November 4, 2015

Doctor, Medicine

Contributions Made By Dr. Simeons In The Field Of Medicine

/

When you read anything relating to HCG (Human Chorionic Gonadotropin) hormone, you will come across the name Dr. Simeons a number of times. This is because the British endocrinologist has done a lot of research on the effects of HCG on the human body. In 1954, Dr. Simeons published the book – Pounds and Inches – aimed at combating obesity. The doctor is credited with among other things, the HCG diet plan which proposes a low-calorie diet and an injection of low dose HCG (125 IU). According to this diet plan, only 500 calories should be consumed per day consisting mainly of low-carbohydrates, high-protein diet. The diet can lead to loss of adipose tissue without affecting the lean tissue. The overall result is quick weight loss. Since many people do not like needles, manufacturers of HCG now make HCG diet-drops which are taken orally. While the weight loss remedy is yet to get the backing of the FDA, it is known to be effective and does not have serious side effects.

Contractor, Landscaping

Hiring A Landscape Contractor St Louis

/

Proper landscaping not only improves your home’s aesthetic value but also enhances your lifestyle. A new landscape can give your family, friends or colleagues opportunities to spend quality outdoor time together. Consider hiring a professional to help you with landscaping. If you are looking for a landscape contractor St Louis has plenty of them. Be sure to ask the right questions and identify the right professional for your unique needs. Who to hire depends on several factors: your budget, project size, timeline, and complexity. The ultimate decision-making factor, however, is whether you get along. You want to work with someone who’s receptive to your ideas, project schedule and overall goals. Find someone you can easily get along with because effective communication is an essential determinant of whether the final results will be a representation of what you have in mind. Experts advise homeowners and business owners to hire someone who takes the time to understand the space and asks relevant questions about how the space is used. Essentially, the contractor should try to understand the kind of feeling you’d like your space to evoke. References If your neighbor has a well-landscaped yard, don’t shy away from asking him or her for recommendations. Local listing services are also a great way to get plenty of referrals. You can also search online journals and directories compiled by professional companies and organizations. Certifications As you shortlist potential candidates, look at their portfolios to find a contractor who specializes in the kind of project you have in mind. Years in the business don’t necessarily equate to expertise in the type of work you need to be done. Some professionals may exaggerate their skills and capabilities, so get more than just a verbal promise. Ask for proof of certifications, licenses and professional affiliations. Seek detailed proposals and make sure you understand the terms of any contract before getting into one. Permits Your landscape contractor st louis, should be familiar with local compliance requirements and get all necessary permits. In fact, some contractors may try to complete projects without pulling all appropriate permits to evade fees and make more profit for themselves. Make sure all permits are pulled to avoid problems such as city fines and prolonging the project that might end up being more costly. Cost and Contracts Before settling for a particular contractor, discuss whether the provided quote is a fixed price or an estimate. To avoid misunderstandings and budget overruns, get detailed explanations and ask how cost changes will be handled once the project has begun. Make sure all your agreements are in a written contract. Signed contracts and set unit pricing ensure the project’s budget and direction has a provision for changes through change orders. Insurance Get details of insurance cover and bond before making your final decision. Find out whether the contractor carries a workman’s compensation cover to cover job-related injuries. It’s better to hire a licensed landscape contractor because they carry liability insurance to protect homeowners in case of damage to property.

Services

Reasons To Hire Professional Flatbed Trucking Companies

/

If you own a warehouse, factory or any other larger business, you know how vital it is to send out great merchandise to your clients in a secured manner using flatbed trucking companies. Doing the deliveries yourself or relying on delivery services may be too much of a headache for you and your company. When you hire a specialty trucking company, this professional expert business will get your items where they need to go without the hassle and issues that might come along with it. First and foremost, hiring a trucking company is actually a lot cheaper and more affordable than you might think. One reason why so many business owners do not hire a trucking company is because they feel that it might be too pricey. Thankfully, there are a ton of companies out there that offer great services to their customers without the hefty price tag involved. You can hire the company and have them do the delivery services when it is most convenient for you. This ensures that all of your clients are receiving the items that they have ordered without the problems that come with having the products delivered. While many companies rely on delivery services to get their items to their clients, certain businesses cannot provide this service. The reason for this may be due to the size of the items you are shipping. If the items are too large, a flatbed truck might be better suited to handle your needs. These trucks are driven by professional drivers who have handled orders like your own for years. They can ship the items locally or even across the country as you see fit. Once the items have been delivered, you will feel confident that they got to their destination in great shape and to your client’s benefit. Because there are so many benefits to hiring professional flatbed trucking companies, this is an option for all business owners of all sizes. You will find that hiring such a company eliminates the need for dealing with the deliveries yourself or having to go through the hassle of postal services. The trucking company specifically works with larger orders and shipments, allowing you to relax while your business needs are handled by a professional driver. There is nothing easier than to contact a local trucking company to find out what they can do for you in terms of shipments and charges.

Self Improvement

All About Life Coaching Training

/

It’s been said that change is inevitable and is the only constant thing people can look forward to. Most people believe in this principle and even embrace it. The anticipation of new and different things lying ahead fills them with excitement and longing. These people are not scared or nervous about changes, they welcome them and are adventurous go getters that take what they want from life. However, there are many people who do not embrace and welcome change quite so easily. These people are afraid of change and find comfort in complacency and the old and constant things in their life. Their personalities are not very strong and it doesn’t take a lot distract or intimidate them about the future and what lies ahead. These people are fortunate enough to have the option of hiring a life coach. These professionals basically provide help, guidance and a step by step plan on how to move forward with changes, in order to achieve your goals and become more successful in life. One of the things that these professionals will tell you is that being successful in life does not purely or exclusively refer to your finances, business or career, it refers to your life as a whole. This means that a large part of your success is related to your family and those in your life. You can run a multi-million dollar business yet have no relationship with your children and family. When you receive training from a life coach, they will help you tackle each and every area of your life, one step at a time. However, the ultimate goal is to help you achieve better, live better and have more substance in your life. People often go in search of Life Coaching Training when they are at turning points in their life, such as on the brink of a divorce, starting a new career and reorganizing financial goals. These are areas when you need all the help you can get and exactly what a life coach can help with. Others seek to hire life coaches to help them achieve personal goals such as weight loss or becoming more healthy. In order to be a life coach, you must be an excellent communicator and listener, motivational, inspirational and have a zest for life. You should also be an optimistic person who is positive at all times, even when the circumstances dictate otherwise.

Mortgage Refinance

Everything You Need To Know About Mortgage Refinance

/

According to data from the National Bureau of Economic Research (NBER), a fifth of US homeowners qualify for mortgage refinancing. However, most of the people who qualify for refinancing have failed to do so for various reasons and as a result, forgone savings worth $5.4 billion. With that in mind, here is everything you need to know about mortgage refinance. Refinancing is Easy According to the NBER, many homeowners shun refinancing because they believe it is a complex process. The truth is refinancing is easy regardless of what you may have heard. To make this process a breeze, gather recent paystubs or any document that could prove you have a regular income, tax returns documents and bank statements. In essence, you should prepare for refinancing as you would to buy a house. While this process involves more scrutiny now than before the housing crisis, stricter checks and balances are necessary to prevent financial impropriety, not inconvenience homeowners. Take Advantage of HARP If you have Freddie Mac or Fannie Mae mortgage, you may qualify for federal refinancing. This may come as a surprise considering the Home Affordable Refinance Program (HARP) should have ended on Dec 31, 2013. However, the US Treasury Department extended HARP to run until Dec 31, 2015. To qualify for HARP refinancing, your mortgage should be worth at least 80% or more of your home’s value. Additionally, Freddie Mac or Fannie Mae should be the guarantors or owners of your mortgage and more importantly, you should have missed only one mortgage payment or none in the last 12 months. The beauty of HARP is it protects property owners from foreclosure (you can continue living in your home), comes with very low monthly payments, and lowers the total mortgage amount one owes. Refinancing Options Homeowners have two main refinancing options: rate-and-term and cash-out refinancing. The first option is rate-and-term refinancing, which involves taking out a new loan to pay off an existing mortgage refinance. Luckily, the same property bought with your current mortgage will serve as collateral for the new loan. This option is ideal for homeowners interested in building equity faster or taking advantage of low interest rates. On the other hand, cash-out refinancing would allow you to take out a new mortgage worth more than the amount you owe your current mortgage financier. After paying off existing mortgage debt, you can pocket the difference. Be Wary of “no-cost” Refinancing According to the Federal Reserve Board, lenders define “no-cost” refinancing differently. Despite that, you can avoid shouldering expenses such as closing costs if your lender agrees to pick up the tab. The downside to this arrangement is higher interest rates that some lenders charge mortgagers who wish to refinance their mortgages. Another way to avoid paying refinancing fees directly is by instructing your lender to include them in your principal. With this in mind, find out from your lender what “no-cost refinancing” really means before appending your signature to any document. Conclusion By refinancing, US homeowners repaying mortgages could save about $11,500 each, according to the NBER. Of course, some property owners could even save more. Still, a good number of property owners mistakenly believe refinancing is a complex process. Additionally, some property owners are unaware that they qualify for HARP refinancing or fall for the so-called “no-cost” refinancing trick. For these reasons, evaluate your options carefully before entering into any agreement.

Services

Why Should Businesses Hire Professional Translation Services In Texas?

/

Many companies feature clients and customers that speak multiple languages. If a large proportion of them speak something other than English, then it’s important to accommodate them. For instance, signage and documents could be made in multiple languages, including English and Spanish. How To Go About Doing This Of course, existing English documents and materials must be translated into other languages. Business owners often want to take the shortcut here and do this work themselves. Perhaps they’ll use their own knowledge of a given language. Otherwise, they’ll contract the work out to a friend or acquaintance. Both tactics can prove costly down the road, and professional translation services in Texas are recommended instead. Why Professional Translation Matters Ordinary language speakers tend to include jargon and slang in their writing. Similarly, they often take common shortcuts or skimp out on grammar. That’s fine for daily usage, but businesses must be professional here. Writing with slang or incorrect grammar opens up the possibility of misunderstandings. Sometimes, mistranslations can lead to a PR nightmare for companies, especially in the state of Texas. For that reason, business owners should opt for professional translation no matter what. Translation services provide a cost-effective service for translating documents from English to other languages. They do so in an effective, grammatically correct manner without the use of jargon or slang. On top of that, such services are faster and more accurate than a random person performing the translation work instead. How does this benefit businesses in Texas? Businesses in Texas often save time and effort related to translation tasks. From a PR perspective, it’s possible to blame the translation service for mistakes, rather than the business itself. Company owners receive peace of mind that their documents and advertising materials are accurately translated. These benefits and a variety of others make professional translation a valuable service worth utilizing right now. Rely Upon The Professionals For Translation! Translation services in Texas are prepared to tackle an individual or company’s needs in this area. Each service can handle direct translations of English into another language. In most cases, these third-party services can create documents and materials from scratch in a chosen language. Texas business owners shouldn’t hesitate to see how a translation service can benefit themselves today. Far too many business owners opt instead for non-professional translation. Unfortunately, that decision often leads to consequences and problems down the road. The best thing an owner can do is find a cost-effective translation business instead.

Scroll to Top