There are numerous ways to use an erect penis for fun, including masturbation in all its forms. Sometimes masturbation becomes an excuse to give up activities or responsibilities. But men can also train themselves to use masturbation in a motivational way. Men already know that masturbation can be good for penile health, as it keeps the equipment in good working order. Using it to help “get things done” can now be an added bonus.

rewards

The idea behind motivational masturbation is simple. Many psychologists and therapists use a reward system to correct behaviors that prevent a person from progressing in a certain area. For example, a child who constantly talks out of turn in class can be given a sticker when they remember to raise their hand. In the workplace, employees who make significant positive changes can be rewarded with a raise or promotion.

In other words, a reward of some kind is used to help change an individual’s behavior. This is pretty standard practice.

Such rewards do not have to come from someone else. Individuals often establish an informal reward system for themselves. For example, a man who needs to lose weight may reward himself with tickets to a special sporting event if he meets his goal by a certain date. This motivates you to try harder.

motivational masturbation

For many men, masturbation can be a motivating factor that they can use as a reward for achieving a goal. There are several ways this can be accomplished:

– Short term. Motivational masturbation can be used in the short term. For example, suppose a student has an assignment that she has been putting off but is due tomorrow. By promising himself a glorious self-gratification session as soon as he’s done with the job, he can talk himself into moving on. It’s even more effective if there’s an added bonus to the promised petting activity, like trying out a new sex toy.

– Long-term. The same technique can be applied to a long-term project. Take the weight loss example above. Instead of rewarding himself with a special sports outing, a man can reward himself with an indoor sports activity. By denying himself any masturbatory pleasure until he reaches his desired weight loss goal, he may have additional motivation to skip that dessert or say no to that plate of fries. This requires additional willpower, so it may be necessary to make the reward more special. For some men, who may not have been able to masturbate for weeks, simply being able to finally achieve release may be enough. For others, it may be enough to indulge in an especially long session. Men who are interested in trying a long-term motivational masturbation session but worry about their willpower may want to consider wearing a male chastity device to enforce the “no touching” policy.

– Staging. Sometimes a man has a long-term project, but feels that it is unrealistic to postpone self-stimulation until its completion. A multi-stage version of the program may be useful. Basically, it’s about dividing the long-term project into several short-term stages, with a masturbatory reward at the end of each stage.

Motivational masturbation can be a very practical use of an insistently erect penis. Of course, it is better if that erect penis is in good health, especially if the technique is used frequently. Daily use of a quality penis health cream. (health professionals recommend Man1 Man Oil) can make a big difference. Since masturbation often involves rough handling, a cream that includes shea butter, vitamin E, and acetyl L-carnitine is recommended. Shea Butter is a high-end emollient and Vitamin E is a natural moisturizer, so these two ingredients can hydrate and soothe a penis that has been jerked off too hard. That rough handling can lead to some desensitization, which is where Acetyl L-Carnitine comes into play. This ingredient is neuroprotective and helps prevent peripheral nerve damage that leads to a loss of sensation in men. Keeping the penis healthy makes motivational masturbation more effective.

Square lock boxes for electrical panels are specially designed to lock switches with levers. This device encloses electrical outlets and switches. Different manufacturers of lockout products offer various types of EP lockouts available on the market.

Here we have put together the types of electrical lockout panels along with their uses. This article will help you better understand the types of lockout panels and make an informed decision when choosing lockout tagout products for your machinery procedure.

Types of electrical panel lockout

• EP-locking square box This is used when more than one drive needs to be locked to a single panel; We recommend using our Electric Squeezer lock with the yellow wire that feeds through the access holes of these electric squeezer locks and locks in one location for multiple users.

• Square E-Panel Lockout Box – Large 90 Degree – Manufactured from special grade heavy-duty transparent material, each unit has been developed to include electrical outlets to prevent machines from being fully energized.

• Wide square box EPL- To lock different sizes of EP by square electrical panel lock. It is made up of a superior grade of PVC, two piece construction with a flat brass padlock.

• EPL – Ellipse – This is a transparent electrical panel. A padlock can be fitted to lock/isolate the switches.

• Electrical Panel Handle Lock- Electronic Panel Handle Lockout EPHL’s patented design freezes the movement of larger handles/levers installed on electronic panels.

• Normal Push Button Lock- This is made for electrical purposes. Highly secure and effective for locking emergency stop mushroom buttons.

• Oversized Push Button Lock- This is the most appreciated locking solution for large electrical pushbuttons in EP or control stations. It also finds its application in crane/heavy machinery Specials.

Choose the EP based on your requirements and budget. Once in place, electrical sockets/switches/buttons can be isolated by placing the housing unit on top of the base plate, preventing access to the remote switch. They can then be locked into place with a lockout padlock.

Which electrical panel lockout should I buy?

Good! The answer to this question is hidden in your business requirements. To better solve this question, analyze your task requirements, and then choose the best electrical panel.

These were the popular types of electronic lockout panels and their uses. As a trusted lockout provider, Safety House Loto brings you the best products. In addition, we are an ISO certified company; therefore, you can be free from worry about the quality and longevity of our lockout tagout products.

When a law enforcement officer believes that a person they have arrested has been drinking, they will ask that person to undergo a series of tests. One such test is the horizontal gaze nystagmus test. Most people recognize this test when they see a police officer waving a pen around while the suspect follows him with his eyes. Understanding how this test is administered and interpreted can help you determine if he should take it and how to combat it if you are charged with a DWI.

The horizontal gauze nystagmus test is an attempt by police to measure the involuntary twitching of the eye that is often associated with intoxication. This involuntary movement can show alcohol intoxication, but it can also be caused by the presence of PCP, certain inhalants, brain damage, inner ear disease, and some people naturally have some movement even when sober.

The HGN or horizontal gaze nystagmus test has five stages. Each stage must be completed perfectly for the test results to be admissible at trial. The five stages are

1. Education

2. Check the eye for signs of brain damage

3. Smooth Chase

4. Maximum deviation and

5. Angle of forty-five degrees.

When the officer administers the HGN test to a person charged with DWI or DUI, they must give very specific instructions to the person they are giving the test to. If they do not give the proper instructions, the evidence may not be valid and should not be presented to a jury. Instructions do not have to be word for word, but the general idea should be clearly conveyed. The officer should tell the person taking the HGN test that they should keep their head still and follow the pen with their eyes only. They should tell the examinee that he is to concentrate on the pen until told to stop. At this point, the officer should place the pen twelve to fifteen inches from the test taker’s nose and slightly higher than the test taker’s eyes. The person charged with drink driving should be asked to touch the top of the pen. Once this is done, the police officer must begin the test.

At the beginning of the HGN test, the officer should gently move the pen from side to side while watching the suspect’s eye movement. At this stage, the bureau is looking to see if the eyes follow the feather easily together. If they do not scan together, there is a possibility that the examinee has suffered brain damage. The office should also verify that the person’s pupils are the same size. After checking for signs of brain damage, the actual test will be done.

On the first pass, the officer looks for a smooth chase. Eyes should move easily from side to side with minimal jerky movement. If the eye jerks or twitches as it moves from side to side, it is a sign that the person may be intoxicated.

On the second pass, the officer should look to see if the eye twitches when there is no white eye between the eyeball and the end of the eye. The idea here is that when the eye is at its maximum deviation or as far as it can go to the side, it should not jerk. If there is movement in the eye, the person may be intoxicated. This is usually where most people who have been drinking fail the test.

Lastly, the officer checks to see if the eyeball twitches when the eye is looking at a forty-five degree angle. This is a spot that is roughly halfway between as lateral as possible and as straight as possible. The eye should not twitch or jerk at a forty-five degree angle.

For each stage of the test, each eye receives one point for failing up to a maximum of six points. It is possible to score one point per pass, since one eye may twitch and the other may not. In general, a score of 4 or higher is assumed to mean intoxication, although a lower score may be considered grounds for a DUI arrest.

Estate planning is not just making a will in the event of an early death. He is preparing for any situation where he is incapacitated and ensures that his affairs are in order in the event of death.

What is included in an estate plan?

1. Will

2.Living Trust

3. Advanced Health Care Guidelines

A. Durable Power of Attorney

b. Living will

against Do Not Resuscitate Order (DNR)

d. Physician Order for Life Sustaining Treatment (POLST)

my. Organ and Tissue Donation

Wills (Prob. §§6100, et seq.)

When people think of estate planning, they usually think of the will. A will is a document in which you can state your final wishes. This document will inform the courts, family, and friends who you want to care for your children, as well as how, asset distribution, pet care, and more. Without a will, it will be up to the probate court to determine where and with whom your children will live, as well as the distribution of assets.

Living Trust (Prob. § 15400)

A living trust is a trust that allows you to transfer your assets or property to a person of your choice (trustee) while you are still alive. Basically, there are two main types of living trusts: revocable and irrevocable. A revocable living trust allows you to place items in a trust while you are still living and the benefactor would receive them after your death, after taxes. It allows the flexibility to modify the trust, remove or add beneficiaries, set or change the terms of the trust, and determine how the assets are managed.

An irrevocable trust does not offer the same flexibility as a revocable trust but it does have its own benefits. Once an irrevocable trust is established, you cannot modify any aspect of the trust (there are certain exceptions, but those exceptions will come with great difficulty). It does offer a benefit to the benefactor in that he will not have to pay taxes on the assets at death, nor will he be liable for any taxes on the income earned from those assets.

While a revocable trust is easier to set up, an irrevocable trust can be more difficult, and you may want to hire an experienced Los Angeles estate planning attorney to help you.

Advance Health Care Directives

Advance health care directives are another great requirement that you can’t do without. Advance Health Care Directives are made up of several documents that will act as your voice if you become medically or mentally incapacitated. The document set may include:

Durable Power of Attorney (Prob. §4650, §4700 et seq.)

A durable power of attorney is a document in which you would name a person (an agent) to act on your behalf (the principal). This would allow the agent to pay your bills, talk to creditors and much more while you are disabled. It is important to choose someone who has your best interests at heart. A durable power of attorney, unlike a general power of attorney, only takes effect after the person becomes incapacitated (if it was created specifically for incapacitation).

Living will (Probate §4600 et seq.)

A living will is direct about how your children and assets will be handled in the event of disability. It is this document in which you can make your last wishes known. Life will only come into effect if you, the principal, are in a persistent vegetative state or irreversible coma.

Do Not Resuscitate (DNR) Order

The DNR order is part of the living will. It is a document in which you express your wishes as to whether you would like to be resuscitated should the need arise.

Physician Order for Life Sustaining Treatment (POLST)

This document allows you to choose a primary and secondary doctor to carry out your end-of-life treatment. The secondary goes into effect if her doctor of first choice is unwilling or unable to comply with her wishes.

Organ and Tissue Donation

Also, as part of your living will, you will be able to express your wishes if you wish to donate any organs or tissues in the event of your death.

That can be a lot to take in and you may be wondering where to start. The best and safest way to structure your estate planning and all that entails is to consult and work with an experienced Los Angeles estate planning attorney for the best outcome.

Several countries in Asia, South America, and Eastern Europe provide top-notch fertility treatments at low cost, but India is a top destination for Western IVF patients. In addition to achieving significant savings, IVF India uses the latest technology and medical knowledge so that you can make efficient use of your time and money. There are many reasons why India should be seriously considered as a viable alternative to local IVF services.

Top-notch doctors and medical care

Doctors from the best fertility clinics in India receive their medical degree and training from the best medical schools in the US and UK. In between performing IVF cycles, Indian endocrinologists also publish several articles on fertility treatments in prestigious magazines like Fertility and Sterility. The equipment comes from the best manufacturers from around the world: inverted microscopes from the Japanese company Olympus, IVF catheters from Rocket of London, and IVF culture medium from VitroLife of Scandinavia. Finally, the years that they have been doing IVF make them the best in the field of fertility treatments.

Fertility clinics exist all over the country. There are multiple clinics in major metropolitan areas like Mumbai, Delhi, or Bangalore, and fertility centers are now available in virtually every state. According to the Indian Society for Assisted Reproduction, more than 400 IVF clinics are operating in India, producing more than 30,000 ART treatments per year.

Savings

An IVF cycle in the United States costs at least $10,000, but you can expect to pay as little as $3,500 for a full cycle at the best IVF clinics in India. Sometimes this fee includes all of the medical procedures involved, including lab tests, scans, egg retrieval, and embryo transfer. A full cycle of IVF with donor eggs should not cost more than $7,000 and includes payment from the egg donor. IVF with embryo adoption should not cost more than $5,000.

Before you book your flight ticket to India, the best clinics should provide you with a package that includes all the costs so that you know how much money you need to save. And you don’t have to worry about carrying all that money with you; many clinics accept international credit cards as a form of payment at the clinic.

High success rates

Although IVF success rates in India still depend on the same factors (age, type of infertility, quality of the egg, sperm, and embryo), the flexibility of the procedures and the low costs of additional treatments will make it a most likely candidate. for success. While the facilities are generally top quality and the medical staff well trained, there is currently no government regulation in India for fertility services. This can provide alternatives for women or couples who have been rejected by clinics in the US For example, the Indian government does not place a limit on the number of embryos you can transfer. While the chances of multiple births increase in proportion to the number of embryos transferred, so does the success rate. This is an option that should be provided with great caution and only under medical consultation. But for a woman who is elderly or with a more severe form of infertility, it is something to consider carefully. Procedures like assisted hatching and ICSI also become viable options to improve the success of her cycle simply because they cost so much less.

Also affected are those women who seek further assistance. Egg donors are generally hard to find and very expensive in the US and UK, for example, but in India they are reasonable and plentiful.

courteous staff

Perhaps it’s the slower pace of life or the spirituality of the locals, but many Western IVF patients say they are impressed by the courtesy and hospitality of the staff. The doctors explain everything you need to know about the procedure and spend a lot of their time with you. They even comfort you when you feel nervous or lonely, sometimes going above and beyond the call of duty. These little things often cannot be found in Western medicine, which is another reason why India is such a popular destination for medical tourism.

exotic-holidays

If you like to travel, you won’t regret having IVF in India. The country’s 2,000-year-old cultural history will provide you with endless sights, sounds and flavors to delight your senses. Getting your IVF in India will provide you with many exciting distractions so you don’t have a minute to worry about how your embryos are doing. Many couples also enjoy the idea of ​​getting away from everything, be it work or well-meaning family and neighbors during this delicate time in their lives. And hopefully one day you will have a wonderful story to tell your son about his conception.

Indeed, these are wonderful times in which we live. I prefer to call this the disruptive era, an era in which almost anything, anyone (and not to mention, any country) can disrupt even century-old concepts, beliefs, and businesses. An age where the old easily gives way to the new, a time where anything is possible!

This era has also seen a resurgence of some old business concepts, such as public relations, which have been reinvented and have taken a prominent place in all other businesses. Until a few years ago, it was rare to find someone who understood public relations, and today, although many understand it, not everyone who uses it uses public relations to do what it is supposed to do, that is, build brands. Reputation is the most basic building block of brand image, and public relations is arguably one of the most trusted tools for building reputation, making it indispensable for brand building in today’s disruptive era.

For public relations practitioners in India, 2006 will be considered a turning point. It’s the year that public relations picked up speed and, as a result, also became more visible. Stealing a bit of the advertising spotlight from its older cousin, PR professionals must surely be smiling with joy knowing that their time has come and now is the time for a place in the sun.

Those who have chosen public relations as their career are already reaping the benefits of their choice, although the rapid growth of the industry has another effect that is not entirely productive or harmonious with growth; it has created a huge demand for good quality staff. This gap between supply and demand is reaching the limit to serve new businesses, and it is no longer unthinkable that a professional in this field would be offered double salary for a job change. Virtually everyone, placement consultants, professionals and public relations firms hear pleasant music from the ringing of cash registers.

The growth of this sector is also evident by the sudden globalization of the business. Almost all the global PR giants have already established themselves in India or are actively considering it. Indeed, India will be a defining part of even the Big Five agencies’ growth strategies. Consolidation is another strong indicator. Like the advertising deals of the 1980s, there is a fervent race for international PR agencies to cement their footing in India. The signs of acquisitions, mergers and acquisitions are already very visible. I personally know at least 5-6 of India’s high growth agencies (ourselves included) who are looking at potential partnerships. The knocking on the door doesn’t seem to stop!

Two questions come up pretty quickly after reading the above. One, where does this business come from? And second, will this last?

One of the critical and seemingly contradictory factors responsible for this sudden growth is the fact that it is due to an increasing tendency to merge differentiations. Brands are feeling the pinch from the lack of a distinctive personality. In a world where the options are many, each interested party seeks the perfect combination for their needs. A world full of clones will hardly represent a choice, or be interesting, fun, or productive.

Let us consider it established that the distinctiveness of the brand (as we will call it here), is a central driver for the existence and evolution of a brand. Also consider it established that public relations is the most innate driver of this ‘distinction’. If both are true, what will be the answer to the question: ‘Will this phenomenon last?’

There are two parts to this answer. The first part is generic and almost philosophical, one that says that nothing lasts forever. This trend is cyclical and we are all happy to be riding the wave. But if you get more specific and ask the question, will this industry overtake others and see a boom in the next two decades? “Without a doubt”, would be my answer without hesitation.

The reasons: firstly, trust in the brand is essential. Without trust in the brand, there will be no brand. Secondly, the distinctive character is as essential for the survival and growth of a brand, as air to breathe, water to quench thirst. Distinction is the unique “I” of a brand and is therefore essential to meet growing consumer demands. Add to that the fact that customer demands are inversely proportional to customer loyalty. So unless the brands have an aura of uniqueness, it will be difficult for any consumer to identify with the brand.

If you reread the previous paragraph, you will see that public relations is the only communication tool that can help achieve both effectively. Building credibility and trust in the organization, brand, or individual are innate goals that any public relations campaign meets. Creating a distinctive identity is the creative design of the campaign that gives relevance to the PR deliverables.

The field of public relations is already growing at a frantic rate and we can only expect it to accelerate in the years to come. But, of course, the industry will need to innovate to respond to critical demands for accountability, transparency, and relevance. Public relations has become an essential nutrient for the growth of any company, regardless of industry, and it is entirely up to professionals to ensure that they do everything they can to maintain credibility in their industry.

An anonymous quote that aptly sums up the way the public relations industry moves can be found in “Yesterday we were learning and still finding ourselves; today we run to race the storm; tomorrow we will fly and find the wind beneath our wings.” – Anonymous

My customers often ask me if Sub Zero refrigerators are worth the money. My answer is always the same: maybe. Let me explain…

If you’re talking about longevity, overall quality, and food preservation, my answer is always absolutely! And if the price fits your budget, it’s a no-brainer for me. I had one a few years ago and I can tell you my strawberries lasted up to two weeks (which was amazing considering my experience in the produce department!); cheese left on a plate (as an experiment) did not mold or crust after a month; and an open container of ice cream was still fresh after discovering it more than a month and a half later.

Sub Zero claims that a family can save up to $25 a week on food that goes bad thanks to the dual refrigeration system. I always thought that was an exaggerated claim until I got one and estimated that I was saving about $10 a week as a single. If you’re a Costco shopper who likes to buy things like the multi-pack of romaine lettuce and finds you can’t get past two heads before they go bad, the moister compartment Sub Zero provides will give you more time to finish. the letter packet.

One big advantage of having a dual cooling system like the one the Sub Zero has is longevity. The average life of a refrigerator today is approximately 10.5 years. Sub Zero’s average life cycle is 17 years. (Weather is a contributing factor. In the Pacific Northwest, where it’s colder than the southern US, refrigerators don’t have to work as hard due to a lower average temperature. It’s not uncommon to find refrigerators Sub Zero that last over 20 years here.) The reason for the longer life is largely due to the fact that it has two compressors. One cools the refrigerator while the other cools the freezer. Most other refrigerators have a single compressor that runs almost all the time. It doesn’t take much imagination to see that the dual system lasts longer.

The overall quality is great because these coolers are still largely built by hand and in the USA. They are a family owned business and take pride in their product.

So I hear you say, “Why does Consumer Reports show a higher repair rate?” Consumer Reports shows the service history of products under warranty. This is a bit of a downside for companies with a generous warranty like Sub Zero. Most companies offer a 1 year warranty on parts and labor with up to 5 years on parts. Sub Zero offers the strongest warranty in the industry – a full 2 ​​years on parts and labor and up to 12 years on the sealed system! The other thing CR doesn’t tell you is that many of the service calls have to do with improper installation (water/ice machine not working because installer didn’t turn on water valve, etc.) or even something as simple as a broken ice machine. Ice makers are the Achilles heel of the appliance world. As great as Sub Zero is, they use ice machines made by Whirlpool. There are not many ice machine manufacturers to choose from in the industry.

If you have a large family and are at the grocery store several times a week, don’t plan on being home for more than 7 years, or if you’re like a disguise of mine as you write your check pay for your Sub Zero proclaimed, “$8000.00 just to keep my beer cold,” you can do just as well for just under $2000, depending on your kitchen layout. However, if it fits the budget, I recommend buying a Sub Zero.

How to Navigate the Illinois Foreclosure Law

In today’s uncertain economy, many families cannot or soon will not be able to make their mortgage payments. Clients who come to my law practice for advice are mortified at the thought of being forced out of their home through foreclosure. Adding to their fears, homeowners who have missed a mortgage payment or missed payments fear that one day the sheriff will knock on their door and force them out of their home.

Fortunately, in Illinois, a homeowner who has missed a mortgage payment, or two payments, or even three payments, won’t have to immediately move out of their home. In Illinois, missing a mortgage payment is not the end of living in your home. It’s just the beginning of the long process of foreclosure (in Illinois), a process in which non-payment of the mortgage will not result in immediate eviction from your home.

Certainly, the non-payment of a mortgage is cause for concern, however, it is not the end of the world. Additionally, understanding Illinois foreclosure law can help homeowners have less anxiety and make better decisions about their future home.

Illinois Law: Delinquent Mortgages Can Be Reinstated

Good news, under Illinois law, if a mortgage defaults, the homeowner can reinstate your mortgage. Reinstatement is effected by curing all delinquent payments (paying late payments) and; pay all costs and expenses associated with the default (generally late interest, late payment penalties, and attorneys’ fees). Replacement payments must be made within 90 days of notification of default.

If the late payments along with interest, penalties, and attorney’s fees are paid within 90 days prior to the notice of default, the mortgage document will remain in effect as if there had been no acceleration or default. See 735 ILCS 5/15-1602.

Illinois Law: Mortgages in Foreclosure Can Be Foreclosed

More good news, under Illinois law, if a home goes into foreclosure, the owner can redeem their mortgage from the foreclosure process. When residential real estate is foreclosed, the homeowner is given a redemption period in which they can stop the foreclosure lawsuit and keep their home.

In Illinois, the owner has 7 months to redeem their home from the date the owner is served with a foreclosure order or is served by publication. See 735 ILCS 5/15-1603.

To redeem your home from foreclosure, the owner must pay the following:

The amount set in the judgment of execution that will consist of

a) All principal and accrued interest secured by the mortgage and due on the date of judgment.

b) all costs allowed by law, this would include late payment penalties, additional interest from the date of judgment to the date of redemption, attorney’s fees and other administrative charges.

In my bankruptcy practice, I often counsel clients who have missed a mortgage payment or two. They are afraid that the sheriff will knock on his door to evict them from his house.

Fortunately, Illinois foreclosure laws allow homeowners (through restitution or redemption) the ability to keep their home and give an owner who has missed mortgage payments enough time to “save” your home.

What to expect if you miss a mortgage payment (don’t worry)

In general, mortgage lenders, large banks, and corporations that make mortgage loans are bureaucracies and usually cannot foreclose on you if you have missed a single mortgage payment. This systemic inability to take action is frustrating, but it’s actually beneficial if you haven’t made a mortgage payment lately.

At my law firm Thinking Outside the Box Inc., our experience has been that the mortgage company probably won’t even notice until you’ve missed three or four payments (usually). We often have clients who have missed three to five payments and have not had contact with the lender regarding the missing payments. We have noticed that if you miss three or four payments and receive a default letter stating that you have thirty days before the mortgage company files a foreclosure lawsuit.

Your mortgage company will then commission a local law firm to file a lawsuit to foreclose on your home in state court.

DON’T WORRY. You have 90 days to reinstate your mortgage if you are delinquent or 7 months to redeem your mortgage if you are in foreclosure.

Even if you ultimately lose your home to foreclosure, you usually won’t have to leave your home for 9 to 12 months from the time you stopped making your mortgage payments.

What should I do if I can’t make my mortgage payments or can’t make my mortgage payments in the near future?

Step one: make the decision

The most important decision to make is “can I afford the house I live in?” Some of our clients have paid thousands of dollars to their mortgage company only to later lose their home. Be honest with yourself, don’t throw your money away on a house that you will ultimately lose.

If it’s long term, you’ll be able to make up the late payments and keep up with subsequent payments, then you’ll be able to keep the house… if it’s long term, you won’t be able to make up the late payments and still continue doing the normal thing. scheduled payments, then you cannot keep the house.

Step Two: Choose Your Optimal Strategy

KEEP YOUR HOME: If you decide you can keep the house, call your lender and come up with a plan to cure your arrears. If you need time, you can file a Chapter 13 bankruptcy. Under Chapter 13 bankruptcy, the Court forces your mortgage company to allow you to make up missed payments over time (3 or 5 years). Filing a Chapter 13 bankruptcy will also stop the foreclosure process.

RETURN YOUR HOUSE TO THE LENDER: If you decide that you cannot afford your house long-term, you will have to return it to the lender. Since you have already missed some payments, the foreclosure process will follow its natural course. After missing three or four payments, the lender will file a foreclosure lawsuit, from the time he receives the lawsuit. Illinois law allows you to continue living in the home for 7 more months (without having to make any payments). This grace period gives you time to save money before you move.

UNDECIDED WHETHER TO STAY HOME: If you are unsure if you can afford to keep your home here is the optimal strategy. There is no point in continuing with your mortgage payments if your financial situation is uncertain and you cannot choose one of the two strategies above. Immediately stop making your mortgage payments, but don’t stop making your payments and spending your money. Stop making payments and put your normally scheduled payments into a checking or savings account. Then, if your finances improve, take the savings, pay off the late payments and fees, and keep your home. If it turns out that your finances don’t improve, allowing you to keep the house, you’ll have some money to help finance your move and put down a deposit for a more affordable rent.

If you’re having trouble making your mortgage payments, don’t worry too much. If you miss a payment or multiple payments, you won’t lose your home right away. Illinois foreclosure law will allow you to restore or redeem your home and give you a good amount of time to do so.

Finally, this article is general information about foreclosures based on Illinois Law; however, it cannot replace the advice of an experienced bankruptcy attorney who practices law in the state where he lives.

Thinking Outside the Box, Inc.

Lawyer Jon Dowat

4320 Winfield Road Suite 200

Warrenville, IL 60555

630-225-9840 or 630-780-8474

Did you know that most people fear speaking in front of a group more than death? Yes, that’s right and death seemed to be an option for me when I found out I had to give a speech in front of my class for my final exam. I started sweating bullets as soon as the words were spoken, but I put it all behind me knowing I had 8 weeks before it all happened.

Those weeks seem to fly by, and before I knew it, I had 4 hours, 33 minutes, and 10 seconds left before I was expecting my doom. I contemplated skipping my speech and getting a C in the class because I felt like I just couldn’t do it. When the time came and my number was called, I found that after I got up in class, giving my speech wasn’t too bad. I got a 96% on my speech, instead of getting a C; I got a B+ in the class. All my hard work paid off!

Here are the guidelines I used that you can use the next time you want to get an A in your speech:

1. Eye Contact – Some people have a hard time doing this! But if you’re looking at everything else besides your audience, they’ll know and tune out. Look at her eyebrows instead of her eyes. They won’t know the difference.

2. Feeling of calm and relaxation – Everyone gets butterflies! Especially right before the speech. Take a deep breath, walk or meditate if you can.

3. Vocal energy- Speak up! You need to involve the entire audience. If the back of the room can’t hear you, they won’t pay attention to you, and that can affect the way you speak.

4. Telling stories: As far as I’m concerned, this may be the most important! The audience doesn’t want to be lectured; they want to feel like they are with you on the journey. People love stories!

5. Organization: this is also important, write your main points on cards. Helps you stay on track.

6. Preparation: The best way to prepare is to practice in front of your family and friends. They can give you great feedback and help you improve. Read your speech a couple of times every day so you can familiarize yourself with the subject, but don’t memorize it, you’ll know it so well that you’ll say your speech and say nothing else.

7. Know your audience – Make sure your speech is appropriate for your audience. Find out what they would like to hear.

8. Engage the audience – let the audience ask questions! They will love you for it and improve your speech.

9. Visual Aids – This doesn’t have to be fancy! PowerPoint is a great

visual aid and is easy to use. Be careful not to talk with your visual aid.

Use these 9 points and you’ll get your well-deserved A! Remember to dress appropriately for the hearing and to see that you are not all over the room. Good luck, you can do it!

The kind that is so “sporty”. She is so “classy”. We often hear such comments. But have you ever wondered what exactly these styles mean? Have you ever wondered what traits, dress styles go along with each of these style quotients? Read on to find out more about 8 different style quotients:

unkempt:

Her life is overloaded with work commitments to even have free time for her appearance. Appearance is secondary or tertiary on your list. You prefer easy and comfortable clothes to fashionable ones. In general, he does not coordinate what he wears, especially when he is in such a hurry or does not like to see his reflection in the mirror. You pick up the most comfortable pair of clothes on display and you don’t mind going out in slippers. Generally window-shopping without much personal interest. Any shine does not catch your eye. His priority is his work and the practicality and feasibility and the comfort that it offers. You love who you are, and you have no qualifications or regrets about it!

Casual:

You like to let your hair down most of the time, you are extremely comfortable in your skin, and you value comfort above all else. You don’t always like trendy products; it has to adapt to your personal taste to land in your wardrobe. You’d rather chill with your friends over a cold coffee or beer (if you’re within the allowed limit), gossip, catch up on the latest releases in your shorts. You’re laid-back when it comes to fashion, so you tone down your style to keep the fun factor intact while making yourself an easy-to-wear combo. You love colors and flowing silhouettes. You love wavy prints and you strut in your shorts with your sneakers or casual t-shirts!

The girl/boy next door:

Your bright eyes and dimpled smile speak for themselves! You have an easy, uncomplicated and attractive manner with others; Traits that are easily recognizable by her baggy jeans, sweats, and carelessly tousled hair! You have a carefree air that is reflected in your gestures and equally attractive. You love to laugh with everyone around you, go out to eat with your girls, and occasionally gossip or complain about other girls. You love receiving and giving flowers, chocolates make your knees weak and you love your old faded jeans more than anything in your life! You are known for your ponytails and cute ear piercing, and we emphasize the fact of your “cute” smile!

Sports:

You are extremely active and you like to reflect the same from the way you dress. Functionality is more important than fashion and a colorful wardrobe is also to your advantage! You love sweatpants and drool/window-shopping every time you walk past an Adidas, Nike, Puma, or Reebok store. Cool Athletes has influenced you enough with their athletic looks in shorts or miniskirts to get you noticed. Sports stars and their sporty style invite you in to a movie in your baggy T-shirt and shorts. Sneakers are the best pair of shoes you’ve ever owned and you wish you could walk into your office in those! You see bracelets and wristbands not just as a style accessory, but you believe in them for a cause. You love colors; be it the brightest shades or even the opaque ones… you just know how to combine them for an “adventurous” look. In general, regardless of your favorite sport, you look like a sporty or modern person with your appearance!

Gothic:

You love rock and heavy metal, you love black nail paints, inks/tattoos, piercings, hair extensions, etc. You love heavy makeup, boots, messy hair, and bohemian lifestyle. You loved punk rock stars and you are ready to go to any limit to have that straight hair with those dark rimmed kohl eyes; they are painted in smokey eye makeup! You love clothes with frayed edges and often scissor your clothes to reflect your feelings. You love dark tints and color and would spend all your pocket money to go to a Metallica concert. Boots, skinny jeans, and leggings are your best favorites and you literally can’t live without them!

Sexy:

You are boom, flirtation and seduction personified! You love form-fitting clothes and you focus a lot on the “asset show”. You flaunt your sex appeal through your flattering wardrobe! You are extremely conscious of your appearance and style, you love to take care of your figure; a regular gym, in fact! Yes, you prefer to be brand loyal, though if an off-brand product makes you look amazing, then it lands in your wardrobe. Your body language is your key communicator; and looking picture perfect is your obsession and passion. You expect various celebrities for various style statements, and if you’re not satisfied with that, make a statement of your own!

Foreground

She likes to think outside the box, following her own style quotient that describes her inner self rather than simply complementing her outer beauty. You are radical, open and daring. You love to experiment with your style and fashion sense through combinations, fusions, contrasts or even extravagant outfits! Your muse or inspiration can be anything unexpected; It can induce you to accessorize your outfit based on your mood, the outside environment, or even your favorite verses of poetry! You mix and match a lot and many times it may not be pleasing to everyone around you or they may not understand your point of view. Don’t be discouraged though, as your experimental outfit defines you; as they say I know what you are!

classy

Rich and ostentatious labels float in your world, luxurious and ostentatious living is your way of life. You literally love your tuxedo and little black dress more than life! Splurging is your forte and glam is your style quotient. You love yourself and have no problem spending for yourself wholeheartedly. You prefer charitable causes; somehow it keeps you grounded and makes you happy! The latest designer clothes are a must in your collection and you update your wardrobe every 6 months at most. You precisely have a dress assigned to you for all your daily wears, from your yoga suit to your bathing suit to your cocktail dress or suit. You enjoy life to the fullest and it shows!