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February 2019

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The trend of Mortgage is on the rise and it has become one of the most common loans in the USA. The houses, no doubt, are a basic necessity of life and owning a house becomes difficult unless you get the support of some leasing company. Numerous companies offer mortgage and miscellaneous loans on varying rates of interest and a client can choose any one as per his preference.

A time may come when a person can not make timely payments of his mortgage and faces the risk of repossession by the finance company. Community Mortgage Group is a highly trusted and credible company that helps its clients in facing such issues.

Community Mortgage Group

It is a Virginia based company with the business spread all across the USA. The company is a specialist in mortgage and they deal with all kinds of loans. The company was established in 1997 and it has links with the legal offices all over the USA. This cooperation helps them to solve the financial problems of their clients.

Advantages Of Dealing With Community Mortgage Group

The Community Mortgage Group is a trustworthy and reliable company that holds very good standing in the financial market. The company has an outstanding customer support system and it is a great experience to do business with this company. The company helps its clients in getting rid of the following loans:-

1. Refinance

Refinancing of loans is an attractive package offered by Community Mortgage Group. There is no issue of any minimum credit limit to qualify for this offer.

Anybody can join it at any time. The company also tries to negotiate with the lending companies to get the terms of the lease relaxed. This causes great help in payments by the client.

2. Debt Consolidation

The Community Mortgage Group deals with matters of debt consolidation. It enjoys good relations with all the credit companies in the states. This helps the company in securing the best rates of interest for their clients. They also try to lower the otherwise high processing fees for debt consolidation and try to support the client in every possible manner.

3. Mortgage

The mortgages are a type of high-interest loan and they may become difficult to pay back in case of job loss or change of income. Community Mortgage Group provides assistance in such situations and tries to avoid the event of repossession of the property. It negotiates with your investors to get you flexibility in mortgage terms.

4. Customized Services

The company is staffed by highly educated and skilled agents. They offer you customized services for their clients. Each plan is carefully thought out and prepared to keep in view the peculiar needs of the clients. This ensures maximum benefit for the client.

Company Contact
The Community Mortgage Group can be contacted on following address:-

234 Expert Circle Suite 200
Princeton, WV 24740

Phone: 304-425-8960

New Mexico Public Education Department Secretary-designate Hanna Skandera wants to see as many of the state’s schools in person as possible, and on Wednesday she paid a visit to Raton.

“I’ve never been to Raton,” Skandera said. “I’m a big fan of seeing schools, visiting folks and getting outside of the Albuquerque-Santa Fe circle, seeing the rest of our kids.”

Skandera briefly toured some of the Raton schools and visited with Raton schools Superintendent Dave Willden about some of the district’s programs. Skandera said her visit wasn’t about discussing state policies but rather about learning what is happening in school districts, what their needs are and what the state can do to help.

“It was nice and appreciated,” Willden said regarding the visit. “I’m glad she was here and saw some good things happening here. Hopefully, she can help us move things forward.”

While visiting students at Kearny and Longfellow elementary schools, Skandera — who described visiting schools as “my favorite part of the job” — said she could tell that the teachers were focused on the students and have them “headed in the right direction.”

“It was all (about) the kids,” she said. “Each one of those kids was proud and willing to learn, and that’s a sign of a good teacher.”

The Raton visit not only allowed Skandera to talk to students, teachers, and staff, but to learn about the district’s desire to build a consolidated elementary school. While touring the schools, Willden filled Skandera in on some of the building issues with Kearny and Longfellow, at which district maintenance staff have implemented some short-term measures in hopes a new school building will eventually be achieved.

The district put a bond issue before voters in 2008 but it failed to pass. Willden has since steered the district’s efforts toward a lease-purchase arrangement, in which the district would use its operational savings — from the closure of the existing three elementary schools — to pay for its share of a new consolidated elementary school, but the district has been unable to get backing from the Public Schools Facilities Authority.

During Skandera’s visit, Willden explained that the district could save about $500,000 per year by consolidating the schools. Skandera told The Range that seeing the schools firsthand helped her understand the situation and that “anyway I can, I’d like to help” the district, particularly when the administration is trying to be “fiscally smart because it means more dollars for our kids. I want to support that any way we can.”

Willden also discussed the district’s partnership with Virgin Galactic, the focus of which is a plan to implement an aerospace career pathways program. Willden heads up the New Mexico Aviation Aerospace Educational Alliance.

“This is awesome,” Skandera remarked after hearing from Willden about the aerospace-related initiatives. She suggested the district might be able to receive career technical education funding through the state to help the effort.

“This is something I want to see (happen),” she told Willden.

Skandera said many officials at the state level have discussed the importance of schools partnering with businesses and the Raton school district’s work with Virgin Galactic is a good example.

“The schools are the suppliers of employees,” she said, adding that the aerospace career pathways program is one example of how schools can respond to the needs of businesses and get students prepared to enter the workforce.

“It helps the students to see what is possible (for their future) and how to be prepared for a career,” Skandera said.

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  • Things that happened in 1972:
  • The Watergate break-in.
  • M*A*S*H premiers on CBS.
  • Atari is founded.
  • The G.711 standard is released by the international telecommunications union.

So maybe that last point is lost on a lot of you, but for those of us in the telecom and technology game, it’s a pretty big deal. The G.711 — the most common codec (a device or program that decodes a digital stream or signal) used for VoIP communications — is 42 years old. That’s like, 200 years old in tech life.

In those 42 years, we’ve seen an explosion in the tech industry. Companies like Google, Facebook and Skype are bringing new disruptive products to the marketplace revolutionizing the way the world communicates (the founders of these companies are all younger than G.711, by the way). Amazing leaps in technology have been made since the standard was released, yet most of the VoIP world plods along with G.711 or, worse yet, uses compression.

So what’s come along that should be replacing this already-aged technology? Successful voice products for the next 42 years will embrace codecs with a couple capabilities:

First is a high-definition voice. Several different codecs can do HD voice, with the most widely supported being G.722. The picture quality on your television has improved greatly since 1972, it’s time your voice calls took the same jump.

Second is adaptive bit rates. This takes HD voice a little bit further. Codecs such as SILK can change their bit rate in real time from as high as 40 kbit/s (5 times higher than g.711) to as low as 6 kbit/s (lower than g.711). Voice is shifting from phone-centric to application-centric. This means more and more calls are being made from PCs, tablets, and other smart devices. These devices are going to be expected to work anytime, anywhere and over any network. Being able to change the bitrate on the fly gives the codec the ability to automatically react to changing and poor network conditions while maintaining an acceptable quality of service.

Its time for the VoIP world to embrace the newer better options available. The G.711 is reliable, but technology has caught up and passed it by. It’s up to service providers to show clients there are alternatives out there, and more being added every day. If we all make the leap forward, it will ultimately lead to a better user experience all around.

For about 10 years I have suffered from Peripheral Arterial Disease. The claudication (pain in the calves, thighs, hips) got progressively worse.

My own fault. I smoke. I love red meat, eggs – all the wrong things. The payoff — elevated cholesterol, high blood pressure, diabetes, clogged arteries.

Bear with me a while — it gets a lot better.

I had about 5 stents put in my right leg, and 2 or 3 in the left. Finally, they said my left leg artery was completely blocked, and could not be stented again. My doctor talked about a bypass, but the description of this didn’t appeal to me – it would last about 10 years at most and couldn’t be repeated, so then I’d probably lose the leg.

Then I had a heart attack. Actually a bunch of heart attacks. I had blocked coronary arteries — 2 more stents. That worked for about 5 years.

So these were my symptoms:

Numbness in toe 2 and 3 on the left foot. Extreme pain in toe 3 on the right foot for several months – constant. Thick hard skin under all toes. Ugly toenails. Left foot always cold and grey. Bruises and marks on shins that wouldn’t clear up (8 or 10 years). Fungus or something on forearms for many years that must be related to circulatory problems, because seems to clear a little when I quit smoking. Walk 1 flight of stairs and need to sit down – some pain. 2 flights, lots of pain. Walk treadmill – 100 ft. and pain starts. Can force me to walk .1 miles (500 ft.), but the pain is excruciating, and need to stagger to a nearby chair and sit for 10 minutes. For the past several months, have been getting pain in left arm after exertion, just like with my heart attacks – mini-heart attacks are back. Also if I lay on it. Cramps in toes and legs at night (2 or 3 times, but not every night). Constant feeling of fatigue in lower back and hips – sometimes pain. Already had several stents in legs and coronary arteries. Can’t quit smoking (did once about 2 yrs ago for 6 months). Can’t put any more stents in left leg — the main artery is completely blocked. The normal progression of problems probably means eventual amputation of toes, then feet, then legs. If I don’t die of a heart attack first.

I was very worried about a major heart attack and toe and foot amputation, so I began to research the web. I found quite a few references to EDTA chelation, with some amazing claims. People who were candidates for imminent amputations were able to avoid this with chelation. I have a friend who told me about this several years ago. He said there was an older man whose toes were black, and he was going to lose them. Several weeks of IV chelation and the toes were normal. Well — that was hard to believe. At that time I put chelation in the very doubtful bag. But all this anecdotal evidence was hard to ignore.

So I looked for treatments. Found that chelation had normally been administered at a doctor’s office intravenously (IV). Then I began to read about oral chelation. Not as immediately effective as IV, but over time accomplished the same thing. I looked for products and found a wide range of prices. Some at about $150 for a month or so of pills. Then I found one for under $15 for about 2 months of capsules.

I also investigated side effects and interactions. Found some references to depletion of zinc, and a recommendation that you supplement that. And a possibility of headaches. That was it. No interactions with other medication (as you can imagine, I’m taking a few). So I thought I had nothing to lose, and I ordered it.

I was nothing short of amazed. Not a miracle like the gall stone flush. Didn’t completely solve the problem. But what an improvement. Stopped having mini-heart attacks. Increased my walking distance before pain from 100 to 500 ft. in about 2 months. And a whole lot more.

I am sure oral chelation would have been much more effective for me if I could just give up smoking. One case mentioned in the literature said that 87% of the people who tried it was helped. Of the rest, most were smokers.

There has been one drawback. I get a lot more mosquito bites. They didn’t use to bother me much. I can only guess that that is because there is more blood near the skin, and those little buggers know it. (See the “Mosquito bites” section.)

About 25 years ago my Dad had a heart attack and subsequently died of pneumonia. No one told him about EDTA chelation. I can’t help but think he could have lived more years had he known, and it makes me angry.

But about my progress, I am ecstatic — no more mini-heart attacks, and I keep wiggling my toes in disbelief – no more numbness, no more pain. And my toes look good – no hard thick skin under the nails, no fungus. My left foot is pink and warm. I can still walk 5 times as far before the pain starts. I look younger and healthier, especially with smaller bags under my eyes. And I feel good.

If you want or need quick results, the IV treatment is best. But it costs $200 to $300 per session, and they typically recommend 30 sessions – about 3 hours per day over 6 to 8 weeks. If you aren’t in a hurry, oral chelation is certainly more convenient, and much, much less expensive.

My sister took EDTA. After 2 months, she ran up a flight of stairs without thinking. At the top, she realized what she had done. She hadn’t been able to run upstairs for many years. And she wasn’t even out of breath.

My barber began taking EDTA. In one week the pains he had had in his legs for over 10 years disappeared.

I have read that chelation works by removing calcium from the blood. Strangely enough, this supposedly does not contribute to osteoporosis. Calcium attaches to the walls of the blood vessels and provides a way for cholesterol to build into plaque. There are other explanations, but this is the most common one given. Calcium is one of the contributors to arthritis. So EDTA chelation is supposed to help with arthritis also. My question is: Does anyone have experience with EDTA chelation as an aid in reducing arthritis symptoms? If you do, please go to the “Discussion” section and tell us about how it has helped you (or not helped you).

Note:
Is there a link between ear lobe creases and coronary heart disease?

Since 1973, several studies have demonstrated a link between a specific form of ear lobe crease on both ears and an increased incidence of coronary heart disease.
It is thought that if an individual has diagonal creases on both earlobes, there may be some benefit in undergoing screening to exclude the possibility of coronary heart disease. Similar links with coronary heart disease have been found with other physical characteristics such as short rather than tall people or women with ‘apple’ shaped bodies.

It is important to remember, however, that not every individual with these characteristic ear lobe creases is likely to have coronary heart disease.
While this and other similar associations are interesting, they may not be such an important predictor of coronary heart disease as other controllable risk factors such as smoking, high blood pressure, high blood cholesterol levels, physical inactivity, being overweight or obese and diabetes.
British Heart Foundation

Controversy exists as to whether the presence of a diagonal crease on the earlobe is associated with an increased risk of coronary artery disease. To evaluate this possibility, Elliott and Harrison performed a prospective observational study.

A total of 108 hospitalized patient were included in the study. Each patient was assigned to one of four groups according to the presence or absence of coronary artery disease and the presence or absence of a diagonal crease on the earlobe. The demographic characteristics of each of the cohorts were similar. Each group consisted of 14 men and 13 women. Mean age at entry into the study was 63 years. Eight to 10 years to follow-up information was subsequently obtained regarding the dates and causes of death.

Fifty-eight of the 108 patients died during the follow-up period. The patients with earlobe creases had a significantly poorer survival rate than those without earlobe creases, whether or not they had documented coronary artery disease at enrollment in the study. Patients with earlobe creases also had a significantly higher cardiac mortality rate and a higher number of cardiac events, including nonfatal myocardial infarction and coronary artery bypass graft.

The study findings suggest that persons with a diagonal crease on the earlobe may be at increased risk of cardiac mortality. The authors recommended that these persons be cautioned to control or to eliminate risk factors, such as smoking, hypertension, and obesity. (American Journal of Medicine, September 1991, vol. 91, p. 247.)

Found this note from “Ask Dr. Stoll”:
Fingernail ridges Across the nail
If this is only on some nails, and they are not at the same level as each nail, then this is most commonly caused by a relative deficiency of circulation to the extremities. Do you suffer from cold hands or feet? If this is your situation, you need to become a student of Skilled Relaxation and to practice it correctly. Within 3-6 months, the circulation to your extremities will improve enough that these ridges will no longer form. Of course, depending on how fast your nails grow out, it could take 6 more months for you to have all normal nails.

Human Immunodeficiency Virus [HIV] belongs to the family of retrovirus that causes Acquired Immunodeficiency Syndrome [AIDS] in humans which destroys the body’s ability to fight infections and certain cancers. The virus is present in the blood, saliva, breast milk and genital secretions of all the infected individuals irrespective of presence or absence of symptoms. HIV infection occurs when these secretions come in contact with tissues like vaginal mucosa, oral mucosa, anal mucosa, or if the secretions come in contact with blood through a break in the skin, blood transfusion, and injection needles. The most common routes of transmission include having sex with an infected partner, blood transfusion, contaminated needles and transmission of infection from infected mothers to their newborns.

Once the viruses enter the body, they multiply and produce billions of HIV viruses and circulate in the blood. These viruses attack and destroy vital cells of the immune system such as CD4 [helper T cells] cells, macrophages, and dendritic cells. The HIV infection leads to a decrease in CD4 cells when the CD4 cell count is below a critical level, the body loses cell-mediated immunity and progressively body becomes more susceptible to opportunistic infections. When the CD4 count reaches below a critical level, the infected person said to have AIDS. AIDS is the later stage of HIV infection and the infections occur in this stage are called opportunistic infections. Many people with HIV infection do not develop symptoms, within weeks of infection, some people experience influenza-like illness. Early symptoms of HIV infection include fever, aching muscles and joints, tiredness, headache, sore throat and enlarged lymph nodes in the neck. These symptoms disappear on their own within a few weeks, the person becomes free form symptoms and this asymptomatic phase often lasts for years. This phase of early symptoms is known as primary infection.

HIV symptoms in men include flu-like illness, significant weight loss, night sweats, fatigue, persistent diarrhea, mouth ulcers, and white spots in the mouth, constant headaches and constant swelling of lymph nodes. In the first week of infection, the person develops low-grade fever [100.4 F] associated with a headache, malaise, sore throat, and pain in joints and muscles. In the second week of infection, the person develops enlargement of lymph nodes in the neck and armpits. Some men develop moderate enlargement of spleen, the condition is known as splenomegaly. The spleen is the largest lymph gland in the body located in the left upper quadrant of the abdomen just below the ribs. Other symptoms of HIV in men include loss of appetite, nausea, vomiting, and persistent dry cough. Men in AIDS stage can develop opportunities infections such as pneumonia, brain infection with toxoplasmosis and yeast infections. The weak immune system in AIDS stage can also lead to other unusual conditions such as Lymphoma [cancer of lymphnodes], Kaposi’s sarcoma [cancer of soft tissues].

HIV Symptoms in Women
Specific HIV symptoms in women are different from symptoms of HIV infection in men, except early symptoms. Within a couple of weeks after the HIV infection, many women experience influenza-like symptoms and some women may not develop any symptoms for many years after the infection. As the infection progresses, HIV symptoms in women include swelling of lymph nodes in the neck, armpits, and groins, frequent fevers with night sweats, rapid weight loss, constant fatigue, loss of appetite, diarrhea and white spots in the mouth.

Specific HIV symptoms in women are subtle and they may not be perceived as warning signs of infection. Often, these symptoms are mistaken for other conditions. Most commonly experienced HIV symptoms in women include recurrent severe vaginal infections, pelvic infections such as Pelvic Inflammatory Disease [PID] which does not respond to the treatment, and abnormal pap smears. Other HIV symptoms in women include genital ulcers, genital warts, recurrent vaginal yeast infections, and severe mucosal herpes infections. Pap smear shows dysplasia, the cervical smear indicates abnormal changes in the cervical cells. Vaginal infections are common HIV symptoms in women which include bacterial vaginosis, and common Sexually Transmitted Diseases [STDs] such as Gonorrhea, Chlamydia, and Trichomoniasis. Due to a weak immune system, women develop genital warts which are caused by another type of virus called human papillomavirus. Genital ulcers caused by severe infection of herpes simplex virus can affect a woman’s quality of life. Frequent vaginal yeast infections indicate low body immunity, which are predominant HIV symptoms in women. Vaginal yeast infections are common and easily treated in normal women, but in women, with HIV infection they are persistent and difficult to treat because of low body immunity.