Fannie Mae, Freddie Mac and Ginnie Mae – Who Are They?

Fannie Mae, Freddie Mac and Ginnie Mae are common names associated with federal lending and home loans. They have offerings that stem from no down payment home loans to helping dislocated residents of disaster areas, to providing assistance to the elderly. If you are any age and are considering a home loan, you’re struggling with mortgage payments and need assistance, or you’re elderly and cannot afford repairs on your home, one of these entities may be able to assist.

Who Are Fannie, Freddie and Ginnie?

The Federal National Mortgage Association (FNMA), better known as Fannie Mae, and the Federal Home Loan Mortgage Corporation (FHLMC), better known as Freddie Mac, are government sponsored entities (GSEs). Fannie Mae was originally a federal user established in 1938. In 1968, however, Congress passed legislation enabling the user to become a private enterprise. Freddie Mac was birthed in 1970 for the purpose of expanding the secondary mortgage market.

Fannie Mae and Freddie Mac are private corporations owned by shareholders. The funding for their operations is achieved through the sale of mortgage-backed securities (MBS), which are sold on the open stock market. In contrast, the Government National Mortgage Association (GNMA), better known as Ginnie Mae, is owned, operated and insured by the U.S. Government. Created in 1968, Ginnie Mae’s mission is basically the same as Fannie and Freddie. The main difference is that Ginnie’s operations do not depend on the sale of MBS for funding. Ginnie sponsored loans are fully backed by the U.S. Government.

The purpose of the three agencies is to buy mortgages on the secondary market to free up funding for banks and lenders to make more home loans. They don’t directly provide loans to borrowers. Instead, they buy mortgages from primary lending institutions that meet their lending standards.

Many lenders receive funding for mortgages from one of these agencies. The advantages of secondary lenders are that loans can be made with lower interest rates, and money is easily moved to enable anyone anywhere in the U.S. to obtain a mortgage, as long as they meet certain criteria.

What Do Fannie, Freddie and Ginnie Have to offer?

Fannie Mae, Freddie Mac and Ginnie Mae all fall under the oversight of the U.S. Housing and Urban Development (HUD) department. Generally, their charters are the same. They free up funding for primary lenders to make more home loans. In concert, they make housing more affordable to those who may not necessarily qualify for prime loans. Their overall mission is to assist single families, support and provide assistance to housing and neighborhood development, and generate capital in the open stock market. Their missions include making home ownership and rental housing more accessible and affordable.

Who Do Fannie, Freddie and Ginnie Offer It to?

You may become a recipient of products and services provided by Fannie, Freddie or Ginnie. One of the primary factors for consideration is your income and the geographic location in which you want to live or buy a home. If you are low- to moderate-income, you may be eligible for a no down payment home loan or low rent housing. You may be more qualified to obtain a home loan if you want to buy a home in a government designated area. These are typically areas with a significantly lower population than a metropolitan city; although, there may be other qualifications.

How does all this work? If you’re interested in buying a home, go to the Fannie, Freddie or Ginnie website and look for the link that takes you into a section about finding a lender. Follow the instructions to find a qualified lender. If you’re looking for an affordable rental, go to either website at FannieMae or FreddieMac and look for Support for renters or something about renting.

If you want to see all offerings available from each, go to the govloans website. If you’re a farmer, you’ll want to select Agriculture. For small business, you’ll want to make the Business selection. If your living situation was impacted by a disaster, like Hurricane Katrina, then you would select Disaster Relief. If you’re a Veteran, you’ll want to select Veteran. For all housing offerings, select Housing. Regardless of your home situation, Fannie Freddie or Ginnie may be able to help.

Extra Bones in the Human Foot – A Common Finding

Extra foot bones?

The truth is, some people do have extra bones in their feet. Most of the time, one would never notice that they had these extra bones present in their feet. Usually smaller than an almond and well hidden in the depth of the foot, these small bones are called accessory ossicles (although sometimes the term sesamoid is confusingly used). These extra bones should not be confused with normal small sesamoid bones that everyone has under the big toe joint. Accessory ossicles are often round or egg shaped, and can be found under toe joints, along the sides and back of the foot, as well as around the ankle. Some people have only one, while others may have many located in either foot. There are about a dozen or so locations in which they can appear. Development of accessory ossicles occurs for a variety of reasons, none of which include cancer. For the most part, these bones are hidden and will cause no symptoms. Occasionally, these bones can be a source of pain depending on their location. For instance, when the bone sits under a toe joint, the added prominence it creates can cause a painful corn or pressure sore to develop. When located on the inside or outside of the foot along a tendon, the presence of the bone can eventually irritate the tendon and create inflammation. This is especially true if the bone sits inside the tendon, as is often the case.

The most common kinds of accessory ossicles that cause pain are found on the inside and outside edges of the foot respectively. The bone on the inside is called an os tibiale externum, while the bone found on the outside of the foot is called an os peroneum. Often hidden under or even within substance of the tendons that surround them, they can potentially be a source of tendonitis as irritation of the nearby tendon is common.

Another commonly painful accessory ossicle can be found under the big toe. Called an os interphalangeus, this bone is located under the big toe joint’s ‘knuckle’ on the bottom of the toe. It often causes a callus to form at this location, and can occasionally be painful. In diabetics this can also cause a wound at the same site. A similar extra bone can be found under any of the other toes, although these tend to be smaller than the one under the big toe.

Yet another accessory ossicle is found behind the ankle. Called the os trigonum, this small bone can often be mistaken for a fracture on x-rays. At times, the bone can irritate a tendon that courses behind and around the ankle, and motion of the ankle can impinge on this bone, causing additional pain.

Treatment for accessory ossicles is fairly simple. If no pain is felt, then treatment is not needed. Simply leaving the bone alone will be sufficient. These extra bones generally do not cause any problems, and the body is quite comfortable with their presence. However, if pain or tendonitis eventually develops, simple steps to reduce the inflammation, like icing, anti-inflammatory medications, and foot support with a temporary brace can help. When these bones are prominent under the skin, care of any corn or callus that develops is helpful. This care can include padding or wider shoes. When pressure sores develop as a result of severe pressure, skin care and protection is vital to prevent more serious problems, such as infection. There does reach a point in which surgery may be needed to extract the extra bone. Chronic pain or pressure sores are a good indication for surgical extraction of accessory ossicles, as well as tendonitis that will not heal with non-surgical measures. When tendons are involved, the tendon will also likely need repair and support during recovery, as some incision into the body of the tendon is needed to ‘shell out’ the bone. The removal of an accessory ossicle usually removes all pain and re-growth of the bone does not occur.

As one can see, accessory ossicles are common in the human foot, and generally are a mere curiosity on an x-ray film. When pain does occur, they are easily removed if padding or a change in shoes does not relieve the symptoms. They are neither cancerous nor do they change the way one walks when no pain is present.

Trampolines and Homeowners Insurance Coverage – How a Trampoline Affects Your Home Insurance Policy

How will having a trampoline affect the cost of my homeowners insurance policy? In the US alone, the number of trampolines in use is approximately 3 million, which means roughly 3% of all American homes have a trampoline somewhere on their property. Unfortunately, many of those 3 million trampolines will be responsible for numerous injuries. When you take into account that an estimated $280 million dollars a year is spent by insurance companies to treat injuries caused by trampoline use, the consumer can begin to understand why insurance companies are becoming increasingly reluctant to insure homes with a trampoline.

Trampoline related injuries tripled in the years from 1991-1999, and in 1999 over 100,000 incidents of hospital emergency room visits were for trampoline related injuries. (Two-thirds of all injuries were in the age group 6-14.) Although 40% of all trampoline injuries are to the leg and foot area, some injuries such as paralysis have occurred and the resulting lifelong condition has caused the medical cost for treatment of these injuries and the long care assistance to go far above the policy limits set by most homeowners insurance companies. In addition, the number of trampoline related deaths since 1999 is 11.

That is the down side of trampoline use. There is also an upside that is often overlooked. And although there have been numerous injuries as a result of trampoline use, there are also many households who have owned a trampoline for many years, gotten nearly daily use out of it, and never had a single injury. These homes have supervised trampoline activity, set up some basic guidelines for its use (the number of people permitted to jump at a time, no flips allowed, no pushing, etc.), and have installed a safety net that prevented jumpers from falling off the trampoline.

Trampoline manufactures also have done much in recent years to improve the safety of their product. The smaller, round units with padding covering the springs and the availability of an affordable net system all are meant to help the user avoid injuries. (Of all the people I’ve spoken to who own a trampoline, all insist that they would not own one if there was not a safety net enclosing their trampoline.) There are also many health benefits associated with the trampoline. In the age of video games and television, a trampoline offers the opportunity to play in the sunshine, get involved in muscle building exercise, and encourages the kids to do something together. And for some reason its appeal does not seem to wane, even after many years of use.

“TRAMPOLINE EXCLUSION”

Many homeowners insurance policies contain what is called a “Trampoline Exclusion” clause. If you own a homeowners insurance policy with them they will cover liability for injuries that occurred to others while on your property, but they will not cover trampoline related injuries. If you have set up your trampoline after you purchased homeowners insurance policy, you may not know if you have coverage. Most insurance companies in their paperwork ask if you have a trampoline on your property.

With some insurers this is an issue and they may ask you to remove the trampoline or have your insurance policy canceled. Also, in the event that a guest is injured while jumping on your trampoline, and you are uncertain whether you have liability coverage in that area, you may find out the hard way that you are responsible for some hefty medical bills. It would be best to find out now, and not after the fact and take the necessary steps in order to be held financially responsible.

“ATTRACTIVE NUISANCE”

Another problem with trampolines is that they are considered an “attractive nuisance”. Just as with a swimming pool they “beg” to be tried out. People, regardless if permission has been given, are tempted to try them out. You may even have signs warning against trespassing, but if someone ignores those warnings, jumps on your trampoline and injurers himself, you may be subject to a lawsuit. ( I know, go figure.) You may not be found liable in court, but the cost of going to court and the attorney fees still means that the insurance company has had to pay out some big bucks and this is another strike against the use of backyard trampolines.

MAJOR HOMEOWNERS INSURANCE COMPANIES AND THEIR POLICIES REGARDING TRAMPOLINES

Although there may be certain variations from state to state, Allstate, Farmers Insurance, and SF Insurance have the three basic approaches to trampoline coverage.

Farmers Insurance – HOMEOWNERS WITH TRAMPOLINES MAY BE DENIED COVERAGE

In Pennsylvania, owners of trampolines cannot get coverage through Farmers Insurance. Other states, have different parameters and a call to Farmers will inform you if they will give you coverage and what qualifications might be attached to the policy.

Allstate – COVERAGE WITH CERTAIN SAFETY PRECAUTIONS IN PLACE

Allstate offers coverage as long as certain safety precautions are adhered to. Their policy requires that the trampoline be enclose by a safety net and that it also be located within a fenced enclosure that is at least 4 feet high. The gate to the fence must also have a lock on it and the lock must be in use.

SF Insurance – NO EXCLUSIONS

Under a traditional homeowners policy, there are no exclusions for trampoline owners.

The above are just three major insurers, but there are many more along with smaller independent insurance companies that should be considered for homeowners insurance coverage. The important point is to make sure that YOUR homeowners policy covers liability cost for trampoline related injuries. If not, then it’s time to start shopping again.

Whether your homeowners insurance policy already covers trampolines or not – it is always a good idea to shop around every 6 months and compare rates from top companies side by side. Be sure that you are not paying more for homeowners insurance coverage than you should.

8 Proven Ways to Deal With Excessive Sweating in the Groin Area and Inner Thighs

Inguinal hyperhidrosis is a form of hyperhidrosis that produces intense sweating in the groin area and inner thighs. In most cases the excessive sweating begins by the age of 25 at the latest and continues on throughout adulthood. Like other forms of hyperhidrosis such as severe armpit sweating, excess sweating in the groin region can be exceptionally embarrassing as it can cause wet marks and stains in the impacted area which can be noticeable in public settings.

The groin area is full of both eccrine sweat glands and apocrine sweat glands and is similar to the armpit area as it’s where our bodies are most prone to sweating naturally. Because our groin area is typically covered by clothing excessive sweating and skin discomfort can occur much easier than in other parts of our body. With the lack of air circulation in the groin area and an inability to remain cool and dry, skin disorders can develop such as: chafing, sweat rash, fungal infections such as jock itch (tinea cruris).

Chafing – Is the irritation of the skin caused by prolonged rubbing of skin and can occur when the area rubbing is moist. This is a common problem in athletes during a workout and physical activity.

Sweat Rash – Is a very itchy and uncomfortable condition caused when the sweat glands in the affected area become blocked with bacteria and dead skin cells. This stops the sweat glands from working properly causing the sweat to be trapped under the skin which causes a rash. This is a very common athletic condition.

Jock Itch – Is a ringworm of the groin (not actually a worm but a fungus). It is a fungal skin infection that is highly contagious and can spread through contact and clothing. It’s called jock itch because it is a condition that regularly occurs in athletes.

The physical conditions above can be difficult, irritating and painful. However, there are several things you can do to help manage the symptoms and provide relief:

1 – Wear clothing in the groin area that is breathable and allows air circulation – Wear underwear that is made from moisture wicking material. Think athletic gear material that is high performance like Nike, Under Armor, etc. Moisture wicking fabric pulls sweat and perspiration away from the skin and onto the exterior fabric.

2 – Keep the affected area dry – Baby powder and talcum powder will keep your groin area dry however if you excessively sweat the powder may clump. You may need to look at medicated powders that not only keep you drying by prevents chafing as well. There are numerous absorbent powders that help deal with excess moisture as well as bad odor.

3 – Keep your skin lubricated – Keeping your skin moist using a lubricant will reduce the amount of friction as well as skin irritation. Vaseline and baby oil are good options however can make a mess of clothing. You can also try non – greasy lubricants that don’t leave water marks or stains.

4 – Keep your hair – Hair is a natural barrier between our skin and our clothing. It can also help air circulate. If you shave your hair it prevents natural mechanisms your body has in place. This may not be an ideal solution for those who don’t like hair in private areas however may be a necessary if sweating and chafing is excessive.

5 – Do not use perfume or cologne to mask odor – While you may think that applying products to make you smell better will work it can actually have the opposite effect and make you smell worse. Also, you risk an allergic reaction or further irritation to the affected area.

6 – Lose weight – This is an obvious one. Less weight often equals less sweat production. If you are overweight this is one for you to consider.

7 – Drink lots of water – Water keeps your system hydrated and lubricated. It also keeps your body cool and regulates body temperature.

8 – Use a deodorant soap – This will prevent the return of any bacteria build up. Also, it’s important to splash your groin area with cold water after a hot shower. The cold water will seal up pores and reduce the amount you sweat.

When dealing with any form of excessive sweating and hyperhidrosis it’s important that you look at what underlying triggers are causing you to sweat too much. While there are many things you can do to temporarily relieve symptoms and discomfort you will find yourself continually battling your sweating disorder without actually solving the problem. You can find more information on curing your excessive sweating by visiting Control My Sweat.

Homeopathic Remedies That Relieve Seasonal Allergies

Seasonal allergies usually start around the spring time. They generally continue all through the summer and sometimes into the fall. These are mainly caused by pollen. Pollen are powdered grains released from flowering plants. The flowering plants could be from many species including oak, olive, elm, birch, ash, hickory, poplar, sycamore, maple, cypress and walnut. The purpose of pollen is to reach other plants to help them flower and grow. It is usually taken by wind or insects to reach these plants. Pollen may also exist in grass and weeds. These type of allergies happen in the summer. You can see your local doctor to find out what type of pollens that you are allergic to. This help you formulate a proper plan to tackle the seasonal allergies.

Keeping yourself pollen free is near impossible. However, there are a few things that can be done to limit your exposure. Some things to do would be to stay in the house in the morning. Pollen is greatest around 05:00AM-10:00AM. Stay indoors when the pollen count is too high. A great website that will alert you when the pollen is too high is pollen. com. Simply put your email address in their subscribe box and you will be automatically alerted. You also need to keep your windows closed in your home and when you are driving to help reduce the amount you intake.

Homeopathic deals with seasonal allergies quite differently than conventional remedies. Homeopathic remedies are individualized. Different symptoms require a different remedy. The remedy may have to be changed from time to time. If you have severe allergies, a homeopathic doctor should be consulted. Minor allergies can be self treated with homeopathy.

Certain pollen allergies cause watery eyes and burning nasal discharge. Sneezing happens but may not be constant. There may be pain in the forehead. People with these type of conditions feel better when they are inside the house in a cool room. They feel worse in warm rooms or in cold weather. Hot foods and drinks make them feel bad as well. The remedy used to treat this condition is Allium Cepa 6X.

Another type of allergy makes people sneeze constantly followed by an irritation cough. Nostrils are sore and red from the constant sneezing. The throat may also burn. Asthma may accompany the allergy. People with this type of allergy feel worse from sneezing and warm areas. The correct remedy to take is Arsenicum Iodatum 6X.

Another instance of allergy affects people primarily in the eyes. Eyes are swollen and sensitive to bright light. Eyes are watery. Little discharge from nose. The mucus drips to the back of the throat. People generally feel better by resting and sleeping. Warm weather and hot areas make this allergy feel worse. Being indoors and out in the evening makes the allergy feel worse. The proper remedy for this situation is Euphrasia 6X.

The final allergy basically caused a sore throat. Swallowing is very painful. Eyes are red and swollen. Eyes are also watery. The throat becomes very dry. Headaches make you feel like your head is shrinking. People feel better from eating and drink hot foods and drinks. The allergy is made worse from cold weather and cold drinks. The remedy for this situation is Sabadilla 6X.

As you can see, there are many remedies to treat seasonal allergies with homeopathy. We have just listed 4 of these remedies and the type of allergies needed for each remedy. There are other allergies and other remedies that can be taken as well. See a homeopathic doctor if you need help matching your allergies to the homeopathic remedies. If you know some other type of homeopathic remedies that are used for allergies that are effective list them in the comments. We hope with the help of homeopathy that you will survive this allergy season.

7 Stages of Cancer Development

You must have heard of this statistic that out of every 3 of us, one of us will get cancer. But do you know that back in 1901, only 1 in 8,000 got cancer? Our body actually tries in so many ways to give us all the warnings and symptoms to tell us that something is not right and we need to do something about it!

Let us see from the Holistic Health Science point of view how cancer develops in 7 stages.

First stage, Enervation.

It is not recognized as a disease yet. Most people will just feel tired, exhausted and worn-out at this stage. The best way to recover from enervation is to get enough sleep as sleep is the greatest energy charger! Inadequate sleep and rest are the main causes of enervation.

Second stage, Toxemia or intoxication.

Toxemia is a state where toxins saturate our body. This happens when we fail to observe our capacities and ignore the symptoms of enervation. We continue to overwork, sleep late and are under great stress.

Third stage, Irritation is when we feel itchy and uncomfortable, or when we have irritating but not painful areas.
Irritation results from toxic substances being sensed by our nervous system. Our body is giving us signal to move away from this condition.

Fourth stage, Inflammation.

It’s only at this stage that doctors recognize it as disease as it involves pain. Maybe you’ve experienced this before: you completely lost your appetite; and you don’t feel hungry at all even you’ve not been eating for the whole day, all you want to do is just to sleep and rest! Sounds familiar? The area becomes inflamed due to the continuous irritation of toxic substances. Appendicitis (appendix), tonsillitis (tonsils), hepatitis (liver) and nephritis (kidney) are all inflammation but in different areas.

Fifth stage, Ulceration.
Our body use ulcer as a way to drain toxic built-up, it will heal if causes are stopped. Cells and tissue structures are being damaged due to our body’s inability to live in increasing toxin.

Sixth stage, Induration, or often called tumor formation.

Induration is the process where our tissue hardened so that ulcer and toxic materials can be kept inside and sealed off by the hardening of the tissue around them. This is a way of quarantining the toxins. This shows how our body tries so hard to protect us even at this stage! However, if we continue with our destructive lifestyles and diet patterns, our body will eventually dissolve the hard tissue when the toxin level is so high and it can no loner take it! This means the toxins will leak and circulate to other parts of the body, and that leads to cancer…

Final stage, Cancer.
Our cells have become parasitic at this stage. Cancer is usually fatal, it can ONLY be reversible with the condition of us stopping the causes and indulge in healthful practices, as healthful practices are the universal panacea!

Using Serrapeptase to Relieve Physical Pain

Pain of any kind is such an annoyance, and no one is exempted from it. It is the most common ailment that everyone experiences in varying degrees. It may occur in many various parts of the body as a result of an injury, disease, or even emotional disorder.

Pain is generally caused by dead tissues, inflamed tissues, or scar tissues. There are two types of pain, depending on the condition and severity of an ailment. Acute pain may be sharp and severe but may come and pass in a relatively shorter period, around 3 to 6 months. It may be directly related to soft tissue damage and as the injured tissue heals, the pain is likely to subside.

Chronic pain, on the other hand, is persistent and may progress over a longer period of time and may worsen due to environmental and psychological factors. It may be related to various medical conditions such as arthritis, diabetes, migraine, cancer, fibromyalgia, sciatica, previous trauma or injury to name only a few.

Pain can disrupt one’s functionality, crippling his capacity to perform at a maximum. Moreover, physical pain may cause emotional stress. His work performance and his state of mental and physical health are largely and negatively affected. That is why people continuously find remedies to find relief from pain.

From conventional medicine to alternative healing, people have discovered and continue to discover various cures. One such cure is an enzyme known as serrapeptase. It is an enzyme naturally present in the intestines of silkworms, which the moths use as they emerge from their cocoons. This particular enzyme is responsible for breaking down the complex fibers of the cocoon.

And just as it is able to dissolve the protective silk case, the serrapeptase enzyme is also able to break down fibrins. And once it has dissolved the fibrins, it facilitates the drainage which consequently speeds up tissue repair. Thus, it has been used for years as an anti-inflammatory alternative to NSAIDs or Non Steroidal Anti Inflammatory Drugs.

Serrapeptase can also alleviate the pain that comes with the inflammation by restraining the release of bradykinin. Bradykinin is physiologically and pharmacologically active pain-inducing peptide that causes blood vessels to dilate and therefore causes blood pressure to lower.

Moreover, Serrappetase is capable of breaking down dead or damaged tissues without harming living tissues just as it is able to dissolve atherosclerotic plaques without harming the inside of the arteries.

How Ganoderma Lucidum Can Help Reduce Blood Sugar For Diabetics

Diabetes is a chronic health condition that many people throughout the world fall victim to. The general definition of diabetes is described as the body’s inability to process blood sugar in an effective way. There are many medications, such as insulin or prescription pills, that sufferers can utilize to offset the side effects that uncontrolled diabetes can cause a person. Even with the access of prescription medications, many sufferers of the disease have elected to find different means to control their diabetes symptoms by more natural methods.

One such natural method is the use of ganoderma for the treatment of diabetes symptoms. Ganoderma Lucidum is a naturally occurring, organic herb. Also known by other names such as Reishi or Lingzhi, Ganoderma Lucidum is a fungus grown from rotten wood. Derived from Chinese medicine, the fungus is known for its healing properties. In addition, Ganoderma Lucidum assists with better circulation, nervous system, and immune system function, which makes it a perfect to tool to help combat chronic conditions such as diabetes.

Ganoderma Lucidum has been shown as a well known treatment for lowering blood sugar levels in sufferers of diabetes. Ganoderma Lucidum can serve as an insulin substitute for insulin-dependent diabetics. Since Ganoderma Lucidum is known to assist with overall improved health of the body, it also eliminates many of the known complications that a person with diabetes might have to contend with over time.

One of the most common ailments that diabetes sufferers contend with is poor circulation and neurological issues. People diagnosed with diabetes commonly suffer from poor circulation which feeds neurological pain or numbness. This medical issue is a direct result of diabetic neuropathy. Diabetic neuropathy is caused because of injury caused to blood vessels that provide blood sources to neurological paths. This phenomenon can affect all of the peripheral nerves in the body, which is why diabetics who aren’t in control of their diabetes often lose sensation. This is also a direct cause of body part amputations, such as feet, being a prime example. In addition, since the body has poor circulation, the diabetic often doesn’t heal as well as a person without the disease because this lack of circulation decreases the ability to heal productively.

In fact, not only can Ganoderma Lucidum be used as an insulin replacement; it can often help a diabetes sufferer to regain functionality of their pancreas, which is part of what causes diabetes in the first place. This naturally occurring fungus has been shown to cure some of the effects of renal disease, which is an unfortunate side effect of diabetes. In addition to these attributes, Ganoderma Lucidum has been shown to also combat such ailments as hypertension, high blood pressure, ulcers, strokes, and impotence; which are all side effects of not only diabetes itself, but also some of the medications prescribed to control diabetes. It is in this way that Ganoderma Lucidum not only helps to control, combat, and on some level cure diabetes, but also assists in improving the overall health of the person ingesting it.

Herbs such as Ganoderma Lucidum can help a diabetic not only with lowering their blood sugar, but with producing a clean bill of health. Derived from China, Ganoderma Lucidum has long been used in the aid of complete health and body function, either alone or in conjunction with other natural holistic herbs and supplements.

Ganoderma can be taken has a daily herbal supplement and can also be found in some food and beverages such as hot chocolate, coffees, and teas.

Ganoderma Lucidum can be used in addition to prescription drugs, in correlation with other herbal remedies, or by itself, to promote increased function and well being in not only diabetics but in everyday people wishing to pursue a healthier lifestyle.

Diabetes and Self Help Plus Spiritual Healing

It’s an insidious disease and those who suffer from it may have this handicap for the remainder of their lives, but it doesn’t have to be that way. One doesn’t suddenly wake up with diabetes as there is an onset stage. Type 2 is the most common and it affects children as well as adults and it can be reversed. Symptoms occur long before diagnosis and healing through the Spirit is also possible.

Sugar and overweight conditions cause it and obesity is rampant. Latest reports show there are more people obese than underweight people in the world today. This is a serious statistic and the reasons may be less obvious that the craving one has for fast food and sugar loaded drinks.

A few years ago my doctor took some tests that suggested I was border-line diabetic. My grandmother suffered from it and the genes run in the family. Like everything, however, the trigger for onset of a genetically inherited disease is usually environment. At that time in my life my days were spent writing.

Following my reincarnation the Spirit of the Universe, the only God, called me to tear down the wall of churches and bring in the harvest. That is because we are nearing the end of the day. The next few years were spent mostly writing, researching, and studying. For the first time in my life I was not running around and doing normal exercise.

Gradually the weight built up but my work took my mind off what was happening. When the doctor produced the report about diabetes it took me no time at all to change my life-style. Sugar was out and other things that help to increase weight were eliminated from my diet, such as lamb, sausages, red meat, jam, and so on. Making my own bread meant that the amount of salt and sugar in it is controlled.

The Spirit has healed me of many conditions and it works through me to heal others. Even broken bones heal in a few seconds when the power flows. To engage that energy one needs to be removed from all religious influence and to turn to God with a longing for the truth. Breaking the link to the Spirit is why the world is suffering and religions are to blame.

Whereas once a craving for chocolate, ice-cream, and jam increased my sugar intake but when the Spirit took over the craving for these things disappeared. Exercise is back on the agenda and my weight is slowly declining. Recent blood tests show no sign of excess sugar in my blood and the fatty liver problem has gone as well.

The Spirit heals its own and it is combing the world for those who have lost their way. Following my reincarnation and with a strong link to the Spirit it commissioned me to tear down the wall that blinds and deafens people to reality and to bring in the harvest as we are in the last days. Healing miracles returning those who are lost to the real God and through disease like diabetes, which has no medical cure, it demonstrates that it is the Power of the Universe.

Is Your Baby Affected by Eczema?

Baby’s skin is very sensitive, prone to irritation or infection. If not careful, he could suffer from eczema.

Skin condition is a “mirror” the body’s health. Person’s overall appearance will be interesting if her skin healthy, fresh, and clean. So also with the appearance of your child.

Disorders that arise can include skin rash, with marked redness and itching of skin, which showed inflammation has occurred. In more severe conditions, break out in pimples and sometimes blisters.

Such skin disorders is actually eczema. And these skin disorders are common in children. In addition to hereditary factors, particularly the problem of allergies, cleanliness factor could be the cause of eczema.

Inflammation

Eczema (dermatitis) is the process of inflammation of the skin. This disorder occurs in the cuticle layer (epidermis) and hides the layer (dermis). For information, human skin consists of three layers, namely epidermis, dermis, and subcutaneous tissue. In addition, other parts of the skin are the nails and hair.

Another thing that should be known to the parents, the production of sweat glands and skin oils relatively fewer babies than adult skin. As a result more easily distracted changes in temperature and humidity in the vicinity. “Baby’s skin is also more susceptible to irritant materials, as well as to infection,” said Ary, a graduate of this Faculty of medicine.

As a newborn, baby smooth skin covered by fat (vernix caseosa) that serves as protector. This fat will peel off by itself, such as a bath. Therefore, no need to forcibly exfoliated. Many, right, in between we are trying to rid the area with rubbing excessively? Well, you should refrain from the habit.

Baby skin care should be taken into account as part of overall health care. The goal, of course, to keep skin clean and healthy so they can function as a protector of the body.

Skin disorder that we call the eczema is classified into two stages, namely the still new (acute) and chronic (chronic). In the acute stage, the skin looks red and moist. When compared with the bleeding under the skin, such as dengue fever, the redness may disappear when pressed but appears again when the pressure is removed. Also arise as a pimple and it will turn into a kind of bubble which if broken will remove fluid such as sap.

While in the chronic stage, the skin looks dry. Thickening occurs along the lines that a clear skin and the skin looks black because of interference with the pigment (hyperpigmentation).

The exact cause of eczema is not known with certainty. Allegedly eczema appears in children who have the talent / descent allergy. For example, a history of asthma or frequent sneezing on his family. Also who are allergic to certain foods, such as cow’s milk and eggs.

Various disorders

Any abnormality that usually arise on the baby’s skin? Among others:

* Diaper Eczema

From the name, this disease can certainly occur in areas covered diaper. Among the area, genitals, groin, and buttocks. Most attacking children aged under one year. But it can also be experienced by children over that age.

Symptoms appear as reddish-looking skin can be accompanied by a pimple. “Eczema is a form of diaper dermatitis, contact dermatitis. In general, occur because too often and long skin contact with urine or feces,” said Ary. Urine or feces contains various chemicals which stimulates the skin and cause severe inflammation. Friction between the skin with the skin on the groin area can cause blisters or sores. As a result, little susceptible to fungal or bacterial infections, eg Candida fungus that comes from feces.

In a baby boy diaper eczema can be wound on the tip of the penis. Dermatitis or a simple rash is usually not infectious. While a diaper rash caused by microorganisms can sometimes spread to other body parts. In fact, it could also spread to other children.

Appropriate action is to prevent the occurrence of diaper rash. One immediate way to change diapers so she wet herself. But, if the diaper rash condition extends to other places or your baby seems in pain, immediately take it to the doctor.

* Seborrheic Dermatitis

Parents often mention the term Seborrheic Dermatitis on newborn skin abnormalities few weeks. Most often attacks the scalp area. Therefore, breakfast is closely related to the insolvent glands numerous in the area the baby’s scalp. This ointment gland function remove sebum or oil.

In the newborn, found in many insolvent glands that emit large amounts of sebum. If appearance is not too bad, breakfast is not something to be feared. Because in general, this disease will heal by itself after the baby is a bit large (8-12 months). And usually did not ever recur again.

This skin disorder is characterized by redness on the scalp with yellowish crust. Can be coupled or without itching. If disease is severe, the entire surface of the scalp with hair will be closed yellowish crusts are thick, dirty, and issued a bad smell.

This disease may be widespread in the forehead, outer ear canal, behind the ear, around the nose and mouth, eyebrows, chest, back, groin area, armpits, buttocks, anus, and genitals. This skin disorder is usually in the form of patches of round or oval, coupled with yellowish scales, and oily. With the condition of skin disorders such as this, the baby will be susceptible to fungal or bacterial infection.

If your child does get breakfast on the scalp, hair should be cut short or shaved. If the scab thick, spread with plant oils and keep shampooing twice a week using baby shampoo.

* Atopic Dermatitis

Although milk is known as eczema that usually affects the cheeks, the cause is not the milk consumed by infants. This skin disorder associated with innate sensitivity baby called atopy.

Atopic dermatitis usually occurs in children who come from families who have a history of eczema, asthma and allergies in the nose is marked by frequent sneezing (rhinitis). These disorders arise begins with intense itching, a baby crying / fussing in the middle of the night, and rubbing the itchy areas of another object (in toddlers). Usually if you can not stand the itch, the child will scratch it until the redness and crusty.

Eczema is most often attacked despite the facial area may also extend into the folds of the elbow and knee regions. Often thick and black skin (hyperpigmentation). Although most cases will disappear, this disorder resulting in skin will be sensitive as adults and at risk of asthma or rhinitis.

Treatment provided by smearing cream steroids for inflammation or if necessary, oral medication plus an antihistamine for itching (and can help your baby to sleep) and antibiotics if infection occurs. “It should be stressed that the antihistamine cream should not be used to avoid sensitization,” said dr. Ary.

For the time being, avoid child soak for too long, do not use soap in the affected areas, use traditional soft soap for other areas that are not affected, or add liquid colloidal oatmeal in a water bath immersion.

* Prickly Heat

Prickly heat comes from hot air. Experienced by most babies, toddlers and young children but also not impossible to experience it.

This rash usually occurs on the neck and shoulders, but can spread to the chest area, back, or face that is much sweat glands. Appearance characterized by small red rash on reddened area on the skin. Usually peel then dried.

Treatment is done by cooling the skin with starch, corn flour, or powder baby-powder that is widely available in stores. Be careful when sprinkled powder / flour on the child’s body. Try not to be inhaled so as not to interfere with breathing. Another way could be done by adding flour in water bath.

Most important for the prevention, avoid the small of excessive heat and use a loose-fitting clothing made of materials that absorb sweat. Except that, try to cool the air inside the house with proper ventilation.

* Fungal infections

Fungal infections (tinea corporis) started with the symptoms of skin feels itchy and scaly. The area of red skin that later develop into a ring of round or oval around the center of the slick.

The reason, as the name suggests, the fungus. Fungal infections are easily transmitted. Anyone can be exposed. Not only small children, even adults can have it if the contacts with an infected person or animal fungal or through objects that have been touched by the person / animal is infected.

Penis Health Benefits of Shea Butter

If you have ever walked by the cosmetics counter of a department store or down the aisles of your local pharmacy, you have most likely seen wide range of women’s skin care products announcing shea butter as one of their ingredients. What you probably don’t know is that this cosmetic additive is not only beneficial for improving skin tone and reducing the look of fine lines and wrinkles in women; it has numerous applications for men’s penis health, as well. Men are increasingly turning to products containing shea butter to maintain a healthy look and feel to the skin of the penis; read on to find out how you can experience the benefits of this all-natural moisturizer, as well.

What is shea butter?

Shea butter is a fatty yellow extract from the seeds of the shea tree (also known as the karite tree), which grows wild on the savannahs of Central and West Africa. Native populations have known about the health benefits of this fatty substance for centuries, harvesting it for use not only in food preparation, but also for medicinal purposes. The buter of the Shea tree is used in treating burns, scars, psoriasis, dandruff, and other uncomfortable skin conditions, as well as improving overall skin tone and texture. In addition, it has been shown to contain cinnamic acid, which protects the body from harmful UV rays.

In recent years, Westerners have come to realize the many health benefits of shea butter, and demand for this tree oil has increased exponentially due to its ability to rejuvenate cell growth, smooth and soften aging skin, and counteract environmental damage from exposure to the sun and other harmful elements.

What are some common penis conditions that can be treated using shea butter?

There are numerous common health problems that can detract from the appearance of the penis, cause soreness during and after intercourse, and affect sexual performance. The most important penis benefits of shea butter are described here.

1. Dry, cracked skin: Over time, masturbation, manual stimulation by a sexual partner or even rubbing continuously against tight-fitting clothing can form microscopic cracks in the skin of the penis. These tiny openings can allow bacteria in, leading to possible infection. Over time, chafed and cracked skin can also form callouses, toughening the skin and diminishing sensations in the penis. Shea butter softens the skin and promotes healing, leaving the penis smooth, supple, and healthy looking.

2. Red, irritated or peeling skin: Men with sensitive penile skin often experiences reddening or soreness after sexual intercourse; this can cause embarrassment as well as discomfort. Shea butter heals irritated skin and protects against further damage, helping to ensure a healthy appearance and reduce discomfort during and after sex.

3. Wrinkled -looking skin: While most of us would like to believe that looks aren’t everything, the fact is that women are often turned off by a penis that appears to be dry and wrinkled. Using a moisturizer containing shea butter can keep your penis looking supple and attractive by keeping the skin well-hydrated and minimizing the appearance of wrinkling.

Where can I find men’s products containing shea butter that provide specific penis health benefits?

The health benefits from using shea butter are significant; with the right product, you can maintain a healthy-looking penis and enjoy enhanced sensation that leads to improved sexual performance.

The penis benefits of shea butter can be most easily obtained through use of a specially-formulated penis health crème (men’s health professionals recommend Man1 Man Oil), which is applied directly to the penis and absorbed into the skin for maximum effectiveness. The penis-specific vitamins, minerals, amino acids and moisturizers provide numerous penis health benefits that keep you feeling great and performing at your best.

Help – I’ve Got a Rash on My Penis – When Redness and Irritation Is Not a Sign of an STD

A penis rash is a frightening discovery, often leading guys to question where they have been, and with whom. While it is natural to be concerned about sexually transmitted diseases, especially for men who have had unprotected sex, there are many other causes for penis rash, ranging from allergic reactions to poor hygiene. Fortunately, most penis skin rashes can be treated or prevented through the use of skin care products containing certain penis-specific vitamins and minerals which are known to nourish and moisturize the delicate penile skin.

What are the common symptoms of penis rash?

Penis rash typically presents as an area of reddened bumps which may itch or burn, ranging from mild discomfort to deep, unbearable itching. In certain cases, narrowing of the penis opening, foul-smelling discharge, or pain during urination may occur.

What can cause a rash on the penis?

Several common skin conditions can present as a rash or area of reddened bumps on the penile skin:

• Allergic reactions – Allergies to latex condoms, certain fabrics, or the chemicals in certain lubricants may cause redness, itching, burning and swelling of the penis skin. Men who have known allergies should avoid contact with these irritants; a penis formula that contains soothing ingredients such as vitamins A and E, as well as shea butter, are recommended for healing and protecting sensitive skin.

• Balanitis – This condition refers to the swelling of the foreskin in uncircumcised men. Balanitis usually presents as inflamed skin and redness, rash and/or soreness at the head of the penis. Although poor hygiene is the main cause of this uncomfortable disorder, allergic reactions, irritation from soaps and other cleansers, and failure to rinse properly after soaping can also lead to swelling and pain. Proper skin care, including cleansing, moisturizing and treatment with penis-specific nutrients, is especially necessary for men who are not circumcised in order to prevent this condition and to alleviate the discomfort if it does occur.

• Dermatitis – Inflammation of the skin, including contact dermatitis, may be caused by environmental irritants such as poison ivy or poison oak. Dermatitis of the penis can cause extreme itching and soreness; although these conditions generally heal on their own, soothing penis care products are needed to alleviate the pain and discomfort as the rash heals.

• Psoriasis – Psoriasis may affect the skin of the penis, as well as other parts of the body, causing itching, flaking and an unattractive appearance. A penis formula containing vitamin A (also known as retinol), which is often used in the treatment of psoriasis, may provide relief from the discomfort while helping the skin to heal.

Can penis rash be treated at home?

For a mild rash or irritation, penis care is fairly straightforward. Treating the penile skin with a moisturizing and nourishing formula can promote healing and protect the delicate dermal tissue from further damage and discomfort. Vitamins that target skin health, such as vitamins A, C, D and E, are noted for boosting the body’s natural healing ability and repairing damaged skin cells, resulting in soft, smooth and supple skin; in addition, natural moisturizers such as shea butter are needed to create a natural moisture barrier that prevents dehydration and protects the outer skin from drying, cracking and other surface injuries that may lead to more serious problems if left untreated.

If a penis rash is accompanied by blistering, oozing, headache or fever, or if the symptoms don’t begin to clear up after a few days, medical care should be sought as quickly as possible. Men with penis rash should avoid sexual contact until the cause has been identified and the rash has healed.

Where to go for the most effective penile skin care

Like the rest of the body, the penis skin depends on certain vitamins and other nutrients for maintaining optimum health. Caring for the penis skin through daily use of a specialized penis health formula (most health professionals recommend Man1 Man Oil) can ensure that the proper nutrients are absorbed directly into the outer dermal layer of the penis, where they work to promote rapid healing, soothe irritated skin, and maintain a youthful, healthy appearance.

Cracks in the Corner of the Mouth

What is Angular Cheilitis?

Cheilitis is a fairly common skin problem that affects the lip area of the face. It is found at the corner of the mouth at the lip and facial skin junction. It is an inflammatory cut occurring at the corners or sides of mouth. It is marked with red, crusty rashes around your mouth corners. At times, there may be bleeding from these cracks when you open your mouth. In severe cases, pus may form in these cracks. The condition is painful and causes a lot of discomfort. In more advanced cases, the cracks can bleed when the mouth is opened. These open abrasion may subsequently form a crust as they initiate to heal or can become infected. Because of these symptoms and where the problem is located, activities such as eating and speaking can cause significant uneasiness and make the problem worse.

What are the causes of angular cheilitis?

The main cause of Angular Cheilitis has been traced to deficiencies in essential and trace minerals such as Vitamin B2, zinc, and iron. An unhealthy diet can thus explain why the ailment occurs. Cheilitis occurs regularly in the elderly population who experience a loss of vertical dimension due to loss of teeth, thus allowing for over-closure of the mouth. Less serious cases occur when the weather is cold such as in winter season, and is widely known as having chapped lips. This lesser form mostly happens to young children. The child may lick their lips in an attempt to provide a temporary moment of relief, only serving to worsen the condition. One thing is undeniable – this condition is caused by bacteria or fungus. However, study is still on to ascertain whether the cracks happen first and then are inflicted by bacteria or fungi, or whether the cracks itself are caused by fungi or bacteria. People consuming the medication isotretinoin for acne are more at risk to cheilitis caused by fungal or bacterial infections. Angular cheilitis causes are mainly any conditions that cause saliva to build up in the corners of the mouth and give rise to a moisturized environment where bacteria and fungi can dwell.

Who are prone to angular cheilitis?

1. If you are having the habit of licking your chapped lips, this is certainly paving the way for angular cheilitis.

2. If you are having unhealthy diet that lead to deficiencies of vitamin and iron, be careful! You are a likely target for angular cheilitis.

3. People suffering from diabetes mellitus and hypothyroidism also fall “prey” to fungus or bacteria attacks.

4. Ill-fitting dentures are also believed to be the cause.

There are other less usual angular cheilitis causes like contact dermatitis or allergies to toothpastes, lipsticks and other cosmetics. In fact, when the lips are dry and irritated, people will initiate to lick them to bring a certain relief from the irritation and without knowing it, they just furnish the fungus or the bacteria the moisturized environment they crave for to inhabit.

If you truly wish to get rid of those crack at the corners of your mouth, then you should check out Angular Cheilitis home remedies. People choose natural medicines made from herbal extracts that furnish guaranteed results. The natural medicine is easy to prepare and what is needed in preparation must be in or around your home.

Loratadine 10mg and Treating Seasonal Allergies

Loratadine is for those who suffer from seasonal allergies and sometimes by those who suffer from skin allergies by diminishing symptoms like watery eyes, sneezing, runny nose, and itchy nose and throat without the drowsiness that comes with traditional antihistamines. The most common dosage is one loratadine 10mg pill per 24 hour period.

When you start taking this drug, you should start noticing your allergy symptoms clearing up in approximately three days, while it takes up to six weeks for any positive effects to be observed for hives. If you note no relief, chat to your physician before proceeding to consume the pills. It can take one to three hours for a 10mg tablet to be felt and its optimal relief achieved at 8 to 12 hours, the pill’s benefits have completed by twenty four hours and another dose needs to be taken in order to experience the benefits again.

Loratadine causes specific histamine receptors to be blocked in a person’s body. Histamine is a person’s immune system’s answer to chasing away assumed foreign invaders. Although many people profit from the defense histamines grant, those who suffer from allergies have histamine that falsely assumes that some allergens are in fact invaders while a person’s body is really simply being exposed to dust or pollen. So drugs like loratadine block some of the receptors on histamines, permitting people with seasonal allergies to be able to manage the pollutant when the body is going into overdrive to fight it off.

Side effects of loratadine 10mg pills can include headache, drowsiness, slurred speak, dry mouth, blurred vision and digestive issues. It is important to know that a loratadine 10mg tablet merely suppresses allergy symptoms, it cannot cure allergies or make you more immune to your allergies. If you have a major allergy attack, taking loratadine will not help decrease the attack to any extent. Individuals who are pregnant or may become pregnant, and those taking other prescription drugs should be seen by a medical doctor before taking daily loratadine pills.

Standard alternatives to antihistamines include leukotriene modifiers, cromolyn sodium, nasal corticosteroids and decongestants. The nasal sprays and decongestants work to lessen allergy symptoms once they have started. While decongestants can give impressive relief, they are for short term use only and cannot be used for more than a few days at a time allergies. Cromolyn sodium and leukotrinene modifiers are similar to antihistamines because they stop allergy symptoms from occurring. Cromolyn inhibits the emission of histamine and leukotrinene modifiers inhibit the immune system’s leukotrinenes from leading to allergy symptoms like watery eyes and runny nose.

Even though loratadine 10mg tablets will not cure or build up your immunity to your allergies, they allow you to control your allergy symptoms so that you can return to living your life. Loratadine helps millions of allergy sufferers around the world each day, and taken properly, it can provide you with relief.

Life and Death Symptoms of Cortisol Hormone Imbalance

When cortisol, a hormone produced in the adrenal glands is not produced properly, there could be different effects on the individual. Hypercortisolism or hypocortisolism can progress and become life-threatening so immediate detection and treatment is important. Find out more about the symptoms of cortisol hormone imbalance to know the right methods of approach.

Hypocortisolism

Hypocortisolism is a disorder wherein the adrenal glands which are located above the kidneys cannot produce enough cortisol and aldosterone. The adrenal glands may fail slowly due to poor circulation or immediately such as in the case of trauma or hemorrhage. The rate of symptom manifestation will depend on the pace of adrenal gland failure.

The condition is also known as Addison’s disease, chronic adrenocortical insufficiency, primary adrenal insufficiency or adrenocortical hypofunction. The cortex of the adrenal glands produces 3 kinds of hormones. Cortisol is included in the glucocorticoid hormone type which helps maintain proper glucose levels, suppress the immune response and help the body respond to stress.

Three main symptoms of cortisol hormone imbalance include loss of appetite, fatigue and muscle weakness that slowly get worse over time and profound weight loss. Other symptoms are darkening of the skin or hyperpigmentation of skin folds, lips, nose, lining in the mouth, creases of the palms, nipples and areola and joints like elbows, knees and knuckles, development of scars, lightheadedness, orthostatic hypotension or fainting when suddenly getting up from a lying or sitting position, craving for salty foods, trembling or shakiness due to low blood sugar, nausea, diarrhea, vomiting, stomach pain, difficulty concentrating, depression and irritability.

Hypercortisolism

Hypercortisolism a disease that occurs when the body produces excessive cortisol. Most commonly, the problems results from taking anti-inflammatory steroid medications for disorders like rheumatoid arthritis and asthma. Cushing’s disease is the second most common cause wherein the pituitary gland produces excessive ACTH hormone which is responsible for the adrenal glands to produce cortisol. Other causes of symptoms of cortisol hormone imbalance include adrenal gland or pituitary gland tumor or the presence of other tumors in the body.

The problem is also known as Cushing’s syndrome causing symptoms such as central obesity, acne and skin infection, backache, headache, buffalo hump or fat accumulation between the shoulders, abnormal facial hair growth, impotence in males, ceasing of the menstrual cycle in women, mental changes, weakness, unintentional weight gain, moon face described as being red, round and full, purple marks on the abdomen, breasts and thighs and thin skin that is easily bruised. More symptoms of the disease include fatigue, high blood pressure, red spots on the skin, skin flushing, muscle atrophy and bone pain or tenderness.

When It Becomes Life-Threatening

Symptoms that develop slowly may not be noticed immediately until Addisonian crisis or adrenal crisis occurs. This condition occurs from a stressful event like trauma, surgery, dehydration or severe infection wherein the body cannot produce enough cortisol to combat stress. Addisonian crisis is considered to be a life-threatening situation requiring fast treatment.

A person can die from shock due to extremely low blood pressure. Symptoms of the complication include severe vomiting and diarrhea leading to dehydration, confusion, restlessness, fearfulness, severe weakness, light-headedness, feeling of fainting, sudden pain in the stomach, legs and lower back, high fever, total loss of consciousness and pale face and lips. Hormone levels need to return to normal via surgery, hormone replace therapy and other dire measures.