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By Jesse Cannone Millions of people suffer from back pain unnecessarily when there is actually a very simple solution, according to Jesse Cannone , certified personal trainer and back pain specialist. “Unfortunately, many people are led to believe that back pain is normal and were all supposed to experience it… well, thankfully, thats not the case. Eliminating back pain is not nearly as difficult as most people think or are led to believe… it can actually be easy!” says Cannone. Heres the simple system that MUST be followed if you are looking for real, long-term, lasting relief: 1. Identify the cause nearly all of the treatments people receive for back pain only focus on the symptoms and the healthcare professionals zoom in on only the problem area. The real key in eliminating back pain is to find out exactly whats causing the problem… and most of the time its not even the back! 2. Address both the cause and the symptom the best approach is a combination of treating the symptoms for pain relief while also addressing the underlying cause. 3. Be aware many people suffering from back pain are not in tune with their bodies and during their treatment they do not realize what is working and what is not. In order to achieve long-term relief you have to understand how your body works, whats causing the problem, and what changes have to be made to correct it. 4. Consistent Focused Action – achieving success in anything requires consistency and focused action. Most people with back pain won’t make the time to work on their problem each day… instead they take pain killers which mask the pain and allow them to cause more damage while they continue with their life. 5. Don’t do what doesn’t work – we already know that most traditional treatments for back pain don’t work…. why waste your time, energy, and money? The real key to eliminating back pain is to identify the true cause of the pain and then address it with a combination of treatments to treat both the cause and symptoms. Over 80% of all back pain is caused by muscle imbalances… NOT a lack of pain killers or surgery! Fid out what’s going on in your body and take action. About The Author Article by Jesse Cannone of http://www.losethebackpain.com. Jesse is a certified personal fitness trainer and post-rehab specialist and he has helped hundreds of individuals to eliminate their back pain. Visit his site now and be sure to sign up for his free email course on eliminating back pain. support@losethebackpain.com Article Source: http://EzineArticles.com/?expert=Jesse_Cannone http://EzineArticles.com/?5-Simple-Steps-For-Ridding-Yourself-Of-Back-Pain&id=19175 san antonio online car loan application sba 504 loan program bad credit auto loan refinancing adverse credit fast loan

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By Benedict Rohan Its now unlikely that the state pension will be enough to keep you living comfortably when you retire. It provides only basic support, and the government itself is keen to encourage people to save as much as they can to supplement their state pension and give themselves a comfortable income in retirement. Combined with better health in the general population meaning longer life expectancies and dwindling stock market returns over the last decade or so, the so-called pension crisis is a call to action for people to plan their finances carefully and put more and more cash aside to ensure a safe and secure future for themselves. This article is the second of two guides examining the fundamentals of pensions. The first guide focuses on state pension provision, while this one outlines some of the possibilities for making personal pension arrangements. They are intended for information only and do not constitute financial advice. It is recommended that you speak to a financial advisor for professional advice on planning your finances for retirement. Saving for the future There are lots of ways in which you can save for the future savings accounts, stocks and shares and property investment, for example. However, all of these are subject to tax. Pension schemes are much more tax-efficient as tax relief is given on contributions made and the income they provide during retirement is tax-free. This is why pensions are a common way of saving for retirement. There are two main types of personal pensions final salary and money purchase. The first can only be provided through occupational schemes, but the second can be purchased privately on an individual basis. Final salary Final salary schemes, also known as defined benefit schemes, provide a guaranteed income based on a percentage of salary earned during your final year of work as well as length of service with the company. Its possible to retire on up to two thirds of your final salary. As it guarantees to provide a certain level of income, its often considered to be the best type of pension scheme available. However, there has been a decline in the number of employers offering final salary schemes in the last few years because of the expense of maintaining them. Falls in the stock market have seen many pension investment funds drop drastically in value, meaning that the employer must make up the difference in order to provide the guaranteed income to the schemes members. Another expense for employers with final salary schemes is the 10% tax levied on dividends, a measure introduced by the government in 1997, which again can have a detrimental impact on the size of pension funds. Money purchase With money purchase schemes, also know as defined contribution plans, members make payments into a fund which is then invested into the stock market. On retirement, the accumulated funds are used to buy whats called an annuity, which provides a regular retirement income. The amount youll receive in retirement isnt guaranteed it depends on how well the stock market has performed and on annuity rates at the time that you take out your annuity. Whereas final salary pensions put the burden of risk on the employer, who must make up the amount to a guaranteed level, its the member whos responsible for the risk of a shortfall in money purchase schemes. Members may therefore need to save more cash independently to ensure theyll have a comfortable retirement. Youll have some flexibility to choose what funds your money is invested in, and your decisions will depend on your attitude to risk. Higher risk investments can provide much greater potential returns, but at the same time can also make the biggest losses. Safer investments will reduce the risk of losses but will not be likely to yield as big returns as higher risk investments. Annuities An annuity is a fixed, regular amount of money paid to someone, usually for the rest of their life, which is purchased using a lump sum from a pension fund, for example. Its invested in the stock market, usually in funds considered to be safe. Annuity rates have plummeted in the last decade, meaning that many people are now expecting lower annuity incomes and are having to change their retirement plans. However, there are various different options when it comes to annuities. Members arent obliged to take out the annuity offered by their own scheme they can use their accumulated pension funds to buy an annuity from any annuity provider on the open market, where they may be able to get a better rate. Its also possible to take up to 25% of the pension fund as a tax-free cash lump sum, leaving the other 75% to purchase an annuity. A third option is to take out a short-term annuity of up to five years to keep your pension invested for a little longer in the hope that it will increase in value to allow you to purchase a better lifetime annuity further down the line. Another way of delaying taking out an annuity is to receive an income directly from your pension fund, keeping it invested in the hope of gaining higher returns to sustain the income received. However, the value of the funds could fall just as easily as they could rise, which may leave you worse off. This option is known as an unsecured pension using income withdrawal. Finally, its possible not to purchase an annuity at all and instead receive an income directly from your pension fund from the age of 75 with an alternative secured pension. Before 2006 it was a legal requirement to purchase an annuity from pension funds by the age of 75, but the law changed to allow people over 75 to receive this type of income instead, although the total amount of income that can be drawn down from it is 70% of a lifetime annuity. Its intended for people who are opposed to purchasing annuities on ethical grounds as a result of their religious beliefs. Stakeholder schemes Stakeholder pensions were set up by the government in 2001 with the aim of facilitating access to personal pensions for people whose employers dont run occupational schemes. As with money purchase plans, stakeholder pensions invest in the stock market, bonds and cash savings accounts and accumulate funds which are used to purchase an annuity upon retirement. Theyre designed to be easy to understand, flexible and lower cost than other pension plans. The maximum charge that administrators will be able to charge each year for managing the funds is 1% of the value of the fund, and they cannot charge penalties if members wish to transfer cash in or out or stop contributing. However, theres a limit to the amount that can be invested, so theyre designed for people on low to middle incomes rather than high earners. Author: Benedict Rohan Website: www.mortgagenation.co.uk Benedict Rohan works as a freelance finance writer. Commercial Mortgage, Homeowner Loans, Remortgages Article Source: http://EzineArticles.com/?expert=Benedict_Rohan http://EzineArticles.com/?Pensions-Guide:-Private-Pensions&id=373954 payday advance loans hard money lenders for business loan per aprove personal loans quick pay day loan

By Sean Dunagan When we think of technical certification, most of us think of the seemingly endless jumble of letters that follow the names of information technology expertsMCSE, MCSA, A+, CCNA, etc. These certifications serve as standardized, objective validations that the person holding them possesses a certain set of skills and a certain level of professional competency. In todays increasingly competitive business environment, however, certifications arent just for computer geeks. There are now a number of highly valuable certifications available in areas beyond information technology. If you are a work-at-home parent or a freelance professional in any field, investing the time and effort to get a non-technical or semi-technical certification can reap tremendous benefits. Why get certified? I believe that there are three fundamental reasons for you to consider adding a professional certification to your freelance portfolio. First, just like the classic IT certifications, holding a professional certification demonstrates that you are competent. Its one thing to state on your resume, website or promotional materials that you know how to use Microsoft Word, but its quite another to state that you are a Microsoft-Certified Office Specialist in Word. The difference is just one passable exam, but to a business considering who to hire for a freelance word processing or data management project the difference is significant. That brings me to the second advantage. As a freelancer (or the owner of an at-home business services business), being certified always gives you a leg up on the competition. This is particularly true if you are fairly new to the freelance market and havent yet acquired an impressive list of satisfied clients. Holding a certification is a quick and reliable way of letting prospective clients know that you are a professional. Finally, certification in a relevant field can enable you to parlay entry-level freelance jobs into more lucrative contracts. Data entry work, for instance, is typically one of the most available freelance opportunities; unfortunately, it is also usually the worst paying. Microsoft certification in Access or as a database administrator can help a data entry freelancer transition to a database design and management contract. Today, there are professional certifications to facilitate such a business development strategy for freelancers in virtually every field. Heres a look at the best certifications for freelancers and work-at-home professionals. CompTIA The Computing Technology Industry Association (CompTIA) offers the most widely-recognized vendor neutral certifications in the world. As the name suggests, most of their certifications are in the IT field; however, many are valuable for freelancers of all stripes. For general business services, including any type of consulting service, CompTIAs Project+ is invaluable. Project+, as the companys website states, is a global credential that validates the knowledge required to effectively manage projects throughout the entire project life cycle. In addition to project management basics, the exam includes skills such as conflict resolution, negotiation, and team building. In short, holding Project+ certification demonstrates that you know how to do what the typical MBA graduate has only learned about. Yet, there is no academic requirement for the Project+, and the exam, though rigorous, is definitely passable for those willing to study. Sitting for the Project+ exam costs $207 USD, but you can almost always find discount test vouchers online for about $150. CompTIAs e-Biz+ certification demonstrates a degree of proficiency in the concepts, issues and technologies of IT-enabled business processes. Dont panic, thoughyou wont have to memorize html code! Rather, e-Biz+ demonstrates knowledge of e-commerce, e-marketing and other issues related to maximizing the benefit of utilizing technology in a business environment. This certification could be highly valuable for freelancers and work-at-home professionals working as business consultants, or for those with Internet-based businesses. The retail exam fee for the e-Biz+ test is currently $225. CompTIA also offers the i-Net+ certification. This exam covers Internet basics, web development, networking and security issues. Dont let the word networking scare you, though. This is a semi-technical certification that is of far more value to e-commerce and marketing freelancers than to network administrators. The i-Net+ exam currently costs $207. Microsoft You dont need to be a networking guru to benefit from the prestige and recognition of official Microsoft certification. The company also offers universally-recognized certification options for end users of the Office suite and Microsoft Project. Microsoft Office certification is available at three levels. For certification as a Specialist, you must pass an exam in Word, Excel, PowerPoint or Access. Thats rightyoure just one test away from being Microsoft certified! The next level is Expert certification. That requires the passage of a somewhat more rigorous exam. Currently, the expert-level tests are only available for Word and Excel. To attain Master certification, the candidate must pass a total of four exams: Word 2003 Expert, Excel 2003 Expert, PowerPoint 2003 and either Access 2003 or Outlook 2003. Thats a lot of tests, but holding Microsoft Office Master Certification can really set a freelancer apart in the eyes of a prospective client. Test vouchers for each Microsoft exam can be found online for approximately $70. Conclusion Like the rest of the global business climate, the world of freelancing and self-employment grows more competitive every day. Professional certification is not a panacea that will guarantee success, but it can certainly help you stay ahead of the competition and win new clients. Sean Dunagan is the president of Pinnacle Associates (http://www.pinnacleassociates.50megs.com), a web-based resource for freelancers and work-at-home professionals. Article Source: http://EzineArticles.com/?expert=Sean_Dunagan http://EzineArticles.com/?Certification-for-Freelancers-and-Home-Based-Business-Owners&id=20436 personal loans pay day advance loan automatic approval on no fax payday loans apply by phone payday loans

By Yolanda Nash The best man will normally be the one to handle all of the planning of the bachelor party. Although all of the other groomsmen should help with some of the planning and payment for the party. As the best man make sure that you take into account of what the groom wants to do without fully giving away all of the details of the party. Traditionally this is the last night that the groom gets to let loose before taking the plunge and becoming a married man. Below I have put together a list of ideas and events for your bachelor party. Go to a nice comedy club and have a few drinks and a nice dinner Watch a magician show Rent a limousine and tour a city and all of its sites Take a weekend away and go hunting or fishing Go on a ski trip Go to a ball game and rent a hotel for the night Go play paintball with all of your guy’s Take a nice golf trip Rent a lakefront cottage for the weekend Take a road trip and visit all the places you have dreamed of seeing Take a tour of the White House Rent go carts for the afternoon Have a poker night out and a few brews to go along with the poker and cigars Rent a basketball gym and play basketball Just remember that this is the grooms party and make sure he is having fun and enjoying his self and please do not humiliate him in any way. Yolanda is the owner of Yolandas wedding favors and wedding planner. She enjoys seeing all the different table decorations and wedding party favors that go along with the reception. In her online store she sells all types of wedding favors and wedding accessories. She has a very nice line of bridesmaid gifts such as personalized cosmetic bags, terry cloth spa robes, spa slippers and many more gifts for your bridesmaids or groomsmen. So be sure to check out Yolandas wedding favors for all of your cheap wedding favors, unique wedding favors, discount favors and many more. Article Source: http://EzineArticles.com/?expert=Yolanda_Nash http://EzineArticles.com/?Bachelor-Party-Ideas&id=377188 pay day loan yes no money down construction loans unsecured personal loan lenders loan modification short sale

By Debbie LaChusa I often wonder how people without a plan know where they’re going. Or, how they know when they’ve arrived at their destination. Think about it. If you never specify what your goal is, how do you go about achieving it? And how do you know when to celebrate? Step One Having a clearly defined, and written goal is the first step in creating a successful business. How Will You Measure Your Success? Whether you choose to measure your success in number of clients or revenue per month or year, or in any other terms, is up to you. The point is to establish a measurable goal. Step Two The second step to creating a successful business is creating a plan to achieve your goal. This is your marketing plan and it ensures all your time, energy and money are focused on achieving whatever it is YOU want to achieve. But it doesn’t stop there. A Goal And A Plan Are NOT Enough Just having a goal and a plan are not enough. You must track your progress so you can determine if it will require more or different effort to achieve your goal. So how do you track your progress? You Need Two More Things … One First, you track your progress toward your overall goal. I recommend you evaluate this at least every couple of months. But why not just make a habit of doing it once a month? Make it a practice to review your marketing plan and how well it is moving you toward your goal, at the end of every month. A good day to do this is the day you take care of your end-of-month administrative tasks (things like paying bills and running sales and financial reports). If you break your goal down into twelfths, you can easily tell each month if you’re on track. And, if you’re not, you can easily make adjustments, like increasing your level of marketing if necessary, to get back on track. By keeping close tabs on your progress toward your goals, you greatly increase your odds of achieving them. Partly because you give yourself time to make adjustments and take a different route if necessary. And, partly because you are constantly reminding yourself of your intentions. And … Two The second way to stay on track is to track each of your individual marketing activities. This is how you’ll know if each activity is moving you toward your goal. For Example … Tracking Your Web Site Stats If you’re generating your prospects or clients via your web site, do you know how many visitors you need to generate the number of clients you’re shooting for? It’s pretty easy to determine if you utilize web site tracking reports. Your web host should provide tracking reports to let you know how many visitors your site is getting, and ideally you can track this for each page of your site. WebStat is a great tool that provides detailed reports on web site traffic. I use it as a supplement to the reports provided by my web host, and I love it. You can try it out at no cost, plus there’s a free version, or you can subscribe for a very low monthly fee. Learn more about WebStat here. If you have a newsletter or special report that web site visitors can subscribe to you can then determine what your conversion rate is: Total Subscribers divided by Total Visitors equals your Conversion Rate. Do You Know What Your Conversion Rates Are? You can then take this one step further by determining what your conversion rate is, from subscribers to clients. Or, to measure what your sales conversion rate is if you are selling products or services on your web site. Once you know your sales conversion rate, you should be able to calculate how many web site visitors you need to generate to achieve your sales or “number of clients” goal. This will tell you pretty quickly if you’re on track to achieve your goal, or if you need to generate a lot more web site traffic to do so. A Little Bit Of Math Upfront Will Guarantee Your Success While at first it may be disheartening, especially if you’re way off the mark, at least you have a clear picture of what it will take to reach your goal. Then it’s simply a matter of finding ways to generate the traffic. And then it’s only a matter of time until you achieve your goal. Track Your Speaking Engagements or Teleseminars You can track other marketing activities in a similar way. For example, with speaking engagements or teleseminars, what percentage of your attendees typically subscribe, and then what percentage of those typically become clients or buy? You can determine how big of an audience or how many speaking engagements or teleseminars you need to do to reach your goals. Track Your Public Relations Efforts For public relations, how many people do you need to reach, or impressions do you need to achieve to generate the return necessary to meet your goals? You can then send your releases out more frequently (just make sure they’re newsworthy) or to media with a larger audience. Again, if you monitor your results every month, you’ll have a very good idea if you’re on track to meet your goals. And, you’ll have plenty of time to make adjustments to your plan if necessary. So, What’s Your Goal For This Year? And do you know if you’re on track to achieve it? If you haven’t committed your goal to writing, I encourage you to do so today. If you’re not sure what you can achieve, then take your best guess and work towards that. You Can Track Your Way To The Top! Put some tracking practices into place and stay on top of them every month. If you do this, I guarantee you’ll achieve a lot more than if you just “wing it!” If you’d like some help creating your goals and developing a marketing plan to help you achieve them, check out The 10stepmarketing System. It walks you through the process in a simple, step-by-step manner, making it easy. Debbie LaChusa created The 10stepmarketing System to make marketing your own business as simple as answering 10 questions. Learn more about this unique, step-by-step system and get a free 10-week Marketing E-Course when you subscribe to the free, weekly 10stepmarketing Ezine at http://www.10stepmarketing.com Article Source: http://EzineArticles.com/?expert=Debbie_LaChusa http://EzineArticles.com/?Tracking-Your-Way-to-the-Top!&id=61734 loan programs nj bad credit accounting for a personal loan for business purchase project payday reviews sacramento sba loans

By Ian Mason I want you to close your eyes and picture yourself looking at… yourself. Pretend you’re watching a movie and you’re the star. Once you’ve finished admiring yourself you’re probably going to wonder why I want you to do this. What you’re looking at is your own worst enemy. If you could find a way to ignore yourself I guarantee that you would never quit any diet, workout routine, or health kick. You’d be fit as a fiddle and as strong as an Ox. Unfortunately, every human being comes equipped with the “annoying voice in the back of the head” (patent pending). You know the one- that nagging little voice that tempts you to enjoy that double chocolate cheesecake or skip your daily workout. So how exactly MIGHT you be sabotaging your weight loss? You overeat. Over consumption promotes weight gain. No matter how much you try to convince yourself, there is no good time to make a pit-stop at McDonald’s for a “treat”. The fact is that high-calorie, high-fat foods are the quickest way to sabotage your weight loss as well as introduce bad long-term diet trends. You watch too much TV. Not that there’s anything wrong with the television, but when you are watching TV you probably aren’t doing anything else. All of the time that you spend sitting on your butt you could be out doing something physical to help facilitate your weight loss. Now, if you must several hours of TV every night, why don’t you invest in a treadmill and go for a jog while you are watching? This will kill two birds with one stone: you’ll become more active and burn more calories, and you’ll be able to watch TV in the process. It’s win-win! You rely on your car too much. What ever happened to walking or biking? Unless you need to travel a long distance there’s no reason that you shouldn’t able to throw on a pair of running shoes and walk there. Better yet, hop on the bike and time yourself. See what the quickest time you can produce is. This type of activity is low exertion cardio that is beneficial to both your heart and your mind. Many studies have shown moderate physical exercise regulates the secretion of hormones that are known to exasperate stress. In other words, going for a walk a few times a week can reduce your stress. You listen to your friends. Unless your friends are nutritionists, personal trainers, or doctors there is no reason that you should listen to every piece of advice that they throw at you. Chances are good that know everything that they do anyway. Stick to your guns and never lose your motivation, no matter how many times your friends tell you that going for nightly walks won’t help you lose weight. You buy into the “fat” mentality. If you make excuses to get out of physical activity or a properly cooked meal then I don’t know how you ever expect to lose any weight. As a matter of fact, don’t be surprised when you start gaining weight. Cut the crap and come down to earth: losing weight takes time, patience, and self-control. Now put down the remote and go for a walk! Learn how to stop yo-yo dieting and lose weight permanently at PhenForum.com, a resource for free tips on weight loss and diet supplements like phentramin. Article Source: http://EzineArticles.com/?expert=Ian_Mason http://EzineArticles.com/?5-Ways-You-Might-Be-Sabotaging-Your-Weight-Loss&id=527486 money lender act 1951 new websites for no fax payday loans payday loans in canby oregon installment payday loan

By Lawrence L. Hoyle You have heard the term “Curb Appeal” in reference to houses. In order to enhance your home’s “curb appeal”, a great looking lawn is a must. Easily said, but how do you get and keep that great looking lawn? Here are some tips that are sure to create and keep a great looking lawn and enhance your property “Curb Appeal”. 1 . Have your soil tested by your local Cooperative Extension Service. Find out what your lawn needs. 2. Fertilize 3 to 5 times per year on a regular schedule that is appropriate for your lawn grass. Each type of lawn grass and area of the country will have somewhat different requirements. Fertilizers available today are high in Nitrogen or (N), low in phosphorus (P) or the middle number of the fertilize analysis on the fertilizer bag and medium amount of potassium (K). Look for a fertilizer with a analysis like 25(N)-3(P)-11(K). Most experts would recommend from 1/2 to 1 lb of actual N to the application. Example, with the 25%(N) from above (25% x 1/2(N)lb = 2 lbs of a fertilizer 25-3-11 be applied to 1000 sq ft or 25% x 1 lb = 4 lbs per 1000 sq ft. If you have any question or concern, contact your local Cooperative Extension Service for your local requirements. 3. Mow your lawn as high as you can during the hot summer. This will provide protection from drying out and help to shade the ground to prevent water loss. This saves on watering and helps to crowd out weeds. Mowing at a lower height during early spring should be fine as it is usually a wetter time of the year. 4. Water 1″ to 1-1/2″ per week, depending upon rain fall. amounts watering lightly promotes a shallow root system which is not good when the hot, dry summer arrives. Over watering will cause roots to rot. So, a soaking once per week is much better for a good lawn. Remember, adjust the amount of water you are adding by the amount of rainfall. 5. Aerate at least once a year. This will promote root growth and allow water, fertilizer and other nutrients to enter the root system more readily. It will help to reverse the soil compaction that has taken place the result of mowing with a large riding mowers. If you add the weight of the large mower and the person riding, you have several 100 pounds running around your lawn. If you have a low growing small leafed weed, it is knotweed and you have a compacted soil condition. 6. Keep the mower blades sharp. Dull mower blades rips the ends of the grass blades and causes a gray looking condition across the yard. If you don’t have a electric grind stone, find a local mower shop or hardware store to sharpen the blade at least a couple times a mowing seasons. 7. Mowing more often will encourage your lawn to grow a thicker turf. Don’t cut more than 1/3 of grass height off at one cutting. 8. Control weeds with a lawn herbicide throughout the growing season. For homeowners, ortho weed-B-gone works great. The best defense against weeds is a lush, thick lawn that crowds out weeds. 9. Mulch or not the grass clipping that is a big question. a. Bluegrass – NO b. Bermuda – NO c. Zoysia – NO d. Fescue – Maybe if the grass is not too long cutting. e. St. Augustine – YES f. Centipede – YES In Bluegrass lawns, I have seen a layer build-up of thratch to 1- 1/2″-2″ thick. When this happens the roots become shallow with 2″ thick. When this happens the roots become shallow with no roots into the soil at all. Insects and diseases like a thick thratch layer as well. If you want to mulch your grass, you may find problems overtime. 10. Try to mow in different directions each time you mow. This will help prevent compaction and ruts from the mower’s wheels. 11. Watch for dead patches in your lawn. This may indicate insect or disease damage. Treatment should be made only after you know for sure what is causing the brown areas. Again, your Cooperative Extension Service can shed some light on what the problem is and the proper cure. Lawrence L. Hoyle has been trained and has work in the Landscape Profession for 52 years. Landscape Designer for 46 years and was on the Extension Faculty of Purdue University for 12 years. His main website is http://www.web-landscape-design-ideas.com Online Landscape Design Service For Homeowners and Landscape Contractors. “Plan Before You Plant” Article Source: http://EzineArticles.com/?expert=Lawrence__L._Hoyle http://EzineArticles.com/?Beautiful-Lawn-Today&id=442977 ltv unsecured real estate loan short term loan exception recipe for payday cookie bars cash advance today

By Janette Blackwell Our parents called them “the Bible Club girls,” even though Hazel Simonton and Jean Clark had strands of grey sprinkled through their dark hair by the late 1940s. That’s how people referred to women, especially single women, back then. Every Wednesday after school, the Bible Club girls came to our church in the Bitterroot Valley of Montana. The pastor had built a fire in the cast-iron furnace in the back corner of the church, but the building was still bitter cold when we arrived at three-thirty. We perched on the first two rows of cold wooden pews, little kids with rubber boots, winter coats leaking dirty mittens, stocking caps, and, frequently, cold sores and runny noses, which noses, if they were wiped at all, were wiped on the dirty mittens. Miss Simonton and Miss Clark knew all our names. And remembered them forever. We could meet them in a store in Missoula ten, fifteen years later to be greeted by name and flooded with love. Because they loved us. Truly did. And we warmed to that love the way little plants do to sunshine. After the class session was over, Miss Simonton and Miss Clark asked, “Who needs a ride home?” A forest of hands went up. Mine usually didn’t, because Mamma usually sat in the back of the church, ready to take all children from around Willow Creek. But sometimes she couldn’t come, and I was one of the children who piled into the Bible Club girls’ little car. I sat up front, as I got carsick, and six or seven children crowded into the back, poking and pinching each other. “Who’s closest?” Miss Simonton would ask. “Me,” a hand went up. And we were led through mile after mile of icy dirt road with ruts frozen into place, past cold, forlorn farmhouses and barns and bare trees and chilly looking cows and horses with long winter coats, while the snow-covered Rocky Mountain peaks looked down at us in the deepening gloom. “Turn here,” a little voice would command from the back seat, as the car jolted and jumped and skidded over the roads. “And here.” Gradually the crowd in back dwindled. Until there were just a little girl and a little boy. A freckle-faced boy with tears streaming down his face. “Why is he crying?” “Because he’s lost,” said the little girl solemnly. “He doesn’t know where he lives.” “Do you know where he lives?” “Nope.” “Does anybody in here know where he lives?” “Nope.” (The little boy began to sob deeply and hopelessly.) “Don’t cry, sweetie. We’ll find your home.” Not the highlight of the little boy’s week or theirs, but eventually, after hours of travel, the little lost boy was home again. Why did they do it? Not for money. They came West from New Jersey with just $40 per month pledged to them. But their idea was never to get, but to give. The things they did, they did for love: the love of God which is in Christ Jesus our Lord. Which love they poured out on all of us, year after year. They died in the 1990s in Montana, which had become their true home. Shirley Rasmussen Downing describes Hazel Simonton’s death: “Cathy called me in Arizona and told me that Miss Simonton had just passed away . . . on the hospital heart floor. At 4:00 A.M. she spent ONE HOUR talking with Miss Simonton, as Miss Simonton wanted to tell her about me — the Daily Vacation Bible School years and helping at camp, all the many, many verses I had learned at Bible School, and the Bible drills I had won. “Then, after her long visit with Cathy, Cathy left for a bit, returned to check on her, and she had died.” How like her to die thinking of one of her children — for we were all her girls and boys. Her family back East sent a nephew to represent them at the funeral. He arrived at the church early and was seated in a front pew in the almost empty auditorium. He had said he couldn’t give a speech, but the pastor didn’t know that and called on him. He bravely went to the front of the auditorium and turned around. And gaped to find the church now packed, the balcony filled, and people standing at the rear. All the little boys and girls Hazel Simonton and Jean Clark had loved all those years had grown up and had children and grandchildren, and hundreds of them were there that day to show their love and respect. Because Hazel Simonton and Jean Clark loved us. And we loved them right back. About The Author Janette Blackwell is the author of a Christian mystery novel and a hilarious cookbook, Steamin Down the Tracks with Viola Hockenberry, to be found at foodandfiction.com. Janette@foodandfiction.com Article Source: http://EzineArticles.com/?expert=Janette_Blackwell http://EzineArticles.com/?They-Loved-Us&id=16831 top ten bad credit personal loan companies payday loans with no faxing and tele checking how do payday loans work bad credit car loan kelso

By Bryan Miller What if You could burn fat by stretching? Would you take a measly ten minutes out of your day to improve your flexibility? Who couldn’t spare that? If it were simple to relieve yourself from joint pain AND lose weight, would you deny such a little price? Weight loss and joint pain relief are closely related. It is estimated that the bodys joints feel three times the pressure of each pound of excess weight on the body. If you’re ten pounds overweight, your joints are feeling thirty pounds; not just ten. It adds up to someone thirty pounds overweight. What if it only took 7 minutes a day to improve your appearance and the health of your joints? The majority of people who are overweight don’t realize that their joint health is as bad as it is. Most people with joint problems dont realize that they risk gaining weight. The body was designed to work. Yes, thats a vague statement, but it’s true. It is a perfect machine, it reacts perfectly to everything it comes in contact with. Getting sick is a perfect reaction to something foreign in the body. Likewise, gaining weight is a perfect reaction to the body not being as productive as it was perfectly designed to be. If the joints in a body were to work with optimum efficiency, the body could do what it was designed to do a little easier: burn more fat for more energy. Many people experience relief from back and joint pain when they are introduced to some sort of stretching regimen. With less joint pain, people can move more. With more motion, people can burn more calories, and ultimately, or should I say ideally, more fat. To sum it all up. Weight loss can be achieved through stretching because of the body’s natural ability to react to optimum performance. The joints in the body are the center of each motion the human body has to react to its surroundings. If these are in peak condition, the body is more efficient in its many jobs; in this case: fat loss, and ultimately, greater health for a longer, fuller, and more confident life. Go to my site designed to help you lose belly fat and achieve greater health for great information on weight loss, self improvement, and motivation. Article Source: http://EzineArticles.com/?expert=Bryan_Miller http://EzineArticles.com/?Stretch-Yourself-Thin—Not-Spread&id=453756 short term installment loan amortization hard money loans amarillo tx over night payday loans how to calculate how much your paycheck will be