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Digestion and Debt Relief For Pancreatic Cancer Patients

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Since my mother passed away from Pancreatic Cancer I have dedicated a large portion of my life to writing articles that will help Pancreatic Cancer patients improve the quality of their lives. Life is precious and until some are faced with a life threatening disease such as this many don’t take the time to realize how fragile and valuable life can be. What can you do when your most valuable possession which is life is jeopardized? The answer is that you cherish what you have and you take the steps to make the very best out of the time that you have. This article deals with digestion and debt relief for Pancreatic Cancer Patients and their families.  

Digestion and debt relief may seem like two peculiar subjects to tackle but in essence dealing with these two issues can make a world of difference for Pancreatic Cancer patients and their loved ones. First I will deal with the matter of digestion for those dealing with this brutal Cancer as proper digestion is vital for the Pancreatic Cancer patient. The reason for this is that people with this disease are fighting to live as the Cancer fights back to destroy them. We all know the frequently used expression, “You are what you eat.” The problem is that if you can’t eat you become nothing because you eat nothing or in other words you die if you are unable to nourish your body.  

There are tons of books with nutritional plans and diet suggestions for Cancer patients full of fantastic advice on foods that can heal you or help you live longer but you have to be able to consume them to make it work. Pancreatic Cancer robs you of your digestive abilities in so many ways from stealing your appetite to causing great discomfort when you do eat. You can eat several small meals throughout the day, ingest vitamin rich and protein rich supplements and you can even take your digestive enzymes which are all recommended but there are just going to be times no matter what you do when it is hard to eat.    

A nifty little trick my dad found out helped my mother when she did it and more than likely it will help you or your loved one as well and I encourage them to do this faithfully. Consumption of the proper diet during Cancer is vital for strength and for some even recovery. One crisis associated with Pancreatic Cancer specifically is that the entire digestive system is disrupted making it one of the worse Cancers in existence. One simple little item eaten with every meal and snack can provide digestive relief and that is a dill pickle. There is something in the makeup of a dill pickle that aids in digestion and helps prevent acid reflux, sickness and pain associated with diseases that make it difficult for people to eat and digest food. If you are not doing this already you should begin eating a dill pickle with every intake of food and watch the difference. You will be pleasantly surprised and you have nothing to lose. I am not a doctor and this is not medical advice it is just something that could possibly help you or your loved one live longer based upon something I’ve witnessed first hand. Try letting the dill deal with your digestive issues.  

The more a Pancreatic Cancer patient is able to eat especially of Cancer fighting foods; the better their quality of life will be. It doesn’t do anyone much good to live long with a disease if they have a poor quality of life and for the Cancer patient quality of life is a critical treasure as you never know how much life you have. What if the ability to eat the right foods helps you live longer on this earth? What if? Aren’t dill pickles worth a try? It was very painful seeing my mother not be able to eat. We would get so happy when she had an appetite and then to see her racked with pain after eating was always a scene that killed the joy of the victory we felt we had jachieved ust moments before hand. When the dill pickles helped her digest her food without complications and pain I gained new hope of a prolonged life or recovery for her but she didn’t stay consistent with it and that was the downfall.  

Thankfully, you can learn from our mistakes. Sometimes it is tough to get a Cancer patient to do what it takes to make them live when they are on mind altering pain killers like morphine. What I recommend is to make sure somehow that the Cancer patient you know, especially those with Pancreatic Cancer continues the dill pickle eating regimen faithfully no matter what it takes. It always amazes me how a component to a cure can be a simple item we never paid attention to before. Two other treatments I recommend that you research on the internet for Cancer are the baking soda treatment and the asparagus treatment. Try everything reasonable until you find something that works.  

Secondly, I would like to deal with the topic of debt. Cancer is a very difficult disease to treat and most people don’t have enough insurance coverage to deal with the high Cancer treatment bills. All of the medications we had to get for my mother were so numerous and costly that our annual prescription benefits ran out. Some prescriptions cost as much as $800 for a 10 day supply. It is absolutely outrageous that when a person is dying and paying their debt to life they have to almost break themselves just to live or live a little longer in the most peace they can find with the disease. I have a few FREE suggestions for you.

First and foremost please come to the realization that Cancer can happen to anyone. Cancer does not discriminate and no one is exempt. Cancer comes to the rich and the poor, the famous and unknown, the young and the old, the black, white, brown, red and yellow. I would suggest Aflac to everyone and I am not an Aflac agent but I had it years ago and I know that they offer a Cancer plan that pays you a claim upon diagnosis and also helps to pay what the insurance doesn’t cover along with supplemental income payments. You would have to contact an agent to get more details. I just wanted to tell you a little about it in this article.

Next I would research studies that are being conducted for Cancer patients. Pancreatic Cancer is a Cancer that has been underserved when it comes to Cancer research and even recently bills have been passed for more Pancreatic Cancer research to be conducted. If a Pancreatic Cancer patient gets accepted into a study they are many times able to receive the latest cutting edge treatments for the disease and at no charge. I definitely recommend taking part in a study but if the treatment seems too hard on your body don’t continue. Since Pancreatic Cancer is so difficult to diagnose it usually isn’t diagnosed until it is already stage four and at that stage many times there is very little benefits that come from chemotherapy. My mother tried an experimental chemotherapy that did show improvement but  she was unable to continue with it due to its effects on her.

The third thing I want to share on the subject of debt relief is in regards to life insurance. The only thing I really have to say about this is make sure you have more than just enough life insurance to cover the funeral. Life insurance should be at an amount that covers funeral arrangements, as well as, bills and living expenses for those left behind. I am both sorry and not sorry to say that. Sorry because the reality that death may occur is very difficult to deal with. It is extremely hard to think about the one you love or even yourself not living anymore. I’m not sorry because it is a possible reality that must be dealt with. My mother left a lot bills for my father to deal with and in his and the family’s grief it would have been nice not to have bill collectors callings while we ourselves were grieved to death from our loss. You have to think about income replacement, funeral expenses, bills and existing debt ahead of time. It will make things easier in the long run so please just do it.  

In addition to providing people with Pancreatic Cancer and Cancer in general with useful information based upon my experience with Cancer through my mother I have started a business that helps people become mortgage and debt free. Imagine the burden that can be lifted off of you when you own your home outright and have no mortgage payments. Now imagine what it would be like to not only have no mortgage payments but for your bills to be paid off as well such as car notes and credit card bills. Cancer can leave behind devastating debt such as medical and prescription bills on top of debt that was already present before the bills associated with the disease surfaced. Many Cancer patients have to get home care and then there is hospice, legal fees and funeral costs. My job is to help people clear the debt out of their lives so that they can go on living with less pressure.

The way I do this is by introducing people to a little known financial system developed in Australia that is now available in the US and Canada. It is not a bi-weekly or debt roll down program but an advanced financial system that allows people to pay off their mortgages and debt in one third to one half the time allowing them to save thousands and even tens of thousands of dollars in interest while becoming mortgage and debt free. It would have been so much easier on my dad if his home was paid off while my mother went through her dramatic episode with Pancreatic Cancer. Had his mortgage and debt been paid off before she was diagnosed more money would have been available during the Cancer treatment process. You would be amazed as to how many people go into debt while they or a loved one has Cancer. Debt can add up quickly by charging medical bills and medication on credit cards. Some people even skip their house notes to pay medical bills as it is the most important issue at that time. I don’t want to help you prioritize debt I want to help you be free from the burden of debt and if you are a home owner I want you to be mortgage free as well.

One person that recently went through this program that I am offering had 8 years left on their mortgage when they started and paid off their mortgage, truck note and credit card debt in less than 13 months with virtually no changes to their current lifestyle on the same income they had always been on. Cancer really hurts badly for the Cancer patient and for those who know and love Cancer victims. I will give you a free analysis on how you can be mortgage and debt free in 1/3 to ½ the time on your current income to see if I can help you in any way. I am also available for contact for more suggestions on dealing with Cancer; specifically Pancreatic Cancer. My thoughts and prayers are with you.

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Source by Deneene A. Collins

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Where to Find Those Efficient and Hardworking Affiliates?

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Everyone wants a hardworking affiliate, employee, associate, partner, or even spouse, and why not? It’s the next best thing to doing the work yourself. However with the massive outbreak of work and income opportunities available online, how can you beat everyone else and find that one (or more) ideal person who will make your online business explode with success? Here are some of the most ingenious and uncommon ways to snag the idea affiliates for your affiliate program

Direct Sales Agents

Direct sales people are really one of the most enterprising, hard-working individuals in business. They mostly work on commissions or rebates and are willing to literally go door-to-door offering their products to anyone and everyone they bump into. Imagine how much easier their job would be if they could be an affiliate and simply work via the Internet and a mobile device or desktop.

Also, most direct sales people tend to carry more than one brand in their product arsenal so signing up as an affiliate would be almost the same type of work but using a different approach.

Colleges and Universities

Many college kids would be interested in a part-time income opportunity if it would mean funds to help pay for their education, loan, or partying. All you have to do is make sure to offer them products they can endorse as a student.

Freelancers

Did you know that the U.S. Census Bureau’s latest annual report show that 75% of U.S. businesses used freelancers in 2011? Freelancers earned a whopping US$990 billion in 2011 which is a 4.1% increase from the previous year. The only industries where the number of freelancers decreased were in insurance, finance, and construction. Most probably your affiliate program isn’t a part of these 3 industries.

Furthermore, online business and finance experts are predicting the growth to increase incrementally every year even with an economy that is improving. People just want income security and more control over their earnings. With the spate of lay-offs, it’s understandable why many would prefer to work as an affiliate than as an employee.

Scout For Them At Affiliate Conventions

There are annual affiliate conventions held in different cities around the country. You should try to catch one when it is held somewhere near your location. The average turn-out for these types of conventions has increased regularly over the years. Last year, many of them were sold out weeks before the event.

Advertise!

The US Census Bureau has said that as of 2012, 15% of Americans are poor, 43% of young adults depend on their parents to some extent for money. Even more surprising is that the median income of young adults in 1982 was $31,583 and last year it was $30,604 for the same age group! Income is dropping and people are looking for ways to earn additional income outside of their 9 to 5 jobs. That’s where you can come in playing the hero and helping others realize their dream income.

Finally, go online and talk about your product. Make the affiliate marketers come to you and have the luxury of picking the best candidates. You will need some help in marketing your affiliate program so target a marketer who’s experienced in affiliate program and SEO.

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Source by Lina Stakauskaite

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Recession Is Here… Six Costly Mistakes Home Sellers Make During Recessions And How To Avoid Them

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The U.S. is officially in a recession. What is a recession? A recession is a business cycle contraction or general economic decline due to significant drop in spending and other commercial activities. Most pundits and politicians will blame Covid-19 crisis for the recession, but even pre-Covid-19 the proverbial writing was on the wall.

The U.S. had over 120 months of economic growth, which was the longest expansion in the modern history. Other indicators, such as negative yield spread on treasuries (long term bonds having lower interest rates than short term T-notes), were pointing to an imminent change of the economic cycle and an impending recession. The only real question was: when and how bad?

Then Covid-19 came… If the cycle was going to change anyway, Covid-19 acted as a huge and unexpected accelerant to make the recession much more immediate and severe.

Inevitably during recessions all classes of real estate, including residential homes and condominiums, will be negatively impacted as lower consumer spending and higher unemployment rates affect real estate prices and marketing times.

Here are the six costly mistakes home and other real property sellers make during recessions and how to avoid them:

Mistake #1: This will pass and real estate market will be hot again soon

First thing to remember is that real estate cycles are much longer than general economic cycles. Even if the general economy recovers, which eventually it always does, a typical real estate cycle takes as long as 10 to 15 years. The cycle has four key stages: Top, Decline, Bottom and Rise.

Let us consider the last real estate cycle, which lasted approximately 14 years:

  • 2006 – Prices hit the Top
  • 2006 to 2012 – Prices Decline
  • 2012 – Prices hit the Bottom (Trough)
  • 2012 to 2019 – Prices Rise*
  • 2020 – Prices hit the Top
  • 2020 to? – Prices Decline

*NOTE: In 2016 the national residential real estate price index reached its pre-recession 2006 peak levels. It took 10 years for the real estate market to recover.

The way to avoid this mistake is to recognize that real estate cycles take years to run and plan accordingly. Additionally, nobody knows for sure when the prices will hit the top or bottom until after the fact.

Mistake #2: Low interest rates will make the economy and real estate market rebound

Between 2006 and 2011 the interest rates (Fed Funds) were continuously cut by the Federal Reserve Board and went from low 5% to almost 0%. However, that did not stop the real estate recession and depreciation of property values.

Undoubtedly, low interest rates made the economic decline and real estate recession less severe and saved some properties from foreclosures, but it still took six painful years for the real estate market to hit the bottom and then four more years for the prices to go back to their pre-recession levels.

Some markets had never fully recovered. For example, residential home prices in some parts of California, Arizona and Nevada are still below their 2006 highs.

To avoid this mistake, one needs to realize that although low interest rates help stimulate the economy and the real estate market, they do not cure them.

Mistake #3: I don’t need to sell now, so I don’t care

If you do not need to sell until the cycle plays out, which typically is over ten years, then you will not be as affected, especially if you have a strong equity position, limited mortgage debt, and solid liquid assets.

However, it is good to keep in mind that “life happens” and either professional or personal circumstances can change and we may need to sell property before the downturn runs its course.

Furthermore, if a property has a mortgages and its value declines to the point being “upside down,” meaning the mortgage loan balance exceeds the value of the property, then the options of selling, refinancing or even obtaining an equity line of credit, will be significantly limited.

This does not mean that everybody should be rushing into selling their real estate if there is no need to do so, just keep in mind that circumstances may and often do change and property options will be affected, so plan in advance. As one wise proverb says: “Dig your well before your thirst.”

Mistake #4: I’m selling, but I won’t sell below my “bottom line” price

This is a common and potentially very costly mistake. Generally speaking, every seller wants to sell for the highest price and every buyer wants to pay the lowest price. That’s nothing new. When selling real estate, most sellers want to achieve a certain price point and/or have a “bottom line.”

However, it is important to understand that the market does not care what the Seller, or his/her Agent, think the property value should be at. The market value is a price a willing and able buyer will pay, when a property is offered on an open market for a reasonable amount of time.

Overpricing property based on Seller’s subjective value or what is sometimes called an “aspirational price,” especially in a declining market, is a sure first step to losing money. When a property lingers on the market for an extended period of time, carrying costs will continue to accumulate and property value will depreciate in line with the market conditions.

Additionally, properties with prolonged marketing times tend to get “stale” and attract fewer buyers. The solution is to honestly assess your selling objectives, including the desired time-frame, evaluate your property’s attributes and physical condition, analyze comparable sales and market conditions, and then decide on market-based pricing and marketing strategies.

Mistake #5: I will list my property for sale only with Agent who promises the highest price

Real estate is a competitive business and real estate agents compete to list properties for sale which generate their sales commission incomes. It is not unusual that Seller will interview several agents before signing an exclusive listing agreement and go with the agent who agrees to list the property at the highest price, often regardless if such price is market-based.

Similarly to Mistake #4, this mistake can be very damaging to Sellers, as overpriced properties stay on the market for extended periods of time costing Sellers carrying expenses such as mortgage payments, property taxes, insurance, utilities and maintenance.

Furthermore, there is the “opportunity cost” since the equity is “frozen,” and it cannot be deployed elsewhere till the property is sold. However, the most expensive cost is the loss of property value while the real estate market deteriorates.

During the last recession, we have seen multiple cases where overpriced properties stayed on the market for years and ended up selling for 25% to 40% below their initial fair market values.

The solution is to make sure that your pricing strategy is based on the market, not empty promises or wishful thinking.

Mistake #6: I will list my property only with Agent who charges the lowest commission

Real estate commission rates are negotiable and not set by law. A commission usually represents the highest transactional expense in selling real properties and is typically split between Brokers and Agents who work on the transaction

Some real estate agents offer discounted commissions, in order to induce Sellers to list their properties with them. But does paying a discounted commission ensure savings for the Seller? Not necessarily.

For example, if the final sales price is 5% to 10% below property’s highest market value, which is not that unusual, due to inadequate marketing, bad pricing strategy, and/or poor negotiation skills, it will easily wipe out any commission savings and actually cost the Seller tens of thousands of dollars in lost revenues.

The solution is to engage an agent who is a “Trusted Advisor,” not just a “Salesperson.” A Trusted Advisor will take his/her time and effort to do the following: 1) Perform Needs Analysis: listen and understand your property needs and concerns; 2) Prepare Property Analysis: thoroughly evaluate your property and market conditions; 3) Execute Sales and Marketing Plan: prepare and implement custom sales and marketing plan for your property; and 4) Obtain Optimal Results: be your trusted advocate throughout the process and achieve the best possible outcome.

Finding such a real estate professional may not be always easy, but it certainly is worth the effort and will pay off at the end.

In conclusion, this article has outlined six costly mistakes real estate Sellers make during recessions and how to avoid them. The first mistake is not understanding that real estate cycles are long and take years. The second mistake is a misconception that low interest rates alone will create a recovery. Another mistake is not realizing that circumstances may change and not planning in advance. Mistakes number four, five and six pertain to understanding the market value, proper pricing and selecting the right real estate professional.

By understanding and avoiding these mistakes, real estate Sellers have significantly better chances of minimizing the negative impact of a recession while selling their properties.

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Source by Robert W. Dudek

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Useful Tips To Build The Best Gaming Computer

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Every gamer will want their computer to be the best gaming computer among their peers. Sometimes, with a little knowledge and tips and tricks, it is possible to build the best gaming computer and show it off to your peers. This article will show you how:

1) You can’t get the best gaming computer from computer retailers

If you want to get the best gaming computer, you have to build your own. Different gamers have different requirement for their gaming machine. Unless you are willing to pay a high price, you will not be able to buy a commercial computer that fulfills all your gaming needs. The only option you have is to build your own gaming computer.

2) You don’t have to be rich to build the best gaming computer

It is not necessary to burn a hole in your pocket to build the best gaming computer. With some due diligence, do some market research and compare prices around the marketplace. Merchant such as TigerDirect and NewEgg give regular discount to their products and you could save a lot of money if you catch them during their promotional period.

3) Most expensive parts do not have to be the best part

Sometime, the latest model or the most expensive model does not have to be the best part for your computer. It requires various components to work together to form the best computer system. When choosing a computer part, what matters is how well it can integrate with the rest of the components. Compatibility is more important than individual performance. What use is there if you spend lot of money on the latest quad-core processor and find that your motherboard doesn’t support it?

4) You don’t need to change the whole PC to own the best gaming computer

It is a misconception that you have to change the whole gaming machine to build the best gaming computer. If you already have a good barebone system, what you need to do is to upgrade the necessary parts and your gaming computer can roar back to life instantly.

5) Brand is important

Unless you want to see your computer system malfunction every few days, it is important that you purchase the parts from branded manufacturers with strict quality control. Motherboard brand such as Gigabyte, ABIT, ASUS are some quality brands that you can consider

If you follow diligently to the tips stated above. You will be on your way to build the best gaming computer. While price can be an issue, it is better not to scrimp on important computer parts such as motherboard, CPU, RAM and graphics card as it will cost you more to upgrade in the future.

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Source by Damien Oh

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