beauty and health

Posts Tagged ‘half’

THE Housing Solution

Well the numbers are in and it looks like home foreclosures are up a whopping 15% in the first half of 2009, affecting more than 1.5 million households. This problem does not appear to be getting any better as unemployment is nearing 10% and could go even higher, if you believe like me that government forecasts are about as accurate as throwing darts in the dark.

So the most recent “shot in the dark” from the Obama administration appears to be this disaster: a rental option for those facing foreclosure. This will “help” people stay in their homes and will transfer their equity, if they have any, to the bank and allow them to rent from banks, who apparently are now to become landlords. This is flawed on so many levels I don’t know where to begin.

Perhaps they need to look no further than one of their own agencies, Sallie Mae, for a real solution to what’s becoming the #1 problem with our economy and our country. Let’s have a look.

When I was an 18-year old and about to start college, I knew it would be necessary to take out a loan to pay for some of the costs of attending a private university. What I didn’t know at the time was that I was basically signing my life away, and that this debt would follow me wherever I went through life, the only way to get out of it being either death or permanent disability. And while I had always intended upon paying the money back and since have; had I understood those ramifications at the time I signed on, I may have thought differently about it.

Fast forward to today, the average college student graduates with over ,000 in debt, and they haven’t even entered the workforce yet

So why are we letting homeowners (or those who took out mortgages) walk away from their obligations with not so much as a dent to their credit? Unfortunately, the mentality that got us into this mess is the same mentality that will continue to kick this problem down the road in the name of populism. But I say: it’s time to get tough!

Here’s how to combat this problem in a sensible way without harming those who were responsible citizens (any more than they already have been) and at the same time holding all of the “bad actors” responsible.

If you receive a foreclosure notice, you have 2 options: to either walk away (as is what is currently being done) or opt in to a new program which will be outlined below. Both options will have benefits AND consequences.

If you choose option 1, the consequences are: immediate removal from the property in question. An automatic 400 point hit to your credit and you are BANNED for 10 years from buying another property unless you pay back the loss the bank incurs in full. It becomes a criminal offense to damage a house on the way out with automatic jail time.

If you choose option 2, the new plan will be structured as follows: you are given a timetable by which you need to vacate the premises. The house is auctioned off immediately and whatever the market brings is final. The loss that is incurred is split 3 ways, 1/3 to the bank, 1/3 to borrower, and 1/3 to the government.

However, the loss incurred by the borrower is given an immediate forbearance and it now becomes a Sallie Mae-type loan.

For example: if a homebuyer paid 500K for a home he can no longer afford, the home gets auctioned off immediately. Say it brings in 350K. The 150K loss gets split 3 ways and each party is responsible for 50K.

But now the home-buyer does not have the “scarlet letter credit smear” on their report and can apply for a new mortgage at a time that they are ready to get back in the market. This means no more LIAR or NINJA loans.

So now some time goes by and that original homebuyer is able to get back to work and maybe save up a little cash for a down-payment. He can come back into the market and buy the amount of a house he qualifies for LESS the amount of the money he owes on his first failed attempt. So if he qualifies for a 250K mortgage, he can only buy a home worth 200K.

He pays a tax increase of 2% over the next 20 years to repay the government so that responsible citizens do not have to carry the load in full.

What does this accomplish? First, it allows the homebuyer an escape route AND still be responsible for their role in the mess and not be totally ruined. Secondly, it allows the banks to move the house quickly which will help housing prices bottom out more quickly which will bring in new buyers. It allows responsible homebuyers to upgrade if they choose, while at the same time forcing the less responsible to downgrade. The inevitable loss that a responsible homebuyer faces is off-set by the new lower price of his home, and you give him a tax credit for the loss which they can take over say 5 years.

While this is just one proposal, I really hope the government adds an element of personal responsibility back into any program that they choose to try to combat the housing problem. But trying to artificially prop up home prices and rewarding those who acted badly all on the tax-payers dime is a travesty.

After all, there are 22 year olds walking around with 25K in unforgivable debt and they haven’t even been given the opportunity to act irresponsibly yet.

As the year draws to a close and everyone begins to hope for the beginning of a new year many people are also anticipating the beginning of their SOA New Year’s resolutions for many people, including New Year’s resolutions OSA wishes to reduce their food intake to maintain a diet and exercise program and at least lose a few pounds. The question hangs in the air for those who anticipate the launch of a new regime is in exactly which diet might happen to their property and this plan is the key to lose, will help the greatest weight. While there are numerous diets available and it seems that every few months a new diet or nutrition plan has quickly become the new rage system success. Can it be that all those Äòpopular, AO diet can help you lose weight or are there certain diets that can help you lose more weight than others? That is the question that a group of researchers to answer from recent times. Over a period of two months, 160 people were closely monitored after a follow-up. The factor varies between the 160 participants in the program is that they were allowed to choose their own diet appropriate imagination. Researchers have waited and looked into the prospect of learning that food or plans would be successful. What she learned at the conclusion of the study was very interesting. The data they have collected, not only helped them learn more about diet programs, to be more efficient in terms of total weight, but they tend to continue the programs of diet people were more likely to s’ stick to the weight loss long-term maintenance. While study participants were allowed to choose their preferred diet, most participants opted for one of the following: Atkins, Weight Loss, Ornish and Zone. Although initial data were performed after only two months, researchers have begun to explore other participants. They found that after a period of more than half of the participants, diet plans based on low carbohydrate and fat, like the Atkins plan has decided to concentrate eliminated. In addition, about the same percentage of people planning Ornish, which focuses on low-carb, high fat vegetarian dishes, even leaving their diet selected. Weight Watchers participants cut moderately better, with about two-thirds of this group, links aos involved with him. Participants area showed similar results. So, who conducted the nutrition plans together the best in terms of overall weight loss? Amazingly, they all do the same. Those who participated in the Ornish plan, which was conducted in a position with their food for the entire year Stick a weight loss of about 6%, the highest of all groups. Atkins has been around 4%, with Weight Watchers and the Zone of implementation, with an average of 5% weight loss. health risk factors linked to obesity have been a different matter, however. Regarding the risk of heart disease was Weight Watchers participants their risk by 15%, while the other diet plans hovered in the range of 12%. Participants Ornish diet plan that showed a higher weight loss showed a smaller reduction in the risk of heart disease, but only 7%. But overall, the researchers concluded that at the end, there is no magic food. If you solve Aore planning to lose weight in the new year, the best strategy is always the same, whatever plan you ultimately choose. Eat shorten useful portions, drink lots of water, some in a moderate exercise routine and find a buddy to support you supply in your weight loss goals.

Diabetes mellitus is a chronic disease in which patients have an insulin deficiency absolute or relative. It affects about 6% of the population of the West and is an important factor for heart attack, stroke, kidney failure and peripheral vascular disease. Diabetes mellitus is the leading cause of blindness. First Types of Diabetes There are four forms of the disease, such as: type 1 and type 2, gestational diabetes and other specific types. A. Type 1 Diabetes is produced in people with type 1 diabetes, pancreatic insulin, blood glucose is higher than normal though. People with this form of diabetes require daily insulin treatment to survive. This form continued in autoimmune diabetes, idiopathic diabetes and divided. Type 1 accounts for about 10% to 15% of all people with diabetes. It is one of the most serious diseases and common chronic childhood, falling ill with about half of people with this form of diabetes by 18 year life. He is known as diabetes mellitus (IDDM) or juvenile diabetes known. b. Diabetes type 2 Type 2 diabetes is due to reduced levels of insulin (insulin deficiency) and trademarks / or inability of the body use insulin properly (insulin resistance). This form of the disease is more common among people aged 40 or older, and 85% to 90% among all people with diabetes. Most people with type 2 diabetes are overweight. C. Gestational Diabetes Gestational diabetes occurs during pregnancy in approximately 3% to 8% of women who have not previously received a diagnosis of diabetes. This is a temporary form of diabetes usually disappears after the baby is born. However, it is a marker of much higher risk of type 2 diabetes later in life. Screening tests are conducted for gestational diabetes usually around 24-28 week of pregnancy. d. Other types of diabetes This includes people who have diabetes because of genetic defects or exposure to certain drugs or chemicals. Second causes of diabetes mellitus Diabetes is characterized by a resistance or a lack of production of the hormone insulin helps glucose move into the blood causes cells. In type 1 diabetes, autoimmune destruction of pancreatic beta cells and the lack of insulin causes the release of ineffective glucose transport. There is no known cause of idiopathic diabetes. In type 2 diabetes, beta cell insulin release, but receptors are insulin resistance and glucose transport is variable and inefficient. Some people may have conditions that can cause diabetes, such as Cushing’s syndrome, pancreatitis or liver disease. Risk factors for type 2 diabetes patients; a. obesity b. History of gestational diabetes C. The lack of physical activity d. hypertension Age 45 + E. f. ethnic groups other than Anglo-Saxon g. low HDL-cholesterol h. abnormal glucose tolerance i. Family history Third Signs and symptoms of diabetes The symptoms include diabetes, dehydration, unexplained weight loss, excessive thirst, urination, fatigue, lethargy, severe irritation and itching, excessive hunger, blurred vision, skin and urinary tract infections and vaginitis. 4th Diagnosis Diabetes or glucose intolerance may be used for routine blood testing as part of a general health check-up will be recognized or investigated for other symptoms or diseases. Diabetes tests to check blood glucose. Fasting glucose are classified as follows: Normal: less than 100 mg / dl Pre-diabetes: 100-125 mg / dl Diabetes: more than 125mg/dl Because the symptoms can be mild, diabetes is often detected when a person is a problem that is caused by diabetes, such as heart attack, stroke, neuropathy, poor wound healing or a foot ulcer, certain eye diseases, certain fungal infections, or birth of a baby with macrosomia or hypoglycemia. 5th Diabetes Treatment effective efforts to reduce the treatment to normalize blood glucose levels and complications with insulin replacement, diet and exercise. For those who exercise very mild diabetes, diet and weight loss may be more than sufficient to keep blood sugar at a reasonable level. Dietary changes must be based on the ideas of weight loss and control blood glucose levels blood sugar relatively stable focus during the day to avoid queues and big downs. The main treatment for type 1 diabetes, even in its early stages, is replacement of insulin with careful monitoring of blood glucose monitoring in conjunction with blood tests. Type 2 diabetes may require oral antidiabetic drugs in the body produce more insulin to increase and promote sensitivity to insulin. have various forms of natural supplements for the treatment of diabetes, as postulated been effective. People with unstable diabetes, or those that many injections per day, an insulin pump worn on the body and provides the benefits of continuous infusion of insulin through a needle implanted in the body. Gestational diabetes is treatable, but full of careful monitoring medical requirements during pregnancy. While it may temporarily, untreated gestational diabetes can cause the health of the fetus or the mother. The processing of all forms of diabetes do not have much affect normal activities, if the discipline of training enough patients, awareness, appropriate care in testing and dosing of insulin taken 6th Complications Diabetes mellitus is the leading cause of failure in the adult world of the kidney in the developed world. If undetected or poorly controlled diabetes can lead to blindness, kidney failure, lower limb amputation, heart attack, stroke and impotence.