Michael D. Strauss's Articles in Credit and Credit Repair

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Tri Vita Wellness

Here's To Your Health!
Here's To Your Future!
Here's To Your Financial Freedom!

10 essentials 1. Breathe Deeply – Air is the cornerstone of life. Every moment of every day your body exchanges carbon dioxide for oxygen to keep each cell in your body alive and functioning. A rich supply of oxygen can make the difference between feeling tired and stressed and youthful and focused. Take at least five deep breaths from your abdomen several times a day. Breathe Deeply – The secret to getting enough oxygen is to breathe deeply. Just follow this simple process to maximize your breathing. • Take 8-10 deep breaths in sequence, breathing in through your nose and out through your mouth. • Check that your abdomen is rising and falling with each breath. • Complete your breathing routine at least five times a day – choosing times when you feel stressed or tired will give you an instant pick-me-up!
2. Drink Water – Water is essential for everything your body does. In fact, you are more than 70 percent water! Nutrient absorption, blood flow, respiration, elimination, and your ability to see and hear require adequate consumption of pure, clean water. Your body cannot effectively store the water you need throughout the day. Drink at least eight glasses of water every day. Drink Water – The first key to getting the water you need is to find out how much your body requires. To calculate your personal water requirements: Multiply your weight by .04 and multiply that figure by 2. The answer equals the minimum number of 8-ounce glasses your body needs just to function normally.
3. Sleep Peacefully – Sleep is the only time your body has to repair and rejuvenate every organ and system in your body. Sleep deprivation causes cellular damage, and limits the production of enzymes and hormones your body needs to keep your cells healthy, and prevent premature aging. Sleep also has a powerful impact on your emotional health – it eases stress and helps you cope with the ups and downs of your day. Strive to get eight hours of sleep every night. Sleep Peacefully – Perform this simple bedroom survey to see if your room is helping or hindering your quest for a peaceful night’s sleep. • Do you need room darkening window coverings to avoid the glare of early morning light? • Does noise from other rooms or outdoors need to be minimized with better insulation or reorganization of your room? • Does your mattress and pillow promote a good night’s sleep or should they be replaced? • Do you feel calm and restful in your room, or do you need to make changes that will make it more soothing? • Do you use your room for more than rest and relaxation – do you need to relocate your computer, television, or other distractions?
4. Eat Nutritiously – Food has a powerful impact on your body. Everyday, food, in large part, determines how you feel and how your body functions. A balanced diet, rich in whole foods, combined with quality nutritional supplements created to meet your specific needs, will give you the energy you need today, and the disease-fighting strength you need to build a healthy future. Eat Nutritiously – Sometimes eating well can seem complicated – but it doesn’t have to be. Grab a dinner plate and follow these steps to a balanced meal: • Look at your plate – you will only fill the center, undecorated portion. • Divide the plate in half – fill one half with fresh fruits and vegetables. • Divide the remaining half into two equal sections, and place lean meat or fish in one section, and a high-fiber carbohydrate in the other – now you have a balanced meal!
5. Enjoy Activity – Your body was created to move – and move often. Activity increases your circulation, speeding oxygen, nutrients and water to your cells. Your Lymphatic System requires activity to purge your body of deadly toxins. Activity also triggers your brain to release health-giving hormones and enzymes that lift your spirit while they bolster your immune system. A small investment in daily moderate activity will enable you to reap tremendous health benefits. Enjoy Activity – Make a goal to walk more every day. Walking for just 10 minutes has been shown to have a positive impact on your health. • Park as far from the door as possible. • Take a walking break instead of a coffee break. • Take the stairs instead of the elevator. • Put walking before television or other sedentary activities.
6. Give and Receive Love – As you give and receive love, freely and generously, you will be blessed with meaningful, lifelong relationships and cherished memories that will bring joy in happy times, and strength and peace in difficult times. Give and Receive Love – Pick out a “Person of the Week” and express your love for them every day – be specific – let them know why you love them.
7. Be Forgiving – By forgiving yourself and others of past and present mistakes, real or perceived, you will gain freedom from negativity and guilt that will strengthen you and those you love. Be Forgiving – Each day this week before going to bed, make a point to consciously forgive anyone who has offended you.
8. Practice Gratitude – Sincere gratitude will lift and inspire you. Recognizing and appreciating all you have empowers you to find and express true joy. Practice Gratitude – The simple act of writing down the people, things and blessings you are grateful for will change your life. Create a gratitude journal and make an entry in it every day.
9. Develop Acceptance – When you develop the ability to identify and accept the circumstances in your life you cannot change, yet strive to make positive changes whenever and wherever you can, you will discover lasting peace and hope. Develop Acceptance – Make a goal to focus on positive changes in yourself and others – avoid dwelling on, or pointing out shortcomings in yourself or others. Celebrate even small successes by those you care about.
10. Develop a Relationship with God – You build a relationship with God in the same way you build a relationship with those around you – through sharing and listening. By offering a simple prayer daily, you will enjoy a sense of well-being you will not experience any other way. Develop a Relationship with God – Take at least 15 minutes each day to spend in prayer, meditation, and inspirational reading. Make this a time to concentrate on the areas in your life where you most need Divine help. Seek out Divine comfort and direction every day. You are a complex, unique combination of physical, emotional and spiritual qualities. By discovering and applying the 10 Essentials, you can develop habits and attitudes that will increase your energy and help you get the most out of life. Congratulations on taking your first steps toward vibrant health & energy! http://offto.net/Tri_Vita

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Michael D. Strauss's Articles in Credit and Credit Repair

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Discovering The Advantages Of A Payday Loan Payday loans can offer fast and easy access to much needed cash. They are not without their problems and costs, but they can offer real advantages too. How Exactly Do Online Payday Loans Work? While expensive, an online payday loan can be of real use when funds are short at the end of a month. How do they work, and who can apply? About Personal Credit Lines A personal credit line is a type of finance which is useful for borrowing smaller amounts. However, it doesn't come without cost, so you need to know how they work to make the most of them. The Severe Drawbacks of Payday Loans Payday loans are often touted as an easy solution to financial problems - they're not! Although they have a place in the financial services industry, they can have severe drawbacks if not used very carefully. Introducing Credit Cards Specifically For Small Businesses Although they operate on the same basic principle, small business credit cards offer distinct advantages over personal cards for entrepreneurs. Find out the differences and how they could benefit you. Homeowner Loan Opportunities For People With Bad Credit High levels of consumer debt coupled with a worsening economy mean that more and more people are picking up a bad credit rating. However, homeowner loans could give you the opportunity to halt the slide and get your finances back on track - even with poor credit. Homeowner Loans Offer Significant Advantages - And Risk Homeowner loans are often cheaper and easier to be approved for than unsecured finance, which has lead to them becoming so popular. There is however the risk of property loss involved, and this needs to be balanced against the advantages when making the decision to apply. The Different Kinds Of Loans Available There are many options available to people looking for credit. What are the major kinds of loan available, and what would you use them for? Are Payday Advances Worth The Effort? Payday loans are often touted as a solution for your money troubles, but they're expensive and can actually make matters worse. Are they worth the effort and risk involved? Credit Cards Can Help Establish Your Credit Worthiness Credit worthiness is a very valuable aspect of your life and will have strong affects on your future. Find out how using credit cards can influence it to the good. Grab a Slice of the Cash Back Action Cash back credit cards are one of the latest and most popular crazes to sweep the personal finance industry. Find out why you should grab a slice of the action too. Secured Consolidation Loans - Useful But Not Perfect Secured loans are often presented as the ideal answer to all sorts of financial problems. Unfortunately, while they can be extremely useful, they also have dangers which need serious consideration. Credit Rating Recovery After Debt Consolidation Many people suffer damage to their credit ratings before deciding to take out a debt consolidation loan. What's the best way to clear this damage up? Why Can't I Get a New Credit Card? After enjoying years of easy access to credit, many people are now finding their applications are being denied. Why is this, and can anything be done? Getting Free Credit Reports Your credit rating is a valuable asset which you need to keep an eye on. Did you know that you can get three free credit reports every year? What You Should Know About Getting Debt Help Levels of debt are reaching epic proportions. Why is this, and what can you do to get yourself out of trouble? The Seven Deadly Sins Of Credit Card Use Credit cards are a very convenient part of modern life, but can lead to trouble if not used carefully. Find out the seven biggest mistakes to avoid. Effective Use of Credit Card Balance Transfers Using a credit card balance transfer facility is not as popular as it once was, but it can still be a very effective way to handle debts. Find out how to make the most of this useful feature. An Introduction to Loan Repayment Holidays Loans offering a repayment holiday facility are becoming increasingly popular. What exactly does this feature offer, and who can benefit? The Bare Minimum You Should Expect From A Credit Card The credit card has over the years evolved into a complex beast, with many often conflicting features to consider before applying. Before comparing the extras tacked on to a card, you need to make sure the basics are right if you're going to get a good deal. Keeping Track Of Your Credit Card APR Your credit card's APR determines how expensive it is to use your card, and is one of the most important things to consider when comparing new cards. However, existing cardholders need to keep an eye on their APRs too. Choosing Between Cash Back Or Rewards Credit Cards These days, more and more credit cards are offering enticements to spend more in the shape of cash back and rewards programs. Which version is right for you? Is It Worth Applying For A Platinum Credit Card? There are many things to consider when applying for a credit card, but is being a status symbol one of them? Read why applying for a platinum credit card might not be the best course of action. How Debt Consolidation Can Go Wrong Consolidation can be a powerful tool for getting in control of your debts, but can also be dangerous if done badly. Find out the pitfalls to avoid when consolidating your debts. Staying Out Of Trouble With Your Credit Card While credit cards can certainly be convenient and useful, they can also pose dangers to your financial wellbeing. Following a few simple rules, however, will keep you out of trouble. The True Cost Of Late Credit Card Repayments Despite the recent reductions in the amount you're charged for making a late payment on your credit card, it's still best to avoid it when you can. Find out why there's more than a simple fee involved. Getting The Most Benefit From Your Rewards Credit Card Credit cards with a rewards program can be a very valuable way of profiting from your everyday spending, but to get the best out of them you need to use them wisely. Find out how to maximize the benefits you'll get. Credit Cards And Your Credit Score Your credit rating is the major factor in deciding what kind of credit card is worth applying for. Find out what you can expect at different levels of credit scoring. Benefits Of A Business Credit Card Running a business means that there are dozens of things competing for your time, and so anything you can do to streamline your operation is to be welcomed. Find out how taking out a business credit card can improve the financial side of your enterprise. Credit Card Basics Applying for a credit card is a common online activity, but how can you decide which one to go for? Understanding the basics will go a long way in helping you to reach your decision. Is It Time To Upgrade Your Credit Card? If you've been using the same credit card for several years, you could well be missing out. Competition in the credit card industry over the years has delivered more and more benefits for cardholders. Is it time you upgraded to a better deal? Balance Transfers Plus A Savings Account Equals Easy Cash The practice of shifting debt from one credit card to another to take advantage of 0% balance transfer deals isn't as popular as it once was, but a related activity is still alive and well. Find out how balance transfers could actually make you money for nothing. Does Your Credit Card Pay Its Way? Most people by now aware of the potential dangers of credit cards in that it's all to easy to run up excessive debts. However, not as many people realise that using a credit card can actually be a profitable activity. What Does The Credit Crunch Mean For Personal Loans? You've doubtless seen the media coverage of the so-called credit crunch that has had the economists and bankers growing increasingly worried recently. However, it's not just an issue affecting the arcane world of high finance, it will have consequences for those wishing to take out a personal loan, too. The Basics Behind Personal Loans Are you properly prepared to make a loan application? There are certain basics you need to know about before plumping for the perfect loan deal. Clearing Up Credit Card Jargon Credit card companies are almost gleeful in the amount of jargon they use, rarely using a simple word when a few obscure ones will do. Find out what some of the most common terms mean, and how they affect your choices when applying for a new card. Three Reasons To Check Your Credit Card Statement Opening and reading your credit card statements every month can easily be neglected in favour of other more interesting activities, but this could be a mistake. Read the three reasons you should stay on top of your statements. Are Balance Transfers Still Worthwhile? The introduction of credit card balance transfer fees has taken a lot of the steam out of the activity known as card surfing, as it is no longer possible to move debt around for free. But does this mean that transfers are no longer worthwhile? How Credit Scoring and Loans Interact Your credit score is one of the most important factors in getting approved for a loan. How is it calculated, and how does it affect your application? Do You Really Need A Secured Loan? You might not always know it from the bright and breezy TV adverts, but a secured loan is a very serious financial commitment, potentially putting your home at risk. Before applying, it's a good idea to ask yourself whether an alternative is a better option. Enjoying the Benefits of a Prepaid Credit Card Prepaid cards are an increasingly popular kind of payment method. But why might you choose one over a normal credit card? Do You Really Need A Credit Card? What can you do if you want the convenience of a credit card without the risk of running up debts? There are three main alternatives you should consider.

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