Friday, August 31, 2012

Samsara: movie review

Director Ron Fricke's movies aren't much more than travelogues, but the range of locations is impressive.

By Peter Rainer,?Film critic / August 31, 2012

'Samsara' explores locations from Yosemite to Versailles.

Courtesy of Oscilloscope Laboratories


Ron Fricke, who brought us ?Baraka,? is back with another one of his globe-hopping, big-screen, oh-wow documentaries. ?Samsara? is even more vertiginous and abstract and New Agey than ?Baraka,? with rapid-fire views of, oh, let?s see: Yosemite, the Himalayas, Mecca with its thousands of pilgrims during hajj, 1,000 Hand Goddess dancers from China, Gothic cathedrals, Versailles, Jersualem?s Wailing Wall, Angola?s Epupa Falls ? and this is only a small sampling.

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What does it all mean? I?m not convinced that Fricke?s movies are much more than exalted travelogues, but you certainly feel as if you?ve been somewhere after you?ve seen one of them. Grade: B (Rated PG-13 for some disturbing and sexual images.)


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Police: 18-year-old charged with DWI after crashing through parking gate on Texas A&M campus

An 18-year-old Hurst man was arrested Friday on a misdemeanor driving while intoxicated charge after crashing through a Texas A&M parking garage gate, authorities said.

Texas A&M University police said the man admitted to crashing through the traffic control gate at the South Side Parking Garage about 1 a.m. and driving to another parking lot, where he was stopped by a witness.

Police said the man had a strong odor of alcohol on his breath, was unsteady and couldn?t perform several field sobriety tasks.

Results of a breath test were 0.168 and 0.163. A blood alcohol reading of 0.08 is the legal benchmark for considering a driver to be inotoxicated.

The man was being held in the Brazos County Jail. His bail had not been set Friday morning.


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National Safety Council announces 2012 NSC Rising Stars of Safety ...

'44 Under 40' recognized for safety contributions

ITASCA, Ill., Aug. 29, 2012 /PRNewswire-USNewswire/ --?The National Safety Council has announced 44 honorees as its NSC Rising Stars of Safety, Class of 2012, presented by DuPont Sustainable Solutions. This program recognizes these leaders of tomorrow for their commitment to safety, influence on safety culture, promotion of continuous workplace safety improvement and creation of safety initiatives producing measurable outcomes ? foundational pillars of the Council's Journey to Safety Excellence philosophy.


"The NSC Rising Stars of Safety program serves to recognize the outstanding contributions of young safety professionals," said James Weigand, president, DuPont Sustainable Solutions. "DuPont congratulates each of this year's honorees and supports nurturing this young talent so their efforts can continue to make a difference and save lives."

Honorees will be acknowledged at the 2012 NSC Congress & Expo ? the largest annual gathering of safety professionals ? in Orlando on Oct. 20-25. This year's event, the Celebration of the Century, symbolizes 100 years of safety collaboration, lessons learned and progress of safety across the nation. The work of these young leaders represents the kinds of accomplishments that are crucial to the next 100 years of safety.

"As the National Safety Council looks toward the next century of safety, we believe it is critical to involve the up-and-coming safety leaders as we plan for the future," said National Safety Council President and CEO Janet Froetscher. "Each class of NSC Rising Stars Class brings forth invaluable insight and perspectives which will no doubt make an impact on the advancement of safety."

Chosen among more than 160 nominations, the 44 honorees for the Class of 2012 are listed below and will be featured in October issue of Safety+Health magazine:

  • Abdulrahim AlMaraghi: Fire & Safety Superintendent, GPIC (Manam, Bahrin ? Bahrain)
  • Marycarmen Aparicio: NAM Safety Coordinator ? PA, ABB, Inc. (San Luis, Potosi ? Mexico)
  • Andrea? Ball: Safety Officer, City of Daytona Beach (Saint Cloud, FL)
  • Michael Bearak: Safety Programs Manager, MSC Waterworks (Concord, NC)
  • Anthony Blodgett: Ground Safety Manager, 52 Fighter Wing Safety Office (APO, AE ? APO/FPO)
  • Kristine Brobst: SH&E Manager, AECOM (Pittsburgh, PA)
  • Robert Casper: Safety Specialist, United States Marine Corps (Parris Island, SC)
  • Guillermo Castillo: Corporate Safety Project Manager, Cummins Inc. (Columbus, IN)
  • Craig Chunchick: Sr. Manager, Safety, Health, & Environmental, Kelly Services, Inc. (Troy, Michigan)
  • Thomas Colla: EHS Manager - Europe, Middle East and Africa, Xylem Inc., Residential and Commercial Water (Altavilla, Vicentina ? Italy)
  • Jose Rafael Concepcion: Manager, Occupational Safety, Volvo Construction Equipment
    (Shippensburg, PA)
  • Denise Coppinger: Occupational Health and Safety Specialist, Boeing Philadelphia Environment, Health, & Safety (Province Park, PA)
  • Kifri Edwards: Manager, Environmental Health and Safety, MedStar Georgetown University Hospital (Washington D.C.)
  • Stephen Falter: Compliance Safety and Health Officer, Occupational Safety and Health Administration (Concord, NH)
  • John Farris: Senior Environmental, Health & Safety Specialist, Pfizer Inc., Global Logistics and Supply (Memphis, TN)
  • Marisol Flores: Behavioral Safety & Industrial Hygienist Tech, DM Petroleum Operations Company (New Orleans, LA)
  • Chad Franciscus: HSE Manager, Honeywell Technology Solutions Inc. (Jacksonville, FL)
  • Michael Garza: EHS Administrator, Toyota Logistics Services, Inc. (San Antonio, TX)
  • Robert Glessner: Technical Consultant, Liberty Mutual Insurance (Mohnton, PA)
  • Charles Griswold (CG): Contracts Advisor, ExxonMobil, Global Services Company (Houston, TX)
  • Jesse Hardy: Director of HSE Compliance, Supreme Industries (Harwinton, CT)
  • Thomas Heebner: AVP/ Risk Consultant, HUB International Limited (Chicago, IL)
  • Melanie Hemmer: Safety Director, Divane Bros. Electric Co. (Franklin Park, IL)
  • Toby Henry: Shop Lead, Sharp Memorial Hospital/Sodexo (San Diego, CA)
  • Haider Iqbal: Process Safety Engineer, Engro Fertilizers Limited (Daharki, Sindh ? Pakistan)
  • Jacob Johanson: Global Director, Health Safety & Environmental, Thermon Group Holdings, Inc.
    (San Marcos, TX)
  • Michael Karr: Regional EH&S Manager, The Shaw Group (Prairieville, LA)
  • James Kelley: Safety Manager, American Refining Group, Inc. (Bradford, PA)
  • Phillip Lacy: Safety Engineer/Specialist, B&W Technical Services Pantex LLC (Amarillo, TX)
  • Ning Li: Traffic Control Devices Application Manager, Virginia Department of Transportation
    (Glen Allen, VA)
  • Aaron Lilach: Senior Safety Manager, RAS Delivery Services, Inc. (Muskego, WI)
  • Thomas Loughman: HSE Manager, URS Federal Services (Germantown, MD)
  • Ivan Maldonado: EHS Team Leader, Global Health Care, Kimberly-Clark Mexico (Ixtaczoquitlan, Veracruz ? Mexico)
  • Scott May: Safety Coordinator, Pioneer HI-Bred International (Leroy, IL)
  • Robert Neese: EHS Manager Global Field Service and Non-operation, Rockwell Automation (Milwaukee, WI)
  • Maria Ortiz-Rios: Global SH&E Program Manager, Nalco Company (Naperville, IL)
  • Joe Patterson: EH&S Manager, OraSure Technologies, Inc. (Bethlehem, PA)
  • John Pettit: Vice President of Health, Environmental and Safety, VSE Corporation (Alexandria, VA)
  • Jessica Rich: Safety Engineer, Federal Highway Administration-TN Division (Nashville, TN)
  • Devon Rosenfeld: Associate Research Scientist, Feedstocks & Energy R&D, The Dow Chemical Company (Freeport, TX)
  • Tricia Sweat: Safety, Health, & Environmental Coordinator, Graphic Packaging International, Inc. (Renton, WA)
  • Graham Walker: Safety Engineer, Office of the Director of Army Safety (Fort Belvoir, VA)
  • Cheng (Jerry) Zheng: Environmental, Health and Safety Engineer, Mine Safety Appliances Company (Suzhou, Jiangsu ? China)
  • Troy Zimmerman: CSB Americas EHS Leader, Owens Corning (Granville, OH)

About the National Safety Council
Founded in 1913 and chartered by Congress, the National Safety Council ( is a nonprofit organization whose mission is to save lives by preventing injuries and deaths at work, in homes and communities, and on the road through leadership, research, education and advocacy. NSC advances this mission by partnering with businesses, government agencies, elected officials and the public in areas where we can make the most impact -- distracted driving, teen driving, workplace safety and safety beyond the workplace.

Connect with NSC:

SOURCE National Safety Council


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Thursday, August 30, 2012

Financing A Flipped Property In Arizona - Phoenix Arizona Mortgage ...

Flip Mortgage Rules AZ Financing A Flipped Property In Arizona

AZ Flip Mortgage Rules

A flipped property is the residential/real estate version of a certified used pre-own car. ?If done correctly, a flipped Phoenix area home is the result of an investor buying a run down property, rehabbing it and then reselling the previously beat up property as a nice ?new? shiny home to a lucky buyer. ?A adequate?flipped home is a great ?ready to move in? investment for its new homeowner.

What is so special about the process of buying a flipped property? ?The mortgage underwriting requirements associated with obtaining a home loan in order to purchase a property that is considered a flip differ from the guidelines for a mortgage on a non-flipped property purchase. ?Before we talk about why this is (see below) let?s look at how each different type of home loan views a flipped property and what unique underwriting guidelines apply:

FHA categorizes a property as a flip or ?quick sale? when an investor sells it within 90 days of the date they purchased it for themselves. ?Special FHA flip guidelines apply to a buyer using an FHA loan to purchase a flipped home that is being sold for 120% or more than what the seller paid for it. ?The price used to determine seller?s cost does NOT include any rehab costs and may only included what a seller paid for the property.

Special FHA flip requirements:
1. FHA requires that 2 appraisals be completed on the subject property (the buyer cannot pay for 2nd appraisal) ? the lower of the 2 appraised values must be used to determine the FHA loan amount.
2. FHA requires a HUD home inspection to be completed on the subject property ? any items listed on the inspection that violate FHA?s safety, soundness or security property related standards must be addressed prior to the close of escrow.
3. Seller must be the owner on record prior to the date the buyer?s contract is signed.

We offer FHA financing on flipped properties ? for more detail on FHA flips click HERE

*FHA flip financing is currently allowed however this is based on a temporary waiver of the flip rules listed in?section 24 CFR 203.37a(b)(2) in the FHA rule book.

Conventional flips
are only allowed right now by Fannie Mae direct which means your lender must have a relationship with Fannie Mae in order to close your flip transaction (unless they have a portfolio/self serviced product). ?Fannie Mae categorizes a property as a flip when the subject property is being resold by an investor within 120 days from the date they purchased it OR the date they took title/ownership of the property.

Special Conventional Mortgage flip requirements:
1. UW pulls an automated valuation estimate (similar too going to zillow but much more accurate) to see if the current sales price is relative and accurate considering the contract sales price. ?If, based upon the automated valuation estimate the underwriter is not 100% comfortable with the value on the appraisal they may require either a 3rd party review of the original appraisal ordered by the buyer?s lender OR they may require that a second appraisal be ordered. ?If a 2nd appraisal is required the lower of the 2 appraised values must be used to determine the buyer?s Conventional loan amount.
2. Buyer must provide 3 consecutive months bank statements (rather than the standard requirements of 2 consecutive months).
3. Seller must be the owner on record prior to the date the buyer?s contract is signed.

We offer Conventional financing on flipped properties

VA does not maintain any special flip guidelines.

USDA does not maintain any special flip guidelines.

The JUMBO market is not a uniform/standardized market meaning that there is not one single set of guidelines that governs all JUMBO loans. Flip regulations differ from product to product in the JUMBO market.

Now that you know what special hoops to jump through on your flip financing adventure, you may be asking ?why does my lender care that I am buying a flip?? ?A fair question. ?While it would be noble if investors were in the flipping business to simply provide a great home for a buyer to purchase, the truth is they flip to make a profit. ?As a result both FHA and Conventional guidelines have been put into place to make sure that a home?s price is not over inflated. ?In the end, these extra guidelines protect you the buyer as well.

Please call or email me today with any questions you may have regarding the purchase of a flipped property.



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Analysts: Financial impacts after Venezuela blast

Firefighters douse a fuel tank at the Amuay refinery near Punto Fijo, Venezuela,Tuesday, Aug. 28, 2012. Venezuela's biggest oil refinery remained offline Tuesday after firefighters extinguished a blaze that raged for more than three days following an explosion that killed at least 41 people. (AP Photo/Ariana Cubillos)

Firefighters douse a fuel tank at the Amuay refinery near Punto Fijo, Venezuela,Tuesday, Aug. 28, 2012. Venezuela's biggest oil refinery remained offline Tuesday after firefighters extinguished a blaze that raged for more than three days following an explosion that killed at least 41 people. (AP Photo/Ariana Cubillos)

Vehicles damaged after an explosion in the Amuay refinery near Punto Fijo, Venezuela,Tuesday, Aug. 28, 2012. Venezuela's biggest oil refinery remained offline Tuesday after firefighters extinguished a blaze that raged for more than three days following an explosion that killed at least 41 people. (AP Photo/Ariana Cubillos)

The Amuay refinery is seen near Punto Fijo, Venezuela,Tuesday, Aug. 28, 2012. Venezuela's biggest oil refinery remained offline Tuesday after firefighters extinguished a blaze that raged for more than three days following an explosion that killed at least 41 people. (AP Photo/Ariana Cubillos)

Firefighters douse a fuel tank at the Amuay refinery near Punto Fijo, Venezuela,Tuesday, Aug. 28, 2012. Venezuela's biggest oil refinery remained offline Tuesday after firefighters extinguished a blaze that raged for more than three days following an explosion that killed at least 41 people. (AP Photo/Ariana Cubillos)

(AP) ? The deadly blast and fire at Venezuela's biggest refinery are prompting critics to question whether the state oil company has been neglecting maintenance while helping fund government programs under President Hugo Chavez.

Analysts say the disaster at the Amuay refinery could also mean a financial hit for state-run Petroleos de Venezuela SA by forcing it to further increase imports of fuel for domestic consumption.

The refinery remained shut down Wednesday, a day after firefighters put out the last of the blazes that had raged in fuel tanks since the explosion early Saturday. Officials say the blast killed at least 41 people and injured more than 150.

In recent years, Chavez's government has increasingly used a share of earnings from the state oil company, known as PDVSA, to bankroll social programs known as "missions." Its contributions to such programs rose from less than $1.6 billion in 2004 to $10.4 billion last year.

The government's pressure on the company to generate funds for programs that shore up Chavez's support has led to a "deterioration that PDVSA has had in its refining activities," said Asdrubal Oliveros, an economist and director of the consulting firm Ecoanalitica.

He said the state oil company has concentrated bigger investments in oil production to prevent output from slumping "but has neglected other activities, among them refining."

He and other oil industry experts say insufficient maintenance made disasters likelier. Government officials counter that PDVSA has invested $6 billion in maintaining refineries during the past five years.

It remains unclear how much money the disaster may cost PDVSA.

"That is evidently going to generate bigger supply problems in the country than those that already exist," said oil expert Juan Carlos Sosa, who heads the Venezuelan consulting company Petroleo YV.

He said he expects the refinery shutdown will lead to increased fuel imports, meaning more government spending on fuel at international prices.

Sosa said rising imports of gasoline and other refined fuels even before the disaster reflected problems at Venezuelan refineries that have prevented them from keeping up with demand.

In the first half of this year, fuel imports by PDVSA reached $4.9 billion, up 86 percent from the $2.6 billion in imports during the same period last year, according to official figures.

That included 54,000 barrels of gasoline per day that Venezuela imported from the U.S. in April, the last month for which figures were available. That monthly average was 38 percent higher than what Venezuela was buying from the U.S. during the same month last year, according to the U.S. Energy Information Administration.

Sosa and other analysts say Venezuela has been importing more fuel in recent years both because people are using more and because refineries aren't keeping up. Sosa said that's partly due to maintenance problems.

In other countries, such a refinery disaster would likely bring higher costs at the pump for customers. But Venezuela has for decades offered its citizens highly subsidized gasoline at the cheapest prices in the world: about 9 U.S. cents per gallon (2 U.S. cents per liter).

Oil Minister Rafael Ramirez has said Venezuela has plenty of fuel on hand to meet domestic demand in the aftermath of the disaster, but he has not discussed the possible financial impacts for the state oil company.

Associated Press


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Wednesday, August 29, 2012

Postcards from Mars show rover's key science targets

CAPE CANAVERAL, Florida | Tue Aug 28, 2012 4:48am EDT

CAPE CANAVERAL, Florida (Reuters) - NASA on Monday showed off the first high-resolution, color portrait images taken by the Mars rover Curiosity, detailing a mound of layered rock where scientists plan to focus their search for the chemical ingredients of life on the Red Planet.

The stunning images reveal distinct tiers near the base of the 3-mile- (5-km-)tall mountain that rises from the floor of the vast, ancient impact basin known as Gale Crater, where Curiosity landed on August 6 to begin its two-year mission.

Scientists estimate it will be a year before the six-wheeled, nuclear-powered rover, about the size of a small car, physically reaches the layers of interest at the foot of the mountain, 6.2 miles away from the landing site.

From earlier orbital imagery, the layers appear to contain clays and other hydrated minerals that form in the presence of water.

While previous missions to Mars have uncovered strong evidence for vast amounts of water flowing over its surface in the past, Curiosity was dispatched to hunt for organic materials and other chemistry considered necessary for microbial life to evolve.

The $2.5 billion Curiosity project, NASA's first astrobiology mission since the 1970s-era Viking probes to Mars, is the first to bring all the tools of a state-of-the-art geochemistry laboratory to the surface of a distant planet.

But the latest images from Curiosity, taken at a distance from its primary target of exploration, already have given scientists a new view of the formation's structure.

The layers above where scientists expect to find hydrated minerals show sharp tilts, offering a strong hint of dramatic changes in Gale Crater, located in the planet's southern hemisphere near its equator.


Mount Sharp, the name given to the towering formation at the center of the crater, is believed to be the remains of sediment that once completely filled the 96-mile- (154-km-) wide basin.

"This is a spectacular feature that we're seeing very early," project scientist John Grotzinger, with the California Institute of Technology, told reporters on Monday. "We can sense that there is a big change on Mount Sharp."

The higher layers are steeply slanted relative to the layers of underlying rock, the reverse of similar features found in Earth's Grand Canyon.

"The layers are tilted in the Grand Canyon due to plate tectonics, so it's typical to see older layers be more deformed and more rotated than the ones above them," Grotzinger said. "In this case, you have flat-line layers on Mars overlaid by tilted layers. The science team, of course, is deliberating over what this means."

He added: "This thing just kind of jumped out at us as being something very different from what we ever expected."

Absent plate tectonics, the most likely explanation for the angled layers has to do with the physical manner in which they were built up, such as being deposited by wind or by water.

"On Earth, there's a whole host of mechanisms that can generate inclined strata," Grotzinger said. "Probably we're going to have to drive up there to see what those strata are made of."

Also Monday, NASA said it used the rover to broadcast a message of congratulations to the Curiosity team from NASA chief Charles Bolden, a demonstration of the high bandwidth available through a pair of U.S. science satellites orbiting Mars.

"This is the first time that we've had a human voice transmitted back from another planet" beyond the moon, said Chad Edwards, chief telecommunications engineer for NASA's Mars missions at the Jet Propulsion Laboratory in Pasadena, California.

"We aren't quite yet at the point where we actually have a human present on the surface of Mars ... it is a small step," Edwards said.

(Editing by Steve Gorman and Philip Barbara)


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EXCLUSIVE: 500-year-old Leonardo Da Vinci sculpture ?Horse and Rider? unveiled

Leonardo Da Vinci's "Horse and Rider" sculpture (Jolson PR)A 504-year-old sculpture created by Leonardo Da Vinci was unveiled to the world in a special ceremony in Los Angeles this week. The "Horse and Rider" sculpture is the only known three-dimensional piece of art created by Leonardo that is known to still exist and is one of only about two-dozen authenticated works made by the Renaissance master in the world today.

"It's a momentous occasion, Art Encounter's Rod Maly told Yahoo! News before the statue's unveiling at the historic Greystone Mansion in Beverly Hills. "It's been in private collections for nearly 500 years, so it has not been promoted. Nothing like this has ever happened in the history of mankind."

And in a development that is sure to intrigue both historians and art fans alike, the sculpture is believed to contain a thumbprint of Leonardo himself.

For the past 500 years, the sculpture has only existed in beeswax form, along with the original mold itself. Experts spent the last three years crafting the first metal "master" sculpture, using the original mold, hand-crafted by Leonardo.

The small sculpture mold measures 12'' high, 12'' long and 7'' high and is believed to have been intended to serve as the model for a much larger sculpture. "Horse and Rider," features a Renaissance military figure riding upon a horse was created in 1508 by Leonardo as a gift for his friend and benefactor, French military governor Charles d'Amboise. After Leonardo's death in 1519, the sculpture was given to his apprentice Francesco Mezi and is believed to have remained with his family in Italy until the 1930's when it was moved to Switzerland for safe-keeping.

A thumbprint believed to belong to Leonardo Da Vinci (Eric Pfeiffer/Yahoo! News)

In 1985, American businessman Richard A. Lewis purchased the mold. "In all honesty, I was very na?ve to what I had," Lewis told Yahoo! News during an interview before the statue's unveiling. That same year, Lewis was contacted Dr. Carlo Pedretti, widely considered to the world's foremost living authority on Leonardo and Professor Emeritus of Art History and the Chair of Leonardo Studies at UCLA. Dr. Pedretti studied and eventually authenticated the mold.

"For someone to call up and say 'I think I own a Leonardo Da Vinci mold,' you're like yeah right, I'd like to put it next to my Mona Lisa," Brett Barney, president of the American Fine Arts Foundry told Yahoo! News. "But when he brought it in, right away we knew we had something."

Using what is called a "lost wax casting process," Barney and his team at the Foundry spent three years working with the mold and eventually created a bronze casting from it. In essence, they have created a new piece of sculpture from one of the world's true artistic masters, nearly 500 years after his death.

"It's the opportunity of a lifetime," Barney said. "To be part of a masterpiece by Da Vinci himself, I can't think of anybody that would be more prestigious."

When the mold was studied in detail, it was discovered that along the horse's right breast a thumbprint exists. And while there is currently no way to verify, the print is believed to belong to Leonardo himself.

The mold casting actually sat in Lewis' closet for more than 25 years before he contacted the Foundry. And now, Lewis is determined to share the discovery with the world. And along with the piece's historic value, Lewis is using the unveiling for a good cause. Several hundred metal castings have been made from the mold, which Art Encounter will be auctioning off. Lewis himself has committed to donating $1 million of the proceeds to the Salvation Army's substance abuse program.

"It is a magnificent piece of art and I'd like to have as many people as possible be able to appreciate it," Lewis told Yahoo! He said he eventually plans to donate the original mold and master sculpture to a museum.

After it's unveiling in Los Angeles, the mold and master sculpture will be displayed at various locations in New York, London and Las Vegas, home to a new Leonardo exhibit at the Venetian Hotel.

The original "Horse and Rider" mold crafted by Leonardo Da Vinci (Jolson PR)


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Tuesday, August 28, 2012

Pupil Mortgage Choices For Financing Your Education ? The Flower ...

27 August 12 ??|?? 8:47 am ??|?? Category: 86

Whenever you start applying for schools, you will see that tuition and boarding fees are extraordinarily expensive. Until they?re independently wealthy, few folks will pay for faculty outright. If you do not qualify for scholarships, financing your training can seem just about inconceivable, even with the help of normal monetary assist grants. Nonetheless, there are lots of low interest scholar loans obtainable for college kids that qualify for them. Quite than pushing aside your training, you can borrow cash and defer cost until your have graduated and have discovered a full-time job with which you can pay back what you owe.

The first step toward making use of for pupil loans is to fill out a monetary help utility kind known as the Federal Application for Student Monetary Aid. After you have been accepted to a school or college, you?ll be despatched a packet of economic help information. You can be asked to provide your personal and your dad and mom financial data so the help agency can assess your want and your potential to pay. There are many authorities based grants, just like the Pell Grant, that give cash to low-revenue college students and their families with no obligation to ever pay it back. Nonetheless, grants can only pay for so much, and you?ll most probably require scholar loans to finance the rest of your instructional expenses.

If the free monetary support you qualify for isn?t sufficient to cover your bills, student loans can assist you make it by way of school to get the degree you could be financially profitable later in life. There are a lot of several types of student loans out there for both typical and nontraditional students. Federal schooling loans like Perkins and Stafford Loans will be funded by either the school, your financial institution, or by the U.S. Department of Education. Private education loans usually are not sponsored by the government and draw funds from a variety of completely different sources. If you are nonetheless thought-about a dependent, either you or your parents can apply for pupil loans to finance your education.

Guaranteed Student Loans, or Stafford Loans, sometimes have decrease interest rates than personal loans. These loans are assured by the federal authorities, and they can be sponsored or unsubsidized. You probably have a sponsored mortgage, the government pays your curiosity while you are in school. With an unsubsidized mortgage, you begin accruing interest when you are in class, but you would not have to pay it back till you have got graduated. You will need to present financial have to get hold of a backed mortgage, whereas unsubsidized loans are available to anyone who applies.

Usually instances, Direct Scholar Loans are the mortgage of alternative for many students. Direct loans are dealt with instantly by the varsity you?re attending. These kinds of loans sometimes have lower interest rates than most others. Your school or college might acquire the funds from quite a lot of sources, but all the payments are typically made to the varsity itself. As soon as you might be completed with faculty, you usually have anyplace from six to nine months to start paying again your accrued debt.

In the event you end school and cannot afford to pay again your pupil loans, they may be positioned in default. This affects your credit standing and can hold you from getting different loans within the future. You may be granted a deferment on your loans for those who determine to continue your education in graduate research, or if you are unemployed. Deferment, however, does not final forever. When you?ve got many different student loans, you can usually consolidate them using a consolidation service, or, you probably have direct loans, you can consolidate by your colleges lender.

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Easy Methods To Be Described As An Effective Particular person ...

28 August 12 ??|?? 11:17 pm ??|?? Category: 7

When you begin exploring the main topic of personal development, you will certainly be blown away by all the fantastic information and facts readily available to assist you to be the ideal that one could be. The simplest way to achieve success is to use your persona development is always to understand the maximum amount of info as possible and to utilize that information and facts whenever possible.

Get started your individual development system by centering on the things which are most important to you. Chasing self-satisfaction will benefit all areas in your life, including your abilities as an employee, an associate so when somebody. Learn how other individuals have completed this. If you read about what they know, it would effect your lifestyle within a good way.

Make other people feel great by giving them kind comments. When you concentrate on the best in others, you will notice that they come back the love.

While you are angered by something, spend some time to go on a breathing and count around 15 prior to take action. Breathe in significantly and transfer yourself to a peaceful place. Steer clear of stating something which can be suggest, and then try to stay calm.

Center on finding out how to relax in challenging scenarios, rather than getting irrational and emotional. If you know how to keep an awesome go throughout stress filled periods, then you will probably be capable of manage most issues existence delivers towards you. Take the time to slow and breathe in significantly.

Deal with on your own physically to get the best from your personal advancement actions. Put yourself on the road to achievement with self improvement simply by making confident your fundamental need to have are fulfilled, which include enough numbers of sleep, wholesome meals and a regular physical fitness routine. Although it might sound simple, this really is occasionally probably the most tough activities to do.

Most companies is not going to proper care what college or school you went along to, they may proper care which you acquired the degree and can perform work. Some exclusions to the include, sizeable financial institutions. Just get yourself a school degree so that entrance doors will open to you.

Should you avoid generating judgements, then you definitely are denying oneself possibilities. Even though you don?t have each of the info you would want to have, don?t worry decision making. If you create the appropriate decisions, you are going to raise personal development. You will make the completely wrong choice occasionally. Use those blunders as the opportunity to understand something totally new. A negative decision will just unlock the door for a much better 1.

Speaking with a specialist counselor or a pastor is an extremely gratifying expertise. These types of folks are trained that will help you handle your problems in a wholesome way. They are there to help you evaluate and sort through troubles and sensations that arise in your personal quest to enlightenment. Chatting from the issues with a specialist will make you very much healthier and happier.

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Monday, August 27, 2012

Women with acute heart failure have similar in-hospital mortality to men but are less treated

ScienceDaily (Aug. 26, 2012) ? Women with acute heart failure have similar in-hospital mortality to men but are less treated in the real world, according to results from the global ALARM-HF registry presented August 26 at the ESC Congress 2012. The findings were presented by Dr John T. Parissis from Greece.

Acute heart failure (AHF) is a frequent clinical situation with high short- and long-term mortality as well as high hospitalization rates. The Acute Heart Failure Global Registry of Standard Treatment (ALARM-HF) is an in-hospital chart audit survey which includes patients hospitalized for AHF in Europe, Latin America and Australia. A total of 4,953 patients admitted to Cardiology Departments (67%) or Intensive Care Units (33%) for AHF in 666 hospitals among 9 countries (France, Germany, Italy, Spain, UK, Greece, Turkey, Mexico and Australia) were enrolled. Women accounted for 37% of the study population.

The present study is a sub-analysis of ALARM-HF, targeted to explore gender-related differences in patients hospitalized for AHF. The researchers found significant differences between women and men in clinical presentation, co-morbidities, precipitating factors and treatment patterns. Length of stay and in-hospital mortality were similar in women and men.

Compared to men, women presented with AHF at an older age and with higher rates of de novo heart failure. Based on AHF classification, women were less than half as likely to present with cardiogenic shock than men, but more than twice as likely to present with right heart failure.

Women presented on admission to hospital with higher systolic blood pressure and higher heart rate. Women had higher left ventricular ejection fraction and the majority of women had preserved ejection fraction.

Regarding co-morbidities, when compared to men, women more frequently had atrial fibrillation, valvular heart disease, diabetes mellitus, obesity, anemia and depression. But women had lower rates of cardiomyopathy, coronary artery disease (CAD), dyslipidemia, smoking and asthma or chronic obstructive pulmonary disease (COPD) than men. There were similar rates of arterial hypertension and peripheral vascular disease in both genders.

In both genders, acute coronary syndrome (ACS) was the most common precipitating factor for AHF. However, women were less likely than men to have ACS and more likely to have infection or worsening valvular heart disease.

On admission, a lower percentage of females were on angiotensin II receptor blockers (ARBs), beta-blockers, aspirin and clopidogrel due to the presence of underlying co-morbidities and less CAD. However, more females were on digitalis and vitamin K antagonists due to the higher incidence of atrial fibrillation.

Regarding interventions, continuous positive airway pressure (CPAP) and mechanical ventilation were equally offered to females and males. Fewer females underwent percutaneous coronary intervention (PCI), coronary artery bypass graft (CABG) surgery and were supported by intra-aortic balloon pump (IABP).

Despite the improvement of medical management at discharge, the aforementioned differences in pharmaceutical therapies (especially in beta-blockers) remained in favour of males.

Mean length of stay in a coronary or intensive care unit (CCU/ICU) was similar between genders. Importantly, the overall in-hospital mortality and the in-CCU/ICU mortality were also similar in females and males. "The presence of higher ejection fraction and less CAD in women may positively affect survival in women," said Dr Parissis, who is assistant professor of cardiology at the University of Athens in Greece and a member of the ALARM-HF Steering Committee. "On the other hand, the existence of other serious co-morbidities and under-prescription of life saving medications such as beta-blockers may counteract this positive effect on their in-hospital survival. This point may explain the similar mortality rate between genders."

"The presence of diverse predictors and pharmaceutical modalities may explain the similar in-hospital mortality rates in both genders," he added. "Perhaps there are differences in the pathophysiology of AHF between women and men which should be taken into account in order to achieve gender-tailored management. Finally, a more intensive implementation of heart failure guidelines is required to optimize life saving medications especially in women."

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The above story is reprinted from materials provided by European Society of Cardiology (ESC).

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.


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New Hampshire Home Care, New Hampshire - Recovering From A ...

Having a stroke and going through the recovery process is a traumatic time in a person's life. The recovery time can be long, hard and grueling. Family members who are around to help the stroke patient recover will find that it is a very challenging experience.

If you have a loved one who is recovering from a stroke, you need to do whatever it takes to get them back on track. The best way to do this is contact a home care agency. At New Hampshire Parkinson's Care, client recovery is handled with both dignity and care. When a patient is discharged from the hospital and goes home, stroke recovery can begin. Some changes can be made easily in the home to accommodate the incoming patient. If the patient is confined to a wheelchair, having doors that are automatic will help the patient get around easier and more conveniently. Arranging the furniture so that the patient can come and go in and out of rooms is also helpful.

Individuals who have been through a stroke get tired of being limited in the things they can do and where they can go. They often feel cooped up inside the house and they love to go outdoors even if it's just for some fresh air. If you are not able to assist your loved one in moving in and out of the home, then consult the help of a New Hampshire Home Care aid. If the person who is recovering from the stroke is confined to a wheelchair, ramps would help make it easier for them to go outside. Adding strong handrails on the stairs will help the stroke patient get up and down much easier. All these little things may seem simple but they are truly a lot of help for a recovering patient.

Rehab for stroke patients should begin very soon after the patient is released from the hospital. Consult your New Hampshire Elder Care aid on what type of help family members can offer. During this time, family members can go with the patient to rehab to offer their support and help them recover quickly. Recovering from a stroke is not going to take a day or a week or a month of effort. It is going to take full-time, continuous effort with the patient and his or her family and friends. A stroke patient should never feel like losing hope because while consistent rehab is going on and there are medications to take, recovery can happen. It just takes time, effort, and will.

Caring for a senior who has suffered from a stroke can be a difficult task; our caregivers can give you the support you need.

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R4 For Great Gaming Pleasure - Digital Sensus

The R4 3DS and other cards are something which is imperative to the functioning of the Nintendo DS gaming systems. All those people who are crazy about games and are always looking for newer ways of enhancing and enriching their handheld Nintendo console must indeed try to purchase this card.

Gaming in the last 4 decades has grown to become one of the major forms of entertainment. Nintendo gaming systems have always been a big part of this phenomenon. Nintendo has created successful home gaming consoles. With the progress of gaming technology, Nintendo became one of the pioneers of handheld gaming devices- with the Nintendo DS series.? To bring out the absolute best performance of Nintendo, you need the vital component ? R4 cards.

Cards like the R4i are small but powerful. They are the most popular storage devices for Nintendo DS gaming systems. The default storage capacity of these handheld systems is very low. ?These cards are essential because they increase the memory capacity of the systems.? Thus you will be able to store supported audio, video and gaming files making the DS an all round multimedia device. The card contains a small slot at the back in which a small micro SD card can be inserted. The card in it self contains the greatly important R4 firmware that helps the DS to run it the exemplary way it does. The popularity of the R4i cards stem from the fact that it is very easy to handle the card and other card related operations and therefore you do not have to be an expert to install and use it. In fact, after you insert the card and boot the system, a prompt will ask you to pick any one between the two options of either playing games or else using multimedia. You can also store downloaded games or watch movies after storing them using the R4 Card.?

The latest addition in the Nintendo DS series is the 3DS model. It is a new model that has 3D gaming facility.? The older versions of the R4 card do not work on this new model. For that you need R4 card for 3DS.? Though this card works with some other models, it is better not to use it that way as it was specifically designed for Nintendo 3DS. ?The R4 3DS and other cards are something which is imperative to the functioning of the Nintendo DS gaming systems. All those people who are crazy about games and are always looking for newer ways of enhancing and enriching their handheld Nintendo console must indeed try to purchase this card. The cards are not at all very expensive and are in fact quite affordable. With the latest game releases some of the R4 cards may not be compatible. Therefore always check the compatibility issues.? There are better versions of the R4 as well which are available in the market with both enhanced speed and performance.

There are many manufacturers of R4 type cards these days. it is always important to ensure the efficiency of the product before purchasing a card. A company that strongly guarantees its products and one that has reputation in the market must be the one to buy cards from. A sub standard card will be not work properly after some time and could even corrupt the console. ?Enjoy a great multimedia experience on Nintendo DS, thanks to R4 cards.?


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Sunday, August 26, 2012

Video: Obama calls Romney positions ?extreme?

Sorry, Readability was unable to parse this page for content.


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Australia reopens probe of 1982 anti-Israel ... - World News Tomorrow

World News

WORLD NEWS ? SYDNEY? ? Australian police Sunday reopened inquiries into the 1982 bombing of the Israeli consulate in Sydney and a Jewish club, reportedly after interviewing an extremist jailed over a blast on a Pan Am flight that year.

No one was killed but two people were injured in the attacks on the consulate and the Jewish Hakoah sports club in Bondi on December 23, 1982 ? crimes that have gone unsolved for almost 30 years.

But police reopened the case Sunday, publishing photographs of two male suspects, after a review of the Sydney bombings reportedly led them to convicted extremist Mohammed Rashed, in jail for a blast on Pan Am flight 830.

A Japanese teenager died and 15 others were wounded when a bomb exploded on the flight from Tokyo to Honolulu on August 11, 1982.

?This review, and a range of enquiries here and overseas, were able to establish that there were sufficient grounds to warrant a formal re-investigation into the bombings upon the Israeli consulate and Hakoah Club in 1982,? said assistant commissioner Peter Dein, head of the counter-terrorism squad.

?It was luck more than anything else that no one was killed in these bombings, and while it is almost 30 years ago we know there are people out there living with the knowledge or guilt of these crimes.?

Dein refused to confirm the link to Rashed but several media reports citing police sources close to the case said the Jordanian-born explosives expert had been interviewed by officers in the US and was key to the case being reopened.

Rashed was part of an Iraq-based pro-Palestinian group, 15 May, that targeted US and Israeli interests in the 1980s, and he received leniency in his Pan Am sentence for cooperating with international authorities as an informant.

Sydney police have long believed 15 May, named for the date of the first Arab-Israeli war, was linked to the Hakoah club and consulate bombings.

Dein said the investigation would apply ?new technologies and investigative procedures to an historical crime?.

Two people, including a Hungarian holocaust survivor, were wounded when a bomb went off in a stairwell of the Israeli consulate in central Sydney at 2:00 pm on December 23, 1982.

The second bomb, detonated about five hours later in the Hakoah Club?s carpark, failed to explode properly and did not injure anyone, but there was extensive damage to the car it was in and two others nearby.

There were a ?large number? of athletes inside the building at the time, according to police.


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Royal Tour In Luxury Train

India is a vast country and the diversity of the country lies in everything that this nation offers. Indian sub continent is a very famous tourist destination and it receives tourists from all over the world throughout the year. There are different modes of travelling and to make the journey easy and relaxing, the tourism industry has set up many travelling plans and packages. There are many luxury train packages like the palace on wheels. Palace on wheels is the most famous luxury train which is started by the ministry of tourism in order to promote tourism in Rajasthan. The aura and the luxury leaves the tourists in awe as this luxurious trip makes their travel worthy and pleasing.

Palace on wheels tours the cities of Rajasthan that are Jaipur, Jodhpur, Udaipur, Bharatpur, sawai madhopur, Chittorgarh, Jaisalmer and the fame city of Agra. The luxury train is a wonder in itself. It appears like a royal palace and the guests are treated very regally. Every corner of the train shows the culture and tradition of Rajasthan. The beauty and air of the train is simply remarkable. The plush carpets beneath the feet of the tourists, the royal environment gives a different feel altogether. The palaces on wheels maintain an imperial style and dcor.

The places that the luxury train covers are the historical heritage places of the Indian subcontinent. Rajasthan, the land of the royal rajputs, is covered in this tour. The many cities that constitute the whole of state are significant in their own specialized ways and are travelled by the tourists. Jaipur, the pink city, which houses the famous monuments like the hawa mahal, which has around 900 windows in palace of winds. Jaipur also houses amber fort, jal mahal, Jantar mantar and the vibrant market places are not to be missed. Udaipur, the city of lakes, is another attractive destination. Perhaps the two most beautiful sites of Udaipur are the dream-like marble Palaces-the Jag niwas (Lake Palace) and the Jag mandir, which appear to rise from the blue waters of Lake Pichola.

Chittorgarh has the Chittorgarh fort and the sand dunes. Jaisalmer is the desert city, which houses the Thar Desert. There are other attractions in the place too. Jodhpur appears amazing as the blue color of the city is so beautiful that one would definitely capture as many pictures as one can. Bharatpur bird sanctuary is also one of the attractions of the tour. Agra houses one of the wonders of the world, the
Taj mahal.

The palace on wheel tours all these places and one can get a whole picture of the history of India and the rich diverse culture of the country too. The palace on wheels tour is a place where one will feel like royals, the two restaurants in the train serves delicious cuisines, the facilities include bar and a lounge with a good collection of books. There is everything that one needs to live a few days of luxurious life.

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Saturday, August 25, 2012

AP Source: Biden skipping stop in Tampa

COLUMBUS, Ohio (AP) ? Vice President Joe Biden is postponing his planned trip to Tampa, Fla., the site of the Republican National Convention.

An Obama campaign official says Biden is putting off Monday's trip in order to ensure that all local law enforcement and emergency management resources can stay focused on Tropical Storm Isaac, which could impact Florida during the convention.

Biden had planned a two-day swing through Florida during the Republican meetings to counter their message. The official says Biden still plans to continue with stops in Orlando and St. Augustine, Fla., on Tuesday.

The official wouldn't say whether Biden would reschedule his stop in Tampa, only that the campaign was monitoring the storm. The official requested anonymity in order to speak ahead of the campaign's official announcement.


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Article Marketing Strategies ? How Articles Help Build Your Business

Using articles to build your online business (commonly referred to as article marketing) is a fantastic way to generate traffic to your website, increase your search engine rankings, build trust with your readers and brand yourself as an expert in a niche.

Here are a few other reasons why article marketing continues to be an extremely effective way to build your Internet business and increase your online profits.

Every time you submit an article on behalf of your website you are creating an opportunity to build free one-way links back to your website (provided you have included a link in your resource box). It has been proven that building quality backlinks to your website is one of the key components to increasing your position within the organic search engine rankings.

You can help with the ranking process for your website by submitting articles that target good long-tail keyword phrases and making sure the backlinks that you create to your website focus on those same long tail keywords.

Providing good quality content not only makes the search engines happy, it also pleases the article directory owners and people that are interested in reading your article.

An additional benefit to creating articles with quality content is derived from the ezine owners that publish your article to their subscribers. This alone can provide a nice boost in traffic to your website and indirectly increase your realize profit potential.

After taking the time to write an article that captures your reader?s interest you want to make sure you don?t lose them when they make it to your resource box. Nothing builds your subscriber list faster than offering a free report or informative guide in your resource box as an incentive to get a reader of your article on your mailing list.

One thing many webmasters forget is that article marketing can be done without spending any money.

The fact is, article marketing is completely free advertising and every time one of your submitted articles ends up on another website it creates another free advertising opportunity along with the previously mentioned one-way backlink.

Speaking of backlinks, using articles to increase your link popularity is much more effective than merely going out and looking for link exchanges with other sites and generally speaking the search engines appear to favor one-way links more than a reciprocal link exchange between two different websites.

The more time you devote to writing and submitting articles filled with high quality content the more links you will create to your website, the higher your search engine ranking will become, the more traffic your website will receive and the more income you will generate from your online business.

Are you looking to increase the amount of traffic you generate to your website along with its organic ranking within the search engines? If so than continue reading?


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Establishing some sort of Teaching Business: Which has a Powerful ...

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Friday, August 24, 2012

RNC moves Ann Romney in search of TV coverage (Washington Bureau)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories News, News Feeds and News via Feedzilla.


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Sony Mobile to Cut 1,000 Jobs

TOKYO?Sony Corp. said Thursday it plans to cut some 15% of its mobile phone business's workforce, or about 1,000 jobs, to reduce costs and accelerate its push into the growing smartphone market.

The job cut comes after Sony took full control of its mobile phone joint venture with Sweden's Telefon AB L.M. Ericsson earlier this year.

The importance of smartphones can't be underestimated for Sony. Not only is demand growing at a breakneck pace, the versatile devices are starting to eat into markets for products such as music players, digital cameras and portable game machines.

As Sony's mobile business has ...


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Michael Bloomberg Issues Statement on Empire State Building Shooting

In the wake of this morning's Empire State Building shooting - in which Jeffrey Johnson is accused of killing a former coworker and wounding up to eight bystanders - New York City Mayor Michael Bloomberg has issued a statement.

Empire State Building Shooting Scene

"Earlier this morning, a man who had been fired from his job about a year ago began shooting. He killed one person, at least nine shot. Some may have been accidentally shot by the police," Bloomberg said as a summary, adding:

"I ask everyone to keep victims in their thoughts. This is a terrible tragedy, and it would be no doubt more tragic without the heroic acts of the policemen. Every day, the police put their lives on the line to save lives bravely.

"NYC is the safest big city in the country, but we are not immune to the national problem of gun violence. This is the beginning of an investigation. Two are dead — the perpetrator and his victim. He does not appear to have a criminal record [at this time]. We're just starting this investigation."

Bloomberg is an outspoken supporter of stricter gun control laws. It will be interesting to see what sort of action, if any, he takes in response to this tragedy.


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    Submitted By: negonet
    Tags: Home Remedy For Heartburn - Natural Heartburn Remedies - Heartburn In Pregnancy Home - Remedy - For - Heartburn - Natural - Remedies - Pregnancy - Heartburn Home Remedies - How To Stop Heartburn
    Categories: People & Stories

    Heartburn Remedies That Are Natural

    Heartburn Remedies That Are Natural Discussion of heartburn remedies that are natural. By following these simple, natural suggestions, you can help your acid reflux and heartburn symptoms.
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    Submitted By: Byron McKnight
    Tags: Heartburn Remedies Heartburn Gerd Acid Reflux Acid Reflux Symptoms Acid Reflux Diet Acids Reflux Stomach Pain Natural Cures Natural Remedies
    Categories: Entertainment

    Home Remedies For Heartburn

    Home Remedies For Heartburn Heartburn is something that almost everyone has experienced at one time or another. Maybe you ate too much, or enjoyed a really spicy meal. Then out of the blue you suddenly feel a searing pain in your chest. Maybe you can't swallow, or you have a bitter taste in your mouth. Those are all symptoms of heartburn. Although it may be called by different names such as GERD or acid reflux, the result is the same for the person with the condition. But there are effective home remedies for heartburn. Many times it can be managed with something you already have in your kitchen.Bananas are often considered natures antacid. You simply eat one whenever you have heartburn, or as a preventative after a spicy meal. Dried bananas are also good, and can be placed in a small container for travel
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    Submitted By: miadavies75
    Tags: Home Remedies For Heartburn
    Categories: Other



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