So, you have a problem with your home owner association (HOA) or its board members. The general rule which seems to apply to most people's feelings as it relates to HOAs are follow the rules or its time to move. What happens when you feel your HOA has outdated policies or you have been treated unfairly? The following at 10 things you can do for solutions with your HOA board.
You do have to keep in mind that you singed a contract as it states with your home owner association so these solutions don't work if you simply are made you can't have a gazebo in your backyard. Those issues and others like it are policies that you would need to have your board members approve. The solutions we are mentioning below are for when you feel that the HOA has acted capricious or in a vindictive manner.
5 Solutions to Problems with HOA Board
1. If you read newspaper columns for advice they will tell you to work it out with your HOA board members. You do have to keep in mind that these columns are typically written by lawyers who represent HOA boards so they are not the best source of info for the home owner themselves. It is still important to attempt to work any issues out directly before taking further course of action.
2. You need to know your bylaws. If you want a state official to help you solve your issue you need to know exactly what you are talking about. Many people don't get far with their cases against HOA boards as their information is filled with emotion more than facts on how HOA bylaws were broken.
3. If there are board members who are apathetic to your situation you can use them to hold special meetings and replace vindictive board of directors. It is important that all policies on these proceedings are followed for them to work.
4. You need to keep all documentation with correspondences between you and the HOA or the HOA's attorneys. You want to get to proof of your violations though you have to realize you will also need proof of your innocence. Just as you want the HOA to have all the documentation, so will you if you are to win your case. If you ever need your own lawyer, the lawyer will need proof to be able to defend your interest.
5. Most issues with home owner associations are consistent courses of action that are in violation or patterns of now working with home owners. You can recommend professional community services take over your HOA's management services which is usually better for both the HOA board members themselves and the individual home owners. Professional community management services are experts in how to handle home owner concerns so that both parties understand and win in the end.
Saturday, January 9, 2010
Top 5 Solutions to Problems with HOA Boards
Friday, December 11, 2009
What is the Market Prices of Gold Per Ounce
The market price of an ounce of gold is most commonly expressed in the "spot price" of gold.
The spot price of gold is the price of a troy ounce of gold. The spot price is the price a buyer should expect to pay for an ounce of gold for immediate delivery.
It should be noted that individual buyers cannot generally obtain gold at the spot price. This is because gold is available to buyers in various forms, such as coins and bars, which require fabrication and transport. The added cost of fabrication and transport, plus mark ups for dealer profits result in a price greater than the spot price.
The spot price of gold is available to idividuals in a wide variety of media. It has been quoted in newspapers, from The Wall Street Journal to your local business section, each day for decades. It is reported on various business television news networks, such as Bloomberg, CNBC and Fox Business Channel. The spot price is also reported occasionally on radio news programs.
And, of course, the price of gold is available from many sources on the internet, including ITM Trading's web site at ITMTrading.com. ITM Trading provides free current price indications for Gold, Silver, Platinum and Palladium. In addition to current price indications, ITM Trading shows the change from the previous New York market close and the Afternoon London market "fix" ("PM Fix).
Note that the gold market never sleeps. Gold is truly a currency without a country in that it trades somewhere 24 hours per day, 7 days per week. Active gold markets exist in Chicago, New York, London, Zurich, Istanbul, Dubai, Mumbai, Hong Kong, Shanghai, Tokyo, Sydney and elsewhere. Gold is usually priced in US dollars in most quotes published in the media, but it is often quoted in the local currency in these various locales and, due to changes in the relative value of international currencies, the value, and even direction of movement, of the price of gold can vary from locale to locale.
For instance, during the "Asian Contagion" of 1997-98, the price of gold in many Asian currencies rose sharply, even while it hit multiyear lows in terms of the US dollar.
Still, for most Americans, the spot price of gold expressed in US dollars is the ideal gauge of activity in the gold market.
At this point, one might be wondering about the "PM Fix," sometimes referred to as the "London fix."
London has historically been one of the world's financial centers of gravity. This was especially true of the gold market during the height of the British Empire. Not only did the sun never set on the British Empire, but the sun never set on the gold market either.
For that reason, the price of gold in London has always been an important benchmark for the gold market. Starting way back in 1919, the five major members of the London gold exchange met to settle the price of gold at the open and close of the market.
The fixing was suspended between 1939 and 1954 due to World War II and post-war government controls on the price of gold as a result of the Bretton Woods agreement.
Even today, the price of gold is fixed in London at the open of the market (AM Fix) and the close of the market (PM Fix) by the five largest members of the London Bullion Market Association (LBMA). Those members are Scotia-Mocatta, Barclays, Deutsche Bank, HSBC and Societe Generale. This London fixing is still the primary guide off of which the other gold markets around the world guide.
Wednesday, November 11, 2009
Tuesday, November 3, 2009
Stop Gaining Fat by Zero Carb Cravings
Do you ever find that you're feeling really hungry and craving sugary food? If there's anything sweet in sight, you just can't control yourself. That piece of cake just looks so good. It's because of feelings like these that some people think that carbohydrates aren't good for them. They think that the key to losing weight is to avoid carbs. But actually, Americans have gotten fatter since low carb diets came on the scene. Today, over 60% of Americans are overweight or obese.
If you find yourself craving carbs it doesn't mean that carbs are bad for you. Cravings are our body's way of telling us that it's missing something. In Americans, the cravings are often associated with one of two things: the American custom of eating three meals a day, or low calorie diets.
If you eat three large meals a day, you're probably eating more at each meal than your body can handle. Even if you're eating nutritious foods like fresh fruit and vegetables, cereals or lean meat, if you give your body more calories than it can use at the time they will be stored as fat.
When you eat, your body releases insulin to process the sugars in your bloodstream. Any sugar that isn't required at the time is stored in your fat cells. Once the insulin is released, it keeps on doing its job until all the sugar has been processed. At this stage, the levels of both sugar and insulin in your blood will be very low. If this happens, you can be left feeling tired and irritable. This is why, if you have a large lunch and then don't have another meal until that night, you start feeling hungry around mid-afternoon.
This mid-afternoon hunger and tiredness is your body telling you that it needs more fuel to keep it functioning. Remember, there's no sugar in your bloodstream at this stage because the insulin has already processed it all and sent it to your fat cells. So you start to crave foods with lots of sugar because this is what your body desperately needs. If you give in to your cravings, your body then releases lots of insulin again to process the sugars and the cycle of highs and lows of blood sugar continues.
Maybe you managed not to give in to your cravings and didn't have anything to eat between lunch and dinner. Your body still needed energy so where did it come from? If there's no other source, your body will convert muscle tissue to sugar to use as energy. The end result of this is that your metabolism will become slower. Your body will become accustomed to burning fewer calories and you will build up more fat. This is what happens if you are on a low calorie diet.
So back to the two reasons you crave carbs that were mentioned earlier. If you're eating just three meals a day you are constantly putting your body through a series of sugar and insulin peaks and troughs and not providing it with a constant supply of fuel to convert to energy. And if you're on a low calorie diet, you're forcing it to find fuel from your muscles and slowing your metabolism.
So what's the solution? If you eat more regularly and have five small, nutritious meals throughout the day, you will keep up the fuel supply to your body. You won't go through periods of hypoglycaemia (which is when you have used all the sugar in your bloodstream) and you won't need to draw on your muscles to provide the sugar you need. Once you get into the habit of eating this way, you'll find that your cravings for carbs are a thing of the past.
Friday, October 16, 2009
What Happens When You Get Too Little Protein in Your Diet
Proteins are composed of long chain like forms of amino acids. Amino acids are basic and fundamental to life. As a chemical compound, it is made of amine and carbonyl functional groups. To put it simply, they are made of carbon, hydrogen, oxygen and nitrogen and on some rare occasions, sulfur. These four or five materials build themselves into various chain-like structures and form different types of protein. Protein is the life line of human health.
Human cells, muscle tissue, and the organs of the body are made up of protein. Long chains of amino acids are structured to make different types of proteins. There are 22 types of amino acids and the human body needs all of them to be healthy.
Different types of proteins in our body execute different body functions. Our body's strength, its flexibility and elasticity are taken care of by a protein called collagen, and our hair and skin are composed of the same protein.
Proteins we consume through food are broken down into amino acids in the process of digestion and absorbed by the body only to be rebuilt into different types of proteins that are the requirement of the body. There are twenty two kinds of amino acids essential for the human body. And in that 14 are produced by the body and the remaining 8 are to be obtained though food.
Complete and incomplete Proteins
A protein that can be obtained through one food source like a meat or dairy product is called a complete protein. A complete protein is obtained generally though meat, diary products, eggs, fish and poultry. Vegetables, fruits and nuts do not contain all the essential proteins in one food items and so it is termed as incomplete.
Importance of Proteins
For proper growth, sustenance and repair of body cells, for the health of muscles, tissues, organs and for body function like metabolism, digestion, transportation of nutrients and oxygen through blood circulation, proteins are imperative.
Apart from that more importantly for the production of antibodies, or in other words, antibodies are little soldiers who fight any infection that invades into our body and fights diseases and makes us healthy. The healthy skin and shining hair of which we are proud of is due to the proteins.
Too little Protein means ill health
Like our grand mothers say often, 'anything too much or too little is harmful' is absolute truth in case of protein. Too much protein intake leads to many uncomfortable physical complications just as too little of protein intake can lead to complications.
Protein is needed to repair and create new cells, tissues, hormones, enzymes and muscles and lack of protein would impair these important body functions leading to grave situations. Many foods which supply protein do contain certain other minerals and vitamins like iron, a lack of which creates an eternal tiredness and fatigue. The person who lacks iron feels weak and becomes listless with lack of energy.
Physical activities consume protein daily, and so it is essential to give regular supply of protein to the body daily. And too little protein can cause severe skin ailments and would make you look lusterless and pale.
Children need a lot of protein as they are in the phase of growing and insufficient protein in children hampers their growth very much.
For a period of time if the body fails to get sufficient amount of protein through food, it starts breaking the muscles which contain large amount of protein to fulfill its need. This means eroding of the muscle and it is generally known as muscle wasting. And prolonged such situation leads to a vicious cycle of protein energy malnutrition where in when the body does not get any other source of energy, body's muscles and organs a re broken down for energy. The digestive system suffers with the loss of cell lining which is important for absorption of nutrients from the digested food. Thus a vicious cycle of poor diet and insufficient absorption of nutrients from food lead to severe body wasting.
So, too little protein intake is dangerous and very harmful to health.
Wednesday, October 14, 2009
Become a More Athletic Golfer to Improve Your Golf Game
Golf and Fitness are two terms that can finally go hand in hand, thanks to one Tiger Woods and his famous mystery workout routine, and the other professional and amateur players who have followed his lead. Once an activity perhaps identified more with pot bellies, motorized carts and cups of beer on the course than physical strength and a good physique, there is now no question that golf has entered the world of a full fledged sport that requires physical training to perform at its best. Golfers on the professional tours look like athletes now, with more and more toned athletic bodies being seen on TV crushing the ball down the longest, most difficult courses in the world. Spending some time in the gym has been shown that it can make as big a difference in a golfer's score as time on the range or putting green. The game itself has changed, and the way players approach it has changed, as well.
As a personal trainer and avid golfer, the relationship between fitness and golf is a natural one to maintain, but it wasn't that way when I started playing the game as a junior. I first picked up clubs when I was about 5, then started playing seriously by about the seventh grade. By seriously I mean it had become the obsession that many golfers feel when they realize they would rather be golfing than just about anything else. A group of friends and I played regularly, and by high school, we were not only on our golf team together, we were some of the best players in our entire small town.
I was never able to hit the ball as far as my friends on the team, and one thing they told me over and over was that I should lift weights and get stronger, which at the time they did because they also played on the basketball team in the winter. As a skinny cross country runner at the time, I saw no need nor had any interest in lifting, as the weight room intimidated me in high school. I look back almost 30 years later as a much stronger, longer and better player than I was then (because I lift weights!) and wonder what might have been had I listened to them.
What my friends on the golf team did in the high school weight room in the early 80's was primitive to the workout science and programs that are available to golfers now, but they were definitely on to something. One way to look at it was that before it became popular, they were athletes who happened to play golf, and it showed in the length they had off the tee. This athletic approach can be applied to any golfer's game in the present day and immediately improve their ability to play better. With some examination, it is easy to see why.
The golf swing itself is actually an incredibly complex movement that combines virtually every muscle in the body into one coordinated action. The requirements of balance, coordination, flexibility, stability, strength and power all come into play in just one swing. Over the course of a practice session or round, endurance becomes a factor as well. Having some physical fitness in all of these areas can make for a much more effective swing. It is a bit ironic that golf itself does not require you to be in shape to play (unlike running a 10 k race, for example, which needs a level of fitness to even be attempted), nor will it really get you in shape by playing regularly (unless you walk rather than ride a cart). Yet working out overall dramatically increases the ability to perform the golf swing itself. So many players look to the next big expensive driver to add yardage off the tee. Well, what it they could hit it harder by being in better shape, and straighter, too?
Getting into the specifics of golf fitness, flexibility is paramount in the modern golf swing. The ability to turn the body through the trunk away from the ball, storing potential energy on the backswing, while maintaining an anchored, solid stance through the legs and hips, is what has been shown to generate the most power. Tiger Woods has a tremendous shoulder turn on his backswing which sets him up to uncoil with great speed through the ball on the downswing.
A person taking golf lessons and attempting to emulate Tiger's shoulder turn typically doesn't even have a body physically capable of doing that motion effectively! They may be taking lessons, yet are prevented from practicing the motion that they are learning by a lack of flexibility and fitness in the muscles of the trunk and back. Only by improving their fitness in these areas through proper training can they then expect to perform the proper motion.
In addition to flexibility, core strength and stability throughout the body are essential as well. These fitness terms refer to the body's strength in the trunk and the ability of the muscles of the entire body to operate in a coordinated, athletic way, which provide a stable "platform" in the body for hitting the golf ball. The more coordinated and stable the body is, the less motion is wasted during the swing and the more effort goes straight into hitting the ball where it is meant to go.
After flexibility is attained and a good amount of core strength and stability as well, more basic strength can then be added into a fitness routine. This could be along the lines of the classic term "lifting weights" that my high school buddies wanted me to do. A flexible and stable body that gets stronger, as long as the flexibility is not lost, can add significantly more effort to the golf swing, especially in situations where the ball may be in the rough or have a lie that requires more effort than the typical swing. If you watched Tiger Woods during the US Open in June, 2007, his physique from his fitness routine looked more muscular than ever, yet was very flexible. There were comments from the TV announcers many times on the level of his fitness and how it played out in making his game more effective. He is quite capable of hitting shots no one else on earth can because of his fitness level. As a result, he has more shots available to him to help him score.
So we know now how fitness has changed the game of golf and what is available to the player who chooses to add more fitness to their routine and golf game. Anyone can benefit from some exercise that is golf specific, and can participate at the level that they want. A person doesn't have to workout like Tiger Woods to get better. Sometimes even just working out regularly itself can make all the difference.
Wednesday, August 19, 2009
What is Organic Farming and is it Important
Organic farming is a broad concept with extreme application. It is well appreciated on a large scale by the people as now with the help of it they can easily grow their own food. If you have a little bit of free time with you then you need not to face any kind of problem. You can prepare and serve good quality delicious food by doing organic farming at your home.
It is not true that organic farming is practiced at a small scale only. By having a trip of farming sector you can easily understand how much vast this sector actually is. This is not the case some time before. Few years back it was not a highly thriving and demanding sector but now the case has totally changed. It is now not limited to a small scale industry as day by day more corporate sectors are taking interest in this field. Large corporate farming is taking keen interest in the concept of organic farming. Continuous research is going on to find out the way by which huge fields of a single crop can be grown. No one can deny the fact that in the process of organic farming, pests are believed to be the major threat. Due to harmful impact on the biodiversity unnatural pesticides are not much preferred to use.
If you are going for the natural pesticides for controlling the pests then it is certainly an eco friendly approach but believed to be much expensive in contrast to unnatural ones. Some time before, due to expensive nature they were not much preferred in the process of organic farming. After the entrance of large scale industries with huge budget this can be achieved now very easily. Natural pesticides can be a good option when it is about the large scale organic farming but if you are going for it at your home or at a small scale in a separate piece of land then it is advisable to look for any other good option. This is because like other kinds of farming organic farming also requires the process of sowing, cultivating and harvesting. If you do not have proper arrangement of water for the purpose of irrigation then you require depending largely on the rain water. If you are concluding the process of organic farming at your home then irrigation is not a big issue but even at a small scale proper arrangement of water is very essential. If you do not have a huge budget with you then it can be a difficult work for you. You require investing a good amount on purchase of seeds, irrigation, fertilizers, harvesting, etc.
There is much debate till now on the use of unnatural pesticides in the process of organic farming. Several environmentalists and consumer protection organization have claimed that the use of unnatural pesticides not only damage the environment but also have an adverse impact on the quality of food. For killing the insects and pests these pesticides are used but they are not considered helpful after sometime. It is so because these insects as well as the pests easily get adapted to the effects of the chemicals involved in them and so these pesticides looses their worth. Sooner or later it damages the health of the final consumer who without knowing consumes a large amount of lethal chemicals and synthesized materials along with the natural food. Thus it is injurious for the health of the human being as well.
Thus there are several ways by which you can have your favorite vegetables as well as fruits and that too with the help of inorganic as well as organic farming. As there are several pros as well as cons of both it is up to you to decide the one that is best for you. You can make use of organic farming to turn your dreams into reality and the best part is it is already benefiting millions of people so you are not at all required to worry for it as well.
NaturesOrganicMarket.com offers discount prices on organic baby clothes, organic coffee, and more.
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