Philbrick

If you are planning to buy a car it is prudent to plan your finances beforehand. The most preferred mode of financing a car purchase is to opt for a car loan. Using liquid cash in hand is not a very viable option to finance a car purchase. Liquid money is meant to be invested and not to be expended. On the other hand a car loan does not make a hole in your pocket as the loan amount is repaid in EMIs. However, with a range of car loans to select form, it is wise to select the financing option that best suits your needs.

So, if you want to buy a brand new car, check whether you can afford it. Check out the various car loans offers and zero in to the one that is authentic and offers the best interest rates along with acceptable terms and conditions. Once everything is in place, the EMIs should not bother you much. On the contrary, if you do not have enough financial inflow to repay the loan amount for the car you want, it is better to either compromise with a low priced car model or else opt for a used car loan. Used cars are as good as new ones, provided you know the technicalities well enough. Buyers should make sure that a second hand car is not old enough and has not been used extensively. A six-month-old car that had been running for six hours everyday is as good as a two year old car. Rather a one-year-old car that has not been used so extensively is a much better bet. Take note of whether the car has any pre-existing physical damages or not. If you are not very sure of the technicalities, then hire an expert who can guide you through the process. Moreover, the advantage of a used car over a new one is the lower rate of depreciation. A new car, once it is out of the showroom starts depreciating at a much higher rate whereas a used car depreciates at a much lower rate as compared to that.

Some car financing companies look for the credit record of the customers. A bad credit history might render an applicant ineligible for a loan. Such applicants with a poor credit history need not worry about getting the loan. Many financial institutions offer bad credit car loans. These car loans may charge a higher rate of interest as compared to the general car loans but eventually it facilitates a hassle free car purchase. Furthermore, one who has opted for a bad credit car loan can improve his credit history over a period of time and then refinance it with a general loan that has a lower rate of interest.

Financing a car purchase is not that complex after all. All you need to ascertain is your affordability and financial inflow and then opt for the loan that you are comfortable with.

Alfred Anderson has rich experience in the field of online brand marketing. His interests includes Internet marketing and research on emerging online business trends. Bad Credit Car Loans

Are you looking for a timeless album that contains no filler songs and can be enjoyed year after year? If so, look no further than the album entitled Fields of Gold by Sting. Sting, born Gordon Matthew Sumner, was the lead singer of the popular band The Police. This talented artist has been producing high quality records ever since he decided to go solo in 1984.

Sting has always produced eclectic pop music revealing jazz, classical and world influences and Fields of Gold is certainly no exception. A wonderful assortment of songs in all these categories included. This album is a best of compilation of Sting's most popular songs from 1984 to 1994. What makes this best of album so unique is the fact that it contains 3 previously unreleased tracks. "When We Dance," "This Cowboy Song" and an alternate version of "We'll Be Together" isn't available on any of his previous albums. This provides added value to individuals who already own his other albums.

Fields of Gold includes 14 amazing songs, with not one wasted filler in the compilation. Sting is well renowned for his thought provoking, intelligent lyrics so you won't find any "pop fluff" on this album. What you will find on this romantic album are beautiful ballads such as "When We Dance," "Fields of Gold," "Be Still My Beating Heart," "If I Ever Lose My Faith in You," and "Fragile." Sting's sensual voice and poignant lyrics provide a great backdrop to a cozy evening by the fire or slow dancing with your partner.

This compilation is filled with variety in addition to the romantic classics. The song "An Englishman in New York" is reminiscent of Sting's time spent with The Police and "This Cowboy Song" has a unique sound. "Why Should I Cry For You" is a slightly different version of the original song that graced the Soul Cages album. The songs "Fortress Around Your Heart," "If You Love Somebody, Set Them Free," and "Russians" have a distinct jazz feel. Sting brings a great melancholic mix to the album by including songs such as "All This Time" and "Why Should I Cry For You?" They relate to Sting's grief over the death of his father.

My favorite song on the album has to be "They Dance Alone (Cueca Solo)." Perhaps this relates to the fact that I spent many months traveling throughout Chile. I learned firsthand about the awful atrocities committed by the dictator of the country, General Pinochet. He tortured and killed thousands of innocent young boys and men; the hauntingly beautiful lyrics of his song reveal the tremendous sense of loss experienced by the female survivors. Even if you aren't familiar with the background concerning the song, I'm sure you will fall in love with it just the same.

Johnny Moon is a contributer to the Music By Day Music Trivia website. This site features a "What happened on this day?" music trivia fact every single day of the year.

Want the body of a movie star? What reaction do you have when you are confronted with your naked body in the mirror? Chances are you would like to see some improvement or maybe a lot of improvement. The good news is, you can have that movie star body!

Movie stars are no different than you and I. They just have resources available to them that most people only wish they had. Personal trainers are at their beck and call and ready to help them whenever the need arises.

Their personal trainer will provide their chefs with a menu plan that will enhance the exercise program. In essence they have at their command what ever it takes to keep the weight down and maintain that great looking body.

Hold on now! I know you are saying to yourself, I don't have access to all that. What you just said was true up until a couple of years ago. The great news is that today you have at your beck and call the same system that the movie stars have to help you lose the weight you want and best of all work with you to keep you looking "fine".

For years there have been diets. As a matter of fact, countless numbers of diets. Most of them are not worth the paper they are printed on but never-the-less they are diets.

There have been exercise programs around for years. Every body builder or personal trainer had there own program that they pushed off on you. Heck it worked for them why wouldn't it work for you?

The problem was that often time the diet program didn't compliment the exercise program. The result was that countless thousands of people failed and gave up at diet and exercise until the next flashy ad convinced them to try again - only to fail again.

A few years ago some great dietary chefs along with knowing and caring personal trainers decided to come together and provide a diet and exercise program along with peer support, which had been missing altogether that would work to give the participant a win, win situation.

Even though they put together the combination of a customized exercise program along with a great tasting diet program there was still something missing. What was missing was the support and encouragement of others going through the same experience.

No one wants to be an island to themselves. We all need the support and encouragement of those who have been down our path before. This alone has been the cause for many, many untold successes.

In the beginning God said it not good for man to be alone. That is still true today. Whats needed is the support of those who have gone before or who are going through to make it through the hard times. Especially when you hit a plateau and can't seem to lose another pound having the support of those going through and already been there is crucial to our success.

It's also a great feeling after you had success to help a "newbie" out and encourage them.

Unfortunately there are still a lot of useless diet and exercise plans out there. In choosing one make sure it has all three essential ingredients. To be successful a diet and exercise plan needs to have a diet for your type, an exercise program tailored to your needs and then it must have a communication medium for support and encouragement.

If you stick to those important ingredients you too can look like a movie star!

Terry Schierer

Siew (not real name), 44-year-old-female, is a radiographer in a hospital in Hong Kong. In July 2002, Siew faxed me this message:

I suffer from cancer of the breast infiltrating ductal carcinoma in August 1993. Total right mastectomy was performed. Secondary to the bones was detected at the same time. A course of chemotherapy was given consisting of twelve injections over a period of six months. At the same time, radiotherapy was given to the spine and ribs. Two doses of strontium were given after the course of chemotherapy. Tamoxifen and orimetene were taken orally daily all these years.

Everything was in stable condition until August 2001. Secondary to both lobes of liver was discovered. Chemotherapy FAC (5-FU, andriamycin and cyclophosphamde, six injections) was given, followed by eight doses of Taxotere. Now both my lower limbs are swollen. I suffer from pleural effusion (i.e. fluid in the lungs) at the same time. I started on oral chemotherapy Xeloda on 10 July 2002. My limbs feel numb. I feel tired easily and my heart sometimes beat irregularly. I feel short of breath at times. I hope Dr. Teo will help me.

Accompanying this letter were two medical reports. Her blood test report showed that her white blood count, red blood count and haemoglobin were below normal. A CT scan dated 6 July 2002, stated that:
Liver metastases with no significant change in size and number as compared with previous CT scan

done on 12 April 2002.
Right pleural effusion.
Probable bilateral renal cysts.
The lytic lesion in L2 vertebral body. Old fracture of a right lower anterior rib.

Siew was prescribed Capsule A & B, LL-tea, Liver P, Bone, Ascites and Breast M teas.

On 16 August 2002, I received a letter from Siew: I have taken your medication for two days and felt hot. Today, I feel warm only. Other than that, everything remains unchanged. I just stopped the diuretic which the doctor gave me, so my limbs are still swollen.

Her fax in late August 2002 reads: I have been taking your herbs for 3 weeks. My lower limbs and right upper arm are still swollen. The numbness in my extremities still exists but my breathlessness has improved.

Fax of September 2002: The doctor gave me Xeloda again I dare not refuse because he will close my file and I have no one to turn to when problems arise. Dr. Teo is too far away for me to consult if emergency arises. My lower limbs are back to normal only swelling slightly in the evening but will be alright after a nights rest.

Indeed her condition had improved. She had more energy, the swelling lessened and the flatulence in her stomach had disappeared. She did not suffer any more coughs or pains.

Fax of 16 October 2003: I have stopped taking Xeloda since September. Now I only take your herbal tea. I am doing alright at the moment just feeling pins and needles in my fingers and feet. I told my doctor here that I am taking your herbs. I would like to thank you again for helping and treating me and keeping me in good general condition. My sincere thanks to you again.

Fax of 14 January May 2004 (i.e., 2 years on the herbs): I am doing alright all along. I feel well and my appetite is good. Occasionally I have backache.

Fax of 3 June 2005: X-ray of the pelvis showed secondary deposits in the right acetabulum but I didnt suffer any pains at all. I went for a detoxification course in Taiwan in March 2005. I suffered from left sciatica during the course. Physiotherapy did not help at all. I feel that my heart beats very fast intermittently but ECG was normal. Besides all those mentioned, I am doing fine.

On 30 November 2005, Siew wrote: I had an ultrasound done on 28 Nov. 05. The result is similar to that done in May 05. I am doing very well. Thank you for helping me all these years. I really appreciate your kindness and helpfulness.

On 26 March 06 her e-mail reads: I had my blood test done on 15 March 06. Most of the results are within normal range.

I was told that when she first wrote to me, Siew was in real bad shape. Her doctor gave her only a few months to live. But as of this writing, June 2007, it has been five years after modern medicine had failed her, Siew remained well and is still taking our herbs.

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