Herbs For Rheumatoid Arthritis Arthritis in TCM
In traditional Chinese medicine, the condition that is congruent with arthritis is called “Bi syndrome.” Bi syndrome manifests as pain, soreness, or numbness of muscles, tendons and joints, and is the result of the body being “invaded” by the external climatological factors of Wind, Cold, Heat, and/or Dampness. The symptoms manifested by the individual depend on which external pathogenic factor is strongest. The four main patterns of Bi syndrome are differentiated below, and the leading herbs that are used to treat each pattern are listed.
In the West, anti-inflammatory drugs are commonly prescribed for arthritis. In the East, acupuncture and Chinese herbal medicine, with their thousand-year-old history, are the major health care modalities used to fight joint and musculo-skeletal disorders including arthritis. These ancient therapies are still used because they are empirically effective, and have stood the test of time. Now they are standing to meet the tests of Western medicine.
TCM typically does not make a diagnostic distinction between osteoarthritis and rheumatoid arthritis. Instead, it makes a diagnostic distinction based on the predominance of Wind, Cold, Damp, or Heat symptoms. While many of these pathogenic factors usually are found togetherWind is said to carry the others into the bodyeach has a separate set of symptoms, with one factor playing a primary role. Diagnoses of secondary manifestations of conditions such as Blood Stasis and Phlegm are based on symptoms as well. Bone Bi may be differentiated into the following categories:
Wind Bi: Wind predominates when a patient exhibits pain that begins and ends rapidly, limits the range of comfortable movement, and moves among different parts of the body. Windy weather can make the symptoms worse. Such patients also may have an aversion to wind, have a floating pulse, and a normally colored tongue with a thin, white coating. Because this type of Bi moves from area to area, it is also known as “Wandering Bi.”
Herbs For Rheumatoid Arthritis
Cold Bi: Cold predominates when the pain is severe, limits the range of comfortable movement, and has fixed locations. Cold temperatures worsen the condition, and warmth improves it. A patient suffering from Cold Bi may have an aversion to cold, his or her pulse may be tight, and the tongue may have a white coating. Because this type of Bi usually results in severe pain, it is also known as “Painful Bi.”
Damp Bi: Damp predominates when the pain is characterized by soreness, limits the range of comfortable movement, and is accompanied by feelings of heaviness and sometimes numbness. While many areas of the body may be affected, the pain tends to remain in those places. Dampness worsens the condition and there may be swelling in the affected areas.
These patients usually have an aversion to damp weather. Their pulse may be slippery and their tongue may have a greasy
coating. Because this type of Bi is characterized by fixed areas of pain and sensations of heaviness, it is also known as “Fixed Bi.”
Heat Bi: Heat predominates when a Wind-Cold-Damp syndrome results in a greatly reduced flow of Qi and Blood through a joint, causing constraint. Constraint
in TCM theory can cause Heat. Heat Bi is characterized by inflamed, red, swollen joints. The tongue may be red with a yellow coating, and the pulse may be rapid.
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source:http://www.tcmadvisory.com/index.asp
There are so many hair styling products available in the market that it can be very difficult and confusing while trying to understand which hair styling product will be right for the kind of hair one possesses. Knowing about what each hair styling product can make the hair styling procedure fun and very easy to perform. Most of the hair styling products available in the market can be used both by the women and men but then lot of cosmetic companies have started producing mens exclusive range of hair styling products to encourage them to use such products.
Before using any hair styling product on the hair, everyone should use a quality shampoo and conditioner, which make the hair free from dirt and dust and also adds moisture to the hair so that the hair can deal with the drying effects caused by the hair styling products which is applied later.
Mousses and root volumizers are meant to add volume to the hair. They are light weight products and mousse is applied in the form of foam directly to the length of the hair, while root volumizer in the form of a liquid or spray is applied to the root area of the hair alone. To get the desired effect a round brush and a blow drier are used to make the volume and height increase. While using mousse it is good to use a handful and then distribute it evenly over the hair.
Hair gels are normally used as a firm hold styling product. When applied on a dry hair, it gives a slicked back appearance and when applied on a wet or damp hair it makes it a general styling product. Many gels have shine enhancer and are available in various colors to enhance or match the hair color of the person.
Crmes, pomades, fiber gums or molding pastes are used as finishing hair styling products to hold the hair in place. Such kinds of products are used after the hair is styled. The products are rubbed on the hands and finger combed through the hair to give a pattern or definition, the hairs can be pulled down or kept in place or make them spike up or applied on the roots to produce volume etc. Since the products come with shine enhancers, they give a good and nice finish to the hair style. They also have conditioners and moisturizers to nourish the hair all the day. These products can be used on both short and long hair.
Styling lotions consists of resins which form a film over the hair and aid setting. They also protect the hair from damage caused by heat. They are used for scrunching, roller setting, natural drying and blow drying. When styling lotions for heat setting is used look for the formulations which provide thermal protection to hair.
Finish creams are used for taming fly away hair and they leave a healthy shine to the hair. They are rubbed on the hands and then slicked over the hair to provide natural sleekness and luster to the hair. Finish creams and anti frizz products are specific to various hair colors.
Recent financial industry distress publicly attributed to widespread mortgage loan defaults has generated mounting pressure on federal prosecutors to increase investigations into incidents of mortgage fraud across the nation. On February 6, 2004, CNN reported that the FBI warned that mortgage fraud was becoming so rampant that the resulting epidemic of fraud could trigger a massive financial crisis. Mortgage fraud has now become so prevalent that the United States Department of Justice and the Federal Bureau of Investigation have been forced to create an entirely new category for tracking these cases. According to a CBS news report, the number of FBI agents assigned to mortgage related crimes increased by 50 percent from 2007 to 2008. Prosecutors and investigators on both the state and local levels are also feverishly organizing task forces and creating real estate fraud departments to counter this burgeoning wave of crime.
CRIME & PUNISHMENT
The primary focus of these investigations appears to be on borrowers, investors, mortgage brokers, appraisers and real estate agents. Some of the charges levied against these perpetrators have included making false statements on loan applications, bank fraud, mail fraud, wire fraud, conspiracy to launder funds and a number of applicable state laws. However, the primary legal vehicle implemented by federal prosecutors has been section 1014 of Title 18 of the United States Code which declares mortgage fraud as a federal crime encompassing anyone who willfully overvalues any land or property, or knowingly makes any false statement, for the purpose of influencing a financial institution upon a loan application, purchase agreement or other related documents. A violation of the federal mortgage fraud law (18 U.S.C. 1014) alone is punishable by up to thirty years imprisonment and a one million dollar fine.
MORTGAGE FRAUD SCHEMES
The most effective way to avoid prosecution for mortgage fraud is to identify mortgage fraud schemes prior to any actual involvement. Most mortgage fraud offenses fall into one of two general categories: fraud for housing and fraud for profit. Fraud for housing often involves fraudulent acts committed by a borrower, often coached by his or her mortgage broker or real estate agent, to obtain a loan for the ultimate goal of acquiring a home. These fraudulent facts generally pertain to the falsification of facts and documents during the loan application process to enable the borrower to obtain financing that he or she would otherwise not be qualified to receive. Conversely, fraud for profit typically involves a more concerted plan to abuse the entire real estate transactional process for pecuniary gain.
FRAUD FOR HOUSING
Income Fraud
This occurs when a borrower inflates his or her amount of income to qualify for a loan or a larger loan amount. Although recent reductions in the use of stated income or no-doc liar loans has somewhat curbed income fraud, daring borrowers are increasingly generating more fraudulent documents to falsify income. Information technology and photocopy equipment have become so advanced that very convincing documentation, such as income statements, savings accounts and tax returns, can be produced on demand.
Employment Fraud
In order to justify overstated income in a loan application, borrowers will claim self-employment in a non-existent company or represent having a higher position in a company than the borrower actually holds.
Failure to Disclose Liabilities
The debt-to-income ratio is an important part of the loan underwriting criteria used to determine a borrowers eligibility for mortgage loans. Consequently, borrowers will conceal financial obligations like newly acquired credit card debt, other mortgages, and private loans to artificially reduce their debt-to-income ratios.
Occupancy Fraud
Generally occurs when a borrower states on a loan application that he or she intends to occupy a property as a primary residence to secure a lower interest rate when the borrower actually intends to obtain the loan to acquire an investment property.
FRAUD FOR PROFIT
Equity Skimming and Cash-Back Schemes
A straw buyer is typically implemented as the buyer of the property due to his or her creditworthiness and resulting ability to obtain favorable financing. Unknowing straw buyers can be manipulated by mortgage brokers and real estate agents to purchase a property as a primary residence with the broker or agent later serving as a property manager to collect anticipated rental income. After the escrow closes and the mortgage and real estate brokers collect their commissions, they proceed to collect rental income and fail to make the mortgage payments.
Complex schemes can involve a knowing straw buyer, an appraiser who intentionally overstates the propertys value, a dishonest seller that intentionally inflates the selling price, and a dishonest settlement officer that makes undisclosed disbursements from the loan proceeds. All of these conspirators collaborate to collect portions of the proceeds of an inappropriately large loan before eventually letting it go into default.
Appraisal Fraud or Price Inflation
This fraud occurs when a dishonest appraiser intentionally overstates the value of a property or when an existing appraisal is altered to reflect a higher value. When a home is overvalued, more money can be obtained by the seller in a purchase transaction or by the borrower in a cash-out refinance.
The New Appraisal Fraud: Price Deflation
When done legitimately, a short sale occurs when a borrower that owes more than his or her property is worth sells the property below market value and the lender agrees to accept the lower repayment amount and forgive the difference. A new hybrid of fraud has emerged where an appraiser or a real estate agent drastically devalues the property in an appraisal or brokers price opinion (BPO) so that the home will sell with ease at a price well below market value. Of course the new buyer is in collaboration with the seller, agent and appraiser, so all of the conspirators proceed to sell the home at a higher price for a big profit.
Identity Theft
Identity theft fraud occurs when a victims identity is assumed by another to obtain a mortgage without ever intending to make any payments on the loan. The perpetrators often abscond with a portion of the loan proceeds and sometimes are daring enough to lease the property and collect some deposits and rental income before disappearing.
The Buy and Bail
This completely new scheme is perpetrated by a home owner who cannot sell the home because more is owed on the property than its worth. Because no lender will provide the owner a loan for a second primary residence, the owner tells the lender that he or she plans to rent out the current home despite having no intention of doing so. Sometimes a falsified rental agreement is used to further support the falsehood. Once the second home is purchased, the owner bails on the original home and fails to make any further mortgage payments.
AVOIDING & PREVENTING FRAUD
Mortgage fraud frequently emanates from groups that complete an abnormal amount of similar transactions or churn out many offers to purchase at once. These outfits may appear disorganized or unprofessional due to the large amount of transactions they are attempting to manage. It is also no coincidence that mortgage fraud has significantly increased as housing values have decreased since most fraud schemes involve a financially distressed or otherwise vulnerable seller. It is equally important to remember that agents owe a very strict fiduciary duty to act in their clients best interests. So before reporting a client to your local authorities, speak with legal counsel or your state real estate licensing department to ensure that your proposed actions dont constitute a breach of your fiduciary duty to your client.
Real estate agents are in a unique position that enables them to identify and even prevent the occurrence of fraud by recognizing the red flags, asking appropriate questions, and giving the principals in their transactions the full picture of what consequences are associated with participating in mortgage fraud. While a lot of damage has been done in the real estate market, we can prevent more of the same from occurring in the future.
When considering buying a real estate property, the foremost issue is of the capital required. Due to lack of sufficient capital, the real estate investor opts for mortgage loan i.e. loan acquired against an already existing real estate property and it is mainly given through banks or other regular institutions but it also has its fair share of drawbacks. Instead of a traditional mortgage loan, Private Lending Services for borrowers can be considered.
Real estate property costs a lot of money. If you are considering a traditional mortgage loan, then be prepared for a great risk. In a traditional mortgage loan, if you are unable to pay the loan back due to some reasons or if you pass away, the bank or the financial institution has the option to take away your home to pay the loan amount. Thus there is an inherent danger of losing your home in this type of loan. In the case of Private Lending Services for borrowers, this usually does not happen as the loan is given by Private Lenders Miami, FL to the borrowers taking into account the borrowers ability to pay the loan amount. Also in the case of such eventuality of failure of repayment of the loan in a traditional mortgage loan, entire property can be taken away by the traditional lender if the property amount is not more than the loan amount and therefore the heirs of the borrower cant expect any type of financial compensation from the lender. A traditional mortgage loan lender may require the borrower to maintain their property in proper condition as the borrowers property title is in the name of the lender. Borrowers in aged condition might not be able to take proper care of the property and thus will have to hire some person for the same, an additional cost burden on the borrower just to fulfill the loan requirement. Traditional mortgage loans give loans based on the borrowers credit scores and ones with bad isolated credit incidents and bankruptcy conditions are disqualified. Here is when Hard Money Private Lenders Miami, FL are quite beneficial. Borrowers with bad credit scores or even those who have undergone bankruptcy can qualify for the private mortgage loans given by Hard Money Private Lenders Miami, FL.
Last of all, there are a lot of bureaucratic rules for the fulfillment of a traditional mortgage loan, spread over a much longer time period. Thus the total amount paid for the loan increases because the interest is also to be paid along with the loan. A private mortgage loan given by Private Lenders Miami, FL take a relatively shorter period for processing as there is less documentation required and the transaction may even be completed in a day; also there are a variety of low interest options to choose from.
A bank account is very important for OFW since it will be the account where the money will be sent from abroad. Opening a new bank account can be hard since you do not know which bank is the best for your criteria. There are really many banks in the Philippines so selecting one is not easy. In this article, you can learn which bank to use to send money to the Philippines.
1. Banco de Oro
Last year, Banco de Oro or commonly known as BDO held the highest portion of OFW remittances so it was named by Central Bank o f the Philippines as the No.1 bank of OFW remittance. BDO has services that it exclusively offer to OFW and their relatives like the Kabayan savings account with only P50 initial deposit with no maintaining balance as long it will be used for remittance. Just like other banks, BDO has Internet banking, phone, mobile and ATM banking across the country.
2. BPI
Recently, Finance Asia awarded Bank of the Philippine Islands as the best bank in the country for cash management in 2009. BPI is my choice bank for sending money to the Philippines. It has the best care fo its customer and very quick in responding to their client’s needs.
3. Metrobank
Metrobank is a famousr bank in the Philippines and listed as a public company in the Philippine Stock Exchange. Last year, it belongs to the top five remittance bank of OFW. It has a wide network of branches not only in the Philippines but also in other countries like US, European countries, Korea and Middle East countries. Many OFW likes Metrobank because of its good customer service and plenty of branches all over the country.
4. Chinabank
ChinaBank ranks fourth as the largest universal bank in the Philippines by market capitalization. It is a member of BancNet, a famous bank organization in the Phlippines. Chinabank has many services through its 388 ATM and 248 branches across the country. One good benefit of using Chinabank is you can transfer money to other bank members of BancNet with just small transfer charge.
5. Union Bank of the Philippines
In the Philippines, Union Bank ranks seventh in the largest banks in terms of assets. It is a public bank listed in Philippine Stock Exchange. Union Bank is a partnership among the companies and government institution in the country. With its wide range of services, many people and OFW find Union Bank a good choice for banking and remittance purposes. You can send money to the Philippines using Union Bank by PayPal, through remittance partners and by bank to bank wire transfer.
Choosing a bank for remittance purposes depends on your needs. Almost all banks offer same services but you need to determine those which are customer-oriented and responds to client’s problems quickly.