Essential Facts Regarding HELOC Loans

Category : Region I

Essential Facts Regarding HELOC Loans

There are some home equity lines of credit that are recognized as HELOCs. Different than more traditional home equity loans, with a HELOC not all of the money is given to the borrower. Once the credit limit has been determined, the borrower can use the HELOC as a credit card, taking out any desired sum provided that it does not go over the total balance of the loan.

Typically home equity loans are not used for everyday bills and are kept, unlike a credit card, for more significant situations, for example unforeseen medical expenses, college and home renovations. Specifically, a home equity line of credit is a loan in which the financial institution agrees to lend a maximum amount within an agreed period (called a term), where the borrower’s equity in his/her house becomes the collateral for the line of credit.

One main variation between a HELOC and an ordinary loan is the fact that with a HELOC the interest charge is variable. Because of the fact that the determining factor in fomulating the rate of interest is the prime rate index, it is imminent that the rate will fluctuate periodically. No two lenders calculate the margin of a home equity loan the same, so this means that rates will vary significantly from lender to lender.

People in the lending industry consider a HELOC to be the same as a second mortgage. HELOCs were quite popular a decade ago partly because in some circumstances, interest payments were deductible under federal and some state laws. Flexible borrowing and repayment plans are also factors in the HELOC’s rising attractivness.

A borrower can make any size payment as long as it is less than the total amount and at least the minimum obligation, which is usually evaluated on the basis of the rate of interest. Funds from a HELOC loan can be withdrawn during what is known as the “draw period’, which is usually between 5-25 years. Repayment consists of the total taken out plus interest.

Conventional mortgages are normally a non-recourse loan, which means they’re secured by a promise of collateral, which is the home itself, in the case of a home equity loan. Liability is a key difference between traditional loans and a HELOC as with a traditional loan the borrower is not personally liable but with a HELOC, that may not be the case. A recourse debt in the case of a foreclosure proceeding can force a borrower to be personally liable.

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The Soul Nature of Essential Oils

Category : Region IV

The Soul Nature of Essential Oils

Copyright 2007 by Joseph Ben Hil-Meyer Research, Inc.

Bruce Berkowsky, N.M.D, M.H., M.M.C.

Phytoessences (plant essential oils) exert emotional and physical effects via the perception of their respective scents. The olfactory nerves: nerves related to the sense of smell are directly connected to cerebral centers, including the hypothalamus: a crucial portion of the brain stem. Phytoessences contain very active biochemical components including hormone precursors which can be utilized by the organism’s physical plane. The hypothalamus plays a pivotal role both in maintaining physiological homeostasis and by serving as the link between the autonomic nervous and endocrine (hormonal) systems.

In addition to essential oils providing benefit on a physical level, they also exert a strong influence upon the psycho-spiritual plane. I designed the art of Spiritual PhytoEssencing (SPE) to help an individual overcome the separation from one’s higher self that lies at the core of emotional and physical disharmony. SPE is a synthesis of certain aspects of aromatherapy, herbal folklore and medicine, doctrine of signatures, classical homeopathy, modern physiology, Kabbalah, anthroposophical science, Chinese medicine, depth psychology, gemstone healing and color therapy.

In SPE, the bioenergetic, rather than the chemical, aspect of an essential oil is given greater emphasis. Plants are alive, and everything that lives has a soul. The essential oil is the carrier of the soul of the plant. Rudolf Steiner, the founder of anthroposophical medicine, notes: “Matter is most spiritual in the perfume of the plant…When the spirit most closely approaches the physical earth, then we have the perception of fragrance.” An essential oil, the bonding medium for the soul of the plant, is uniquely suited to act as the physical entity that can facilitate an interface between plant and human souls.

Imaginative consciousness is an important element in SPE. In the context of this discussion, the term imaginative consciousness refers to overcoming the limitations of analysis of the material aspects of the oils performed exclusively by the senses and intellect via a complementary perception of the spiritual roots which sustain said material aspects. While these formative processes are imperceptible, they nevertheless are the source of all the material properties of an essential oil. Every living cell must be animated by a vital force, or “ensouled,” and it’s this incarnation of higher forces into living tissue that lends each organism its tangible expression. Hence, when using essential oils for psycho-spiritual work, all of the physical features, folkloric and historical associations, etc. of the plant can be used to develop an understanding of its spiritual roots.

In the following section, I have combined the conventional properties and indications for two essential oils discussed with a brief description of the psycho-spiritual themes (as elaborated by the SPE synthesis) specific to each oil. The psycho-spiritual perspective provides crucial information which allows for precise individualization of the therapeutic use of these oils. A general principle of clinical practice is: The success of a given therapy is directly proportional to the degree that said therapy is individualized. While general measures are hit or miss, individualized therapy is precisely targeted. Ideally, one should select essential oils that “fit the case” on both physical and psycho-spiritual levels. When this is done, the impression that the oil makes upon the organism is far deeper and longer-lasting.

Rosemary Oil

Properties and Indications: general detoxification; cardiovascular tonic; increases arterial and peripheral circulation; aids degenerative tissue; stimulates circulation and metabolism of skin layers; memory loss; mental strain and fatigue; poor concentration; lethargy; depression; inhibited expression of thoughts and feelings; lack of self-confidence; low self-esteem; poor resolve; negativity; over-thinking; nerve weakness; exhaustion; paralysis; fluid retention; obesity; muscle pains, cramps, sprains, contractures, arthritis and myalgia; and varicose veins; damaged skin; cellulite.

Among essential oils, rosemary is one of the highest in hydrogen-content, and this element is particularly influential regarding rosemary oil’s soul-nature. Hydrogen is the most volatile element, and it strives continuously to escape from the Earth’s grasp back to the cosmos from which it came. Hydrogen is the lightest of the elements and highly inflammable. Hydrogen can almost never be encountered on earth in its free state. Hydrogen, as an active gas is bi-atomic (i.e., occurs as H2, meaning 2 atoms of hydrogen bonded together). Essential oils are primarily hydrocarbons; in other words, they are built from hydrogen and carbon. Among other things, carbon serves to anchor hydrogen and prevent its escape from Earth. Astrologically, rosemary is ruled by the sun. Significantly, the sun and other stars consist almost entirely of hydrogen. Nearly the entire cosmos was constituted out of hydrogen. It is estimated that 90% of all atoms and 75% of the mass of the universe are made of hydrogen. Rosemary is not only ruled by the sun but requires plentiful sunlight and warmth in order to flourish. The thermonuclear fusion of hydrogen nuclei supplies the universe with its light and heat.

Given rosemary’s association with hydrogen, it’s not surprising that one of the central themes of the rosemary oil type is the desire to become unified—for all the loose parts to coalesce into harmonious “oneness.” She has a strong desire to experience the world as one total unity—to have a symbiotic relationship with another being and attain unity with God. However, she’s still in touch with the universe, and so, at times may feel as if she’s separated from her body and estranged from her family and/or society. She is prone to feeling betrayed, rejected or abandoned, and her desire for having a total experience of oneness may encourage nervous exhaustion. Ultimately, she has difficulty achieving anything and desperately looks for something to hold on to. She may develop the delusional feeling that she has not fully incarnated into this world. Using this description, we can say that one of the main feelings of the rosemary oil type is the issue of whether “to be or not to be.” In other words, she must make a decision as to whether to commit to material existence with all its degrees of separation and harsh realities or opt for the idealized oneness which only death or a delusional, ethereal, invariably dysfunctional, state can sustain.

A central theme related to rosemary is: If I can stay warm (on both physical and spiritual levels), remember (what is good in my life and those who have been good to me) to be faithful (to God, my family, marriage, ideals) and achieve harmonious “oneness” (within myself, with a partner, God and the universe), everything will be okay.

Yarrow Oil

Properties and Indications: lymphatic stimulant; vascular tonic; stimulates blood renewal; depression; anger; anger associated with emotional wounding or feelings of vulnerability; easily annoyed; bitterness; grief or loss; feelings of rejection; stress-related conditions; hemorrhage; sinus and/or respiratory congestion; hemorrhoids; varicose veins; backache; rheumatism.

Yarrow (Achillea millefolium) is named for the Greek hero Achilles who used the herb to treat his wounded soldiers during the siege of Troy. In fact, yarrow was used in this capacity up to and through the American Civil War. Achilles, who was predisposed by his mother from birth to play the role of hero, chose to live a short, glorious life rather than a long, uneventful one. In ancient Rome, yarrow was dedicated to the spilling of blood in honor of Mars, the god of war. Also, yarrow has a rich tradition for the treatment of wounds inflicted by weapons and was once referred to as “Military Herb” or “Soldier’s Wound Wort.” Yet there is a unique polarity in yarrow in that it also has a soft, yielding side to its nature for which its many soft, finely-branched leaves are a prominent signature. Furthermore, the English name yarrow is derived from the Old English word gearwe which means “the healer.”

The Romans believed that yarrow could be used to court the favor of Venus, the Roman goddess of love, who intervenes in affairs of the heart. The characteristic love theme of yarrow is of the “my heart bleeds for you” variety; this type of passion is imbued with a subtle subtext of violence. A yarrow-type typically sees courtship as a process of “winning her hand.” In other words, love is not unlike war, because it involves tactical maneuvering and the feeling of I must have her. I cannot lose, or I will be mortally wounded. Think of yarrow for blood feuds over love. Romeo and Juliet is a play with yarrow undertones. Yarrow may also be useful in other love and “giving” situations which feature violent aspects such as: uterine spasms after a hard-birth delivery, and recovery from the consequences of donating blood (a form of deliberate self-wounding out of compassion for someone else).

In the yarrow picture, one can clearly perceive the themes of urgency: do or die, and must take risks to recover lost ground and/or maintain a position of comfort. Yarrow oil is specific for the individual for whom life is a form of combat. Love, family, career all engender battles. The yarrow type tends to be an intellectual idealist who opts for the road less traveled. And settling into a job which is not his true calling or marrying a woman who is not his true soul-mate, is anathema. Hence, he approaches his career, courtship, etc. with a sense of urgency, a need to take risks, a feeling of do or die. The world is not kind to idealists who are willing to put it all on the line, and inevitably the yarrow type does have to fight a lot of battles and suffer many wounds. The cumulative effect of these struggles and wounds wears the yarrow type down, and he can become debilitated and angry, bitter, melancholy and filled with self-doubt. The yarrow oil picture has the symptoms: fear of heights and dreams of falling, both of which suggest trepidation about being ousted from a position of power or losing a hard-won position of comfort. However, no matter how bad things get, he remains hopeful, knowing that if only certain pieces would come together just so, he would be able to achieve the victory, and the position of comfort it affords, that he so ardently desires.

Click here to sign up for Dr. Berkowsky’s free, on-line Journal Of Spiritual PhytoEssencing

Dr. Bruce Berkowsky is President of Joseph Ben Hil-Meyer Research, Inc., Natural Health Science Advisor to the Institute of Applied Biochemistry and Fellow and member of the faculty and Research Council of The British Institute of Homeopathy (1994 recipient of the Hahnemann Award).


He is the founder/teacher of both Spiritual PhytoEssencing and the Natural Health Science Systemtm which he designed following 25-years of research and clinical practice, and includes herbology, nutrition, homeopathy, aromatherapy, exercise, traditional nature-cure as well as East/West healing arts/bodywork.


Dr. Berkowsky teaches in-depth seminars/workshops to health-care professionals. He writes an internationally acclaimed journal: Nature’s Therapiestm , contributes articles to several national and international health magazines and journals and has been a popular guest on many radio- and TV talk-shows.


Contact information: DrBruceB@cnw.com. To subscribe to his free e-mail newsletter: Nature’s Therapies On-Line or to learn more about his Spiritual PhytoEssencing Diploma and Master’s Courses workshops, tapes, books, and more, log on to: www.NaturalHealthScience.com


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Visualization- an Essential Method for Teaching Modern Languages

Category : Pharmacy Students

Visualization- an Essential Method for Teaching Modern Languages

In order to make a language class successful one has to try to match its content with various methods aiming to make studying exciting and engaging. The usage of modern technological equipment ought to be taken in consideration when preparing teaching materials for a language course.

 

Needless to say, one has to always keep in mind the following objectives when teaching a language class:

 

1.      to develop the intellectual potential of the student

 

2.      to raise his/her interest towards the culture and the civilization of the country whose language one teaches

 

3.      to teach the student to decrypt the texts written in a foreign language

 

4.      to provide the student with procedures, means and methods that would make him/her be able to communicate orally and in writing with a native speaker

 

The last objective can be reached by using CDs, where voices of native speakers are recorded. It can be a vocabulary class, when a bingo game is used to have the student match the picture with the name pronounced by the virtual teacher; a grammar exercise where the sentence is built as a puzzle; or a movie with subtitles that help the student at the beginning level to better understand the language pronunciation. This visualization tool helps students with both visual and non-visual minds.

 

When teaching a language course using CDs, the teacher can easily find out that the students are more prone to join debates and discussions at the end of each activity. They try to recall what they just studied and often attempt to mimic the models observed on the CDs with other peers. In the process they often try to use the same pronunciation and imitate the voice. As a result, one can notice that individual and collective thinking become more developed. Consequently, one third of the work is done by the student itself. The student becomes not only a recipient of information, but also an active member of the group. He or she becomes his or her own co-participant of the studying process.

 

Here, one should also talk about the so-called programmed instruction, which is performed independently by the student, under the teacher’s supervision. The work in video and audio laboratories is a perfect example.  The student progresses in his/her own rhythm. He/she establishes his/her own objectives and reaches them in his/her own way. In case there are not enough computers, team work is useful. Moreover, when this is a movie that needs to be discussed at the end, the group or several small groups can be made up to achieve the objectives. In these cases the teacher is required to have a rich imagination and flexibility.

 

An article of the Romanian magazine “Computer World” argues that the benefits of computerized education are real: “We don’t have to ask ourselves if the teaching process gets better by means of computerized language methods utilization,” it claims. “It is obvious that the methods of teaching are unconquerable:  interactivity, operational precision, capacity to offer multiple and dynamic representations of different phenomenon. Also, there is a constant interaction with every student.”

 

G. de Landshere, a famous methodology expert, has been always pointing out that the educational process needs to be always intense and has to be inspired from the cognitive psychology. He has been striking the importance of suppression of the routine methods by the modern techniques. Speaking of this, it is opportune to affirm that the CDs ensure the active construction of the knowledge, significant contexts for learning, promoting reflection, absolving the student from routine activities, stimulating his intellectual activity.

 

Modern pedagogy has to research the experience of the European and American professionals and try to understand why the new methods of teaching modern languages using the software had such a great success there. The foreign languages professors struggle to study the educational system by formulating new problems that might appear at the social horizon and they consider this as their important mission to experimentally verify and prepare solutions for the moment when society reaches that horizon.

 

What are the chances that this method has the same success here? The chances can be estimated only if the method is implemented in the core-curriculum of the specific classes. The method has been used  in a case study with  groups of medical student form the University of Medicine and Pharmacy. The outcome was plausible. Students got more interested in the class, they shared their experience with the colleague from the other faculties, and they asked me to keep using this method in the next modules. The use of informatics tools and the use of the visualization in the modern languages courses is the horizon of today’s historical moment.  

 

There is an idea, entirely accepted by the specialists, that the educational soft is classified accordingly to the specific pedagogical function to have in the instruction process: exercise, interactive presentation of knowledge, simulation of models and phenomenon, testing the abilities, relaxation during the educational process due to game activities.

 

The studies made on the international lever lead to different important conclusions:

 

the memorization time is reduced, the material is so interesting that the memorization happens in a shorter delay of time
the attitude towards computer based education gets positively changed
computer based education is more efficient as complementary instruction rather than an alternative form
strategies base on the computer education are good enough for the elementary level of education as well as for the advanced one

 

Specialized shops exhibit a variety of CDs that make us study various conversational topics, new vocabulary, and dialogues, watch movies, and play games. And all this for one purpose: to easier and better speak a foreign language.  The final result would be a diversification of the intellectual abilities, gathering of a new reserve of words.  The software presents images, songs, game animation, business discussions, shopping and restaurant conversation situations, as well as maps of the country whose language is to be studied. The maps are also sounded. Pushing the image of a city the soft makes you listen to the pronunciation of that very topographic name. These multimedia CDs are a treasure and a condition sine qua non of a more productive and efficient language learning.

 

To sum up, I would like to point out that we have to keep insisting on the inclusion of this modern method in the curricula and always struggle against the unjustified fear towards new communication technologies in order not to limit or stop the creative spirit of the professor and the student.

 

Viorica Demici, MA American Studies