This site is an archive of articles. Visit my newsletter → satyajett.net

Category: articles250

  • Knee

    Knee-deep in debt, consider student loan consolidation programs

    You finished college. Good for you, but how did you finish it? If your answer is student loans, many Americans are like you. However, some lucky once successfully found a way out of being knee-deep in student loans.

    Student loan consolidation program

    This program helps people to manage their finances easily by consolidating their student loans into one easy to pay loan. Student loan consolidation program will help reduce your monthly payments up to 50% or more. This reduction in your monthly payment, of course, will depend on how much is your total student loan.

    However, because of the reduction in your monthly payment, you can use the spare money for other expenses like car payments, household needs and even, for childcare.

    You may also take advantage of the lower interest rates for the student loan consolidation program.

    Additionally, if you are able to consolidate all your student loans in one, this process will improve your credit rating.

    Best for defaulted student loans

    There is also a program especially for defaulted student loan creditors.

    The student loan consolidation program for defaulted creditors will include counseling. After which, the consolidator will buy out your existing loans in order to erase it from the books.

    Now, you will be able to pay your loan religiously because the consolidator would have adjusted your monthly payment to a comfortable level. You credit rating will be better and you will not have to experience nightmarish wage garnishment, harassing phone calls and tax refund confiscation, not to mention the fact that you will also avoid receiving strongly-worded collection letters.

    Federal direct loan consolidation program

    Finally, if your student loans fall under the federal direct student loans, in addition to the more than 50% reduction in your monthly payments, you will be given a lock in lower interest rate.

    This lock in lower interest rate will shield you against inflation fluctuations and the lower interest rate means lower monthly payment.

    Another convenience of the federal direct loan consolidation program for student loans is that you only make one loan payment every month. In addition, the convenience of matching your repayment plan and your financial situation is part of the options available in this program.

    It will thus be easier for you to pay religiously and avoid having to default in your payments.

    This federal student loan consolidation program also extends you the assistance of easy application, no fees to collect, no need for credit checking and no application or origination charges.

    With all these student loan consolidation programs, you can now sleep well at night knowing that your monthly burden is now easy to pay. There is no need for you to be stressed in thinking how you can pay all your student loans.

    For other information regarding student loan consolidation programs, you may check out the internet and have all the necessary information to help you save your credit status.

  • Student loan consolidation rates

    Student loan consolidation rates
    Student loan consolidation rates are competitive and can be lend through government or private lender. There are many options available for a student to select the best provider of student loan consolidation, you can search for a lender online and can check their interest rates. In student loan consolidation interest rates plays a great role. Today in the market, thousands of lenders are lending loans to student but when it comes to their interest rates, they are charging very high which is unaffordable by a student.
    Consolidating loans and getting good student loan consolidation rates can help a student shift into responsible bill paying consumer. A student can take a leave from paying monthly on student loans. In student loans, a student has to pay interest every month and for their monthly bills, he has to pay separately but in student loan consolidation, a student has to pay only one payment.
    It is uncommon for a borrower to get a fixed interest rate that is up to 0.6% lower than their current rates. According to federal regulations, calculating the interest rate on a consolidated loan disbursed on or after July 1, 1994 involves the weighted average of the interest rates of the old school loans you are consolidating under the new one, rounded up to the nearest one-eight of one percent. Fixed interest rates on a consolidated loan cannot exceed 8.25 percent.

    It is researched that Americans are the first one in the row of taking the advantages of student loan consolidation rates.
    Now a days thousands of student getting advantage of applying for student loan consolidation as it not only allows you to study well but give you the options of shopping also. Consolidations are one way of getting control over spending and effectively planning a budget. For a best student loan consolidation rates you can surf on net and can be able to find lenders who are proposing affordable payment plans. They give best advices to the students to choose the best student loan consolidation in low rates.
    Thinking about the student loan consolidation is very easy, when it comes on the student loan consolidation rates, you have to browse different company’s brochures, need to enquire about the company’s creditability, the most important thing you need to ask yourself about your requirements which is very important for the application of student loan consolidation. When a student applies for student loans, it is advisory to check the terms that are offered by the student loan provider. But in the student loan consolidation you don’t have to apply for different types of loan, only one will solve all your problems. You have to make one monthly loan payment every month, instead of several loan payments every month over time. This not only saves the student’s time, but keeps them relax from the tensions of paying differently on their loans.

  • What are the Symptoms of Arthritis

    ࡱ> 02/q` 
    bjbjqPqP .::
      *     $hH   qqq:  qqqq  (5
    q0*q ?( q q8qg
    *D What are the Symptoms of Arthritis?

    Arthritis symptoms can vary depending on what type of arthritis you have. Arthritis can affect several part of the body and can be caused by several different factors. Although many of the arthritis symptoms may be similar, there are also some differences. Here are a few examples of arthritis symptoms.

    Ankylosing spondylitis is arthritis of the joints in the spine. It is also known as Marie-Strumpell disease and rheumatoid spondylitis. This disorder affects multiple organs such as eyes, heart, lungs, skin, and gastrointestinal tract. Symptoms of this arthritis include: low back and hip pain and stiffness; difficulty expanding the chest; pain in neck, shoulders, knees, and ankles; low-grade fever; fatigue; weight loss. Initial arthritis symptoms are uncommon after the age of 30, although patient may not be diagnosed until after then.

    Bursitis is another form of arthritis. Bursitis usually affects the hip, shoulder, and elbow. But it can also affect the knee, heel, or base of big toe. Usually this affects athletes, golfers, baseball players, or people who are out of shape and have poor posture. This arthritis symptoms are pain and stiffness in the joint. Arthritis symptoms become worse when joint is used. The joint may also be swollen and warm to the touch.

    Juvenile arthritis symptoms are similar to the adult symptoms. There is pain, swelling, and joint stiffness. Symptoms can come and go. Young children especially do not complain about their arthritis symptoms. Parents may not notice until they see their child limping, avoiding physical activity, or acting unusually clumsy.

    Osteoarthritis is the most common form in older people. It is brought on partly by long-term everyday use. Depending on which part of the body is affected, arthritis symptoms may vary. Most people with osteoarthritis in their fingers dont even know about it unless an x-ray reveals deterioration in the cartilage. Arthritis symptoms are standard with pain and swelling. With osteoarthritis though, even though the arthritis never goes away, the pain fades over time.

    Gout is a form of arthritis where the body has too much uric acid. The symptoms of gout arthritis are intense pain in the joint (usually the big toe). It may also become red, swollen, and warm to the touch. At times, gout can occur in the wrists, ankles, and knees. Arthritis symptoms may not come back for several years. But if crystals formed by the uric acid are left untreated, it can destroy part of the bone.

    Rheumatoid arthritis is caused by an overactive immune system. Arthritis symptoms usually start out as minor stiffness and pain. It may come and go, but eventually the arthritis systems get worse and more frequent. Treatment for this is most effective if caught within the first few months.

    If you have some arthritis symptoms, contact your doctor. Treatments are always more effective if they are caught in the early stages. You can also get more information on arthritis symptoms from the Arthritis Foundation.

    #$%&/8nW [  9)0:CL 
    ɾԶԶԶԲhI/_h^CJaJh@VhOqCJaJh@Vhi.:CJaJh@Vh@VCJaJh@VhI/_CJaJh@VhB#xCJaJh@Vh=CJaJ$%^ _ 9
    :
    ]() 
    gd=$a$gd=
    ,1h/ =!”#$% @@@ NormalCJ_HaJmH sH tH DAD Default Paragraph FontRiR  Table Normal4
    l4a (k(No List
    $%^_9:]
    
    ( ) 000000000000000000
     
     
    
    8@0( 
    B
    S  ?_iju  )(   i.:I/_NpOqB#x=@V^@  X  
    @@UnknownGz Times New Roman5Symbol3& z Arial”qh8Û8Û
    
    0
    
    0$r4d 2HX)?=2”What are the Symptoms of ArthritisHP Authorized CustomerHP Authorized CustomerOh+’0 <H h t $What are the Symptoms of ArthritisHP Authorized Customer Normal.dotHP Authorized Customer2Microsoft Office Word@F#@`(@`( ՜.+,0  hp|   0   #What are the Symptoms of Arthritis Title  !"#$%&()*+,-.1Root Entry F(3Data 1TableWordDocument.SummaryInformation(DocumentSummaryInformation8'CompObjq  FMicrosoft Office Word Document MSWordDocWord.Document.89q

  • Direct student loan consolidation

    ࡱ> 02/` ^bjbj .^
      $L h ;;P
     cv
    f04 4 4 ;;
    $ Direct student loan consolidation

    Student loans are two-edged swords. Without them, you couldnt pay for that degree you worked so hard for. On the other hand, without them, you might actually get to keep the amount you pay out every month for yourself. You might get to pay your other bills on time, afford a more reliable car, or find a better place to live.

    If repaying your student loans is challenging your budget, or worse, putting your finances and credit rating in the red, you might want to think about a direct student loan consolidation.

    With a direct student loan consolidation, you exchange your outstanding student loans with their higher interest rates for one loan with a more manageable, fixed interest rate.

    A direct student loan consolidation may be the answer to more than one problem. If you have struggled to meet your monthly payments and in fact have used every option for deferment or forbearance your current loans offer, or find yourself about to default on your loan, a direct student loan consolidation can mean a fresh start. A new loan is often a clean slate.

    Not only do deferment and forbearance options become available in case of need again, but often direct student loan consolidation gives you a much lower interest rate as much as 0.6 percentage points thereby lowering your monthly payments. And when you consolidate those student loans under a new loan, those loans show up on your credit report as paid off, and your credit score benefits.

    There are four plans for repaying a direct student loan consolidation that you many want to investigate as you consider which is best for your needs.

    The first plan is a Standard Repayment Plan and gives you a fixed monthly payment for up to 10 years. The Extended Repayment Plan also sets fixed monthly payments, but the repayment period is set between 12 and 30 years, according to the total amount you borrow. In this plan your payments are lower because they are spread across a long period of time. Keep in mind, however, that making payments over longer periods of time means you will end up paying out a larger total amount.

    The third option is the Graduated Repayment Plan. This is another direct student loan consolidation plan with a repayment period between 12 and 30 years, only in this plan the amount of your monthly payment will increase every two years.
    Finally, if you have a job and family, the Income Contingent Repayment Plan may be what youre looking for. This plan sets a monthly payment based on your annual gross income, family size, and total direct student loan debt, and spreads those payments over a period of 25 years.

    While direct student loan consolidation may be the best way to get on top of student loans for some, if you are close to paying off your existing loans, it may not be worth it in the long run to consolidate or extend your payments.

    However, if you are still seeing loan payments coming out of your pocket well into the future, consider the direct student loan consolidation seriously. If you consolidate your loans while you are still in school, you may qualify for a 6-month grace period before repayment begins. You may find you will be able to keep any subsidies on your old loans.

    Lower your monthly payments, improve your credit rating, gain control of your loans, and give yourself peace of mind about the future with a direct student loan consolidation.

    ”#
    *
    5
    V

      ”gIJ:[]^h,r
    h[h,r
    CJOJQJ^JaJh,r
    CJOJQJ^JaJ#hRoh,r
    5CJOJQJ^JaJ”#k l -
    .


    P Q

    stWXG`aJK]^gd,r
    $a$gd,r
    ^,1h/ =!”#$% @`@ ,r
    NormalCJ_HaJmH sH tH DA@D Default Paragraph FontRi@R  Table Normal4
    l4a (k@(No List^
    ”#kl-.PQstWXG `
    a
    J K ]
    `
    @0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@0@00^ ^ ^
    8@0( 
    B
    S  ?`
    `
    `
    ,r
    @]
    ]
    tk]
    ]
    ^
    p@UnknownGz Times New Roman5Symbol3& z Arial”h$d$d` ` !r4X
    X
    2QHP)?,r
    2!Direct student loan consolidationLarryLarryOh+’0  (
    H T
    `lt|$Direct student loan consolidationLarry Normal.dotLarry1Microsoft Office Word@@TS@TS` ՜.+,0 hp| 
    X
     ”Direct student loan consolidation Title

     !”#$%&()*+,-.1Root Entry FIv3Data
    1TableWordDocument.SummaryInformation(DocumentSummaryInformation8’CompObjq
     FMicrosoft Office Word Document
    MSWordDocWord.Document.89q

  • ARE YOU WASTING OR INVESTING YOUR TIME

    ࡱ> .0-5@ bjbj22”XX BBBBBBBV  Vrtttttt$RBBBBBB
    BBrBrBBRBBR ”Rr0R} 8} RVVBBBB} BR BVV8
    VVAre you wasting or investing your time?

    Time is the most precious value we have. Time is the greatest equalizer of human beings. If we dont ant to admit his and to treat time with respect then we will only have to lose. It doesnt matter if you are rich or poor, healthy or sick, you will only have 24 hours a day either way, and you should try to use them wisely.

    Most of the times, we waste our time and energy worrying and thinking about things like how to win more money and how to leave a better life. Well, when we do this we usually forget about the most important think the time to live our life in. A wise man will always tell you: You can always make more money, but you can never buy more time.  INCLUDEPICTURE “http://www.eva.ro/images/parts/px-trans.gif” * MERGEFORMATINET 
    How many times are we aware of the ways we invest our time? And the word investment is the most accurate because the way we choose to spend our time is a true investment in ourselves and our own lives. And you will never find the true value of time in the way people around you act and talk.
    People usually spend time for hours in front of the TV, or they spent a lot of time browsing the net with no purpose whatsoever. Some of us even try to steal more time with the cost of many healthy sleep hours. If you wake up earlier in the morning just to smoke a few cigarettes and to fill your self up with coffee so you wont feel sleepy it doesnt mean you won quality time. Also, inefficient work or spending more hours at work that you have to is equal to borrowing your life to someone else.
    Everyone always says things like: Im just counting the hours to go home or I wish it were Friday on a Monday and so on. These are just signs that those persons usually waste their time. If you organize our time efficiently and if you choose to do only activities that motivate us somehow, then we will find ourselves able to work everyday without feeling tired or sleepy.

    At any moment that you just let time pass by you think about what Romans said:Carpe Diem it has a great meaning for our everyday life, it means Live the day or better said Organize your day. Make more time to analyze the way you invest or waste your time. And never forget that you cant tell anything about tomorrow so Carpe Diem!

    (*+


     O[muv~͸͸ަަަަަޢh`;#h`;h`;5CJOJQJ^JaJ)jh,h`;CJOJQJU^JaJ h,h`;CJOJQJ^JaJh`;CJOJQJ^JaJ&h`;h`;5;CJOJQJ^JaJ()*+q r ” I @`gd`;gd`;$a$gd`; 1h/ =!”#$%DdV
    
    S 2Apx-transbůܟ[[D
    nůܟ[[PNG
    

    IHDR%VsBIT|.wPLTEU|ltRNS0JbKGDHgIFg
    |YS cmPPJCmp0712Om
    IDATchIENDB`@@@ NormalCJ_HaJmH sH tH JA@J Font de paragraf implicitRiR  Tabel Normal4
    l4a 2k2 Fr Listare ()*+qr”I@   00p0p0p0p0M9000pM900@00000()*+qr”I@   M900M900M900M900M900M900E9000X14M900My00M900M900M900M900 
      C r 3 smk`;
    @[[ ##[[@{ @UnknownGz Times New Roman5Symbol3& z Arial”h”f”f$$!24d3QH)?`;&ARE YOU WASTING OR INVESTING YOUR TIMEsmksmkOh+’0  
    < H T`hpx'ARE YOU WASTING OR INVESTING YOUR TIMEfRE smkmkmkNormal smk2kMicrosoft Word 10.0@@@՜.+,0 hp  home $A 'ARE YOU WASTING OR INVESTING YOUR TIME Titlu  !"#$&'()*+,/Root Entry Fx"1Data  1TableWordDocument"SummaryInformation(DocumentSummaryInformation8%CompObjj  FDocument Microsoft Word MSWordDocWord.Document.89q

  • HOW TO DRESS IF YOU GAINED A FEW POUNDS

    
    How to dress if you gained a few pounds

    No matter the reasons – stress, not respecting some classic rules like avoiding sweets and too much bread – you managed to gain a few pounds. of course, you are starting a diet but the problem won’t solve itself overnight. in the mean time you need to hide somehow the fat tissue.

    Hiding the belly
    When women gain a few ponds they usually deal with a great amount of water tissue on their abdomens. In this case you must avoid thigh blouses or sweaters. Just wear something with a “V” shaped décolleté to distract the attention from you belly. Dark colors are recommended because they create the optical impression of a slim siluette, so try to wear colors like: dark read, dark blue and black.

    Fat tissue on you legs?

    You can’t anymore close the zipper of your jeans? This doesn’t mean your belly grew up over night, it simply means you are wearing high pants. Try and wear some pants that are lower and also a sweater with medium length that will go down as far as your knees.

    High-heels

    You should consider high-hells because even if you are a little chubby they will give you more confidence and they will create the sensation of a long leg therefore your siluette will appear slimmer.

    And a last trick: hats, gloves, earrings and any kinds of accessories. The explanation is quite simple actually: when people around you will look at them their attention will be distracted from the things you don’t want them to see and this way you won’t have to deal with remarks like:” Did you gain some weight?”.

    The key to hiding those extra pounds is to know the way you should dress. Choosing the right clothing will make you look unchanged until you manage to regain your ideal weight.

  • seo tools

    ࡱ> $&#7  bjbjUU ”7|7|l DFFFFFF${ >jjDDdDD @Z
    DD0DDSEO tools

    Search Engine optimization is of two kinds, Organic and Mechanical. Organic SEO depends on manual or natural ways of optimizing a website and takes more time resulting in long lasting results. Mechanical SEO use software i.e. seo tools to optimize a website. It takes less time but results have a shorter shelf life.

    SEO tools are numerous. They are available for keyword verification checking and suggestions, link popularity checks, meta tag optimization, search saturation checking, back link building, search engine ranking etc.

    The seo tools are being extensively used today to optimize websites. In the fiercely competitive industries it is very important to be on top of Google, Yahoo or any other search engine rankings to tap targeted audience. This greatly helps to sustain, grow and expand your business through your website.

    Each category of seo tools in turn has number of software developed by different companies. It is relevant to know which are good before you embark upon using one. Almost all of them have demo versions available for free download. You can always try them out before narrowing your options and buying the best. Remember, SEO tools are only tools; one should use them with a lot of prudence lest the search engines black list you.
     
     HI!”RS    1h/ =!”#$%
    i8@8 NormalCJ_HaJmH sH tH <A@< Default Paragraph Font   sanku(C:WINDOWSDesktoppassed1seo tools.doc@d@@UnknownG:Times New Roman5Symbol3& :Arial"0h!0sankusanku Oh+'0P    $08@HsssankufankNormalsanku2nkMicrosoft Word 9.0@@9 @9  ՜.+,0 hp  sankutl  Title  !"%Root Entry F@Z '1Table WordDocument"SummaryInformation(DocumentSummaryInformation8CompObjjObjectPool@Z @Z   FMicrosoft Word Document MSWordDocWord.Document.89q

  • diamond flaws and inclusions

    ࡱ> 

    . !”#$%&’()*+,-/012356789:;Root Entry F yFLCompObjjObjectPool+L+LWordDocument0
     Fdokument Microsoft Word
    MSWordDocWord.Document.89q
    [^`^Normal1$95678XT9;>*B*CJH*@OJQJmH nH >`> Heading 1
    <5CJ OJQJ@`@ Heading 2 <56CJOJQJ>`> Heading 3
    <5CJOJQJ    Data 0Table4SummaryInformation((Y @@ TT ]6666666JJJJJ V Jbfjjjjjjjjjjj6jjjjjjj66jjbjjjj6j6jjJJ6666jjjjj66Jjjb +LJJjjDiamond Flaws and Inclusions Internal Diamond Flaws When a diamond is considered to have a flaw, it is an imperfect gem stone. Something about the diamond did not form correctly, or there are tiny imperfections within the stone. Diamond flaws and inclusions are often not noticeable to the average person, and you need not worry about the small inclusions that occur in most diamonds. There are actually only very few diamonds which can be labeled  perfect , and if they are placed in the category of no diamond flaws and inclusions, chances are the diamond will be extremely expensive! There are some minor inclusions which cause a diamond to appear slightly dull. The inclusion within the diamond can affect the stone's clarity because as light passes through the stone, it is intercepted by the inclusion. Many of these flaws and inclusions can be reduced or fixed with the various forms of treatment processes that gemologists and jewelers have learned to do over the years. Other diamond flaws and inclusions may be large enough to cause weakness within the gem stone, and the stone could shatter or break much more easily than a stone without the weakness. These are the flaws you want to be careful with, since they reduce the value of your stone. Pinpoint Inclusions When a diamond has speckles of dark crystals in groups or scattered throughout the stone, it is said to havea form of diamond flaws and inclusions called pinpoint inclusions. If the dark crystals are all clustered together in the stone, the clarity of the diamond is effected, and it appears to have a  cloud inside the stone. These types of diamond flaws and inclusions may cause the diamond to be worth less, as it greatly effects the appearance. Problems from Laser Treatments When an imperfect diamond is treated with lasers to remove dark diamond flaws and inclusions from within the gemstone, sometimes a line is left through the diamond that looks much like a thread. The laser line begins at the outer edge of the diamond, and moves inward to the area where the dark inclusion was treated by the laser. These diamond flaws and inclusions are unsightly and easily spotted by most people, making the diamond less desirable. Mineral and Crystal Inclusions While most diamond flaws and inclusions are negative, there are instances when the diamond flaws and inclusions are actually an eye catching aspect of your diamond! For example, diamonds typically have smaller crystals inside the diamond, often so tiny they cannot be seen without some sort of magnifying device. The clarity of the diamond can be effected by these crystals, if there are enough of them and if they are all grouped together in one area of the diamond. There are a few rare instances when another gem stone is actually inside a diamond, and could certainly not be seen as a diamond flaw or inclusion. For example, if you had a ruby or emerald that was surrounded by a diamond, you would see that as a special piece of jewelry- not a flawed one! :<jl `bRT6666666666655:<jl `bRT!"0%Root Entry F yFLCompObjjObjectPool+L+LWordDocument0 <. !"#$%&'()*+,-/012356789:;>?@ABCDEFGH@9B@ G&VTLYOh+’Oh+’0~(  4
    @ L X
    dpx6(R(Z(f(n(v(USERUSER1@@@9B@ G&VTLY K  2/. 
    Times New Roman[wdw0- 12
    xDiamond Flaws and InclusionsAsz:As^:s:^lA^Az^Times New Roman[wdw0-(2
    Internal Diamond FlawsOzAl^zzA:Azzzz:Az^
    Times New Roman[wdw0-2

    `When a diamond is considered to have a flaw, it is an imperfect gem stone. Something about the ses:l:sAlsss:AV:essVAseOes:As:slse:l:HAl::AA:AV:ls:AseOHeeA:se:VAsse:::seAsAss:lsszA:Ase:2
    ediamond did not form correctly, or there are tiny imperfections within the stone. Diamond flaws and sAlsss:sAs:ssA:HsO:esOOeeAAs::sO:AseOe:lOe:AAss:AseOHeeAAssV:AAsAs:Ase:VAsse:::Alsss:HAlV:lss:2
    binclusions are often not noticeable to the average person, and you need not worry about the small AseAzVAssV:lOe:sHAes:ssA:ssAAeelsAe:As:Ase:lseOlse:seOVss::lss:ssz:sees:ssA:sOOs:lsszA:Ase:VlAA:2

    `inclusions that occur in most diamonds. There are actually only very few diamonds which can be AseAzVAssV:AslA:seezO:As:sVA:sAlsssV:::seOe:lOe:leAzlAAs:ssAs:seOs:He:sAlsssV:sAes:els:se:2
    flabeled perfect, and if they are placed in the category of no diamond flaws and inclusions, chances AlseAes:lseOHeeAl::lss:AH:Ases:lOe:sAlees:As:Ase:elAessOs:sH:ss:sAlsss:HAlV:lss:AseAzVAssV::eslseeV:I2
    ,are the diamond will be extremely expensive!lOe:Ase:sAlsss:AAA:se:esAOeeAs:essesVAseO2
    ^There are some minor inclusions which cause a diamond to appear slightly dull. The inclusion seOe:lOe:Vse:AssO:AseAzVAssV:sAes:elzVe:l:sAlsss:As:lsselO:VAAssAAs:szAA:::se:AseAzVAss:2
    cwithin the diamond can affect the stone’s clarity because as light passes through the stone, it is dAAsAs:Ase:sAlsss:els:lHHeeA:Ase:VAsse$V:eAlOAAs:seelzVe:lV:AAssA:slVVeV:AsOszss:Ase:VAsse::AA:AV:2
    cintercepted by the inclusion. Many of these flaws and inclusions can be reduced or fixed with the dAsAeOeesAes:ss:Ase:AseAzVAss:::lss:sH:AseVe:HAlV:lss:AseAzVAssV:els:se:Oeszees:sO:HAses:AAs:Ase:2

    _various forms of treatment processes that gemologists and jewelers have learned to do over the slOAszV:HsOV:sH:AOelAesA:sOseeVVeV:AslA:sesAssAVAV:lss:AeeAeOV:slse:AelOses:As:ss:sseO:Ase:2
    years.selOV:2
    +_Other diamond flaws and inclusions may be large enough to cause weakness within the gem stone, AseO:sAlsss:HAlV:lss:AseAzVAssV:ls:se:AlOse:esszss:As:elzVe:elzseVV:AAsAs:Ase:se:VAsse::2
    5dand the stone could shatter or break much more easily than a stone without the weakness. These are lss:Ase:VAsse:eszAs:VslAAeO:sO:sOelz:zes:sOe:elVAAs:Asls:l:VAsse:AAsszA:Ase:elzseVV:::seVe:lOe:2
    ?Qthe flaws you want to be careful with, since they reduce the value of your stone.Ase:HAlV:ssz:lsA:As:se:elOeHzA:AAs::VAsee:Ases:Oeszee:Ase:slAze:sH:sszO:VAsse:-$2
    bPinpoint Inclusions2AzzzAzA:OzlAz^Azz^-2
    eWhen a diamond has speckles of dark crystals in groups or scattered throughout the stone, it is said ses:l:sAlsss:slV:VseezAeV:sH:slOz:eOsVAlAV:As:sOszsV:sO:VelAAeOes:AsOszssszA:Ase:VAsse::AA:AV:VlAs:2
    hto havea form of diamond flaws and inclusions called pinpoint inclusions. If the dark crystals are all As:slsel:HsO:sH:sAlsss:HAlV:lss:AseAzVAssV:elAAes:sAsssAsA:AseAzVAssV:::OH:Ase:slOz:eOsVAlAV:lOe:lAA:2
    bclustered together in the stone, the clarity of the diamond is effected, and it appears to have a eAzVAeOes:AsseAseO:As:Ase:VAsse::Ase:eAlOAAs:sH:Ase:sAlsss:AV:eHHeeAes::lss:AA:lsselOV:As:slse:l:2
    !ccloud inside the stone. These types of diamond flaws and inclusions may cause the diamond to be dleAszsl:AsVAse:Ase:VAsse:::seVe:AsseV:sH:sAlsss:HAlV:lss:AseAzVAssV:ls:elzVe:Ase:sAlsss:As:se:Q2
    “1worth less, as it greatly effects the appearance.sOAs:AeVV::lV:AA:sOelAAs:eHHeeAV:Ase:lsselOlsee:-42
    $Problems from Laser Treatments^zzAl^:A^z:z^l^:^lzAlzA^-2
    &RWhen an imperfect diamond is treated with lasers to remove dark diamond flaws and ses:ls:AseOHeeA:sAlsss:AV:AOelAes:AAs:AlVeOV:As:Oesse:slOz:sAlsss:HAlV:lss:2
    &$ inclusions AseAzVAssV:2
    ‘^from within the gemstone, sometimes a line is left through the diamond that looks much like a HOs:AAsAs:Ase:seVAsse::VseAAeV:l:AAse:AV:AeHA:AsOszss:Ase:sAlsss:AslA:AsszV:zes:AAze:l:2
    (dthread. The laser line begins at the outer edge of the diamond, and moves inward to the area where AsOels:::se:AlVeO:AAse:sesAsV:lA:Ase:szAeO:esse:sH:Ase:sAlsss::lss:sseV:AslOs:As:Ase:lOel:seOe:2
    *cthe dark inclusion was treated by the laser. These diamond flaws and inclusions are unsightly and Ase:slOz:AseAzVAss:lV:AOelAes:ss:Ase:AlVeO:::seVe:sAlsss:HAlV:lss:AseAzVAssV:lOe:zsVAssAAs:lss:i2
    +Aeasily spotted by most people, making the diamond less desirable.elVAAs:VssAAes:ss:sVA:sessAe::lzAss:Ase:sAlsss:AeVV:seVAOlsAe:-42
    2-Mineral and Crystal InclusionsAzl^zA:zzz:^l^AzA:OzlAz^Azz^-2
    O/aWhile most diamond flaws and inclusions are negative, there are instances when the diamond flaws sAAe:sVA:sAlsss:HAlV:lss:AseAzVAssV:lOe:seslAAse::AseOe:lOe:AsVAlseeV:ses:Ase:sAlsss:HAlV:2
    Y0[and inclusions are actually an eye catching aspect of your diamond! For example, diamonds lss:AseAzVAssV:lOe:leAzlAAs:ls:ese:elAesAss:lVseeA:sH:sszO:sAlsssO::sO:eslsAe::sAlsssV:2
    c1ctypically have smaller crystals inside the diamond, often so tiny they cannot be seen without some AssAelAAs:slse:VlAAeO:eOsVAlAV:AsVAse:Ase:sAlsss::sHAes:Vs:AAss:Ases:elsssA:se:Vees:AAsszA:Vse:2
    m2gsort of magnifying device. The clarity of the diamond can be effected by these crystals, if there are VsOA:sH:lssAHsAss:sesAee:::se:eAlOAAs:sH:Ase:sAlsss:els:se:eHHeeAes:ss:AseVe:eOsVAlAV::AH:AseOe:lOe:2
    w3Qenough of them and if they are all grouped together in one area of the diamond. esszss:sH:Ase:lss:AH:Ases:lOe:lAA:sOszses:AsseAseO:As:sse:lOel:sH:Ase:sAlsss:::2
    5^There are a few rare instances when another gem stone is actually inside a diamond, and could seOe:lOe:l:He:OlOe:AsVAlseeV:ses:lssAseO:se:VAsse:AV:leAzlAAs:AsVAse:l:sAlsss::lss:eszAs:2
    6fcertainly not be seen as a diamond flaw or inclusion. For example, if you had a ruby or emerald that eeOAlAsAs:ssA:se:Vees:lV:l:sAlsss:HAl:sO:AseAzVAss:::sO:eslsAe::AH:ssz:sls:l:Ozss:sO:eeOlAs:AslA:2
    7awas surrounded by a diamond, you would see that as a special piece of jewelry- not a flawed one! lV:VzOOszsses:ss:l:sAlsss::ssz:szAs:Vee:AslA:lV:l:VseeAlA:sAeee:sH::AeeAOsH:ssA:l:HAles:sseO
    602Text 2001 0
    [^`^Normal1$95678XT9;>*B*CJH*@OJQJmH nH >`> Heading 1
    <5CJ OJQJ@`@ Heading 2 <56CJOJQJ>`> Heading 3
    <5CJOJQJ    GTimes New Roman3Arial"h!0[Data 0Table4SummaryInformation((CONTENTS=WT602_WINTEXT_DOCUMENT0kSoftware6025803-S500-0E17lTBke0ld~e03O V`=/ Times New RomanArial0'J <   | lNormall  Heading 3l  Heading 2l  Heading 1<J|        <<<dh #b  `J Jh JJ J `JP `J4  J J Jp  J `J `J8JqJ J`JxJ`JtRJ J JJ8% J| J(a`J Diamond Flaws and InclusionsInternal Diamond FlawsWhen a diamond is considered to have a flaw, it is an imperfect gem stone. Something about the diamond did not form correctly, or there are tiny imperfections within the stone. Diamond flaws and inclusions are often not noticeable to the average person, and you need not worry about the small inclusions that occur in most diamonds. There are actually only very few diamonds which can be labeled perfect, and if they are placed in the category of no diamond flaws and inclusions, chances are the diamond will be extremely expensive!There are some minor inclusions which cause a diamond to appear slightly dull. The inclusion within the diamond can affect the stone's clarity because as light passes through the stone, it is intercepted by the inclusion. Many of these flaws and inclusions can be reduced or fixed with the various forms of treatment processes that gemologists and jewelers have learned to do over the years.Other diamond flaws and inclusions may be large enough to cause weakness within the gem stone, and the stone could shatter or break much more easily than a stone without the weakness. These are the flaws you want to be careful with, since they reduce the value of your stone.Pinpoint InclusionsWhen a diamond has speckles of dark crystals in groups or scattered throughout the stone, it is said to havea form of diamond flaws and inclusions called pinpoint inclusions. If the dark crystals are all clustered together in the stone, the clarity of the diamond is effected, and it appears to have a cloud inside the stone. These types of diamond flaws and inclusions may cause the diamond to be worth less, as it greatly effects the appearance.Problems from Laser TreatmentsWhen an imperfect diamond is treated with lasers to remove dark diamond flaws and inclusions from within the gemstone, sometimes a line is left through the diamond that looks much like a thread. The laser line begins at the outer edge of the diamond, and moves inward to the area where the dark inclusion was treated by the laser. These diamond flaws and inclusions are unsightly and easily spotted by most people, making the diamond less desirable.Mineral and Crystal InclusionsWhile most diamond flaws and inclusions are negative, there are instances when the diamond flaws and inclusions are actually an eye catching aspect of your diamond! For example, diamonds typically have smaller crystals inside the diamond, often so tiny they cannot be seen without some sort of magnifying device. The clarity of the diamond can be effected by these crystals, if there are enough of them and if they are all grouped together in one area of the diamond. There are a few rare instances when another gem stone is actually inside a diamond, and could certainly not be seen as a diamond flaw or inclusion. For example, if you had a ruby or emerald that was surrounded by a diamond, you would see that as a special piece of jewelry- not a flawed one!DJJ <<<dh 

  • MAKE YOUR GUESTS FEEL AT HOME

    Make your guests feel at home

    You always might’ve had problems when it came to playing host for a couple of days for some relatives or friends, which came from a different city or country. You are definitely a welcoming and warm host but you had nothing to tell or do about the space you are providing them with. You only have 2 or three rooms and if you are lucky two bathrooms after all. But you don’t need a villa to make your guests feel at home. To make their days and nights in your house as pleasant as possible, just try and follow some of the advice bellow.

    A healthy and calm sleep

    You will win the hearts of your guests with a comfortable big and soft bed. The bed is a necessary ingredient and an element on which depends the room arrangements in luxury hotels. A good night sleep makes wonders. Maybe you don’t have a special budget for this things but it is better to offer your guests the bed you would love to sleep in. A couch just doesn’t make the trick, especially if it is placed in the living room, and everybody passes through while your guests are trying to sleep.

    Invest money in quality bedroom furniture and your guests will thank you for your decision the next morning. And don’t forget about pillows! A fluffy soft pillow that sends you directly to the world of dreams is the best thing for a perfect sleep.

    The desk lamp, an important object

    Make sure there is enough light in the room you will host your guests in. Many people rather read a book before they go to sleep, so it is preferable that they have at the high end of their bed on a night stand a lamp, for reading, that can be turned on and off without having to get out of bed.

    Create a home away from home
    If your guests will stay over for more than a night, they won’t feel right without a table or a desk to write on. They might need to put order in different bills, to organize their wallet or purse, to list the details for the remaining of their trip and all these are not possible without a desk at their disposal.
    A house robe and slippers to maximum comfort!
    It is well known that when you go on a trip you rarely get to actually pack the bags properly and to get along all those things that actually make you feel at home. The robe and the slippers are in this category and they also are probably the first things you will not pack when planning a trip. So you must provide your guests with them, they need these to feel more at home.
    A bookshelf full of books
    What can be better on a trip than retrieving your calm amongst the pages of a good book? If you just finished reading an exceptional novel then you should borrow it to your guests. This is actually a very good idea, especially because your discussions about the subjects this book deals with will be fun and constructive.
    The last touch
    You cannot fail with a vase full of fresh flowers, placed right on the table in their room. You can decorate the room with seasonal flowers, your favorite flowers or your guests’ favorite flowers if you know that about them.
    A bowl of water and glasses, a radio-clock, a body lotion are useful objects that we all have on your nightstands.

  • Vitamins

    ࡱ> ;=:q` bjbjqPqP .0::xxxxDz $ hq 4   4I  ”   | `ƈUx$ _06’!@ :’!$’!$       44z        xx 
    Vitamins

    Vitamins (combination of two words: Vital Amines) are the complex organic substance essential in small quantities to the metabolism (nutrition) in most animals. These are found in minute quantities in food, in some cases are produced by the body, and are also produced synthetically. The human body needs them to work properly, so that we can grow and develop just like we should. Their deficiency results in many serious disorders.

    Vitamins are divided into two major groups: the fat-soluble vitamins designated as vitamin A, vitamin D, vitamin E, and vitamin K, and the water-soluble vitamins which include vitamin C and the group of molecules referred to as the vitamin B complex. Each of them has its own special role in the development of human body.
    Vitamin A Vitamin A, a fat-soluble vitamin, plays a really big part in eyesight and helps us to see in dim light and also at night. Vitamin A is also involved in the formation and maintenance of healthy skin, hair, and mucous membranes. In addition, it is necessary for proper bone growth, tooth development, reproduction and for the development of epithelial cells (that line any opening to the body e.g.; nose, throat, lungs, mouth, stomach, intestines and urinary tract).
    Vitamin A can be found in eggs, milk, carrots, spinach, sweet potatoes, fish oil, liver (pork, lamb, chicken, turkey or beef), butter, broccoli, apricots, nectarines, cantaloupe, and orange or yellow vegetables or fruits.
    The deficiency of vitamin A can cause two major disorders like: night blindness and drying of skin.

    Vitamin B
    Vitamin B itself is a complex of different vitamins like: B1, B2, B6, B12, niacin, folic acid, biotin and pantothenic acid. These B vitamins are very important in metabolic activity and in facilitating the red blood cell (which carry oxygen throughout your body). They also help your body make protein and energy.

    The sources of vitamin B are leafy green vegetables seafood, beans, peas, citrus fruits, whole grains (such as wheat and oats), poultry, meats, eggs and dairy products (like milk and yogurt). Some bacteria in our large intestine also prepare some type of B-vitamins.
    The deficiency of vitamin B can cause the disease Beri Beri, cracked lips, weak muscles, malformation of red blood cells, affects normal growth and disturbs the nervous system.

    Vitamin C
    Vitamin C or ascorbic acid is a water-soluble, antioxidant vitamin that is vital to the production of collagen, a protein that gives structure to bones, cartilage, muscle, and blood vessels. It is important for keeping body tissues, such as gums and muscles in good shape and it helps in quick healing of wounds. In addition, it helps protecting the fat-soluble vitamins A and E as well as fatty acids from oxidation.
    The vitamin C can be found in citrus fruits (like lemon & orange), cantaloupe, strawberries, tomatoes, broccoli, cabbage and in other fresh fruits and vegetables.
    The deficiency of vitamin C affects the healthy skin; poor wound healing and can lead to a disease called Scurvy which causes bleeding in gums, easy bruising, bumps of coiled hair on the arms and legs, pain in the joints, muscle wasting, and many other problems.

    Vitamin D Vitamin D is a fat-soluble vitamin that regulates the formation of bone and the absorption of calcium and phosphorus from the intestine. It helps to control the movement of calcium between bone and blood, and vice versa. It is this vitamin you need for strong bones and teeth. In addition it helps your body absorb the amount of calcium it needs.

    Vitamin D can be found in fish liver oil, egg yolks, milk and other dairy products fortified with vitamin D. It is also produced in our body in the presence of ultra violet light and sunlight.

    The deficiency of vitamin D can cause weak bones and bowed legs (in children). And its excess can cause loss of appetite, weight loss, nausea, headache, depression and deposits of calcium in the kidneys.

    Vitamin E Vitamin E, a fat-soluble vitamin, is essential for the inhibition of oxidation in body tissues, formation of red blood cells, and also prevents breakdown of body tissues. It maintains the body tissues and protects the lungs from becoming damaged by polluted air.
    This vitamin can be found in whole grains (such as wheat and oat), wheat germ, leafy green vegetables, sardines, egg yolks, nuts, bread, cereals and seeds.
    The deficiency of this vitamin can cause many diseases like cancer, diabetes, heart disease, and Alzheimer’s disease.
      
    1?FGO( 2 9 c i ˾}p}cVIVIchh OJQJ^JhhhYOJQJ^Jhh
    |OJQJ^Jhh]OJQJ^Jhh kOJQJ^JhhlROJQJ^JhhnhOJQJ^Jhhf(OJQJ^Jhh[OJQJ^Jhhe2OJQJ^J$hh9(5B*OJQJ^Jph33$hh5B*OJQJ^Jph33hh9(5OJQJ^J 
     
    &’1klw*+,6|gdGogdUgdU dd[$$gdUgdEgd2gd;P dd[$$gdV gdOgde2$a$gd3+ 
    
    
    
    
    
    

    *
    2
    8
    A
    L
    M
    c
    d


        3 4 [ x } 沥|o|boUhh~OJQJ^JhhrOJQJ^Jhh6EOJQJ^Jhh7OOJQJ^JhhA]6OJQJ^JhhA]60JOJQJ^JhhLrOJQJ^JhhOOJQJ^JhhUOJQJ^JhhcOJQJ^JhhEoOJQJ^Jhh]OJQJ^JhhboOJQJ^J!}   ) *
    
    ,
    t





    &’̿沥̿~mm`S`S`Dhh20JOJQJ^JhhROJQJ^JhhXuOJQJ^J!hhV B*OJQJ^Jphhh8NOJQJ^JhhOJQJ^Jhh6EOJQJ^Jhh Y*OJQJ^Jhh6OJQJ^JhhV OJQJ^Jhhw0yOJQJ^Jhh[&OJQJ^Jhh~OJQJ^JhhrOJQJ^J’0128Ddix69>C^l{ջȮծաȔȡȇzzȇmm“`hhUOJQJ^Jhh:OJQJ^JhhBOJQJ^JhhEOJQJ^JhhsXOJQJ^JhhlROJQJ^JhhKIOJQJ^Jhh8OJQJ^JhhA]6OJQJ^Jhh3OJQJ^Jhh20JOJQJ^Jhh_h0JOJQJ^J%)+vw*,56@Q]~opٿzzlz_RlDhh+BOJQJ^Jhh4OJQJ^Jhh+BOJQJ^Jhh,4VOJQJ^Jhh,4VOJQJ^JhhOJQJ^Jhh,4V0JOJQJ^JhhA]60JOJQJ^Jhh OJQJ^Jhh},GOJQJ^Jhh$OJQJ^JhhUOJQJ^Jhh[$OJQJ^JhhA]6OJQJ^J
    %IP{| ׽׽ʽʽʰt^OBhhbOJQJ^JhhA]60JOJQJ^J+hhN0J5B*OJQJ^Jph!hhTB*OJQJ^Jph!hhGBB*OJQJ^JphhhGBOJQJ^Jhh)/9OJQJ^Jhh5OJQJ^JhhGoOJQJ^JhhA]6OJQJ^Jhh^4OJQJ^Jhh+BOJQJ^Jhh cOJQJ^J|{|+ dd[$$gd(gd
    ;gd CgdxjgdNgd$ kx”9@z{|̿󲥘~qddqWGhh C5OJQJ^Jhh COJQJ^Jhh4OJQJ^Jhh2OJQJ^Jhh$OJQJ^JhhjOJQJ^Jhh&jOJQJ^Jhh <7OJQJ^JhhxjOJQJ^JhhBROJQJ^JhhOJQJ^JhhKOJQJ^Jhh8XOJQJ^JhhA]6OJQJ^J|  13GL` *+ɼɼ㼯{nahhocOJQJ^JhhboOJQJ^Jhh OJQJ^Jhh+QOJQJ^Jhh]OJQJ^Jhh<OJQJ^Jhh ;OJQJ^Jhh(OJQJ^JhhBgOJQJ^Jhh9OJQJ^Jhh OJQJ^Jhh ;5OJQJ^J,1h/ =!"#$% D@D NormalCJ_HaJmH nHsH tHDA@D Default Paragraph FontRiR  Table Normal4 l4a (k(No ListB^@B A]6 Normal (Web)dd[$$*W@* A]6Strong54U@4 A]6 Hyperlink >*ph0O”0 UOrmdd[$$0
    &’1klw* + , 6
    |

    {|+000000000000000I0I0I0I0I0I0I0I0I0I0I0I0I0I0I00 } ’|
    |link6P P  I P 3
    9k
    v6f|”P3:M>hGs0
    k!1}&y`^`CJOJQJo(^`CJOJQJo(opp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`CJOJQJo(^`CJOJQJo(opp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`o()
    ^`hH.
    pLp^p`LhH.
    @ @ ^@ `hH.
    ^`hH.
    L^`LhH.
    ^`hH.
    ^`hH.
    PLP^P`LhH.^`CJOJQJo(^`CJOJQJo(opp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`CJOJQJo(^`CJOJQJo(opp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(^`CJOJQJo(^`CJOJQJo(opp^p`CJOJQJo(@ @ ^@ `CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(^`CJOJQJo(PP^P`CJOJQJo(3:f|”
    hG!1}0
    k         yfBgC 93:V UKI+B$k C4″
    >”[$[&f( 9) Y* /,.72^45A]6 <7CA7%J87r8)/9 ;#@xD@r@FEB6E},G8NdO7O-P;P+QBRlRSTU,4VsX,!]_R]o`Vboc-=f_hxj kboLrtXuw0y0{pcGB]b2c,| ]K2['"r CR$ 6 nhdEol8#49(N GoBjDhhY cQ(E |~< _8XN0UvIX3+(wWOe24&j@|k@@UnknownGz Times New Roman5Symbol3& z ArialG5  hMS Mincho-3 fg?5 z Courier New;Wingdings"1h8/   !42QHX ?%J821Keyword = Vitamins  Keyword Phrase A, B, C, D, EARslanJeremy J. Burns$      Oh+'0 4@ ` l x4Keyword = Vitamins Keyword Phrase A, B, C, D, EARslan Normal.dotJeremy J. Burns4Microsoft Office Word@ِ@pH~ @joU՜.+,0 hp  AMAG  G 2Keyword = Vitamins Keyword Phrase A, B, C, D, E Title  !"#$%&'()+,-./013456789<Root Entry F0وU>1TableK!WordDocument.0SummaryInformation(*DocumentSummaryInformation82CompObjq
     FMicrosoft Office Word Document
    MSWordDocWord.Document.89q