavy sleepers and have not yet learned to wake to the signal of a full bladder. In younger children, the body’s urine-reduction system is still developing and it is impossible for children to stop bedwetting unless they are developmentally ready.

Five Great Guatemalan Desserts

Every country has its own sweets and desserts. Sometimes they are known mainly only in their country of origin, and sometimes they become quite popular through exposure in ethnic restaurants. Some Guatemalan desserts are similar in nature to ones in other countries, as with their Borracho cake. Many cultures have cakes that are soaked with a sugar syrup and alcohol. Other Guatemalan desserts are far more unusual.

The cake mentioned above, the Borracho is a light sponge cake that is literally drenched in sugar syrup laced with a typical Guatemalan rum made from their sugar cane crops. This cake is found in pastry shops around Guatemala City, and is generally sold by the slice. Slices are set into a larger muffin paper to contain the syrup dripping out. The cake is topped with a cornstarch pudding made with milk, and then decorated with raisins. In my early life I had never heard of this kind of cake, and it quickly became a favorite. The sugar syrup is cooked with a true cinnamon stick so the syrup is cinnamon flavored. The cake is simple to make as any sponge cake will do, and any simple cornstarch pudding works for the topping.

Rellenitos de Platano are one of the desserts I have always been enchanted with. Platanos are plantains, and relleno means filled. In this case, these little oval shaped desserts are filled with black beans cooked down to a paste. If this sounds strange, it is nonetheless a delicious flavor combination. Eating plantains and black beans, a common pairing at any meal, are a particularly tasty combination. In this case, the plantains are cooked and pureed, a little sugar and cinnamon are added and this is the outside of the dessert. Pureed black beans are cooked down to a thick paste and a small bit is placed into the center of an oval shaped bit of the plantains. These are fried and rolled in granulated sugar to serve, hot or cold.

Chancletas are another interesting use of a vegetable. These are made with Chayote squash. At times, these squash are plentiful, and using them as a dessert is just another way to use up the excess. The chayotes are cooked whole. Once tender, they are split in half and the insides are scoped out as for a twice baked potato. The inner flesh is mashed or pureed and sugar, cinnamon, raisins and cookie crumbs are added to thicken. The mixture is placed back into the skins of the chayote and set on a baking sheet. These are baked until set, about 20 to 30 minutes. The name chancleta means slipper, as they are supposed to resemble a slipper.

Polvorosas are a type of shortbread cookie. The name comes from the word polvo, meaning powder or dust. The cookies are rolled into powdered sugar when baked, so biting into them gives one the reason why they are thus named. Shortbread of any kind is made without eggs added to bind the batter or dough, and this makes shortbread unusually crumbly. These little cookies are made into small round shapes with a flat top. They are much the same as the cookies known as snowballs, or Mexican Wedding Cakes.

Other typically Guatemalan sweets are found sold by street vendors on many street corners. The Guatemalans make candy out of unlikely things such as squash or sweet potato, along with some fruits like figs, orange peels or guavas. These candied fruits or vegetables can take days to make, because of the long, slow cooking process required to get them down to their dried, crystallized state.

Many other typical candies are also sold alongside these candied fruits or vegetables, and all of them have their particular flavor and shape. All of these desserts are amazing in their variety and in the imagination of those who came up with the recipes. Nothing is wasted. Even leftover cakes are made into a new cake, using the crumbs as a base.

Thank you for taking the time to read my article. I hope it was informative and helped you along your own culinary journey.

What is a Snowboard Stomp Pad and How is It Used

If you’ve ever thought about trying snowboarding, chances are you have heard of a snow board stomp pad. But how much to do you actually know about the pad and why it is an essential part of the equipment? Here’s a few basic facts about a stomp pad and how it is used.

When getting off a chairlift and onto a snowboard, only one foot is actually in the binding. Your other foot has to rest on the snowboard itself until you can come to a complete stop and strap it into the binding. Sometimes you will need to make a turn as you leave the chairlift. This is where the stomp pad comes into play. The pad helps prevent your free foot from sliding all along the surface of the snowboard while you are making the turn.

Utilized to help you get traction on the surface of your snowboard, the stomp pad is adhered to the board with an adhesive. The topside of the pad will also be somewhat sticky, allowing your free foot a place to step and not slip around. Ideally, the pad will be placed toward the rear binding so that you can step directly onto the pad and ease your foot into the proper position to bind it to the board.

In addition to helping you dismount gracefully from a chairlift without ending up on the ground, the stomp pad also is useful for helping to remove any accumulation of snow that may have built up on your snowboard boots. By using the pad to scrape any snow or ice fragments before you strap in the foot, you make sure there is nothing that will interfere with your ability to control the direction of the board.

Typically, snowboards come with a stomp pad. If your board does not have one, it is a good idea to purchase one and adhere it to the board yourself. As the pads do need to be changed from time to time, the pads are relatively inexpensive and easy to replace, so go ahead and purchase several.

When affixing the stomp pad to your snowboard, make sure to not simply stick it in place and consider it done. Press down on the pad for a few seconds, making sure the pad does adhere to the board with no wrinkles or puffs in the pad. Do not remove the paper protector from the top of the pad until you are sure the bottom is firmly holding to your board.

It is a good idea to make a few trial runs with using the stomp pad before you get on a chairlift. Make sure you have a good feel for where your foot should be and get used to the way the pad provides the traction for your boot. Ideally, you should be so comfortable with this process that you do not have to watch what you are doing. Those extra seconds it takes to eyeball maneuvering your foot into place and securing the bindings can cost you valuable time during a competition.

Snowboarding is a great sport and one that can provide a lot of enjoyment. If you really want to get the most out of the experience, make sure you know how to install and use a snowboard stomp pad.

Model Train Baseboards – The Foundation For Your Model Railroads Success!

Base boards are used for building your model train on. Your tracks are attached to this base board and your scenery is built on it. Once you have decided the size of the area you have to work with, then you can determine the size of your train models base board.

Other factors for choosing your trains’ base board are your budget and if it is going to be a fixed or portable set up. There are 5 popular materials that are used for building base boards for model trains. In this article you will learn about which ones they are along with their pros and cons.

Top 5 Materials for Making Quality Base boards

Plywood is a man-made board that is made out of thin wood layer sheets. The multiple layers are glued together and the outside sheets will have the grain running in the same direction. This design minimizes the board from warping. The glue used is a formaldehyde derivative, which means, you should always wear a mask when you are cutting this material.

Plywood is the preferred board material for model railroad base boards. It is durable, strong and can handle any changes in its environment (like moisture) that other materials can’t. There are 2 types of plywood:

  1. Birch Plywood – is extremely durable and tough. If you want the best this is it. When attaching your track with track pins to this material, because of its hardness, most likely you will need to pre drill the holes. The only downside to Birch Plywood is that it does cost more but experience railroaders know that it is well worth the extra cost.
  2. Far Eastern Plywood (FE Ply) – Because this plywood is less expensive to manufacture it does cost less. It is better than some other materials but it does not compare to Birch Plywood. You will find this plywood being used a lot with ‘DIY Shed Kits’. There have also been some reports of wood worm in this grade of plywood.

MEPS – this is also an engineered wood product. It is produced from softwood that has been turned into wood fibers. These fibers are held together with resin and wax and then formed into a board. Again, when cutting this board wear a mask as it also contains formaldehyde.

Both of these base boards will serve you well. They are both strong and do not warp or split. You will need to use power tools for cutting and drilling holes. If you are making a portable baseboard then keep in mind that these materials can be heavy to move.

Sundeala – This product is available in the UK. These boards are made from newspapers that have been recycled and are becoming popular with model railroaders for base boards. The plus sides of Sundeala boards are:

  • Easy to work with as they take track pins without drilling.
  • They are light in weight.
  • They can be cut and molded with a strong knife so no power tools are needed.

The downside of these expensive boards is their softness can break down easier. They are prone to break, crack, sag, curl on the edges and can swell from moisture.

If weight is your main factor then go ahead and use this board. But make sure you use 12″ centers for the underneath support frame as this will combat any sagging possibilities.

Particle Board (chipboard) – this man-made board is made from sawdust, sawmill shavings and wood chips. These materials are held with resin glue and compressed together. The way these boards are made makes them denser, cheaper, lighter and more uniform than plywood. But Particle Boards are a weak fiber and have the tendency to absorb moister.

You can easily combat this potential problem by simply sealing the board with oil based paint. Its low-cost does make it popular but serious railroad enthusiasts never consider using it.

MDF (Medium Density Fiber board) – this particle board has a hard smooth outside finish. Therefore it is used on things like; kitchen cabinets and highway road signs. The boards are a bit heavier than plywood and not as strong. So it needs to be on 12″ centers for the underneath support framing and you should never go below 12 mm in thickness.

As you can see there are several choices for building base boards. Your choice will most likely come down to these 6 questions:

  1. What tools are available for you to use.
  2. What conditions your railroad will be used in.
  3. The cost of the board material.
  4. The availability of the board material in your area.
  5. The size of the area you can set up your railroad.
  6. Is your railroad going to be a fixed or portable set up.

Tips in Fixing Power Gear Levelers

Power gear levelers are normally quite reliable. However, we all know that even the best product out there can have some problems. Before we discuss the different things you can do to troubleshoot, let’s first take a look at the basics:

A power gear leveler system has these components:

1) Control panel –this is located on the driver’s area and is used to control.

2) Electric pump –this pump moves the hydraulic fluid around the system and creates the force necessary to move this device.

3) Solenoid valves – four valves control the movement of the hydraulic fluid.

4) Hydraulic fluid reservoir- this contains the hydraulic fluid whenever you are not using this unit.

5) Jacks –these support the RV. Raised and lowered by the hydraulic fluid, the jacks provide the surface for the RV.

Now, here is how the whole power gear leveler works:

Pushing one of the four buttons on the control panel causes valves to open or close and thus, the hydraulic fluid is forced into the hydraulic jacks, raising and lowering them. You can control the height of the RV because this leveler works on a ground system, which means that the solenoid valves remain open as long as you push the button on the panel.

A control panel has four buttons. However, you cannot control each jack independently: The “front” button controls two jacks at the front of the RV, the “rear” button raises and lowers the rear jacks simultaneously and the right and left buttons control each side of the RV.

Here are some problems you may encounter with a power gear leveler:

“Jacks down” alarm is on

-this problem may be caused by having insufficient hydraulic fluid in the system. To check the hydraulic fluid level, you have to make sure that the jacks are retracted. To make things easier for you, there is a measuring stick located in the hydraulic fluid reservoir. The fluid level should be 7/8″ for square reservoirs. If your fluid level is low, you should check the system for any leaks and have it repaired.

Power Problems

If you have problems regarding the power of the power gear leveler, you might want to check one of the fuses that can be located in the control panel.


They say that an ounce of prevention is worth a pound of cure. In order to prevent these problems from occurring, you need to regularly take care of your power gear leveler. Here are some maintenance tips you should follow:

1) Regularly wipe the jacks – You should wipe down the extended jacks regularly to prevent them from sticking. You should also check for any loose soil or rocks that might get into the power gear leveler system. This is important as foreign objects may cause huge damage to the power gear leveler.

2) Lubricate- Another thing you should never forget to do is to lubricate your jacks. This makes extending and retracting smoother for your unit. Make sure to use a lubricant that does not attract dirt or dust.

3) Use pads – instead of directly placing the jacks on the ground, use pads. This serves the purpose of giving your power gear leveler a more solid footing and also minimizes the effects of weathering on the system.

Marijuana Drug Slang Every Parent Should Know

As a parent, one of the most difficult aspects of raising a teenager is to help your child fight the urge use alcohol and drugs. Educating yourself regarding the drug slang of marijuana, the most widely abused illicit substance, is an essential step in determining if your teen is smoking the drug and then begin home drug testing to stop the problem before it develops into a habit. Each new generation of young people develop new slang terms for the multitude of drugs that they have access to and it is important to stay on the top of the ever changing terminology.

The Most Commonly Used Marijuana Slang

Marijuana itself is known by many different names depending upon the region of the country, potency of the marijuana, color and other subtle differences in the plant which acts a secret code to determine what a user is offering or purchasing. The slang terms include “pot,” “weed,” “herb,” “bud,” “chronic,” “ganja,” “hash,” “trees,” and “dank.” A bag of marijuana is referred to as a “sack” or “bag” and will often times be described and called upon based upon the weight of the marijuana like “quad” or “eighth” (which means a quarter of an ounce and an eighth, respectively). The utensils and tools used to smoke marijuana have their own abundance of slang terms including “bong,” “pipe,” “piece,” “blunt,” and “joint.” Learning the various definitions and meanings of the slang terms for marijuana will empower you as a parent to take preemptive steps in order to prevent marijuana usage in your own home.

Coded and Subtle Differences

The common slang terms of weed and pot are interchangeable when referring to any marijuana in general but certain coded vernacular refers specifically to the potency of the drug. The word “chronic” is known throughout the drug circles as the term for the strongest, most powerful strains of marijuana. Grown indoors or hydroponically, “chronic” maximizes THC content producing super potent pot. On the other end of the spectrum, the slang word “schwag” or “brick” is generally used to describe inexpensive, low quality marijuana which is usually grown outdoors in bulk fields under inferior conditions. The slang “brick” refers to the packaging and pressing method used by many drug cartels to literally smash together and form bricks of the marijuana. Understanding the subtle differences between these marijuana drug slang terms can help you as a parent gain a stronger understanding of which type of pot and how much of it your child may be using.

Terminology of Smoking Utensils

A teenager who has been using and ultimately abusing marijuana will inevitably begin experimentation with the plethora of different tools which can be used to smoke the drug and understanding the different slang terms can help you determine how your child is ingesting the pot. The most commonly used item to smoke marijuana is a simple metal or glass pipe through which the substance is smoked through and inhaled. General slang for pipes include “bubbler,” “piece,” “hammer,” “one hitter,” and “tools.” More advanced or adventurous smokers use a water pipe, universally referred to as a “bong.” Simple hand rolled marijuana cigarettes are called “joints” (often rolled using a common cigarette paper called “zig zags”) while a marijuana cigar is known as a “blunt” and is often filled with super potent “chronic.”

Dealing and Distribution Slang

Unfortunately, marijuana abuse can lead many teenagers to sell the drug in order to support their habit. There are important slang terms solely related to dealing and distributing the pot. In order to weigh and break up the marijuana, a person needs a scale. The three most commonly used scales are called “hand scales” for the simplicity and ease of use when in someone’s hand, a “digi” because it is a digital scale, and a “tri-beam” which refers to a triple beam balance (think like a high school chemistry set). The price and bag sizes of marijuana are based upon the weight, so pay close attention for slang terms like “eighth,” “zip (ounce)” or “QP” (quarter pound).

By combining your knowledge of the slang terms for marijuana, the tools used to smoke the drug, the terms used in its distribution, and simple home drug testing kits you can be assured as a parent that you are doing everything possible to keep your family drug free.

Tips for Offering Move-In / Move-Out Cleaning Services

People and businesses are moving from homes, apartments, and offices on a daily basis. As people and businesses move, they either need their old location cleaned or want to make sure their new location is clean before moving in. Your cleaning company can fill this niche by providing what is known as move-in / move-out cleaning. It can be an added service that your cleaning business provides, a way to give employees new skills, and a great way for your company to make more profit!

Move in / out cleaning can be cleaning a building after an old captain moves out or before a new tenant moves in. The type of clients looking for move in / out cleaning includes residential and commercial property owners and managers. Commercial move in / out cleaning can vary from small, quick jobs of just a thousand thousand square feet to large office buildings of 15,000 square feet and up.

A good place to start when looking for move in / out cleaning accounts is to contact property management companies. If you happen to be located in a college town there will probably be no shortage of work. If you have been cleaning commercial buildings, your clients will no doubt ask you to provide move in / out cleaning services when they move into a new office or building.

When first starting out with move in / out cleaning it may be necessary to meet with the property manager on-site to give an estimate on the time it will take to clean the apartment, office, or building. Once you establish a relationship with the property manager you may be able to skip doing an estimate and just bill for your time. They will most likely need floor cleaning services too (carpet, tile, wood). These are specialized cleaning services, which you will charge separately for. Offering these specialized services will also add more profitability to your cleaning company since you will charge more for these services.

The prices charged will vary depending on the type of facility you are cleaning, but you should be able to bill $ 20 – $ 25 for your services. Apartment buildings tend to be less profitable than commercial buildings because many apartment managers have a budget to adhere to, so they like their cleaning contractors to bill a flat fee because it's easier to stick to their budget. Cleaning contractors need to be cautious about bidding this way. Some apartments take much longer to clean than others so you do not want to lose money because you underestimated your time.

No matter if you are cleaning a residential apartment, home or a commercial building there are several steps you should take to guarantee your success and your customer's satisfaction with your move in / out cleaning services.

· Use teams of 2 to 4 people for apartment cleaning, depending on the size of the apartment. Larger teams may be needed for commercial locations.

Team members should be specialists in the tasks they are performing. For example, in a two person team, one person will be assigned to dusting, windows, and vacuuming. One person will be assigned to bathrooms, kitchens, hard floor vacuuming, and mopping.

The team leader is responsible for making sure that all equipment and supplies are brought to the job site and collected when the job is complete. Put all tools and chemicals into a plastic tote.

· Before you begin check with the client to make sure the job site has working utilities. You can not clean without running water and you need electricity to run a vacuum. If it is the middle of the summer, you should make sure the building's air-conditioning is working properly. Cleaning chemicals and drying times can be affected by heat and humidity.

· Begin cleaning by removing all trash. Pick up all trash that is too large to vacuum. You will be able to vacuum more efficiently as you will not have to stop and pick up large objects.

· Use a microfiber flat mop for cleaning ceilings, walls, baseboards, and doors.

· Proper vacuuming is an important step in move in / out cleaning. Using a backpack vacuum with the proper attachments can speed up the tasks at hand and make work easier on the cleaning staff. Remember to vacuum from high to low, including light fixtures, window tracks, blinds, and along the baseboards. It is also much easier to vacuum out cabinets and drawers than wiping them.

Some of these items will need to be wiped down after vacuuming; light fixtures, insides of cabinets and drawers, ceiling vents, heat registers, and blinds.

· Windows and patio doors should be washed with an applicator and squeegee. Use scrapers or # 0000 steel wool to remove stickers and bugs. Be sure the window is wet when using these tools or you could scratch the glass. Frames and tracks should be vacuumed and then wiped down.

· After picking up trash and vacuuming, start cleaning the stuck-on crime and dirt. Chemicals to have on hand include: bowl cleaner, fume-free oven cleaner, window cleaner, all-purpose cleaner, degreaser, neutral floor cleaner, stainless steel polish, and furniture polish. Save money by using concentrated chemicals rather than RTU (ready-to-use) chemicals.

Spray spots and make sure you give homework time so the chemicals have time to work. It is important that you have enough air movement so employees do not breathe in fumes. Make sure that your employees have the correct personal protective equipment (gloves, goggles, etc.) when working with chemicals.

· Deep cleaning. If you need to loosen build-up, use the correct cleaning tools – paper towels, terry cloth rags, microfiber cloths, pads, brushes and scrapers. Use caution when using these tools – you do not want to damage surfaces.

. Use paper towels, terry cloth rags, or microfiber cloths for most cleaning tasks. Use a green microfiber cloth for dusting; blue for windows, glass and polished surfaces; red for cleaning restrooms and yellow for countertops, sinks and walls.

. Use hand brushes for scrubbing showers, sinks, stoves, and refrigerators. Use grout brushes for cleaning up grout on countertops and ceramic tile floors. Toothbrushes can be used for detail cleaning around faucets and around the rims in toilet bowls.

. Use white pads for surfaces such as glass, chrome, stainless steel and plastic. This is because white pads are not as abrasive as green pads.

. Green pads are good for greasy areas including bathrooms, toilets and scrubbing shower stalls. Be careful when using green pads however, as they can scratch surfaces.

. Use a 2 "utility scraper for build-up and adhesives in kitchens and bathrooms.

· Save time by spraying the inside of the refrigerator and showers / tubs with a pump-up sprayer rather than using a spray bottle. When cleaning kitchens, be sure to pull out the stove and refrigerator. Clean the walls, sides of appliances, sides of cabinets, floor, and vacuum the coils. Also clean the oven hood and filters.

· Clean floors last. Use the backpack vacuum to give the floors a final vacuuming, and then mop all hard surface flooring.

Offering move in / out services is one way to start your cleaning business. It also provides a way for an established cleaning company to provide added services to their existing clients while placing extra dollars onto the bottom line.

Surgical Mole Removal or Non Surgical Mole Treatment – Which Is Best?

A mole is an overgrowth of pigment cells in the skin. They may be dark in colour or the same colour as the surrounding skin. There was a time when they could only be treated surgically. This involved the mole being cut out of the skin and the procedure often left scarring that was worse than the mole. Before we can answer the question as to whether you should have the mole removed or treated we need to look at what exactly a mole is and why you would want to have it removed or treated.

Today we can treat moles non surgically using diathermy. Notice I say we can “treat” moles rather than remove them. So what’s the difference between treatment and removal? Both mole treatment and mole removal should result in it no longer being visible.

Mole removal involves the mole being surgically cut from the skin. It may be raised above the skin or flat but it will also extend below the surface of the skin. Mole treatment involves the mole being cauterised using diathermy so that it is no longer visible. This is an important distinction because technically the mole is still there, it’s just that you can’t see it any more. There are two reasons that it is no longer visible after being treated with diathermy. Firstly the diathermy technique can be used to level the mole if it is raised. In other words once treated the skin will be flat and level with the surrounding skin. Secondly the mole is made up of normal skin cells and cells called melanocytes. These melanocytes are responsible for producing melanin, the dark pigment in our skin. The reason moles are often dark is because the mole contains a large proportion of this type of cell. Diathermy reduces or even completely eliminates the melanocyte cells in the mole therefore the mole loses it’s dark colouration.

So which method is best? Well it depends upon your reason for wanting the mole gone. If the reasons are purely cosmetic then diathermy may be the best solution. Surgery can as I have already said leave scars so if the mole problem is purely cosmetic then diathermy may be a better option in this case. However there are some cases when surgical removal is the only option you should look at. If there are any signs of malignancy then it should be removed surgically. If your doctor suspects the mole is cancerous then surgical removal will be accompanied by histopathological examination of a sample of the mole (examination under microscope looking in particular for cancer cells).

If you are considering getting rid of a mole your GP should be your first port of call. Your GP will be able to tell by looking at it and asking a few questions whether it is safe to treat it cosmetically using diathermy or whether it needs removing and screening for cancer. Generally moles that get darker, itch, bleed or are irregular in shape are suspect and your GP may refer you to a dermatologist for further investigation. However, some irregular moles may not be moles at all. Seborrhoeic keratosis (also called Seborrhoeic Warts or senile warts) are often mistaken for moles but they are not in any way related. Seborheic keratosis affects the top epidermal layer of the skin and is completely benign and easily removed using diathermy.

NNPC: Achievements and Contributions to the Nigerian Economy

The Nigerian National Petroleum Corporation (NNPC) announced in October last year that the much-anticipated Okpai Power Plant in Delta State, the largest gas-power initiative in the African continent, is on the verge of becoming operational. The two phases of the project that would together generate 1,000 MW of electricity on completion is being implemented under the Clean Development Mechanism Protocol of the UN Framework Convention on Climate Change. The rare achievement, which marks a significant milestone in the country’s infrastructure development, reconfirms NNPC’s position as a principal driving force behind the Nigerian economy.

The state-owned NNPC provides fuel to industrial facilities, commercial enterprises and individuals, with operations that cover the extended spectrum of the Nigerian petroleum industry. An extensive brief tasks it with all aspects of production, distribution and marketing, besides training workers, managing oil leases, encouraging indigenous participation, ensuring uniform pricing in local markets and exploring allied industries, among other things. With sales totalling $2.6 billion in 2005, it is a major revenue earner for the government that additionally provides employment to over 15,000 people. The company’s history goes back to 1971, when the Nigerian National Oil Corporation (NNOC) was created after the country signed on to be a member of the OPEC.

Six years into its existence the company was renamed to its present avatar, while the government went on to decentralise it into nine subsidiaries in 1981. Over the next two decades, the NNPC significantly augmented its holdings in multiple oil ventures amid sustained attempts to make it a financially autonomous and commercially integrated entity. However, even as foreign oil companies clamoured to invest in Nigeria, the NNPC faced severe challenges due to political instability, inept governance and massive corruption.

The evolution of NNPC into present day is also a story of grave mismanagement, severe operational failures and frequent scandals. Investigations by the 1980 Crude Oil Sales Tribunal found widespread irregularities that cost the government over $2 billion in revenue losses. The company was the subject of international censure the same year when one of its offshore wells was involved in an oil spill that resulted in the deaths of 180 people. Relations with international oil companies soured over disputes that saw the incarceration of the then Nigerian minister of petroleum resources in 1990. The oil and gas sector was understandably the focus of reforms unveiled at the beginning of the new millennium, by which time the company’s frequently exposed malpractices caused it to be viewed with widespread popular disdain. A series of layoffs ensued between 2003 and 2005 when several thousand employees were let go. Around the same time, the NNPC enthusiastically started out several joint ventures in offshore drilling and gas production.

Despite its chequered past, the company has been responsible for significant achievements in Nigeria’s economic development:

* NNPC oversaw the country’s first equity stake in oil production with the Agip Oil Company in the mid-60s to better exploit resources for national development.

* It spearheaded oil exploration to confirm Nigeria’s position as the top crude exporter in Africa in the 1970s, boosting oil revenue from N200 million to N10 billion through the decade.

* In 2004, the NNPC unveiled plans to launch the ambitious West African Gas Pipeline to supply Nigerian natural gas to several neighbouring countries.

* Nigeria emerged as an important exporter of natural gas with the establishment of the liquefied natural gas plant in Bonny in 2005 as part of efforts to end gas flaring by the end of this year.

* NNPC entered into a $1 billion joint-venture in the offshore Agbami fields to increase national crude production capacity by a further 250,000 barrels per day.

* Through its recent Okapi Power Plant, the NNPC will generate the first carbon credit in compliance with the Kyoto Protocol and related UN resolutions.

While the NNPC looks set to achieve more significant landmarks in the years ahead, its performance faces tremendous pressures from both within and without. The company’s future hinges on its ability to identify and capitalise on new opportunities that are in line with Nigeria’s plans for accelerated development. Its sphere of influence on almost every aspect of growth bestows on it critical significance in the context of Nigeria’s goals for universal basic human rights. Although much government effort in recent years has been devoted to reversing the country’s traditional dependence on non-renewables, the oil and gas industry is predicted to grow exponentially over the next few years. With oil accounting for 81% of present government revenue, the NNPC has a major role to play in reversing decades of economic stagnation and driving massive entrepreneurial growth. Curious as it may seem, it is oil revenue that funds Nigerian government initiatives to diversify the economy and achieve rapid enterprise revolution across non-oil sectors. With NNPC confident of improving known crude reserves from 36 billion barrels to 50 billion barrels by 2015, the sector assumes all the more importance.

Revamping the oil and gas industry into an engine for job creation, poverty alleviation and rapid national growth has to be one of the fundamental objectives of the NNPC in coming years. Optimising its performance over the next decade calls for detailed review of several considerations:

* Enhancing access to capital and technology and promoting independent control of joint-venture investments.

* Multiplying gas production and improving transmission to both domestic and regional gas markets.

* Establishing strategic partnerships with global gas companies to secure presence in international markets.

* Achieving production efficiency and selective growth to improve capacity in joint-venture operations.

* Rationalising the NNPC portfolio to ensure focus on high-growth potential assets.

* Extending refineries and gas-based industries to help turn Nigeria into a regional hub for petroleum products.

* Reducing operational constraints and production suspensions resulting out of vandalism and violence.

* Implementing further reforms in the oil and gas sector to improve transparency and boost investor confidence.

One of NNPC’s biggest challenges is providing a level-playing field for investors in Nigeria, both existing and new. In this connection, the proposed Petroleum Industry bill and amendments to the country’s tax regime are expected to go a long way in further opening up the sector to foreign investors.

Reforming the NNPC into a commercially aggressive entity will require further reforms, especially to improve internal regulatory authority and deter corruption. Political instability has obviously been one of the major hurdles in the company’s performance, and Nigeria must ensure its independence from partisan or bureaucratic interference. That NNPC has a critical role to play in furthering Nigeria’s economic interests is without question. What remains to be seen is how far it is able to deliver on this promise!

The Oz Principle – A Book Summary

In The Oz Principle, Connors, Smith, and Hickman brilliantly use the analogy of “The Wizard of Oz” to discuss a business philosophy aimed in propelling individuals and organizations to overcome unfavorable circumstances and achieve desired results. This philosophy can be encompassed in one word: ACCOUNTABILITY.

The eponymous principle builds upon the ethos of personal and organizational accountability. It explores the root cause of an organization’s impediments to exceptional performance and productivity, and provides great insight on how to re-establish a business from the bottom up, emphasizing on the thin line that separates success from failure. The Above The Line, Below The Line methodology is the driving force behind The Oz Principle.

The Oz Principle: Getting Results through Accountability

Just like Dorothy’s search for the Wizard of Oz for enlightenment, individuals and organizations also seek out the wizard that will save them from the maladies that afflict their workplace. However, the wizard is just a distraction, bearing new-fangled business philosophies and management fads that will only create a layer atop the ugly truth that needs to be revealed. When the core problem is not addressed, the ills will

eventually resurface and the business is back to its sorry state.

Victim Thinking or Failed Accountability

When a company suffers from poor performance or unsatisfactory results, individuals from top management all the way to the front line begin finger-pointing, forming excuses, rationalizing, and justifying, instead of doing something to alleviate the situation. They foolishly profess that the circumstances have made victims of them, that the events are completely out of their control, and that they shouldn’t be blamed for the company’s current problems. It’s always something or someone else, never themselves.

Above The Line, Below The Line

A thin line separates failure and success, greatness and mediocrity.

Above The Line, you’ll find the Steps to Accountability which include in chronological order: See It, Own It, Solve It, and Do It. The first step, See It, means acknowledging the problem; to Own It is to assume responsibility for the problem and the results; Solve It means to formulate solutions to remedy the situation; and, as a culminating step, Do It commands the

practical application of the solutions identified.

Below The Line is where the self-professed victims play

The Blame Game. Here, crippling attitudes such as Wait and See, Confusion/Tell Me What To Do, It’s Not My Job, Ignore/Deny, Finger Pointing, and Cover Your Tail are rampant. Though majority of the people found in this dimension are weak in accountability, this does not mean that very accountable individuals are exempt from falling Below The Line. They, too, slip every now and then. The only difference is that they know how to get out of the rut.

A Simple Solution to Victimization

Individuals and organizations Below The Line languish in

self-pity until they get trapped in the “I Am a Victim”

mind-set and find it hard to break free from the vicious cycle. Accountability offers a very simple choice to make, albeit a difficult one to act upon: “You can either get stuck or get results.” So stark in its simplicity that most people fail to realize that the ball has always been in their court.

The Power of Individual Accountability: Moving Yourself

Above The Line

The first step to accountability is recognizing the problem.

It takes great courage to admit that you are stuck in a

difficult situation. Most people, however, fail to view

reality the way it is because they choose to ignore it or

they accept the situation as the status quo and go along

with it.

To commence the march up the Steps to Accountability, you must first muster the courage to: a) recognize when you fall Below The Line; b) realize that remaining Below The Line not only ignores the real problem but leads to increasingly poor results; and c) acknowledge and accept reality as the first step toward taking accountability.

Mustering the courage to See It will lead to the next step,

Owning It. Here, you must have the heart to own the

circumstances you’ve recognized in the See It step as well

as the results that will come from the course of action you

plan to take.

“What else can I do to rise above my circumstances and achieve the results I want?” That is the question to continually ask yourself when you find yourself stuck in a stubborn situation. Apart from creating solutions, Solving It also involves foresight in determining the worst possible scenario that can happen, and being prepared to battle it head on.

Having solutions is not enough if you neglect practical

application. You can’t Do It unless you make yourself

accountable not only for immediate circumstances but also for future accomplishment. With this, you are empowering not only yourself but also your organization.

It’s so easy to be pulled back Below The Line, especially if you don’t accept full accountability for the situation and the future. A lot people are afraid to become accountable because they fear the risks associated with it. However, know that without taking the big leap, you will never get anywhere.

Common Cold Weather Snow Blower Problems

Snow blowers are made to run in the cold weather but when it gets REALLY cold outside, funny (or not so funny things) can develop. Same goes for a snow blower that is stored outside or in an enclosure where the temperature is at or near the same temperature as outside. If you have a heated garage, or a way to heat your garage or shed or wherever you store your snow blower, then you are way ahead of the game.

I don’t know how winter is in other parts of the country but, here in the Northeast, when there is a snow storm the temperature is generally in the twenties or low thirties. But sometimes it snows when the temperature is in the single digits or close to zero and that is when some new and not so nifty things start happening to snow blowers stored in the cold. Handles won’t depress. Impellers won’t engage. Engines that were running fine won’t start. Belts start to smoke and squeal when engaged. Cables break and starters won’t engage.

A lot of that has to do with putting away a recently used “hot” snow blower without cleaning off the snow. The snow now melts and freezes in the strangest places. Let’s address most of these problems assuming we have a two stage wheel propelled snow blower. But first, a brief explanation of the types of snow blowers out there.

A two stage snow blower has the large steel auger up front that turns at a fairly slow rate of speed and scoops in the snow. The second stage is the smaller, faster turning fan below the chute that actually throws the snow. A single stage snow blower has a fast turning impeller / auger that turns at a fast rate of speed and both scoops and throws the snow. The wheel propelled single stage snow blower is becoming rare as the rubber-paddled units have taken their place. They are lighter and less expensive to make and they throw the snow just as far or farther.

1) Let’s take the smoking belt or impeller won’t engage scenarios (usually related) first. You grab the auger engagement handle and no snow comes out of the chute but the belt starts squealing or smoking. Let go of that handle RIGHT NOW and shut down your snow blower. Tip it back on it’s handle bars if possible. If the gas tank is full, put some plastic from a grocery bag under the filler cap to keep the gas from pissing out of the cap vent. Reach in back to the second stage impeller. That’s the 3 or 4 bladed fan that throws the snow out of the chute on a 2 stage snow blower. See if you can turn it by hand. If not, it is probably frozen to the bottom of the drum it is housed in. There is usually a drain hole at the bottom of the drum to prevent this but it is not always sufficient. Occasionally the impeller blade coasts to a stop with one of the blades straight down. This makes it easier to freeze.

2) How to repair: Drag or drive your snow blower into an area where you can turn on some heat to thaw out the snow blower. If you don’t have this luxury, use a hair dryer. I’ve also seen people make a tent with a tarp over the snow blower and using a space heater to thaw out the unit. Be careful how close you set up the heater and the direction you point it. A space heater can melt or start a plastic tarp on fire. You could just direct the space heater into the auger area and hope for the best. It doesn’t usually take too much to melt the ice. Using a propane torch is the least desirable and most unsafe option, as an open flame is dangerous near any outdoor power equipment. Just a little bit of gas spilled nearby can be a potential disaster waiting to happen. You’ve read about it in the newspaper so don’t even go there or you’ll end up in the newspaper too. I can’t tell you how many times, back in the business, when we just dragged a bunch of frozen snow blowers into our warm shop prior to entering the “triage unit” and that was all that was needed to cure the problem.

3) How to prevent: Clean the snow off the snow blower and inside the impeller /auger housing when done snow blowing. Then make sure that none of the impeller blades is pointing straight down where the melted snow can puddle and freeze.

4) Auger or wheel drive handle won’t engage: This generally occurs on models with cables rather than linkage. The cable gets moisture inside and freezes. If you don’t have cables, follow the linkage to a pivot point that is frozen. This may require removing an access cover. Thaw out cables or linkage using same method as frozen impeller; safely applied heat.

5) How to prevent: Remove both ends of the cable and apply low temperature or white lithium grease. Work the cable back and forth to coat the entire inner length. WD40 or any rust penetrant may do the trick but the grease is more permanent. PLEASE NOTE: If you have a grease gun or use grease out of the tube or tub on your snow blower, make sure it is LOW TEMPERATURE GREASE. It will say so on the container. If unsure, ask the sales person – if you can find a knowledgeable one these days. The grease is usually blue in color. Don’t use regular ball bearing or general use grease on your snow blower. It will gum up when it is cold out and make parts stick or harder to use. On units that have linkage instead of cables, thaw out and spray or apply low temp lubricants on all pivoting parts.

6) Manual or electric starter won’t engage: This is why it is a good investment to buy the optional electric starter for your snow blower. If one starter doesn’t work the other one might. Again, safe heat applied in the proper location may solve the problem temporarily but it will probably happen again when the weather temperature drops. If your manual starter won’t engage or the rope stays out, it should be removed. There is generally a metal “dog” that freezes. It should be fairly obvious when the starter is removed where the “dog” or metal tab that engages into the starter cup is located. You shouldn’t have to remove the pulley but you should remove the center screw so the lube gets down into the pivot area. In this case, any sort of grease is usually NOT recommended. Use WD40 or similar liquid lubricant. Grease just gets gummy in cold weather, especially on a smaller gadget such as the starter dog.

If your electric starter sounds like it is spinning but it is not turning the engine over, then chances are the starter gear is frozen to it’s shaft. Thaw with safe heat. To help prevent freezing, a light lubricant on the gear shaft is recommended. On some machines you may be able to use a spray lube with the plastic nozzle extension on the shaft without removing the starter – but removal of the starter may be required. That way you can slide the gear all the way out and spray the shaft with low temp lube underneath where the gear slides or parks when not in use.

7) No start: A snow blower that ran fine the last snow storm but now won’t start, especially if it is very cold out, might just have a small amount of moisture in the tank, fuel line or carb that is frozen. Thawing out safely and adding gas line anti-freeze should do the trick but, if there is too much water in the fuel, you may have to remove the fuel line and drain the tank. But that doesn’t remove water in the carb. Some older snow blowers have a spring loaded drain on the bottom for that purpose. If not, you can crack the high speed adjustment screw or jet (as the case may be) open a few turns to drain the float bowl. This a messy job as the fuel usually goes in all directions or down your arm so have a coffee can and some rags ready.

Removing the carburetor or bowl itself is best left to a trained technician. But if you feel confident enough to try it yourself, be warned that if removing the float bowl (assuming it has a float type carburetor) is done in the horizontal position, the float and /or float needle can fall out. It is best to prop the unit up safely on it’s nose with an empty or near empty fuel tank. With clean rags and coffee can at the ready, the bowl can then be carefully removed and cleaned out. Carefully remove the float and check by shake it to determine if it has water or ice inside. If it does, replace with a new one and consider a carburetor rebuild kit while you are at the parts store.

Note: Some snow blowers have a diaphragm carburetor, and regardless of design, should have a carburetor kit installed if you are disassembling. Older Briggs engines with diaphragms have the carburetor bolted to the top of the gas tank and have to be removed as a unit.

As you can see, some preventative maintenance can go a long way towards avoiding cold weather freeze ups. If you are mechanically inclined but, can’t afford a mechanic, purchase a repair manual to help you with your project. It’s a good investment towards doing the job right the first time and it will feel good to do the job yourself.

How the Real Estate Foreclosure Process Really Works

Regrettably, this is the day and age where a prevalence of foreclosures keeps creeping closer and closer to home. Many hopeful sellers are wondering what is involved in a foreclosure and what steps can be taken to thwart such an occurrence. Following is a timeline of events when a property becomes “delinquent” on payments.

Breach Letter

The Breach Letter is a formal letter sent to you in an attempt by the lender to avoid foreclosure action. The lender hopes this letter will encourage you to contact them to work out an agreement called a Foreclosure Workout. With the age of foreclosures, we have seen the case where a homeowner is delinquent by 3 months, or more, and still hasn’t received this letter.

Foreclosure Workout (Reconveyance, Forbearance, loan modification)

Foreclosure workout assistance is typically done during the initial phase of the pre-foreclosure stages. Lenders are more than willing to attempt a plausible scenario to stop the delinquency and bring the loan current. There have been occasions where the lender is willing to lower interest rates, change adjustable rate mortgages to fixed, forgive delinquent amount owed and even wipe out junior liens they may hold if the value of the property is less than what is owed. If a work out plan is not initiated within approximately 45 days of the Breach Letter your case is normally referred to an attorney to file foreclosure action.

Attorney Referral

The lender will refer your case (delinquent loan) to an attorney or trustee, usually with 90 to 120 days, who then files a petition in court to foreclose your mortgage and get the lender the right to sell the home to pay off the outstanding balance of your loan. The average time between attorney referral and the foreclosure sale varies by state. In California, an NOD (Notice of Default) can be filed 90 days after a mortgage payment was due. With current regulations in CA, the lender now needs to personally contact the homeowner to advise them of their rights, what steps can be worked out, etc, before a NOD can be filed.

Junior Lien holders

These are also know as secondary or other lien holders. It refers to lenders, people or the government who may have a recorded lien against the property. Your primary lender may contact junior lien holders to determine the status of your loan with them. Once contacted these other lien holders may initiate separate foreclosure action to protect their interest pursuant to the terms and conditions of the mortgage or deed of trust. In today’s market, we are seeing less and less junior lien holders filing for an NOD because the value of the property is less than what any junior lien would receive in a trustee sale. Any junior lien holder is still responsible for senior liens.

Note: Most lien holders readily agree to participate in the workout solution.

Temporary Indulgence

A grace period, usually 30 to 60 days, may be granted to allow you to bring the mortgage current. If requested, you will have to demonstrate evidence that you can bring the loan current such as proof that you have one of the following conditions:

1. Have a contract for the sale of the property and a closing date.

2. Have an insurance settlement or one pending.

3. Have or are pending an approved funding from another source.

4. Have an approved “Relief Provision” completion date.

Special Forbearance

The suspension of payments for a specified period of time, usually no more than 18 months, from the date of the first payment. At the end of the suspended period the borrower may be expected to resume payment under a Liquidating Plan. This plan is used to assist borrowers experiencing a temporary loss, or reduction, in income that is expected to be restored at a later date. Most lenders provide Special Forbearance in any situation for which there is documentation and relief is warranted.

Long Term Special Forbearance

In certain situations Special Forbearance can be extended up to 24 months.

Military Indulgence

If you had a mortgage as a civilian and then later entered the military, you may be entitled to Military Indulgence granted under the terms of the Soldiers’ and Sailors’ Civil Relief Act. There are two components of this provision:

1. Interest Rate Reduction

This requires the lender to reduce the interest rate to 6% from the time the borrower begins active duty to the date of release. However, just entering the military is not enough; you must show that your income was significantly reduced as a result of entering active duty and that this has caused your financial hardship. If you qualify, this benefit is retroactive to your date of enlistment.

2. Additional Forbearance

In certain cases related to the financial hardship usually associated with the loss of greater civilian pay the veteran may request special consideration in the form of a reduction in the monthly mortgage obligation. The difference between the scheduled payment and the reduced payment is referred to as arrearage by Fannie Mae. Upon release from active duty the borrower is responsible for bringing the arrearage current. Note: Most lenders will not normally foreclose on a delinquent borrower that has been granted Military Indulgence. In fact, it is Fannie Mae’s policy to offer the borrower Additional Forbearance in this situation. If you cannot make payments you should seek a court order granting a stay of the mortgage obligation until you’re released from active duty.

Assumption: An enforceable “due-on-sale” clause is waived to allow a qualified buyer to assume the mortgage of a delinquent borrower.

Pre-Foreclosure Sale

In order to avoid foreclosure, the lender and borrower agree to accept the proceeds of the sale to satisfy a defaulted mortgage even if the sale results in less than the mortgage balance. In order to be eligible for this option you must be experiencing financial hardship as a result of involuntary reduction in income and an unavoidable increase in expenses that exceed income. Unavoidable causes include:

1. Lay-off or loss of job

2. Disability, or prolonged illness

3. Death of a mortgage contributor

4. If self employed, a business set-back

You will have to accept the following conditions:

1. Listing the property for sale will not delay initiating or continuing foreclosure action, but the

terms of the agreement will be honored pursuant to a sale before the foreclosure date

2. You agree to maintain the property

3. You agree to off-set any of the lenders losses (usually negotiable)

4. You may have a tax liability if any of the debt is forgiven. There are specific laws in place

(both Federal and State) which override this possibility.

5. The property is free of liens. If other liens exist, the lender must agree to the workout

pursuant to the eligibility requirement for an assumption

6. The lender retains the right to negotiate and approve the transaction.

Deed-In-Lieu of Foreclosure

This method, offered to homeowners by the defaulted lenders, is established to avoid foreclosure by voluntarily surrendering the property by deeding it to the lender as satisfaction for the debt. It is appropriate when . . .

1. The property has been on the market as a Pre-foreclosure Sale for three or more.

2. There are legal obstructions to foreclosure action

3. Deed-in-lieu allows the lender to take possession of the property sooner than would be possible

through foreclosure.

You may be eligible for this option if you meet certain hardship requirements outlined in this document and all junior liens are removed. Many individuals who have gone this route later realize that their credit isn’t salvaged by doing a Deed in Lieu and shows up on their credit report just as derogatory as an actual foreclosure.

Forbearance (repayment plan)

This is a formal Repayment Plan and it is based on the Special Forbearance provision and is the preferred workout option because it is the least costly workout alternative. It is usually considered when delinquency is the result of;

The death of a contributor to the monthly mortgage payment and this does not necessarily have to be a person on the mortgage; or Illness, catastrophe, or natural disaster for which the borrower is not insured; or Any similar or contributing factors. Repayment plans may be customized to fit most any need or solution, however they cannot exceed 24 months.

Modification (replacement mortgage)

This is a change to the terms of the mortgage in order to remove a delinquency and avoid foreclosure. Modification includes reducing the interest rate, extending the term of the mortgage, negative amortization, replacing an adjustable rate with a fixed rate and capitalizing the delinquent payments. Modification is appropriate when the potential for a Repayment Plan is needed due to a permanent or long term reduction in income. Other lien holders having a recorded interest in your property must agree to subordinate their interest to the new loan.

Using the 7 Chakra Colors in Your Home

Implementing the 7 chakra colors into your surroundings is a simple and effective way to bring change into your life. If you have one (or several chakras) that are out of balance, add that chakra color to your home.

Here’s the quick chakra colors guide:

Red: The first chakra is about stability, balance and community. Signs that you might be out of balance in this energy center include feeling fearful, excessive worrying about money and finances, and a sense of being “apart” from those around you. Consider adding shades of red to your home. On a small scale consider a red candle or candle holder, a painting or poster with red elements in it, or red flowers such as roses. If you want to do a lot of work with this energy center, buy a vivid red bathrobe to snuggle up in every evening, a red bedspread for your bed, or red curtains. For crystals consider garnet or ruby.

Orange: The second chakra is related to creativity, sensuality and sexuality. Signs of an imbalance include feeling bored with life, stuck in a routine, inhibited sexuality with your partner, or lack of excitement in your life. For a quick lift decorate with a bowl of oranges in your kitchen, amber or carnelian stones in your living room, or a splashy orange rug. If your creative side seems thwarted, add shades of orange where you do your work such as near your computer desk or in an art room if you have one. If it’s the sensual side of life that seems lacking, add lots of subtle orange accents to your bedroom to spice things up. Consider bergamot scented potpourri with dried orange slices in it and an orange colored night-gown.

Yellow: The third chakra relates to self-esteem, self-confidence and boundaries. Signs of an imbalance include letting people walk all over you, being a “people pleaser”, feeling like you’re not good enough, or feeling lack of success in your life. Yellow is the color of confidence. Consider yellow accents in jewelry, ties, and scarves. For crystals give tiger’s eye and yellow calcite a shot. In the home and at work add splashes of vivid yellow in decorative accents, especially in places where you tend to feel dis-empowered.

For flower think daffodils and yellow daisies. Around the home add a cluster of yellow candles or a yellow vase. If there is any area (such as at work) where you often feel low self-esteem, blanket the area in yellow. Add picture frames, pictures, rugs, even lamps in yellow and see your self-esteem rise.

Green (and Pink): The fourth chakra is all about matters of the heart. It is about self-love, love for others, compassion and gentleness. Green is the traditional color associated with this energy center, but pink is often considered appropriate for it as well. If you have difficult relationships with friends, family and loved ones, you could work on this chakra. Other signs of issues include holding on to painful memories, being stuck in the past, and being critical of yourself or others. For stones add serpentine, malachite or rose quartz to your home. Household accents could include decorative green grasses, bamboo plants, green or pink candles, and jade.

Turquoise or Light Blue: The fifth chakra is the communication center. It covers all realms of communication with others. Imbalances include being overly reserved or shy, having a hard time expressing thoughts and emotions, having your words be frequently misunderstood, or talking excessively.

The best strategy for this energy center is to get a turquoise pendant and wear it frequently. Around the home add light blue elements and sky colors. If there is an area where communication always seems to be an issue, make sure to add a large blue element such as a poster, painting, curtains, or even couch cover in a light blue or sky blue color.

Indigo or Dark Blue: The sixth chakra is the intuitive realm. It’s following a hunch in the right direction or getting a nudge that says “don’t go that way”. Signs of imbalance include feeling cut off from your intuition, confusion about what path to follow in life, frequent indecision, and an inability to make up your mind about small or large matters. It is also related to dreams and night-time, so another sign of imbalance is having nightmares, insomnia, night terrors, or restless sleep. Stones for this energy center include lapis and azurite. Get an indigo sleep mask to wear to bed at night, dark blue sheets for your bed, paint your bedroom a deep, deep blue or purple, and indigo curtains for your bedroom. On a smaller level, get a few indigo decorative elements and keep them on your nightstand for sleep issues or wherever you have the most frequent bouts of indecision.

Purple: The seventh energy center is the crown and it relates to spirituality, upliftment, enlightenment, and peace of mind. Signs of imbalance are depression, “feeling down”, nervousness, feeling alone in the world, and anxiety. Stones for this energy center are amethyst, lepidolite and clear quartz. Add shades of purple from violet to vivid royal purple to your home and watch your mood lift itself up naturally. Think of shower curtains, couch pillows, table-cloths or vases in purple. To get a big boost to this center, wear a purple dress, tie or hat.