Apr
29
Feng Shui is an ancient Chinese concept of bringing alignment and boost energy in our place of work and living. In this modern internet age the principles of Feng Shui are more relevant than ever before. Feng Shui is a particular lifestyle with origins in Ancient China which leads to balance, harmony and well-being in our life.
Feng Shui is a process of Energy Channelizing and harvesting. It aligns positive energy in the universe to create calm and balance in our life. It honors our existing beliefs such as our personal religious convictions.
We may be applying the principles of Feng Shui in our every day life without even being aware of it. For example, Christians might have symbols of their religious faith such a cross, pictures and statues of Mary, Jesus, Archangels and numerous saints. These sacred symbols are powerful sources of positive energy. Jewish families often have a collection of Star of David in their homes. These symbols energize their homes and are automatically part of the Feng Shui concept.
Pyramids and triangular formations are very powerful sources of positive energy. Multi triangular formations like Star of David and Sri Yantra are known to usher in great amount of wealth, affluence and abundance.
The principles of Feng Shui utilize positive energy to support us and our beliefs. It revitalizes the soul and un-clutter the home and place of work. Feng Shui allows positive energy to enter into our surrounding. Applying principles of Feng Shui can transform our home into a place that flows with positive energy. Our workplace will be transformed into space that provides us with better focus and more productivity.
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Apr
27
When applying for a home loan there may be some terms used that you are not familiar with. It is wise to learn what they mean, so you will know exactly what is being explained to you. Some of the less familiar terms are: -
1. Accrued interest. This refers to interest that, while owed, has not yet been charged. It is mostly charged at the end of the month.
2. Adjustments are extra expenses (often utility expenses) that have been paid by either party but not used. This is usually sorted out at the time of settlement.
3. Amortisation. This refers to the process of reducing your loan and interest through regular repayments.
4. Arrears refer to a payment that is overdue.
5. Body corporate - refers to those people who own units in a strata building and are responsible for the management of the building and any common areas.
6. Break cost - the amount charged by the lender when the borrower wants to get out of his fixed rate home loan before the fixed time has expired, e.g. he may pay it off early.
7. Capped home loan - the interest rate cannot go higher than a fixed amount, but can drop.
8. Caveat - prevents any further dealings on a property when you register an interest over it.
9. Debt servicing ratio - a way of fining out if you can afford to pay back the amount you want to borrow. It takes into account your present debts and income.
10. Discharge of Mortgage - is when you’ve repaid all that loan and don’t need any more.
Find out more about home loan jargon such as lo doc home loans and variable rate home loan at QuickDirect (http://www.quickdirect.com.au).
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Apr
27
Vegetables contain so many vitamins, minerals and nutrients necessary to good health that it’s important to ensure your baby is eating enough of them. Understandably, then, many parents become concerned when their little ones refuse to eat vegetables at all!
When starting solids, it’s a good idea to try introducing veggies before fruits — the thinking behind this is that babies will be less happy to accept vegetables after experiencing the sweetness of fruits. Despite this, though, some babies just don’t seem to particularly enjoy vegetables — so here are some ideas to help incorporate these nutritious foods into his diet:
- Try cooking your baby’s vegetables in homemade beef stock or chicken stock instead of water (avoid commercial stocks, which are too salty for use in baby food preparation). This is a popular solution that works well for many parents.
- Try stirring some pureed veggies into pureed fruit. It sounds awful, but actually tastes pretty good — babies have no idea which foods should “go” together, so you’ll be surprised by what they enjoy!
- Top a dish of cooked veggies, whether pureed or cut-up, with grated cheese. A subtle difference, but one that many babies appreciate! Alternatively, serve veggie pieces with a cheese dip.
- Add pureed veggies to your baby’s favourite soup or pasta sauce — he won’t even realize he’s consuming all those wonderful vitamins!
- For older babies, add grated squash, pumpkin or carrots to your homemade muffins.
- At mealtimes, offer your baby a plate of cooked vegetables to feed himself at the beginning of the meal (if he is developmentally ready for finger foods). This is when he will be most hungry… and therefore most likely to try them.
- If you are making mashed potatoes for your baby, use sweet potatoes instead of white ones — they are highly nutritious and a great source of beta-carotene.
- Don’t overcook your veggies! As well as losing their texture, vegetables lose their goodness AND their colour when cooked to a mush. If you want your baby to enjoy vegetables, they need to be appetising and visually enticing, too!
- Set a good example by eating plenty of veggies yourself — eat them in front of your baby, with exaggerated enjoyment… and your baby might just copy you!
Christine Albury is a mother of four and the author of Homemade Baby Food Recipes - your complete guide to solid feeding during baby’s first year.
Christine has written for many other parenting sites and a regional UK magazine. Homemade Baby Food Recipes, which was recently featured by the BBC, includes a very active blog - keeping parents up to date with all important baby food news - plus a free monthly newsletter.
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Apr
26
If you love jewelry but often find that the increasing price is just too much for your wallet to handle, you may feel as though a glamorous collection is out of reach. Luckily, sterling silver is one precious metal that remains affordable and accessible for many jewelry lovers. When combined with the beauty of cubic zirconia, the world of jewelry looks a lot ‘brighter’ for many who desire the elegance and sophistication that few other accessories could offer.
Before you make a purchase, shop around and compare prices. You will likely find a significant difference in the prices offered by your local jeweler versus an online retailer. Why? Due to the volume of business that an online retailer can achieve, they are often able to offer competitive prices and a wider selection than some jewelers.
Once you’ve chosen a jewelry retailer to shop with, check out their clearance or sale items and always use any available coupons to help with the total cost of your purchase. Believe it or not, many retailers offer discounts to first-time customers simply to allow buyers to try their products at a discounted price. Depending on the business, shoppers may be given a coupon simply for signing up with the company’s newsletter or as a welcome after they register as a new customer. Either way, coupons are a great way to save some additional money and still get a fabulous look.
Speaking of saving money, you can actually earn money if you make a purchase with a credit card that offers a cashback bonus and/or reward program. Many, if not most, online retailers accept all major credit cards, which makes shopping online a fun and easy way to get a great deal and also earn a few ‘rewards’ in the process.
In addition to finding a terrific deal by shopping for items on sale and saving a little money by using coupons, some retailers offer shipping discounts on multiple purchases. This method can save you considerably, especially if you can buy all of your jewelry favorites at one time in order to get the absolute best deal on shipping and handling charges. For more information, check out the online retailer’s policy on shipping fees.
As mentioned earlier, sterling silver and cubic zirconia have proven to be a winning combination for those who desire the look of a rich jewelry collection but may not have either the budget or the desire to spend a fortune on accessories. Because cubic zirconia can be clear or treated to mimic nearly every color of the rainbow, you can find a variety of colors that’s sure to coordinate with all of your clothing separates. With such a large selection of designs at affordable prices, it’s not difficult to see why cubic zirconia jewelry continues to grow in popularity.
In conclusion, it’s easy to build a beautiful jewelry collection without spending a fortune. When you shop smart, you are sure to find a ‘bright’ pick in sterling silver and cubic zirconia jewelry. From earrings to rings and necklaces to bracelets, there are designs to suit every style and wallet.
Almost Diamonds, a popular online retailer specializing in sterling silver jewelry, has a complete line of items featuring cubic zirconia and genuine gemstones in a variety of styles to choose from. If you are looking to maximize your jewelry collection without minimizing your wallet, consider the affordable option of sterling silver. Not only is this a precious metal that’s designed to last forever, but it also is an economical way to get the look of platinum or white gold without spending a fortune. For more information on sterling silver jewelry and cubic zirconia, visit Almost Diamonds at http://www.almostdiamonds.com
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Apr
25
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