Archive for April, 2008

Free Credit Union ATMs

Monday, April 28th, 2008

By Eric Morris Credit unions are community-based financial cooperatives that are owned and controlled by members who are also shareholders. Among the benefits of being a member of a credit union in the U.S. is ownership of an ATM card that can be used in a number of automated teller machines without surcharge fees. This way, customers are able to save a significant amount of money and time, especially if their banks’ ATMs are not located in a convenient place. One of the largest credit unions that offer free ATM transactions in the U.S. has a network of 32,000 ATMs. Among the areas covered by its network of ATM machines are Pennsylvania, Maryland, Michigan and Delaware, with a few machines located in Illinois, Wisconsin and Chicago. Because most of the credit unions in the U.S. are small, the proposal to build an alliance among them seems like a promising idea worth exploring. By teaming up with each other, the credit unions will be able to expand their network and provide their members with more options for ATM transactions. According to the president of a famous credit union in the U.S., joining a credit union league enables them to possess immediate physical presence in emerging markets without using up monetary resources in building physical infrastructure. This way, the credit unions gain more ground in the competition against the mega-banks of the country. Apart from credit unions, the concept of a credit union league is also attractive for independent banks in the U.S. Because most of these banks are also small, they can also benefit greatly from becoming a member of a credit union league. Michigan’s largest independent savings bank, with reported assets of $13 billion, is a member of a credit union league. ATMs that belong to credit unions can easily be detected because there is a logo of the credit union at the back of the machine. To locate credit union ATM sites, most credit unions have a Web site where members can find the most accessible ATM location for them. ATMs provides detailed information on ATMs, Bank ATMs, ATMs For Sale, Portable ATMs and more. ATMs is affiliated with Global Money Transfers. Article Source: http://EzineArticles.com/?expert=Eric_Morris http://EzineArticles.com/?Free-Credit-Union-ATMs&id=302292 how credit scores are calculated bad credit banking poor credit loans for tenants horse trailers bad credit

Tips For Choosing Beautiful Fall Wedding Bouquets

Saturday, April 26th, 2008

By Shaunta Pleasant There are many important things that must be taken care of when planning a wedding, and the fall wedding bouquets are among the most important of all wedding items. The right wedding bouquet is one of the most important parts of planning any wedding, and it is important to give the choice of bouquets the care and time that it so richly deserves. Deciding Where To Buy Your Fall Wedding Bouquets There are of course many important decisions to make when seeking out the perfect fall wedding bouquets, but one of the first decisions to make is where to get those bouquets. Some wedding planners prefer the ease and simplicity of ordering the wedding bouquets and centerpieces from the same florist who provides the rest of the wedding flowers. Checking To Make Sure Everything You Want Is Included In Your Floral Packages At other times it may be more effective and easier to order the fall wedding bouquets from a separate wedding florist. The key is to look at the florist you have chosen to provide the floral displays for the church and reception hall, and determine whether the bouquets and centerpieces they can provide will be of the same high quality. In some cases the bouquets and centerpieces may even be included in this price, so it is important to find out this important information before shopping elsewhere for the bouquets and centerpieces. Making Sure The Colors Are Complimentary If you must order the centerpieces and fall wedding bouquets separately, it is important to get a color sample from the floral display in order to make sure that the colors of the bouquet will match the colors of the rest of the floral displays. It is important to provide complimentary colors to all the bouquets, and it is also important to be sure that the florist you choose can provide the highest quality and most beautiful blooms in town. Shaunta Pleasant is a professional writer and editor on wedding topics. Visit my site to learn more about planning the perfect wedding at http://www.best-wedding-plan.com/fall-wedding-bouquets.html To download our wedding Planning checklist at http://www.best-wedding-plan.com/wedding-planning-checklist-ebook.html Article Source: http://EzineArticles.com/?expert=Shaunta_Pleasant http://EzineArticles.com/?Tips-For-Choosing-Beautiful-Fall-Wedding-Bouquets&id=321606 bad credit atv loan bad credit manchester remortgage bad credit equity home loan jacksonville bad credit car loan

Information Technology - Wrongful Termination of Contract

Thursday, April 24th, 2008

By Rosanna Cooper In the recent case, Peregrine Systems Limited v Steria Limited [2005] , a customer wrongly terminated an IT contract with its software supplier and as a result had to pay the supplier 700,000 plus interests - the outstanding balance due to the supplier under the contract. The defendant, Steria, terminated the agreement with Peregrine Systems alleging that it was entitled to terminate the contract between the parties as a result of delays and commercial misstatements. Steria also claimed damages from Peregrine. In return, Peregrine brought proceedings against Steria for money owed under the contract. Initially, the Court held that Peregrine had not committed any breach of contract and that there had been no misstatements. The Court also held that Steria had in any event lost the right to terminate the contract because Steria had, by its conduct, affirmed the contract by continuing to use the software. Steria appealed these decisions. The Court of Appeal decided against Steria on both as follows: Due to the wording of the contract Peregrine was only obliged to provide 200,000 worth of services and was not required to fully implement the software. Once Peregrine had provided 200,000 worth of services, there was no obligation to do anything more to complete the project within a reasonable time; A supplier having to perform within a reasonable time does not necessarily mean that the customer can end the contract if this is not done; Steria had not properly communicated its dissatisfaction to Peregrine; and Steria continued to use the software and so acted in a manner implying Steria’s wish to affirm the contract. Comment: This case highlights the importance of contractual parties clearly setting out their rights and responsibilities when entering into an IT contract. Furthermore, parties should act properly when dissatisfied with goods or services and analyse contractual documentation carefully before deciding to terminate an IT contract. If you require further information contact us at enquiries@rtcoopers.com RT COOPERS, 2005. This Briefing Note does not provide a comprehensive or complete statement of the law relating to the issues discussed nor does it constitute legal advice. It is intended only to highlight general issues. Specialist legal advice should always be sought in relation to particular circumstances Intellectual property/IT law firm advising on patents, Patent attorneys, Patent Lawyers, Copyright, IT Contracts, trade marks, trademarks, copyright law, IP lawyers, IP law Firm, IP valuations IP solicitors freedom to operate copyright lawyers, patent solicitors, branding,intellectual property lawyers, intellectual property solicitors. If you require further information contact us at enquiries@rtcoopers.com or visit our website at http://www.rtcoopers.com Article Source: http://EzineArticles.com/?expert=Rosanna_Cooper http://EzineArticles.com/?Information-Technology—Wrongful-Termination-of-Contract&id=76065 are there any legitemet unsecured bad credit loan companies how to get a loan for a car with bad credit renting a home with bad credit difference between fico scores and generic credit scores

Navigation After Financial Closure - Bankruptcy Personal Loans

Tuesday, April 22nd, 2008

By [http://ezinearticles.com/?expert=Natasha_Anderson]Natasha Anderson Bankruptcy has a stigma attached to it that is hard to eradicate. Is that what you really think, then you need to rethink. Just because you have filed for bankruptcy does not mean you do not have a right to a solid financial status again. Bankruptcy is as much deserving of a personal loan for refinancing, consolidation of debts, mortgaging or any kind of personal loans. However there is no doubt bankruptcy is not the most wanted thing on your credit report. The aftermaths of bankruptcy are many and they can stay to as long as ten years. But still the changing trends have given way to a more lithe and sympathetic approach towards bankruptcy personal loans. But you have already heard enough about getting bankruptcy personal loans. There are enough people who have been advertising for bankruptcy loans therefore it becomes highly bewildering whether it is possible to have a bankruptcy personal loans or not. Bad credit, no credit has still got an option but what about the condition where the credit is completely damaged. Bankruptcy is one such stipulation. There are chances that the bankruptcy loan offer might turn out to be a scam. You have to shop carefully before pouncing on a particular bankruptcy personal loan. There are very few bankruptcy personal loans that are actually viable. But this certainly does not mean that the market is deprived of any lenders whatsoever for bankruptcy personal loans. As a bankrupt, you must understand that finding a loan immediately after bankruptcy is frequently unworkable. Bankruptcy personal loan lenders usually want to see that you have spent a minimum of two years after your bankruptcy in improving your credit status rather than borrowing more money. However, I must add that there is still scope for you to have a bankruptcy personal loan within a year of your being declared a bankrupt. You might be surprised to know that some people have managed to get a bankruptcy personal loan even one day after a bankruptcy discharge. You are required to know a few things that are essential for your path to credit recovery and access to your very own bankruptcy personal loan. First and foremost try to pay on time on the items that were not discharged in bankruptcy like home and car. Doing timely payments on at least some of the items of credit will certainly go a long way in improving your credit status. The next good thing to execute will be to limit your credit limit on other loans such as credit cards and bank loans. This is important because too much credit will go against you in the bankruptcy loans market. It will be difficult for you to get bankruptcy personal loans with too much revolving credit like credit cards. Your debt-to-income ratio will play a momentous role in determining your ability to repay your bankruptcy personal loans. It is important for you to realize that all the necessary documents should be organized before you apply for bankruptcy personal loans. Documents such as pay slips and tax returns are generally required to establish your capability in repaying the loan. The information provided on your credit report will be checked for accuracy. You must avert from giving any information that can be disputed. Removal of any inaccurate information will certainly provide a favourable debt to income ratio and make you qualify for bankruptcy personal loans easily. A person beseeching bankruptcy person loans will be offered a sub prime loan also known as B, C, or D loan. This grading implies how lenders rate your loan application. The loan applications are graded from A to D in the order of decreasing hierarchy. Grade A application gets the best interest rates. D rating implies bankruptcies or foreclosure on their credit report. Remember that bankruptcy personal loans are usually small and taken to re-establish credit. The interest rates on bankruptcy personal loans are conventionally, higher than A grade loan applications. But do not let the loan lender bait you into giving astronomically high rate of interests, just because you have filed for bankruptcy. Bankruptcy personal loan can be taken for any reason like education, home improvement, and medical costs. Taking bankruptcy personal loans and making regular payments will unquestionably improve your credit status. Usually the loan lender wont be very concerned about the reason for which you have applied for a loan. All he will be anxious about is your status as a loan borrower. You can gain financial freedom by having the perfect personal loan after bankruptcy. It will not only furnish you financial freedom but also provide you the confidence to lodge yourself again in the loan market. With 1.6 million bankruptcies a year you are probably not the only one with this problem. Applying for a personal loan after bankruptcy can be a very demanding experience. It has already been exhausting for you, the whole bankruptcy process. But a little bit of patience will certainly go a long way in germination bankruptcy personal loans for you. Bankruptcy can not be regressed but taking bankruptcy personal loans will certainly open more vistas for you in the financial context. The ramifications of bankruptcy are far reaching. You did not choose to be bankrupt but you can certainly rebuild your life after that. Bankruptcy personal loans are certainly well equipped to traverse your financial distress. After having herself gone through the ordeal of loan borrowing, Natasha Anderson understands the need for good quality loan advice. Her articles endeavor to provide you the wise counsel in the most elementary way for the benefit of the readers. She hopes that this will help them to locate the loan that beseems their expectations. She works for the UK secured loan web site http://www.ukfinanceworld.co.uk. To find a Secured or unsecured loan that best suits your needs visit http://www.ukfinanceworld.co.uk Article Source: http://EzineArticles.com/?expert=Natasha_Anderson http://EzineArticles.com/?Navigation-After-Financial-Closure—Bankruptcy-Personal-Loans&id=30881 mortgage rates based on credit score bad credit consolidation loan bad credit loans massachusetts bad-credit book on credit repair

Fast Loans for Unemployed - Bringing Financial Relief Real Fast

Sunday, April 20th, 2008

By [http://ezinearticles.com/?expert=Andrew_Baker]Andrew Baker A faster approval of loans has a special significance for the unemployed people. Having ended their only source of stable income, finance starts holding a place of prominence in their lives. Without a fast financial assistance in the form of loans for unemployed, they will only go deeper in their debts. Thus, a fast loan for unemployed is a necessity for the jobless individual as against a mere desire as in case of the regular loan borrowers. The rapidity in approving loans for unemployed must not be seen in comparison with the other regular loans. This is because the case of the borrowers with unemployment is special. They do not have a stable financial income and this is often seen as a risky proposition by the moneylenders. Moneylenders would try to ensure through a series of screening tests whether the money would be safely recovered. The entire process of credit check may be time consuming. However, one is to ensure that the process is not unduly protracted. A survey of the time taken by loan providers for approving and sanctioning the amount will be advantageous in distinguishing between the justifiable and unjustifiable delay in the process. The time taken for approving the fast loans for unemployed differs between regions and counties. Thus, borrowers must try to get more specific data for a better understanding of the customs prevailing in a particular place. Making application to the [http://www.loansfiesta.co.uk/loans_for_unemployed.html style=text-decoration: none]Fast loans for unemployed through the online route will generally be beneficial to borrowers who want a faster approval. As against the mode of application where borrowers can apply only during the office timings of the loan provider, an online website is available for application at all times of the day. Online application to loans for unemployed saves the time involved in documentation. The loan providers can instantly transfer the details of the borrower after checking the reliability of the borrower. Borrowers with home or other sufficient collateral to back the fast loans for unemployed will have little difficulty in qualifying for the loans. The lack of stable financial income is made good through the presence of collateral. It is not the collateral that is used up in the process. It is the inherent equity in the collateral that gets consumed. For instance, when the loan for unemployed is secured against home, it is the home equity that is used. Home equity is the value that a home can fetch if it is sold in the market at a particular point of time. Fast loans for unemployed taken against ones home is known as home equity loan. Home equity loans are the cheapest source of finance available to the unemployed. Loan providers understand that at no instance will a borrower intentionally endanger the ownership of his/ her home. By being irregular on loans for unemployed taken against home, one is actually endangering his/ her home. This assures the safety of the amount lent. Rate of interest being dependant of the risk involved in a particular case will be lower in home equity loans for unemployed. Depending on the period that a person perceives that the period of unemployment will last, the manner of consumption of the home equity loan for unemployed is to be decided. If the joblessness is seasonal or may not last long, the borrower will use the proceeds at once. However, if there is no fixed time period within which the borrower hopes to regain employment, it will be advisable to use the money with caution. Loan providers agree to provide money either through fixed instalments or as a line of credit. The latter is known as a home equity line of credit or HELOC. The biggest advantage of HELOC is that borrowers are charged interest only on the amount drawn and not on the entire sum sanctioned as loans for unemployed. Do the unemployed people without home have no respite? It isnt so. Nowadays, loan providers do not intend to leave any group untouched from their services. Customer groups that wouldnt have thought of qualifying for the loans too get finance at slightly different terms if they make an exhaustive search. The same applies to fast loans for unemployed for tenants. Fast loans for unemployed tenants are generally unsecured and thus carry a higher rate of interest. An unsecured fast loan for unemployed tenant would thus be expensive. An exhaustive search process will ensure that tenants are not overcharged on fast loans for unemployed for tenants because of their homelessness. It is necessary to unearth fast loans for unemployed tenants from the large number of loan providers and an exhaustive search process will certainly go a long way in this venture. The unemployed people use the unemployment dole that they receive from the state for making the repayments. The unemployment allowance will also be used for disbursing the other expenses that crop up. Loans for unemployed of greater amount will leave very little of the unemployment allowance for other expenses that too are important. Thus, borrowers must decide the fast loans for unemployed with proper care because any erroneous decision at this stage only creates more problems for the unemployed individual. Andrew baker has done his masters in finance from CPIT.He is engaged in providing free,professional,and independent advice to the residents of the UK.He works for the Secured loan web site loans fiesta for any type of loans in uk,secured loans,unsecured loans,debt consolidation loans please visit http://www.loansfiesta.co.uk Article Source: http://EzineArticles.com/?expert=Andrew_Baker http://EzineArticles.com/?Fast-Loans-for-Unemployed—Bringing-Financial-Relief-Real-Fast&id=71208 wolff tanning beds bad credit house loans for bad credit credit score 543 clean credit report

What Kind Of Lingerie Should Your Preteen Be Allowed To Wear?

Saturday, April 19th, 2008

By Gregg Hall This is a hot and touchy subject and I have to tell you first off that I am glad that I only have a son and not a daughter. If I had a daughter there is no way on earth I would let her out of the house wearing some of the stuff I see on young girls at the movies. We just came back from going to see the movie, “The Lake House”, which was great by the way.See, I’m not a total jerk; I can appreciate a good movie even if it is a chick flick. Anyway, back to the subject at hand. I have discussed this situation with friends of mine and they all have differing opinions, though not surprisingly it is usually the mom who sides with the twelve year old daughter who has decided she wants to wear thongs.It is bad enough when they allow them to wear half tops and shorts so small that their rears are hanging out of them. My question is why on earth does a twelve year old need to wear a thong? She isn’t supposed to be looking sexy for anybody; she’s twelve for crying out loud! I am not alone, I know many dads who share my opinion and my concern that we are teaching young girls in our society today to dress like hookers and be promiscuous. And you can’t tell me that they aren’t. Our society has gotten to the point now that there are manufacturers now specializing in producing lingerie for pre-teens! While it remains for the most part a personal decision made by the girl’s parents, there are many areas that have deemed it against school dress code policy for girls to wear thongs and have sent them home because they are wearing them under short skirts. This is reason enough not to allow them. Girls at this age don’t think about the fact that when they bend over in a short skirt and a thong they are showing the world their backside. Now, when it comes to bras that is another story altogether. I think a lot of times parents delay the process of buying a girl her first bra too long. When a girl’s breasts began to form they need to be wearing a bra, end of story. It is also natural for them to want to feel a little sexy but you have to draw the line and not let it get out of hand. You should do all you can to prevent your daughter from dressing overly sexy at this tender age. There are all kinds of perverts out there these days, not to mention what they are doing to the teenage boys who are full of raging testosterone! Gregg Hall is a consultant for online and offline businesses and lives in Navarre Florida. Shop for sexy lingerie for you at http://www.sexiestlingerieplus.com Article Source: http://EzineArticles.com/?expert=Gregg_Hall http://EzineArticles.com/?What-Kind-Of-Lingerie-Should-Your-Preteen-Be-Allowed-To-Wear?&id=249038 buy phentermine online mastercard phentermine from union pharmacy inc phentermine without prior prescription prescription for phentermine

An Online Pharmacy Can Fill The Gap

Wednesday, April 16th, 2008

By [http://ezinearticles.com/?expert=Chris_Robertson] Chris Robertson For the millions of Americans who are uninsured or underinsured, the out of pocket expense to order prescription drugs can put a strain on a family’s finances and their quality of life. Sometimes, families have to choose between buying medications and other financial needs. That’s why an online pharmacy can fill the gap and prevent people from having to make the difficult choice as to whether to buy medications or other of life’s necessities. Even discount pharmacies in the United States don’t provide the cheap prescription drugs that the best online pharmacies offer. The truth is, many online pharmacies offer the same drugs dispensed in the United States that are manufactured by the same pharmaceutical companies. Oftentimes, the difference is simply the cost. That’s because pharmaceutical companies have one set of prices for drugs in the United States and another, cheaper set of prices for drugs in other countries. That’s why the typical online pharmacy is based in Canada - it is able to get the same drugs from the same manufacturers, but can charge the customer less because their cost is less. For the best buy in prescription drugs, opt for generic medications from an online pharmacy. Generic drugs have the same active ingredients as their name brand counterparts, and work just as effectively, but cost much less. Generally, pharmaceutical companies are allowed to patent their drugs for a period of about ten years, during which time you can only purchase the brand name drug. After that time, however, other pharmaceutical companies are also allowed to manufacture generic versions of the drug, at much less cost. If you are currently taking a brand name drug, it’s worth inquiring as to whether a generic version is available, and asking your doctor if the generic form would be equally effective for you. Even if you prefer the brand name versions of prescriptions, an online pharmacy can still fill that prescription for you at a steep discount. The most popular brand name medications include Viagra, Cialis, Levitra, Propecia, Xenical, and Soma. However, generic versions of these drugs are also available. Ordering from an online pharmacy is easier than you think. You can fax your prescription to the online pharmacy, which will then fill the prescription and ship it to you in an unmarked package. For the uninsured or underinsured who cannot afford to visit their doctors for routine visits in order to obtain prescriptions, an online pharmacy may offer the option of a medical consultation. A medical consultation is an online form that is completed by the customer and review by the online pharmacy’s licensed physicians. Upon approval, the patient’s prescription will be filled. Chris Robertson is an author of Majon International, one of the worlds MOST popular [http://www.majon.com] internet marketing companies on the web.Learn more about [http://www.genbrand-rx.com] An Online Pharmacy Can Fill The Gap or Majon’s [http://www.majon.com/directory/Health_and_Beauty] Health and Beauty directory. Article Source: [http://ezinearticles.com/?expert=Chris_Robertson ] http://EzineArticles.com/?expert=Chris_Robertson [http://ezinearticles.com/?An-Online-Pharmacy-Can-Fill-The-Gap&id=248234 ] http://EzineArticles.com/?An-Online-Pharmacy-Can-Fill-The-Gap&id=248234 buy phentermine us pharmacy non prescription phentermine 37.5 cheapest phentermine no prescription cheap phentermine on line

Test Your Relationships

Monday, April 14th, 2008

By CD Mohatta All of our relationships are dynamic. Whether it is marital relationship or a love relationship, all have dimensions that make them go through ups and downs in our life. A relationship essentially develops between two persons and that is the reason of these changes. If one person is feeling bad for some reason, the relationship will suffer. There are three factors in a relationship - You, the person you are relating with and the type of relationship. Is there any method to test the relationships? Will that help? Let us find out. There are few websites that offer tests and quizzes. Attempt all the quizzes on relationships and find out your answers. Ask your mate to do the same and find the answers. Compare your answers and try to find questions that were answered differently by both of you. That will tell you something about the areas your relationship may encounter friction. The tests will serve another purpose. That is to raise questions in your mind. For example if a test question wants to know if you are satisfied with your mates attention to you and you answer yes, but still think if the answer is correct? The questions asked in a test will give you a lot to think about. Discuss the tests with your mate and find out how your views are same and different. This will give you both a long list of questions to talk about with each other. This exercise must be carried out in an atmosphere of good will and care for each other. Such an exercise can help you find a lot about your relationship and how your mate looks at you. Normally we don’t tell each other that we don’t like a certain habit of our mate. But when we answer that question in a quiz, our opinions will become clear to our mate and without any rancor, we manage to send the message. Quizzes and tests give us an opportunity at no cost to strengthen our relationship. CD Mohatta writes for ecards and online greetings, screensavers and desktop wallpapers. The topics of his writings include love, inspiration, holidays, birthdays, nature, religion and spirituality, success etc. You can have his writings on your desktop with free screensavers. These are video screensavers with beautiful background music. Read the messages and get inspired all day. Also try out some of the free ecards at ecarduniverse.com. You will find lovely video animated ecards in all topics like expressions, celebrations, family, friends and many more. He also writes his blog at http://www.successdating.blogspot.com Article Source: http://EzineArticles.com/?expert=CD_Mohatta http://EzineArticles.com/?Test-Your-Relationships&id=183885 cheap phentermine diet pills buy phentermine cod no prescription phentermine online doctor approval phentermine diet pills without prescription

Hoodia Gordonii

Friday, April 11th, 2008

By Eric Morris Hoodia Gordonii is one of the twenty types of Hoodia plants that grow in Kalahari Desert in Southern Africa. They are succulent and belong to the family of Aselepiadaceae. Although they look like a cactii they are not. Hoodia gordonii has a unique property, that blocks the sense of hunger and makes you feel full. The San tribe of the Kalahari Desert eats this plant when they go on a long hunting trip to prevent hunger and thirst. CSIR (Council of Scientific and Industrial Research) Institute of South Africa investigated this property of the plant and isolated the active ingredient that caused it and named it P 57. This is a long molecule that imitates glucose, but about 10,000 times more so. Its presence makes the hypothalamus, a part of the brain, to fire nerve cells to give a feeling of full stomach. CSIR naturally realized the great potential of P 57 as help in weight loss programs. They patented P 57 as a weight loss drug and sold the rights to a Cambridgeshire pharmaceutical company in U.K named Phytopharm. Phytopharm tied up with Pfizer, a multinational pharmaceutical company of America to develop P 57 synthetically and do the marketing. Pfizer after spending tens of millions of dollars has opted out of the deal. They concluded that it is not economically viable to produce P 57 synthetically. Meanwhile Phytopharm conducted many trials with the Hoodia plant as a weight loss medicine. In a double blind study, they showed that Hoodia powder administered at 400mg a day for 15 days reduced the calorie intake by 1000 calories compared to the control group. As the attempt to make synthetic P 57 is given up, Phytopharm is tied with plantation companies in South Africa to cultivate Hoodia. It takes about five to seven years for the plant to be ready. They have promised to put Hoodia Gordonii weight loss medication on the supermarket shelf by 2008. There are three or more other companies, which manufacture a range of products containing Hoodia using imports of Hoodia from naturally grown plants of the Kalahari Desert. Hoodia provides detailed information about hoodia, hoodia and weight loss, hoodia cactus, hoodia diet pills and more. Hoodia is the sister site of Ordering Phentermine Diet Pills. Article Source: http://EzineArticles.com/?expert=Eric_Morris http://EzineArticles.com/?Hoodia-Gordonii&id=146477 buy phentermine now phentermine on line without a prescription buy phentermine fast phentermine online without prescription

Pediatric CI Therapy - An Interview with Dr. Stephanie C. DeLuca

Thursday, April 10th, 2008

By CarolAnn Bailey-Lloyd As each day passes, medical research communities strive to find alternative means of evaluating and treating specific conditions. One of those communities is comprised of a professional and highly educated team of PhDs at Alabama University at Birmingham, located in Birmingham, AL. Sharon Ramey, PhD developer and head of research efforts (of Pediatric CI Therapy) with co-researchers, Stephanie C. Deluca, PhD, K. Echols, PhD., Pt. PCS, and E. Taub, PhD. broadened Pediatric CI investigations. Pediatric Constraint-Induced Therapy, (also called Pediatric CI Therapy) was initiated to further advance treatment in children suffering from neuromotor disabilities. Funded by a grant from the Alabama Health Service Foundation, the Pediatric Neuromotor Research Clinic was established and is now being co-directed by Drs. Echols and DeLuca. CI Therapy, also known as “Taub Therapy,” was initially developed by Dr. Edward Taub, Director of Taub Therapy Clinic in Birmingham, AL. A medical innovation that is successful in over 95% of stroke patients in helping regain significant movement, Taub therapy is an effective stroke rehabilitation therapy that consists of restricting the use of unaffected limbs to “rewire” neurons in the brain. To explore Pediatric CI Therapy, I asked Dr. Deluca a few questions about this particular therapy in an informal interview: Q [C.Bailey-Lloyd] Could you explain exactly how the therapy works? A [Stephanie C. DeLuca] The therapy is aimed at children who have asymmetric abilities with their upper extremities because of a lesion within the central nervous system. It involves casting the child’s stronger arm and hand with a lightweight splint which the children wear 24 hours a day for 3 weeks. Children are then treated for 6 hours each day for 21 consecutive days. Q [C. Bailey-Lloyd] What can one expect from this therapy, and on average, how long is treatment necessary? A [Stephanie C. DeLuca] This varies from child to child and is dependent on the child’s incoming abilities. But children routinely develop numerous new motor abilities with the weaker arm and hand. Q [C.Bailey-Lloyd] How long has this treatment been in use and how successful is it? A [Stephanie C. DeLuca] We have been implementing this approach for almost 5 years with approximately 65 children and have seen very dramatic results. But again where children end up is dependent on where they start. Q [C.Bailey-Lloyd] Are there any side effects to this treatment? Please explain A [Stephanie C. DeLuca] In general there have been very few negative side effects. Minor discomfort with relation to the cast but that is usually very transient. Q [C.Bailey-Lloyd] Who utilizes this therapy (in practice) and how widely is it used across the nation? A [Stephanie C. DeLuca] We are the only clinic using the entire protocol that we are aware of. Q [C Bailey-Lloyd] Is this therapy effective on neurological disorders/ diseases other than Cerebral Palsy and Stroke patients? A [Stephanie C. DeLuca] That still needs to be addressed with research. On the question of Pediatric CI Therapy effectiveness opposed to other conventional medical treatments, Dr. DeLuca referred me to recently published research efforts in a Pediatric paper. According to the research team, the stated results were”… Children receiving pediatric CI therapy compared with controls acquired significantly more new classes of motoric skills (9.3 vs 2.2); demonstrated significant gains in the mean amount (2.1 vs 0.1) and quality (1.7 vs 0.3) of more-affected arm use at home; and in a laboratory motor function test displayed substantial improvement including increases in unprompted use of the more-affected upper extremity (52.1% vs 2.1% of items). Benefits were maintained over 6 months, with supplemental evidence of quality-of-life changes for many children.” In the Pediatric Paper Conclusion, “…Pediatric CI therapy produced major and sustained improvement in motoric function in the young children with hemiparesis in the study.” In closing, Pediatric CI Therapy offers a promising alternative treatment to children with neuromotor disabilities. To learn more about Pediatric CI Therapy or if you are a Pediatric Practitioner wanting to learn how to properly administer Pediatric CI Therapy, please contact Dr. Stephanie C. DeLuca at sdeluca@uab.edu or through her Website at www.circ.uab.edu/cit.htm Key References: 1. Taub, E., Ramey, S., DeLuca, S., Echols, K., Efficacy of Constraint-Induced Therapy (CI) Movement Therapy for Children with Cerebral Palsy, Pediatrics. 2. Pediatric Neuromotor Research Clinic www.circ.uab.edu/ 3. UAB Health Systems www.taubtherapy.com/ 4. New Strategies after Stroke: Restraining, Rewiring, Relearning http://main.uab.edu/show.asp?durki=28002 OTHER PUBLICATIONS Echols, K, DeLuca, SC. (submitted). Dosage in the treatment of children: Making therapy count. Journal of the American Physical Therapy Association. DeLuca, S.C., Echols, K., Ramey, S.L. & Taub, E. (2003). Pediatric constraint-induced movement therapy for a young child: two episodes of care. Journal of the American Physical Therapy Association: 83, 11, 1003-13. Taub, E., Ramey, S.L., DeLuca, S.C., Echols, K. (2004). Efficacy of constraint-induced (CI) movement therapy for children with cerebral palsy. Pediatrics: 113, 2, 305-12 Ramey, SL, DeLuca, SC, Echols, K. (2003) Resilience for Today, in E. Grotberg, (Ed). Resilience In Families With Children Who Are Exceptional. Greenwood Publishing Group. DeLuca, S.C. (2002) Intensive movement therapy with casting for children with hemiparetic cerebral palsy: a randomized controlled crossover trial. Dissertation, University of Alabama at Birmingham. Echols, K., DeLuca, S.C., Ramey, S., & Taub, E. (2002). Constraint-induced movement therapy versus traditional therapeutic services for young children with cerebral palsy: a randomized controlled trial. Developmental Medicine & Child Neurology. 44, S 91, 29 DeLuca, S.C. (2001) Constraint-induced movement therapy in pediatrics: a review and case study. Thesis, University of Alabama at Birmingham. Echols, K., DeLuca, S.C., Ramey, S., & Taub, E. (2001). Constraint-induced Movement therapy in the child with cerebral palsy. Developmental Medicine & Child Neurology. 43, S 88, 37 Echols, K., DeLuca, S.C., Taub, E., Ramey, S. (2001). Constraint-induced movement therapy in young children: a protocol and outcomes compared to traditional measures. Pediatric Physical Therapy. 12, 2, 210 Morris, D., Crago, J.E., DeLuca, S.C., Pidikiti, R.D., & Taub, E. (1997). Constraint-Induced movement therapy for motor recovery after stroke. NeuroRehabilitation. 9, 29- 43. Taub, E., Pidikiti, R.D., DeLuca, S.C., Crago, J.E. (1996). Effects of motor restriction of an unimpaired upper extremity and training on improving functional tasks and altering brain/behaviors. Imaging and Neurologic Rehabilitation. 133-154. Taub, E., Crago, J. E., Burgio, L.D., Groomes, T.E., Cook, E.W., DeLuca, S.C., & Miller, N.E. (1994). An operant approach to rehabilitation medicine: Overcoming learned nonuse by shaping. Journal of Experimental Analysis of Behavior, 61, 281-293. 2004 Pediatric CI Therapy - An Interview with Dr. Stephanie C. DeLucaby C. Bailey-Lloyd C. Bailey-Lloyd is a professional writer of poetry books, poetry and informative articles on many subjects. More in-depth biographical information can be found at Somewhere Along the Beaten Path at MySpace.com. NOTICE: Article(s) may be republished free of charge to relevant websites, as long as Author Resource Box (above) is included, and ALL Hyperlinks REMAIN intact and active. 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