The Abomination of Desolation

By Anthony Smith The abomination of Desolation.
There is a misconception of the prophecy's of Christ, Daniel, Isaiah, and Ezekiel concerning the time of the abomination of desolation. There have been many desolations and times of desolation in Israel. Many of these caused much hardships and even death to the House of Israel. The Babylonian Captivity, Jer 25:11 And this whole land shall be a desolation, and an astonishment; and these nations shall serve the king of Babylon seventy years.
Jer 44:22 So that the LORD could no longer bear, because of the evil of your doings, and because of the abominations which ye have committed; therefore is your land a desolation, and an astonishment, and a curse, without an inhabitant, as at this day. Ezr 9:7 Since the days of our fathers have we been in a great trespass unto this day; and for our iniquities have we, our kings, and our priests, been delivered into the hand of the kings of the lands, to the sword, to captivity, and to a spoil, and to confusion of face, as it is this day. The House of Israel has rejected Christ as the Messiah and are still under the law to a point. The Daily sacrifices have been put aside because of the natural law of man, but they justify this by the verse, Obedience is better than Sacrifice. This will end in the days of the anti-Christ, which will allow the renewing of the Red Heifer Sacrifices within the 3rd temple. Which I must say that many scholars do not believe in.
Dan 12:11 And from the time that the daily sacrifice shall be taken away, and the abomination that maketh desolate set up, there shall be a thousand two hundred and ninety days.
What we are going to look deeper at is the end days.
Jewish 76.4%, Muslim 16%, Arab Christians 1.7%, other Christian 0.4%, Druze 1.6%, unspecified 3.9% (2004)(C.I.A. World Fact Book) The abomination of desolation.
The Daily sacrifices and The abomination of desolation, as spoken of by Daniel, is a subject of much controversy among many bible Scholars. There are those that teach that these two events have already taken place in the Days of Caesar,as many are teaching. This prophecy has nothing to do with, Rome nor Caesar. Prophecy must be looked at very carefully and be regarded by not single events, but as a string or combination of events. Those things spoken of the abomination of desolation and the third temple are future events backed up by Scripture. Israel is not allowed by natural or should I say mans law, to accomplish animal sacrifices. This interpretation from T.S.K. Is one that I disagree with, take a look;
the abomination: Heb. to set up the abomination, etc. Probably Mohammedanism, which sprang up in power the same year as the papal, ad 606; and 1,290 years from that time will be ad 1896, and 1,335 years ad 1941. The abomination of desolation will be a statue of the anti-Christ that will be placed inside the third temple. Many scripture back this up. This attempt to work time and dates to justify interpretation is not the way to interpret scripture, many try to look at past events and match Bible prophecy to it, this is a grave mistake and leads to faulty or false interpretations.
Mar 13:14 But when ye shall see the abomination of desolation, spoken of by Daniel the prophet, standing where it ought not, (let him that readeth understand,) then let them that be in Judaea flee to the mountains:
Isa 28:22 Now therefore be ye not mockers, lest your bands be made strong: for I have heard from the Lord GOD of hosts a consumption, even determined upon the whole earth. The best reference to this is in Revelations 19:20; And the beast was taken, and with him the false prophet that wrought miracles before him, with which he deceived them that had received the mark of the beast, and them that worshipped his image. These both were cast alive into a lake of fire burning with brimstone. This is the abomination of desolation as the end of the anti-Christ; read and understand, them that worshipped his image.
Mohammedanism(Islam) is not older than Christianity nor the Jewish religion, but it will play and important part in the desolation of Israel as spoken of by Christ.
Therefore, Rameses, nor the Caesars of Rome, have not fulfilled prophecy of the end days. Many use this part of Mark 13:14, to justify calling Caesar the anti-Christ for He had an image of Himself constructed and forced many to worship his image as God, but there were Kings before and after that have done the same thing. Dan 3:14 Nebuchadnezzar spake and said unto them, Is it true, O Shadrach, Meshach, and Abednego, do not ye serve my gods, nor worship the golden image which I have set up? But when ye shall see the abomination of desolation, spoken of by Daniel the prophet, standing where it ought not;, The point of the matter with all these false god images is that they never fulfilled the prophecy's of the end days such as these; Rev 13:13-14; And he doeth great wonders, so that he maketh fire come down from heaven on the earth in the sight of men,
And deceiveth them that dwell on the earth by the means of those miracles which he had power to do in the sight of the beast; saying to them that dwell on the earth, that they should make an image to the beast, which had the wound by a sword, and did live.
Rev 13:15 And he had power to give life unto the image of the beast, that the image of the beast should both speak, and cause that as many as would not worship the image of the beast should be killed. Dan 7:25-26; And he shall speak great words against the most High, and shall wear out the saints of the most High, and think to change times and laws: and they shall be given into his hand until a time and times and the dividing of time.
But the judgment shall sit, and they shall take away his dominion, to consume and to destroy it unto the end. 2Th 2:9-10; Even him, whose coming is after the working of Satan with all power and signs and lying wonders,
And with all deceivableness of unrighteousness in them that perish; because they received not the love of the truth, that they might be saved. What Caesar never fulfilled is this verse of prophecy; Dan 9:27; And he(The Anti-Christ.) shall confirm the covenant with many for one week: and in the midst of the week he shall cause the sacrifice and the oblation to cease, and for the overspreading of abominations he shall make it desolate, even until the consummation, and that determined shall be poured upon the desolate.
Also this verse was not fulfilled by any King yet; Mat 24:15 When ye therefore shall see the abomination of desolation, spoken of by Daniel the prophet, stand in the holy place, (whoso readeth, let him understand:) Key words here; the abomination of desolation (Image)stand in the holy place.
Luke 21:32; Verily I say unto you, This generation shall not pass away, till all be fulfilled. This study is just the tip of the Prophecy of the abomination of desolation.
ars. Temple of Spirit & Truth Ministries
A.R.Smith Ministries
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Finding Your True Love: The 5 Essential Keys To Discovering The Love Of Your Life

By Cucan Pemo We all want to have the fairy tale. This would include finding the one person that we can spend the rest of our life with and live happily ever after. It is possible to find someone that we love and care about and not have to move mountains to do it. You can discover the love of your life and have the perfect ending that you have always dreamed about. Love starts from inside you and then it will grow out to others. We all want to find that one person that we can extend our love to and have a happy life with. It is not always easy to do this, but we have to remain confident that we will find someone to make our life better and to make it well worth the sacrifices that we make on a daily basis for him or her. 1) Attitude may need adjusted If you are looking hard for that one person that is your destiny and you are having no luck, you may have re-examine your own outlook on life. How are you acting towards other people? Does your attitude need adjusted? Are you making a good appearance on those that you meet or are you scaring them away? You have to sit down and think about how you treat others and if it is acceptable. If you are not so sure, you may need to figure out a plan to change the way that you act towards others. 2) Do you believe that you are lovable? When you are looking for the person to spend your life with, you will want to have someone that can love you for who you are. The main thing that you need to know is if you are happy with who you are and what you are? You need to understand that you are a person that deserves to be loved. There are many circumstances that occur during one's life and it may lead them to believe that they cannot be loved. However this is not true. You deserve to find the one true love that will be there for you no matter what. You have to know in your heart that you are special and that it will happen for you. 3) Do you deserve to be loved? This is another question that most struggle with. Everyone deserves to be happy and to find true love. It would be a sad world without the one major emotion that can tie people together forever. This emotion is of course love. We have to have it and everyone needs to recognize the fact that the deserve it and have to want it in their life. When you are ready to face the fact that you deserve to be happy, you can then go out on your quest to find a partner that will make your life what it should be. You can then think about being happy forever and having the love of your life. 4) Change the negative to positive Humans need to know that they have to find a way to be happy. They have to accept the fact that being negative is only going to make things worse. When you are serious about discovering the love of your life, you need to sit back and think about the positive things that they have brought to your life. You have to think about how happy you are and what you are feeling right now. Once you have these feelings inside you, there is nothing that can stop your love from taking over. You can find the person that makes the negative go away and brings the good and positive feelings back where they belong. 5) Take charge of your life Being in control of your own life is the most important step in discovering a love. You have to be ready to take on the things that can happen and accept them. You need to know when you have to be stronger and move on. Your gut feelings are something that is going to be there no matter what and you should use this as a method of support to help you find your way to being loved and having the best love ever. Before you find your prince, you have to be ready and willing to receive him into your life. You need to discover the person for who they are and want them to be something special to you. Take charge of yourself and give off the best positive attitude that you can and you will see that you are valuable to someone else and that you can have the fairy tale that you have been waiting for. You can save your relationship and get your ex back with my amazing strategy, no matter how stubborn the resistance, no matter how difficult your relationship is! Download free special report and read rave reviews from thousands of satisfied readers all over the world! Article Source: http://EzineArticles.com/?expert=Cucan_Pemo http://EzineArticles.com/?Finding-Your-True-Love:-The-5-Essential-Keys-To-Discovering-The-Love-Of-Your-Life&id=461919 phentermine with online consultation
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How To Wipeout Cushing's Disease

By [http://ezinearticles.com/?expert=Nicholas_Jones] Nicholas Jones Cushing's Syndrome is a disease caused by an excess of cortisol production or by excessive use of cortisol or other similar steroid (glucocorticoid) hormones. With advances in science, new products are being developed each year, such as an all natural product called Seratrin, which provides daily dietary management of cushings disease or cushings syndrome. Cortisol is a normal hormone produced in the outer portion, or cortex, of the adrenal glands, located above each kidney. The normal function of cortisol is to help the body respond to stress and change. It mobilizes nutrients, modifies the body's response to inflammation, stimulates the liver to raise the blood sugar, and it helps control the amount of water in the body. When too much cortisol is produced in the adrenal glands, or an excess is taken in treating other diseases, significant changes occur in all of the tissues and organs of the body. All of these effects together are called Cushing's Syndrome. Cushing's disease is the name given to a type of Cushing's Syndrome caused by too much ACTH production in the pituitary. Dr. Harvey Cushing first described a woman with signs and symptoms of this disease in 1912, and in 1932 he was able to link the adrenal overproduction of cortisol to an abnormality in the pituitary. Cushing's disease or cushing's syndrome is a disease that many health professionals are still learning about, but with advances in technology, alternative treatments have proven to work best for suffers of the disease. Nicholas Jones is an alternative medicine expert and medical writer. For more information about treatments of cushings disease such as Seratrin, visit: [http://www.seratrin.com/] http://www.seratrin.com/ Article Source: [http://ezinearticles.com/?expert=Nicholas_Jones ] http://EzineArticles.com/?expert=Nicholas_Jones [http://ezinearticles.com/?How-To-Wipeout-Cushings-Disease&id=495878 ] http://EzineArticles.com/?How-To-Wipeout-Cushings-Disease&id=495878 phentermine online perscriptions
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The Resurrection is Past Already? 2 Timothy 2: 16 - 18, Part 3 of 4

By William Bell, Jr. Next, to argue that the resurrection was past already, as we have seen above separates this doctrine from that of the apostles. More particularly, it severs resurrection from the atoning work of Christ. Jesus was raised as the firstfruits. But now is Christ risen from the dead and has become the firstfruits of them that slept, (1 Corinthians 15:20). This means that he was the beginning of the resurrection. Moreover, it meant that the last days' resurrection had begun in him. For as in Adam all die, even so in Christ all shall be made alive, (15: 22) However, the resurrection which Paul affirmed in Christ would consummate at the time called the end, which time equates with the A.D. 70 destruction of Jerusalem. See Matthew 24:14, 34. The end is the fall of the Jewish temple at the end of the age in 70 A.D. Paul and his readers saw the end of the ages coming in their day, (1 Corinthians 10:11). Since the doctrine of Hymanaeus and Philetus taught that the resurrection was complete before the end of the age, therefore before the temple was destroyed, they were giving the Jews of the first century a false hope in the continuation of the temple ministry, the law and the sacrificial system of the old covenant priesthood. This would lead, not only to the overthrow of the faith of Christians but to the destruction of many unbelieving Jews, who would not recognize that God would destroy the temple, (Acts 6:14). Such denial of Jesus parousia and the overthrow of the temple in 70 A.D. opened the door for false messianic hopes of deliverance by the Jews, (well documented in the first century in biblical and non-biblical sources) causing hundreds of thousands of Jews to perish in the siege. (See Josephus, Wars of the Jews). This delusion continues to this day among evangelicals, Zionists and Jews in support of modern day Israel, who deny the scriptures and foolishly look for another Jesus to save them from their colossal error by setting up camp in a land for which they now have no covenantal right. Therefore, to argue for a resurrection already past, circumvents the work of Christ as the firstfruits, and attributes the resurrection to some power and authority outside of him. (Compare 1 Corinthians 6:14). Early on in the ministry of the apostles, they got into big trouble with the government and powers that be of Judaism, (the priests and the Sanhedrin council) because they preached in Jesus, the resurrection out from among the dead. (Acts 4:1, 2) For this, they were apprehended and jailed. (see part 4) William Bell, Jr., is a popular speaker on Covenant Eschatology and the author of the book, The Re-Examination, a study of the last days, the coming of Christ. Visit his website at http://www.allthingsfulfilled.com
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Travel Writer Jobs, What Are They And How To Find Them

By Niall Cinneide Travel writing jobs are few and far between. Getting into this field is hard to do and requires a lot of training and experience. But, there are many benefits to them. There are many individuals who would love to get employment opportunities in this field. And, because the world is faster and faster becoming accessible to more people, increasing employment availability can be found for travel jobs as well. But, how does a person get in and how do they do their job? Travel writer jobs belong mainly to freelance authors, travelling far and wide. They learn about the amusements, the attractions, and the little secrets of the towns, cities, and countries they visit. Then, they provide this knowledge to the general public in the form of articles, books, or even transcriptions. It is amazing that many people go from location to location by simply learning about different areas and using this knowledge to write. But, this work is far from easy. It may be costly to afford to do this type of traveling. It often does not pan out as a worthwhile adventure anyway. It is often difficult to find publishers or employment vacancies in this area as well. To get these types of jobs, it will often take experience in the writing field and the researching field. Freelance opportunities, in which the author will visit locations at his own expense, are necessary. In other, simpler cases, a breakthrough into the business can be done by working for the local newspaper or through a magazine. In any case, though, it will require time to develop the necessary knowledge. When looking for vacancies like these, it would be wise to realize that it will take time to build up the reputation needed to get these opportunities. Perhaps working on less glamorous writing jobs will have to be taken in order to have stepping stones out into the travel writing world. If you have the funds and the talent it is easy to go out and find locations to write about without being commissioned to do so. But, there is no guarantee of any of this type of work paying off. Patience may be the only way to get into and maintain a career in this field of writing. Visit http://www.FreelanceWritingResource.com for more Articles, Resources, News and Advice about Freelance Writing Jobs.
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Student Loans, the Benefits and the Pitfalls

By [http://ezinearticles.com/?expert=Tyson_J_Stevenson]Tyson J Stevenson Student loans are provided to students to help them in paying tuition fees. Interest rates are significantly lower for student loans than other loans, and often issued by the government. In some cases, a student loan is the single means by which a person will be able to pay for college education. Therefore, it's easy to realize the importance of getting a decent & competitive student loan. If you are planning for advanced studies or to go to college, and want to apply for a student loan, you must do a bit of research work. There are some guidelines and pointers you should always keep in mind. Some points are discussed here. With these points in your mind you can choose a better loan and assure your application for approval. 1. When you are going to apply for a loan you should bring all the necessary documents with you, containing information about your financial status. In some cases financial status of your parents and income proof can play an important role in decisions regarding your student loan. Lenders will surely ask for these documents if you are still living with your parent. 2. For better loan options you can even contact your high schools financial aid office. The staff of the financial aid office are specially trained to help you in deciding on the best loan options. Collect information from there and then decide which will best suit you. 3. Before applying for a loan you must know your tuition fee per semester or per year, expenditure on books and other expenses. Establish a budget for yourself. Do not underestimate this, it's crucial to having an enjoyable experience. Being "broke" all the time makes for a long year! 4. If you are planning to live in a campus provided by the institution, you must know about the dorm fees and charges for each semester. In most of cases you can even add campus living charges in your request for your loan. Many students use student loans to pay their off campus expenses as well. While funding your other expenses you should keep in mind the rules and regulations of student loans. 5. If you are an honors scholar you should apply for a scholarship program before applying for a student loan. It will make your student life easy. 6. While looking for a student loan you should honestly assess your income sources during your school life and after school. Many students end up their school life buried in debts provided by loan programs. Hence, be sure that what will you actually need in student loan financing, by doing so you will be in a fine position in coming life. While calculating your available funds, do not forget to consider any financial contribution from your parents for your education. If you are qualified for any educational grant or scholarship program, it will be a plus for you. In this case you should reduce your request for student loan to keep your financial position sound in student life and after that. By following these guidelines, it will be easy for you to choose a better student loan and be in a position to refund the loan after your education. Tyson J Stevenson writes on a wide variety of financial subjects,most often with valuable news & reviews. Expect to see his name often. A related resource is [http://compare-student-loan.info]Compare College Student Loans Further information can be found at [http://news2review.com]News2Reviews Article Source: http://EzineArticles.com/?expert=Tyson_J_Stevenson http://EzineArticles.com/?Student-Loans,-the-Benefits-and-the-Pitfalls&id=167086 viagra comparison prices online
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Helpful Advice for Achieving Quick Weight Loss

By Morgan Hamilton Have you ever tried to go on a quick weight loss diet? There are a lot of quick weight loss diets out there, but Im not really sure if they are effective. I have heard rumors that these diets can be hazardous on the persons health. I also want to find out if the weight loss really last and if the diet wears off quickly. Many female celebrities are capable of being in pre-baby shape within weeks of giving birth. Perhaps they go on a quick weight loss diet in order to loss a lot of pounds in a short period of time. Some actors are also capable of gaining and losing weight quickly to play particular roles. Maybe they also use some kind of quick weight loss diet to play emaciated characters such as those who are depicting concentration camp victims. It would be nice if we can figure out the kind of quick weight loss diet that these celebrities use. I think that it is important to determine whether a weight loss diet is really safe. After all, losing weight while endangering your health is not worth it. I have experimented, read, and studied these diets because I was as an overweight child, teen, and adult. I have to say that I have been alarmed by the negative effects of weight loss mentality, habit and practice. In my desire to become slimmer, I have fainted, had heart palpitations, and even accidentally overdosed on weight loss pills. Some of my friends became anemic, developed severe headaches, and had be incubated to gain nourishment after having underestimated the dangers of the quick weight loss diet world. The celebrities who easily gain and lose weight may not be doing it for long term purposes. I dont think that an actor will go on a quick weight loss diet when he is not working on a role that requires their changing their natural weight. They use healthy food plans and exercise to stay in shape. They go on a diet that is a structured menu of healthy foods that include grains, dairy, protein, nuts, and fruits and vegetables. Maybe we should learn from them and realize that our general health should never be sacrificed in favor of losing weight. Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Quick Weight Loss. Visit our site for more helpful information about Quick Weight Loss and other similar topics. Article Source: http://EzineArticles.com/?expert=Morgan_Hamilton http://EzineArticles.com/?Helpful-Advice-for-Achieving-Quick-Weight-Loss&id=432742 online pharmacy prescription viagra
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A Healthy Way to be Sick

By Marc Lerner A person who deals with a physical condition that is beyond their control has to accept an inner depth, which is uncommon in society. If all we do is try to fit into society, we ignore the unique opportunity our illness offers. Our illness forces us beyond the socially accepted depth and allows us an inner exploration most people ignore. I am partially blind, so it is hard for me to see my outer world. This forces me to look within and explore parts of myself that are not a normal part of society. I am legally blind looking outside of myself, but most people are "legally blind" looking within. If I had to choose which was worst, inner blindness would be my choice. I believe it is the cause of most of our suffering. I have had multiple sclerosis since 1981 and I have tried every possible cure that came my way. I am on a weekly shot medication today, but I have tried several diets. I do acupuncture and massage treatments regularly and I have done several alternative treatments including Bee venom and purification methods. I benefited from these treatments; but I am still legally blind with several other symptoms of multiple sclerosis. Looking Within Over the decades of making serious efforts to heal myself using everything that held promise, I learned a beautiful lesson. No matter who you are or what condition you are in, the silence beyond our thinking mind is an amazing resource for fulfillment. Becoming aware of that resource is what I call "a healthy way to be sick." That silence is free from disturbing thoughts and fears, giving you a shelter where you are free from your illness and the struggle you are in. It is at that depth the Wisdom of your Body responds to your medication without the distractions from your thinking mind. Even when you are dealing with a chronic illness, like multiple sclerosis, there is an inner peace at that depth. In my condition, if I was to limit my focus to my superficial thinking mind, I would easily become depressed. I am forced to go deeper. Once I was asked "how do we create the ideal state of mind?" My answer was: Take away everything that isn't the Ideal State of Mind. When imperfection is removed, we have what existed before we were messed up. In other words, deep within all of us is a wisdom that may not be perfect, but is free to change and evolve. The real task we all face is to learn how can we return to that ideal state of mind. When we rely on the wisdom of the body, we learn to accept the beauty of life. Our illness or disability may limit us as we adapt to society, but that same situation has the power to force us into a wonderful self-acceptance and that is what I think is a healthy way to be sick. From that state of mind you create an inner healing environment, where you become an active partner with your doctor. Use your thinking mind to uplift your spirits and work with your doctor and medical team. Your thoughts were not created to depress you or limit you in any way. Thinking, like the clothes you wear can be put on or taken off. Dress up to meet the incredible challenge where you consciously participate in healing. Don't go shabby to an event that is so significant. Copyright 2005 Marc A. Lerner Marc Lerner is the President of Life Skills Inc. and the author of The Life Skills Approach. He lectures frequently to patients in a health crisis and those undergoing emotional trauma, to help them harness inner resources to overcome these obstacles. For more information and a free e-book, please visit http://www.lifeskillsinc.com Article Source: http://EzineArticles.com/?expert=Marc_Lerner http://EzineArticles.com/?A-Healthy-Way-to-be-Sick&id=146010 2000 cheap daily feb statistics viagra
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Enough About Me Let's Talk About YOU?

By Craig Valine One of the biggest marketing mistakes I see constantly, in the newspaper, on the web, within
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self-serving tone. Why would I do business with someone that doesn't care enough to learn more about my needs,
wants, and desires? This business was too busy telling me about them and not enough about the customer. Theyre not alone, however. Almost every direct mail piece I receive in the mail is filled with "I", "me," "our," and "we." Now, it's really not all that practical to write a letter without saying "I," "we," or "our" - but you
should certainly have the word "YOU" 5 or 6 six times for every reference to "us" or "my" company. Here are some examples of how you can easily change the way you present yourself from a "ME"
mentality to a "YOU" attitude." Instead of: I am pleased to tell you..."
==> Say: "You will be pleased to discover..." Instead of: "Our staff is experienced..."
==> Say: "Your will be handled by qualified, experienced people who can answer just about any
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==> Say: "You will love the XR250 model or you will receive double your money back!" Does the wording make more sense? When you write a sales letter, copy for a website or email, put yourself in the mindset of the reader of
your letter. You should constantly say to yourself: "If I were the customer, why would I be interested in this? It's the oldest lesson in sales. Maybe you've heard it this way: "What's the radio station everyone
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of my teachers. After writing your copy, go back and highlight each-and-every "I," "we," "our," and "us." Then, re-write
each sentence with a "you attitude." Let your prospects know you care about their interests. Speak in terms of the benefits they will receive. Tell them what is in it for them. They do not and will not care about you, until they know how much you care about them. 2001 By Craig Valine ABOUT THE AUTHOR: Craig Valine is a Marketing Performance Coach Who Helps Independent
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How To Bring Intimacy Back Into Your Marriage

By Angie Lewis Everyday my husband and I will take a long walk together, alone, away from the children, and with no distractions of any kind whatsoever. I call these walks together special time. We do this because we dont want to lose touch with each other; we want to remain close. I believe all couples should dedicate themselves to having special time with their spouse one hour each day. You dont have to take walks to enjoy special time. You might want to meet somewhere, for instance. That meeting might be in a caf or on a park bench. It doesnt matter where you are when you have special time, what does matter is that you make special time an intimate moment for the both of you. It is so easy to lose touch with the person we married. Dont let that happen to you and your spouse. Let us consider how we may spur one another on toward love and good deeds.
(Hebrews 10:24) Make special time with your spouse extra loving and intimate by giving all of yourself to the person you married - be appreciative of who they are to you in the marriage. When was the last time you complimented your spouse? Let them know how much you care. It is so easy to be negative with your spouse when you do the same mundane schedule day after day. Why do we get negative? Because of the redundancy of marriage, doing the same thing all the time leads us to look at our spouse with the same boredom and negativity that we are feeling. A great relationship requires intimate moments. And those moments need your full attention and compassion. If something else is engrossing your mind, then your spouse will not get the attention they deserve. Your spouse deserves to be treated with kindness and forgiveness everyday, not just when you feel like it. What can special time do for your marriage? It can make it more alive, romantic, intimate, and loving. Special time is a good time to share feelings with each other and communicate productively; talk about issues that are troubling you, or new things you would like to share. Be there for each other! Be supportive of each others needs! Carry each others burdens, and in this way you will fulfill the law of Christ.
(Galatians 6:2) Special time together is not having sex. It can, of course, lead up to sex eventually, but special time is mostly for talking and just listening to one another as you each share a little bit of yourself with each other. Special time is not talking about the kids, school, work, housecleaning, finances or any other everyday duty and chore that can take you away from each other in the communication. It is for intimacy and closeness, but without actually having sex. In other words, your objective during special time is to only talk about each other and what you would like to do for each other. Keep the conversation geared toward wanting to understand and appreciate the person you married. How can you do that? Listen to their feelings and what they have to say. Really listen to them. When it is your time to talk, by all means, share a part of yourself, maybe how you feel about a certain issue, and go from there. This is what intimacy is all about. You cannot really feel intimate with someone who only wants sex. Or who keeps their feelings and thoughts inside of themselves. How intimate is that? All it takes is one hour of your loving devotion everyday to make an ordinary marriage extraordinary. ~~~ Enjoy life with your wife, whom you love, all the days of this meaningless life that God has given you under the sun all your meaningless days. For this is your lot in life and in your toilsome labor under the sun. (Ecclesiastes 9:9) Angie Lewis is the author of three marriage books offering marriage enlightenment tips and wisdom filled answers tackling such issues as adultery, pornography, emotions, beliefs, feelings, marriage, children, forgiveness, communication, submission and spiritual influence in the home. Love The Man You Married is a great teaching tool that every Christian wife and husband should read. ISBN: 1411677501 Journey on the Roads Less Traveled is a book that will challenge the reader to go a step further in their faith and beliefs by helping them to identify with all the aspects of their character, namely the spiritual element of who they are and can become. This is Angies personal testimony of overcoming addiction and resentment in marriage. Very inspirational book! ISBN: 1413788904 Besides writing for her own marriage ministry, Angie also writes the marriage columns for two online Christian Magazines. KeepinOn.net and EzraWeb.com. Please see Angies website for additional information about her books and online marriage ministry. http://www.heavenministries.com/ Article Source: http://EzineArticles.com/?expert=Angie_Lewis http://EzineArticles.com/?How-To-Bring-Intimacy-Back-Into-Your-Marriage&id=332924 xanax online prescriptions
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Lose Weight: Attack The Snacks

By Kim Beardsmore Did you know that when you are on a diet, if you eat something and no one sees you - it doesnt contain any calories! Of course that's not true...but it is how many of us think! Do you eat when you are bored, upset or angry? Do you find that every day requires a chocolate bar to get you through the afternoon? If you are trying to lose weight, you may feel guilty about snacks. As a weight loss coach, I find some folk (particularly women) laugh nervously when I ask them what happens to their food consumption around 4pm. This often is the time of the day when the Snack Monster takes control of them! Some berate themselves for being weak, out of control and without discipline. They either eventually give up on their diet altogether or develop counter thoughts so they dont feel so bad. It didnt really matter - it is fat free. Or, if no one notices, the calories dont count. The good news is that a healthy eating programme leading to weight does not have to be like this. You can lose weight without being hungry or guilty! Its possible to take control of the Snack Monster and healthy snacking can lead you to weight loss success, not failure. So instead of being full of regret about snacking, choose your snacks wisely and have more energy and vitality, without the guilt. The keys to healthy snacking are to select foods that:
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* Provide important nutrients Look for foods that contain the following: * Whole grains. Whole-grain snacks are rich in complex carbohydrates and fibre, which give you immediate energy that has some staying power. Consider items such as low-fat whole-grain crackers and whole-grain crispbreads. * Fruits and vegetables. Eating fruits and vegetables provides a feeling of fullness with no fat and only a small amount of calories. They also provide vitamins, minerals, fibre and other nutrients. * Nuts and seeds. Nuts and seeds are a good source of protein, which helps keep you feeling fuller longer. Nuts and seeds are high in calories, however, so don't eat them in large quantities. * Low-fat dairy products. Cheese, yogurt and other dairy products are good sources of calcium, protein, and other nutrients. Be sure to choose low fat versions. Prepare for your week and have a range of healthy snacks on hand at home or in the office and snack on healthy choices with peace of mind. Kim Beardsmore is a weight loss consultant whose business operates across 60 countries. Tons of recipes, articles, resources, free newsletter and more to help you lose weight and keep it off forever. Estimate your healthy body weight or receive a free weight loss consultation at http://www.weight-loss-health.com.au Article Source: http://EzineArticles.com/?expert=Kim_Beardsmore http://EzineArticles.com/?Lose-Weight:-Attack-The-Snacks&id=77906 xanax 2mg buy
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The Mediterranean Diet - Lose Weight Without Sacrificing Taste!

By Michael Bens Theres a popular book out right now that explores the reasons why French women dont get fat. Its certainly not for lack of eating delicious food! The same might be said for the Mediterranean diet the traditional foods that are prepared and eaten around the Mediterranean region of Europe. The people there may not be model-skinny, but here are few if any seriously overweight people who live the traditional lifestyle and eat traditional Mediterranean foods. It all comes down to great tasting, natural food. Forget what you think you know about Italian cuisine, for a start yes, pizza and pasta do figure heavily in some regions of Italy, but not in the Mediterranean region. By the sea, people subsist on what they can catch from the sea and grow in their gardens. The result is natural, delicious food that is a pleasure to prepare and an even greater pleasure to eat. Of course, we all naturally think of tomatoes and its a fact that tomatoes grown in the Mediterranean sun are far superior to any that we might find elsewhere in the world. The Mediterranean basin is the home of the tomato, and the place where it grows best. But thats just the beginning. There are a variety of other vegetables that the Mediterranean kitchen abounds with, and many of them happen to be dark green, red or orange in color. Believe it or not, that does matter quite a bit, in fact. Studies have shown that dark green, red and orange vegetables have a higher concentration of anti-oxidants, making them powerful cancer fighters. Also, these tend to be more flavorful and satisfying than many other vegetables especially when prepared according to Mediterranean recipes and that means that you are more likely to fill up on vegetables. And that, of course, is one of the best things you can possibly do for maximum weight loss. Meat is part of the diet, but its served rather sparingly. Fish is much more common, given that the Mediterranean life is oriented around the sea. Fish are grilled, or prepared as part of various cooked dishes that also contain vegetables. Forget the batter-covered English style fish and chips, though Europeans living in the Mediterranean regions have much better things to do with their fish, with greatly superior results! Fish is often quite low in fat, as well as being an excellent source of protein. Even when the fat content is a little higher, however, dont worry fat that comes from fish is good fat, healthy for your heart and bones. Speaking of good fat, you cant get much better than olive oil for cooking, drizzling on salads, or as a condiment of sorts. Olive oil has none of the harmful effects that some oils have when they are heated its a good, clean oil that adds flavor, and if youre using good quality olive oil, a little goes a long way! Try to buy cold pressed extra virgin olive oil from Italy, Greece or Spain, or maybe from a lesser known olive oil producer such as Croatia or Albania. In all of these countries, olive groves that are sometimes up to a thousand years old continue to produce olives for eating and oil production. Olives and olive oil are as much a part of the culture as any other aspect of Mediterranean cuisine. As you can see, the Mediterranean diet is not necessarily a low calorie one, though it certainly can be you can adjust the calorie content without sacrificing taste, because natural ingredients make up so much of the diet. If you are interested in eating healthily but not necessarily in losing weight, you can add in some of the extras red wine, some cheese and home baked bread, or the occasional dessert. Even without those extras, though, the Mediterranean diet is easy to follow and stick to because it simply tastes great. Assuming that you are not living in a Mediterranean country (in which case you would probably be eating like this already), find a quality source of tomatoes, peppers and other vegetables in your community. Try to find Greek or Italian grocery store, too, for more obscure ingredients. The Mediterranean diet is good eating for life, as well as being relatively easy and fun to follow. For more great information visit Gabae Weight Loss the premiere resource for weight loss, diets, nutrition and living a great healthy life style! Also if you're looking for more informative articles check out Gabae Weight Loss Articles. Article Source: http://EzineArticles.com/?expert=Michael_Bens http://EzineArticles.com/?The-Mediterranean-Diet---Lose-Weight-Without-Sacrificing-Taste!&id=160045 overnight delivery valium prescription
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Choosing The Perfect Flower with FTD Flowers Online

By George Wood FTD online is a great place to find all kinds of fine roses. And not just roses, there are other kinds of flower arrangements and gifts to be found on their website. Whether its someones birthday, a wedding, funeral, or you need flowers for simple home dcor, you are going to find something of your interest on their online store. You will be able to choose a bouquet, flower basket or a vase full of roses of your choice, order it right away and have it delivered to your doorstep in a matter of hours! There are many kinds of flowers to be found on this site. Roses, tulips, lilies, orchids, and daisies are just a few to mention. There are all kinds of exotic plant flowers as well. Their medium-stemmed red rose bouquet and the yellow citrus rose bouquet are two of the most favorite products. You can order any kind of flower arrangement with a combination of all the flowers that you want for any occasion. FTD also has a special kind of flower to offer to its customers known as the morning glory. Its a beautiful flower that can be combined with many different flowers and plants and looks exquisite anywhere it is placed. You can also try arranging the morning glory with greenery and a few other types of flowers to give the overall arrangement a look of completeness and a natural touch. It can be given as a perfect gift for a birthday or any other special occasion that you share with your loved ones. Everyone is going to love it and cherish it for the exquisiteness that it has to offer. On FTD, you are going to find sections on their premium collection, gourmet baskets and gift certificates. Here you can also sign up for special offers and discounts offered only to their members through e-mails and affiliated sites. They claim to provide you with the highest quality floral arrangements at reasonable prices. You will be able to receive savings information and opportunities through e-mail which otherwise are not listed on the website. Sometimes they offer up to 50% discount through e-mails! So dont forget to sign up with FTD while you are there. Sometimes when you are searching the net for a special flower arrangement that is rarely available at local floral stores, you can find it at FTD. They constantly keep on adding specials to their list of flowers and offer them to their customers. Also these flowers if found on other sites are too expensive to buy. But at FTD you can get a favorite special flower arrangement at just about the price you were expecting to spend. Keep in mind that prices vary greatly depending on the location you want it to be delivered to and how soon you want it delivered. So keep checking back if you couldnt find the flower arrangement of your choice at one time. George Wood is a successful webmaster of many popular sites including buy flowers and funeral flowers site. If you want to read more about flowers, click over to George online flowers site. Article Source: http://EzineArticles.com/?expert=George_Wood http://EzineArticles.com/?Choosing-The-Perfect-Flower-with-FTD-Flowers-Online&id=381351 zopidem diazepam purchase online
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What Can I Ask To Ensure I Have A Good Plastic Surgery Experience?

By Tammy Garcia With over 14.7 million people in the United States having cosmetic or reconstructive surgery this year, many people are asking, What can I ask my surgeon before the procedure to ensure I have a good plastic surgery experience? Good plastic surgery can be defined by many people in many ways. Some people may define it by achieving successful results, while others may define it in terms of their surgical experience. While good plastic surgery may be hard to define, there are things you can do now before your procedure to ensure maximum results. The easiest way to ensure a good plastic surgery experience is to maintain an open and qualitative communication line with the staff at the plastic surgery center. Before your procedure, your surgeon should inquire about your potential concerns, fears, priorities and motivation for this surgery. The more he knows about why youre entering this surgery, the better he can answer your questions. Your surgeon should also be able to give you reasonable expectations for the outcome of your surgery, and explain what is and isnt possible with your results. While most surgeons will provide you with a variety of answers and information to help you explain your procedure, you may wish to bring your questions in with you during one of your pre-consultations. Questions * What procedure is the best for me to achieve my desired results? * How is the surgery performed? What should I expect the day of the surgery? * Are there any options available to me? * What are the normal results? * How long of a recovery period can I expect? * How noticeable will my scars be? * While your surgeon will be able to answer these questions easily, its always nice to go into your first meeting with a little bit of knowledge. Ask your questions, and listen to his answers. Does he listen to you, and provide you with answers that are acceptable to you? Keep in mind that a plastic surgeon is a specialist; he has turned his training into experience. If he has performed your procedure dozens of times, hell understand every nuance of the surgery. Ask him to describe the details. Make sure you understand every step of the procedure. Youll feel more comfortable with the doctor, the procedure, and will be more relaxed during the entire process. Not only will your questions put you more at ease, but it will also ensure you have a good plastic surgery experience! Copyright 2006 Park Meadows Cosmetic Surgery Park Meadows Cosmetic Surgery offers you two of todays top doctors in the field of plastic surgery. Dr Randolph C Robinson is double board-certified by the American Board of Oral & Maxillofacial Surgery and the American Board of Cosmetic Surgery. Dr Jeremy Z Williams completed extensive training in plastic surgery at The Johns Hopkins Hospital in Baltimore, MD before returning to his native home, Colorado. Both are committed to providing you with top quality care, from your initial consultation to your full post-operative recovery. Please visit them at http://www.ParkMeadowsCosmeticSurgery.com Article Source: http://EzineArticles.com/?expert=Tammy_Garcia http://EzineArticles.com/?What-Can-I-Ask-To-Ensure-I-Have-A-Good-Plastic-Surgery-Experience?&id=284049 buy carisoprodol diazepam online
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Comparison of Sunless Tanning Methods

By Natalie Aranda Therere two types of methods for tanning - sun tanning and sunless tanning. Both of methods go to work on the outside layers of your skin. However, the layer of epidermis affected by sun tanning differs from the layer affected by sunless tanning products. While sun tanning products (lotions, sprays, gels or foams) affect the deepest layer or stratum basale, sunless tanning methods go to work on the outermost layer or stratum corneum. The major reasons behind the popularity of sunless tanning are convenience, cost and safety. The widely used sunless tanning methods include 1) sunless tanning lotion, 2) sunless tanning spray, 3) tanning beds, and 4) tanning pills. Each method works in a different mechanism and the results achieved are different as well. The tanning result, cost, safety and convenience are the few things to consider when choosing a sunless tanning method that works best for you. Result Sunless tanning methods generate quicker results than natural sun tanning. Tanning beds result the best tanning effects and last longer. The change in color of your skin from tanning lotions or tanning spray lasts for about five to seven days from the initial application. But getting an even tan requires skills and a lot of attention. Some of tanning pills contain caretenoid pigments. They saturate the fat layers right below the skin to result in the change in skin color when consumed internally. Cost - The cost of sunless tanning methods differs drastically from a few bucks to a few hundred bucks. Both sunless tanning lotions (including tanning spray) and tanning pills are less expensive comparing with tanning beds or tanning booths. Safety Sunless tanning gained its popularity for the main reason of safety. Among sunless tanning methods, the safety concerns for tanning beds remains. Tanning beds, or sunbeds, work the way similar to natural sun tanning. They use UV (Ultraviolet) rays from fluorescent tubes to tan the applicants skin. Continuous exposure to UV rays has the potential to cause skin cancer and skin aging, which are the drawbacks of sun tanning. Convenience Needless to say, tanning pills are the most convenient method to change the skin of your color. Sunless tanning notions and spray are easy to apply too. Most tanning lovers dont have the luxury of owning their tanning beds, so they will have to go to a tanning salon for a visit. Natalie Aranda writes on health, skin care and beauty tips. The major reasons behind the popularity of sunless tanning are convenience, cost and safety. The widely used sunless tanning methods include 1) sunless tanning lotion, 2) sunless tanning spray, 3) tanning beds, and 4) tanning pills. Each method works in a different mechanism and the results achieved are different as well. Article Source: http://EzineArticles.com/?expert=Natalie_Aranda http://EzineArticles.com/?Comparison-of-Sunless-Tanning-Methods&id=214973 valium no prescription needed
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Bedding Basics 101 - Do You Know What Your Bed Is Made Of

By Mike Taylor Before going out to buy a new bed set you should take some time to familiarize yourself with the different components that make up the modern day bed. Knowing this can save you both time and money while shopping for what many consider to be one of the major purchases you make in life. After all, we spend about one third of our lives in bed so we want to be sure and choose a bed set we will be happy with. Most traditional bed sets are based on the same tried and true design: The Bed Frame The bed frame is what holds your box springs and mattress up off the floor. Most modern frames are made from wood or metal with higher quality frames being adjustable to accommodate different mattress sizes. Note that frames made for larger mattresses need to have a center support to prevent sagging in the middle. Box Springs Box Springs are usually purchased with a new mattress because they are designed to work together as a set and if you need a new mattress the odds are you could also use a new box spring. This thought isnt carved in stone and sometimes you can find sets that are mismatched and save quite a bit of money. If you were to cut open your box springs you would find a set of wire coils that are tuned to provide just enough give but not too much that the bed would sag while you sleep. The Mattress The mattress is the part of the bed system that provides the support your body needs to sleep well at night. If you do not have adequate support you will toss and turn at night and can wake up stiff and sore. Lack of support is the primary reason for people sleeping poorly at night. There are many types of mattresses to choose from: Traditional Coil These mattresses have individual coils in them to provide support and are the most popular and oldest type of mattress technology. Memory Foam Quickly gaining in popularity this mattress is made from a heat sensitive foam material that gets softer as your body warms it up and provides just the right amount of support where you need it. This is the type of mattress I have and I love it. Water Bed These use large bags filled with water and a baffle system to help provide support. They must be heated as they are too cold to sleep on by themselves and are not as popular as they once were. Air Bed Another popular mattress is the air bed. Similar to a waterbed an air bed is filled with air and many of the higher end models have remote controls that let each side of the bed be individually adjusted for a custom comfort level. I personally did not like sleeping on this type of bed at all. The Padding This topmost layer of the bed is usually made from cotton, wool or even memory foam and is the main determining factor in the comfort level rating of the mattress. Firmer mattresses have less padding and softer mattresses have more with the softest mattress available today being the pillow top mattress. Now that you know the different parts of a bed set you can go shopping with confidence knowing that you have the knowledge to buy the perfect set that will give you the best nights sleep you have ever had. For more information on how to choose a mattress visit Learn About Mattresses where you will find helpful information on the Simons Beautyrest Article Source: http://EzineArticles.com/?expert=Mike_Taylor http://EzineArticles.com/?Bedding-Basics-101---Do-You-Know-What-Your-Bed-Is-Made-Of&id=372239 buy-xanax-online-without-prescription
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Have You Considered to Attend a Bridal Show?

By Terje Ellingsen Are yu planning a wedding? Why not attend a bridal show? It offers you a great shopping option as a wedding consumer. At this show, you will be able to meet first hand with local vendors all in one day and in one location. You can take a friend or relative with you or why not bring your future spouse? Before you take advantage of this great opportunity you should first discuss your needs and expectations for your wedding. Write down all questions you might have, so you can be prepared to ask them right on the spot. Some of the wedding vendors will bring samples; for example, most cake vendors will bring a variety of flavored cakes for you to taste. Tuxedo rental shops will have tuxedos for you to touch and see and that is much more real that just a photo in a brochure. Some catering companies will provide food samples also. You may find jewelry, floral arrangements, videos of real weddings, and even be able to try out a limousine. So, how can you make the most out of a bridal show? Such shows offer lots of free stuff like for example wedding magazines. Pick up some free wedding stuff at the show. Make your personal cards containing your name, address, telephone number and email address to give to the vendors. This effort will save time from having to write and re-write your personal information at each booth. Normally a fashion show takes place at a bridal show and you dont want to miss this event. The line for such fashion shows forms quickly, so be there well in advance. Most bridal shows arrange contests. Enter as many contests as you can to win bridal packages or maybe a honeymoon. Lots of vendors are waiting to be of service to you and you can have fun even if you dont win. Bring your calendar or a notebook to make appointments with vendors. Many vendors at these shows offer discounts for point-of-sale purchases on the exhibit day, so take money or your credit cards with you. At bridal shows you have to walk a lot, so be sure to wear comfortable shoes and clothing. Terje Brooks Ellingsen is an internet publisher. His website canadian online pharmacy xanax
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Wedding Cakes

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Mobile Gaming: An Explosion Of Fun In Your Hand

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Electrolysis - Answers To Frequently Asked Questions

By Mike Jones What is electrolysis? Electrolysis refers to the destruction of hair roots with an electric current. Three types of electrolysis are: 1) Galvanic, 2) Thermolysis and 3) Blend. 1) Galvanic Electrolysis A DC current passing through the needle causes a chemical reaction in the hair follicle which produces sodium hydroxide, also know as lye, which destroys the hair follicle. 2) Thermolysis Electrolysis An AC current passing through the needle causes vibration in the water molecules surrounding the hair follicle which produces heat. (Similar to the principle behind a microwave oven.) The heat damages the hair follicle. This method is much faster but less reliable than galvanic electrolysis. Thermolysis is also known as 'short-wave radio frequency diathermy'. 3) Blend Electrolysis This method tries to combine the benefits of the galvanic and thermolysis methods by passing an AC and a DC current through the needle at the same time. It is much quicker than the galvanic method. How does electrolysis work? Very fine metal probes are inserted into the hair follicle. A small electric current is then applied which destroys the hair root. Each hair has to be treated individually. (See item above for description of various electrolysis methods.) How much does electrolysis cost? Usually there is a rate per hour. Get an estimate of how many hours are required for your particular problem and then multiply it by the rate per hour. A cheap hourly rate does not necessarily mean lower cost if the electrolysis procedure takes longer than it should! Quotations for electrolysis can vary from $25 to $100 per hour. Is electrolysis painful? This depends on the individual's level of sensitivity. Some describe the discomfort from electrolysis as being similar to using tweezers. Others complain of excessive pain during electrolysis treatment. A qualified electrologist will be able to suggest methods for minimizing the discomfort. How long does electrolysis treatment take? The time needed for electrolysis treatment varies greatly from person to person. Factors such as the size of the area to be treated, the curvature of the hair follicle, the level of skin sensitivity, hormonal balance and heredity all have an effect. Electrologist Fino Gior, author of Modern Electrology, gives these estimates: Upper Lip 4-10 hours
Chin 2-12 hours
Sideburns 4-8 hours
Eyebrows 3-8 hours
Underarms 4-12
Arms 5-10 hours
Bikini Line 8-16 hours These estimates are based on averages taken in the U.S.A. and Canada at clinics performing electrolysis treatment. They will vary from person to person and should only be taken as a rough guide. Note: For 44 years Fino Gior has researched the Permanent Hair Removal Industry. During that time he has become a Consumer Advocate fighting for the welfare of the inquiring patient. His professional ability as a full time electrologist is well established all over the world. He received the highest and most prestigious honor in the profession, November 1985, the Charles E. Michel, M.D., Award, by the International Guild of Professional Electrologists. (Web site: electrolysisinformation.com) What is the effect of electrolysis on the skin? If the electrolysis procedure is performed by a fully qualified electrologist, the tissue surrounding the hair follicle should not be damaged. Electrolysis should therefore be safe when performed at a reputable clinic by trained personnel. Obvious precautions to note when going for electrolysis: The electrologist should wear gloves and use disposable, pre-sterilized needles to minimize the risk of infection. Temporary side effects from electrolysis may include some redness and swelling, dryness and scabs. If the electrolysis procedure is not carried out by professionals, there is the risk of permanent skin damage resulting in a scarring or pitting of the skin. How long do electrolysis results last? Electrolysis is often viewed as a permanent hair removal method. Once the hair root is destroyed, the hair will not grow back. There are exceptions however. In some cases hair does regrow in places after electrolysis treatment and clients need to return once or twice a year for a cleanup. Hair can continue to grow in the underarms, pubic area and around the nipples during a woman's reproductive years. As level of expertise varies in different countries and even in some states in the U.S.A., it's important to check the credentials of the individual performing the electrolysis. Mike Jones is a writer and webmaster with over 10 years experience. Check out his free research libraries: Laser Hair Removal: http://www.about-hair-removal.com/Laser-Library Plastic Surgery: http://www.bodyfaq.com/plastic-surgery-library Check Mikes solutions for ingrown hair, hair removal, and healthy hair growth here: http://www.1bodycare.com Article Source: http://EzineArticles.com/?expert=Mike_Jones http://EzineArticles.com/?Electrolysis---Answers-To-Frequently-Asked-Questions&id=322382 buy xanax 2mg
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Discard Your Bad Credit Worries With Bad Credit Secured Loan

By [http://ezinearticles.com/?expert=Andrew_Baker]Andrew Baker Borrowers having bad credit get problems in availing loan from lender easily. Incurring bad credit, simply, decreases the reliability of borrower for any further loan borrowing. Lenders deny such borrowers who have been unable to manage their finances in the past. Saving borrowers from the grumbling of lenders, bad credit secured loan comes in great use for borrower having bad credit. Bad credit secured loan helps borrowers meeting all their financial needs even if they suffer from bad credit. Lenders get here no reason to feel any risk, as borrower has to put his house or other property as collateral against the loan amount. It enables borrowers to access this loan easily. As collateral is present here, it allows borrowers to borrow even large amount. Repayment period is also long, and thus, borrower can repay the amount in flexible and smaller monthly installment. For borrowers, the risk of facing legal action and losing their collateral might be a matter of concern. But, it is only when borrower fails to repay the amount on time, and according to terms and conditions of the lenders. Before the several privileges given by bad credit secured loan, such trivial issue carry no value to borrower, who has got bad credit, and is in dire need of money. Secured form of bad credit secured loan lets the borrower take money at lower rate of interest. Moreover, a borrower having bad credit can improve his credit score by availing this loan. If, he repays back the money timely, and on the terms and conditions of the lenders, he gets his credit score automatically improved. The amount of the loan can be used to fulfill all the various purposes. It can be used for debt consolidation, car purchasing, holiday packages, home improvement, and etc. In order to find the best bad credit secured loan deal, first, you ought to locate the best lenders available in market. Searching a variety of financial websites can help you in getting several lenders in your area providing loans at suitable terms. Borrower can also avail loan online. Besides, these websites offer borrower various tools, such as, loan calculators, and loan quotes, which come in great use in comparing various loans and choosing the best one suiting your need. Offering a large number of benefits, such as, lower interest rate, long repayment period, flexible monthly installment option, and chance of improving credit score, bad credit secured loan is the best possible loan option available for borrower with bad credit. This loan helps borrowers fulfilling all his financial goals by borrowing a loan which offers them loan at easy terms after ignoring their bad credit history. Andrew Baker has done his masters in finance from CPIT. He is engaged in providing free, professional, and independent advice to the residents of the UK. He works for the LoansFiesta for any type of loans as secured loan uk, [http://www.loansfiesta.co.uk/secured_loans.html]Bad credit secured loan, secured homeowner loan in uk, low rate secured loans in UK please visit http://www.loansfiesta.co.uk Article Source: http://EzineArticles.com/?expert=Andrew_Baker http://EzineArticles.com/?Discard-Your-Bad-Credit-Worries-With-Bad-Credit-Secured-Loan&id=288360 xanax without a prescription cheap
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Mobile Networks Broaden Their Services As The Number Of Mobile Phones Keeps On Rising

By [http://ezinearticles.com/?expert=Andrew_Regan]Andrew Regan In Britain at present there are over 50 million mobile phones; thats double the figure counted 6 years ago, and the number only looks set to keep on rising. With an increasing number of mobile network providers in the UK market, the pressure is on to expand the goods and services offered by these companies, with many British mobile networks trying desperately to outdo each other. A perfect example of mobile networks working against each other is shown in the recent controversy surrounding TV broadcasts on mobile phones. ITV signed a deal earlier this month with network operator '3', which allows them to broadcast primetime ITV shows on mobiles as they are simultaneously being broadcast on television. The service is available to '3' customers for only an extra 5 a month, or 99 pence a day, and was at first expected to be used by other networks as well, once the 6 month exclusivity deal with '3' customers is over. However, developments since have seen Vodafone, the world's largest mobile network provider, actively discourage mobile phone makers from putting mobile TV chips in their handsets. Apparently, this is because it wishes to encourage the use of its own 3G network, with new HSDPA and HSUPA for mobile TV, as well as other multimedia capabilities. By discouraging phone makers from using DVB-H and T-DMB TV capabilities, it is effectively setting the trend for mobile TV handsets. Steve Harrop, the technical architect for Vodafone's mobile applications and content services, said: "There is an obvious risk disintermediation, and that's a background business reason for us choosing this approach. At the end of the day we have 16 million customers in the UK and we decide which phones we are selling them." Other leading mobile network providers in Britain - most notably, 02, Orange and T-Mobile - have been experimenting with unique products and services as well. In the US, T-mobile appear to be branching out into a range of other services, most specifically launching a new generation of Internet phones, in order to attract customers away from wi-fi and land-line services. Similarly, Orange recently launched the "Unique" phone; the company's first converged service, the Unique phone offers the benefits of a fixed-line and mobile phone in one handset, exclusively to customers in Britain, France, the Netherlands, Spain and Poland. The idea is that you have one phone for all your requirements; in your home, the handset connects via wi-fi to the Orange [http://www.orange.co.uk/membercentre/livebox/landing ]Livebox, and outside the house functions as a normal Orange mobile. Best of all, you can move between home and mobile conversations on the same phone without interruption. 02 have gone in a slightly different direction, by developing their own branded mobile handset; the [http://shop.o2.co.uk/shop/o2uk/jsp/handsets/viewHandsetDetails.jsp?prodID=consumer:O2:Ice:3G:GROUP ]02 Ice mobile phone comes complete with their 3G bells and whistles and, with its slim, clean white appearance, is generally expected to appeal to the fashion buyers in the phone market. In Britain, with [http://www.dialaphone.co.uk ]mobile phone companies like dial-a-phone continually making mobile phones more affordable through a never-ending series of special offers on both pay monthly and pay as you go phones, the mobile revolution doesn't look like it's going to end anytime soon. Andrew Regan is an online journalist who enjoys socialising at his local [http://www.edinburghaccies.com]Edinburgh rugby club. Article Source: http://EzineArticles.com/?expert=Andrew_Regan http://EzineArticles.com/?Mobile-Networks-Broaden-Their-Services-As-The-Number-Of-Mobile-Phones-Keeps-On-Rising&id=312580 overnight no prescription xanax
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Managing Risk in Financial Sector

By Adeel Mirza Risk Management is a hot topic in the financial sector especially in the light of the recent losses of some multinational corporations e.g. collapses of Britains Barings Bank, WorldCom and also due to the incident of 9/11. Rapid changes in business condition, restructuring of organizations to cope with ever increasing competition, development of new products, emerging markets and increase in cross border transactions along with complexity of transactions has exposed Financial Institutions to new risks dimensions. Thus the concept of risk has captured a growing importance in modern financial society. By facilitating transactions and making credit and other financial products available, the financial sector is a crucial building block for private as well as public sector development. In its broadest definition, it includes everything from banks, stock exchanges, and insurers, to credit unions, microfinance institutions and moneylenders. As an efficient service provider, the financial sector simultaneously fulfils an important function in the overall economy. Various types of Financial Institutions actively working in Financial Sectors include Banks, DFIs, Micro Finance Banks, Leasing Companies, Modarabas, Assets Management Company, Mutual Funds, etc. Thus todays operating environment demands systematic and more integrated risk management approach. Risk: Risk by default has tow components; uncertainty and exposure. If both are not present, there is no risk. Definition of Risk as per Guidelines on Risk Management issued by State Bank of Pakistan is, Financial risk in a banking organization is possibility that the outcome of an action or event could bring up adverse impacts. Such outcomes could either result in a direct loss of earnings / capital or may result in imposition of constraints on banks ability to meet its business objectives. Such constraints pose a risk as these could hinder a bank's ability to conduct its ongoing business or to take benefit of opportunities to enhance its business. Types of Risks: Risks are usually defined by the adverse impact on profitability of several distinct sources of uncertainty. More or less all financial institutions have to manage the following faces of risks: 1. Credit Risk
2. Market Risk
3. Liquidity Risk
4. Operational Risk
5. Country Risk
6. Legal Risks
7. Compliance Risk
8. Reputational Risk Broadly speaking there are four risks as per Risk Management Guidelines which surround Financial Sector i.e. Credit Risk, Market Risk, Liquidity Risk and Operational Risk. These risk are elaborated here under: i. Credit Risk This is the risk incurred in case of a counter-party default. It arises from lending activities, investing activities and from buying and selling financial assets on behalf of others. This risk is associated with financing transactions i.e.: a. Default in repayment by the borrower and
b. Default in obliging the commitment by another Financial Institution in case of syndicated arrangements. It is the most critical risk in banking and one that must be managed carefully. It is also the risk that requires the most subjective judgment despite constant efforts to improve and quantify the credit decision process. ii. Market Risk Market risk is defined as the volatility of income or market value due to fluctuations in underlying market factors such as currency, interest rates, or credit spreads. For commercial banks, the market risk of the stable liquidity investment portfolio arises from mismatches between the risk profile of the assets and their funding. This risk involves interest rate risk in all of its components: equity risk, exchange risk and commodity risk. iii. Liquidity Risk The liquidity risk is defined as the risk of not being able to meet its commitments or not being able to unwind or offset a position by an organization in a timely fashion because it cannot liquidate assets at reasonable prices when required. iv. Operational Risk This risk results from inadequacies in the conception, organization, or implementation of procedures for recording any events concerning banks operations in the accounting system/information systems. Need for Risk Management and Monitoring: There are a number of reasons as to why there is so much emphasis given to Risk Management in Financial Sector now a day. Some of them are listed below: - 1. Present structure of joint stock companies, wherein owners are not the mangers, hence risks increase; therefore proper tools are required to achieve the desired results by covering the risks.
2. The financial sector has come out of simple deposit and lending function.
3. The world has become very complex so the financial transactions and instruments.
4. Increase in the number of cross border transactions which caries its own risks.
5. Emerging markets
6. Terrorism Remittances Risk monitoring in financial sector is very crucial and an inevitable part of risk management. Risk Monitoring is important in the financial sector due to the following reasons: 1. Deals in others money
2. Direct stake of deposit holder.
3. Much riskier sector than trading and manufacturing.
4. Previous / Recent problems faced by banks i.e. stuck portfolio that is credit risk.
5. Bankruptcy of Barings Bank due to short selling / long position that is market risk.
6. Operational risk does not has immediate impact, but important for continuity and progress of organization.
7. Appetite of a financial institution to take risk is related with the capital base of the institute so it caries a huge risk of over exposure. Components of Risk Management Frame Work Risk Management Frame Work has five components. First of all risk is Identified, then it is Assessed to classify, seek solution and management, after assessing quick Response and implementation of solution and the last phase is Monitoring of the risk management progress and Learning from this experience that such problem never occur again. Whole process is to be well Communicated during the entire process of risk management if it is to be managed efficiently. The International Organization for Standardization (ISO) has defined risk management as the identification, analysis, evaluation, treatment (control), monitoring, review and communication of risk. These activities can be applied in a systematic or ad hoc manner. The presumption is that systematic application of these activities will result in improved decision-making and, most likely, improved outcomes. Structure of Risk Management Depending upon the structure and operations of organization, financial risk management can be implemented in different ways. Risk management structure defines the different layers of an organization at which risk is identified and managed. Although there are different layers or level at which risk is managed but there are three layers which are common to all. i.e. Risk Management For managing risk there are certain basic principles which are to be followed by every organization: 1. Corporate level Policies
2. Risk management strategy
3. Well-defined policies and procedures by senior management
4. Dissemination, implementation and compliance of policies and procedures
5. Accountability of individuals heading various functions/ business lines
6. Independent Risk review function
7. Contingency plans
8. Tools to monitor risks Institutions can reduce some risks simply by researching them. A bank can reduce its credit risk by getting to know its borrowers. A brokerage firm can reduce market risk by being knowledgeable about the markets it operates in. Functionally, there are four aspects of financial risk management. Success depends upon A. A positive corporate culture, No one can manage risk if they are not prepared to take risk. While individual initiative is critical, it is the corporate culture which facilitates the process. A positive risk culture is one which promotes individual responsibility and is supportive of risk taking. B. Actively observed policies and procedures Used correctly, procedures are powerful tool of risk management. The purpose of policies and procedures is to empower people. They specify how people can accomplish what needs to be done. The success of policies and procedures depends critically upon a positive risk culture. C. Effective use of technology The primary role technology plays in risk management is risk assessment and communication. Technology is employed to quantify or otherwise summarize risks as they are being taken. It then communicates this information to decision makers, as appropriate. D. Independence or risk management professionals To get the desired outcome from risk management, risk managers must be independent of risk taking functions within the organization. Enrons experience with risk management is instructive. The firm maintained a risk management function staffed with capable employees. Lines of reporting were reasonably independent in theory, but less so in practice. Internal Controls Para one on first page of the Guidelines on Internal Controls issued by SBP provides: Internal Control refers to policies, plans and processes as affected by the Board of Directors and performed on continuous basis by the senior management and all levels of employees within the bank. These internal controls are used to provide reasonable assurance regarding the achievement of organizational objectives. The system of internal controls includes financial, operational and compliance controls. The current official definition of internal control was developed by the Committee of Sponsoring Organization (COSO) of the Treadway Commission. In its influential report, Internal Control - Integrated Framework, the Commission defines internal control as follows: Internal control is a process, effected by an entity's Board of Directors, management and other personnel, designed to provide reasonable assurance regarding the achievement of objectives in the following categories:  Effectiveness and efficiency of operations.
 Reliability of financial reporting.
 Compliance with applicable laws and regulations. This definition reflects certain fundamental concepts:  Internal control is a process. It is a means to an end, not an end in itself.
 Internal control is effected by people. It is not policy manuals and forms, but people at every level of an organization.
 Internal control can be expected to provide only reasonable assurance, not absolute assurance, to an entity's management and board. Internal control should assist and never impede management and staff from achieving their objectives. Control must be taken seriously. A well-designed system of internal control is worse than worthless unless it is complied with, since the assemblance of control will be likely to convey a false sense of assurance. Controls are there to be kept, not avoided. For instance, exception reports should be followed up. Senior management should set a good example about control compliance. For instance, physical access restrictions to secure areas should be observed equally by senior management as by junior personnel. Components of Internal Controls Components of internal control also depend upon the structure of the business unit and nature of its operation. The COSO Report describes the internal control process as consisting of five interrelated components that are derived from and integrated with the management process. The components are interrelated, which means that each component affects and is affected by the other four. These five components, which are the necessary foundation for an effective internal control system, include: I. Control Environment, Control environment, an intangible factor and the first of the five components, is the foundation for all other components of internal control, providing discipline and structure and encompassing both technical competence and ethical commitment. II. Risk Assessments, Organizations exist to achieve some purpose or goal. Goals, because they tend to be broad, are usually divided into specific targets known as objectives. A risk is anything that endangers the achievement of an objective. Risk assessments is done to determine the relative potential for loss in programs and functions and to design the most cost-effective and productive internal controls. III. Control Activities, Control activities mean the structure, policies, and procedures, which an organization establishes so that identified risks do not prevent the organization from reaching its objectives.
Policies, procedures, and other items like job descriptions, organizational charts and supervisory standards, do not, of course, exist only for internal control purposes. These activities are basic management practices. IV. Information and Communication, and Organizations must be able to obtain reliable information to determine their risks and communicate policies and other information to those who need it. Information and communication, the fourth component of internal control, articulates this factor. V. Monitoring Life is change; internal controls are no exception. Satisfactory internal controls can become obsolete through changes in external circumstances. Therefore, after risks are identified, policies and procedures put into place, and information on control activities communicated to staff, superiors must then implement the fifth component of internal control, monitoring. Even the best internal control plan will be unsuccessful if it is not followed. Monitoring allows the management to identify whether controls are being followed before problems occur. In the same way, management must review weaknesses identified by audits to determine whether related internal controls need revision. Tools for Monitoring of Risk Management Information System M.I.S or Management Information System is the collection and analysis of data in order to support managements decision with respect to the achievement of objectives mentioned in the policies and procedures and the control of various risks therein. It is this area i.e. M.I.S, where I.T can play a vital and effective role as with the help of I.T large information may be analyzed efficiently and with accuracy, so that effective decision may be taken by the management without the loss of any time. Asset-Liability Management Committee (ALCO) In most cases, day-to-day risk assessment and management is assigned to a specialized committee, such as an Asset-Liability Management Committee (ALCO). Duties pertaining to key elements of the risk management process should be adequately separated to avoid potential conflicts of interest - in other words, a financial institutions risk monitoring and control functions should be sufficiently independent from its risk-taking functions. Larger or more complex institutions often have a designated, independent unit responsible for the design and administration of balance sheet management, including interest rate risk. Given today's widespread innovation in banking and the dynamics of markets, banks should identify any risks inherent in a new product or service before it is introduced, and ensure that these risks are promptly considered in the assessment and management process. Corporate Governance Principles Corporate governance relates to the manner in which the business of the organization is governed, including setting corporate objectives and a institutions risk profile, aligning corporate activities and behaviors with the expectation that the management will operate in a safe and sound manner, running day-to-day operations within an established risk profile, while protecting the interests of depositors and other stakeholders. It is defined by a set of relationships between the institutions management, its board, its shareholders, and other stakeholders. The key elements of sound corporate governance in a bank include: a) A well-articulated corporate strategy against which the overall success and the contribution of individuals can be measured. b) Setting and enforcing clear assignment of responsibilities, decision-making authority and accountabilities that are appropriate for the bank's risk profile. c) A strong financial risk management function (independent of business lines), adequate internal control systems (including internal and external audit functions), and functional process design with the necessary checks and balances. d) Corporate values, codes of conduct and other standards of appropriate behavior, and effective systems used to ensure compliance. This includes special monitoring of a bank's risk exposures where conflicts of interest are expected to appear (e.g., relationships with affiliated parties). e) Financial and managerial incentives to act in an appropriate manner offered to the board, management and employees, including compensation, promotion and penalties. (i.e., compensation should be consistent with the bank's objectives, performance, and ethical values). f) Transparency and appropriate information flows internally and to the public. Tools mentioned above can be utilized in identifying and managing different risks in the following manner: I. Credit Risk It is managed by setting prudent limits for exposures to individual transaction, counterparties and portfolios. Credits limits are set by reference to credit rating established by Credit Rating Agencies, methodologies established by Regulators and as per Boards direction. Monitoring of per party exposure
Monitoring of group exposure
Monitoring of banks exposure in contingent liabilities
Banks exposure in clean facilities
Analysis of banks exposure product wise
Analysis of concentration of banks exposure in various segments of economy
Product profitability reports II. Market Financial Institutions should also have an adequate system of internal controls to oversee the interest rate risk management process. A fundamental component of such a system is a regular, independent review and evaluation to ensure the system's effectiveness and, when appropriate, to recommend revisions or enhancements. Interest rate risk should be monitored on a consolidated basis, including the exposure of subsidiaries. The institution's board of directors has ultimate responsibility for the management of interest rate risk. The board approves the business strategies that determine the degree of exposure to risk and provides guidance on the level of interest rate risk that is acceptable to the institution, on the policies that limit risk exposure, and on the procedures, lines of authority, and accountability related to risk management. The board also should systematically review risk, in such a way as to fully understand the level of risk exposure and to assess the performance of management in monitoring and controlling risks in compliance with board policies. Reports to senior management should provide aggregate information and a sufficient level of supporting detail to facilitate a meaningful evaluation of the level of risk, the sensitivity of the bank to changing market conditions, and other relevant factors. The Asset and Liability Committee (ALCO) plays a key role in the oversight and coordinated management of market risk. ALCOs meet monthly. Investment mandates and risk limits are reviewed on a regular basis, usually annually to ensure that they remain valid. Risk Management and Risk Budgets A risk budget establishes the tolerance of the board or its delegates to income or capital loss due to market risk over a given horizon, typically one year because of the accounting cycle. (Institutions that are not sensitive to annual income requirements may have a longer horizon, which would also allow for a greater degree of freedom in portfolio management.). Once an annual risk budget has been established, a system of risk limits needs to be put in place to guard against actual or potential losses exceeding the risk budget. There are two types of risk limits, and both are necessary to constrain losses to within the prescribed level (the risk budget). The first type is stop-loss limits, which control cumulative losses from the mark-to-market of existing positions relative to the benchmark. The second is position limits, which control potential losses that could arise from future adverse changes in market prices. Stop-loss limits are set relative to the overall risk budget. The allocation of the risk budget to different types of risk is as much an art as it is a science, and the methodology used will depend on the set-up of the individual investment process. Some of the questions that affect the risk allocation include the following: * What are the significant market risks of the portfolio?
* What is the correlation among these risks?
* How many risk takers are there?
* How is the risk expected to be used over the course of a year? Compliance with stop-loss limits requires frequent, if not daily, performance measurement. Performance is the total return of the portfolio less the total return of the benchmark. The measurement of performance is a critical statistic for monitoring the usage of the risk budget and compliance with stop-loss limits. Position limits also are set relative to the overall risk budget, and are subject to the same considerations discussed above. The function of position limits, however, is to constrain potential losses from future adverse changes in prices or yields. III. Liquidity Risk The Basel Committee has established certain quantitative standards for internal models when they are used in the capital adequacy context. a. Allocation of capital into various types of business after taking into account the operational risks i.e. disruption of business activity, which has especially increased due to excessive EDP usage
b. Allocation of the capital is also made amongst various products i.e. long term, short term, consumer, corporate etc. considering the risks involved in each product and its life cycle to avoid any liquidity crunch for which gap analysis is made. This is the job of ALCO
c. For instance Contingent liabilities not more than 10 times of capital,
d. Fund based not more than 6 times of capital
e. Capital market operations not more than 1 time of capital
f. However these limits cannot exceed the regulations.
g. Parameters of controls
Regulatory Requirements
Boards directions
Prudent practices For liquidity management organizations are compelled to hold reserves for unexpected liquidity demands. The ALCO has responsibility for setting and monitoring liquidity risk limits. These limits are set by Regulatory Bodies and under Boards directions keeping in mind the market condition and past experience. The Basel Accord comprises a definition of regulatory capital, measures of risk exposure, and rules specifying the level of capital to be maintained in relation to these risks. It introduced a de facto capital adequacy standard, based on the risk-weighted composition of a bank's assets and off-balance-sheet exposures that ensures that an adequate amount of capital and reserves is maintained to safeguard solvency. The 1988 Basel Accord primarily addressed banking in the sense of deposit taking and lending (commercial banking under US law), so its focus was credit risk. In the early 1990s, the Basel Committee decided to update the 1988 accord to include bank capital requirements for market risk. This would have implications for non-bank securities firms. Thus, the formula for determining capital adequacy can be illustrated as follows: = Tier I + Tier 2 + Tier 3 *- 8% . Risk-weighted Assets + (Market Risk Capital Charge x 12.5) IV. Operational Risk To manage this risk documented policies and procedures are established. In addition, regular training is provided to ensure that staffs are well aware of organizations objective, statutory requirements. Reporting of major/ unusual/ exceptional transactions with respect to ensuring the compliance of the principles of KYC and Anti-money laundering measure
Analysis of system problems Conclusion For any business to grow and stay in the market management style is a key and Risk management is basically the management style of managing the risks. It is so important and that State Bank of Pakistan plans to replace Prudential Regulations with Risk management guidelines, which will be adopted by banks according to their size and complexity of operations. Risk is inherent in every business and every organization has to manage it according to its size and nature of operation because without it no organization no organization can survive in long run. Article Source: http://EzineArticles.com/?expert=Adeel_Mirza http://EzineArticles.com/?Managing-Risk-in-Financial-Sector&id=251370 cheap phentermine com
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