Kamis, 17 Juli 2008

5 Pregnancy Beauty Tips

Feel beautiful during your pregnancy with these tips.

1. Avoid wearing busy patterns. Wear solids and accessorize with a patterned piece.

2. Accentuate your curves. Don’t wear baggy clothing.

3. Try out a new hairstyle.

4. Improve your posture and avoid the urge to slouch.

5. Moisturize daily, exfoliate and always wear sunscreen.

Jumat, 04 Juli 2008

Reader diary: Dealing with my debt

Thousands of people in the UK are struggling with ever-increasing levels of personal debt.

BBC News website reader, Sayara Beg, 36, a freelance IT consultant from East London, emailed to tell her story of dealing with debt.

CPS:CROSSHEAD STYLE="cross1">Diary entry one: May 1

I am heavily pregnant and in debt.

My debts are not a result of going on spending sprees and exotic holidays. Instead, I and my husband have borrowed to finance our future.

My husband Thomas owns a French restaurant in Holborn, London.

To buy the restaurant, my husband and I had to re-mortgage the family home and my two small buy-to-let properties.


Since when did bank managers assume the right to question when their customers decide to have a baby?

After last July's London bombings, the restaurant suffered a considerable drop in custom.

In November 2005, I became pregnant as planned. My husband and I were very pleased and excited. I had miscarried once before since my first daughter and we desperately wanted more children.

Debt spiral

Financially things seemed to be fine. Restaurant takings, after the earlier problems, had recovered.

But by late February our restaurant business began to show signs of struggling.

My bank advised I take out a personal loan in my name, which I accepted in desperation.

Soon after, my contract came abruptly to an end. I managed to find another temporary job, but when I told them that I was pregnant they gave me my one month notice.

From late May I will no longer have a job and the debts are getting on top of us.


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To make matters worse, in a chance phone call from my bank manager I told her I was pregnant and she immediately questioned whether this was the right time for me to be having a baby.

Since when did bank managers assume the right to question when their customers decide to have a baby?

I told her that I will be writing to her and all my creditors setting out a financial arrangement that should cover matters during my maternity.

CPS:CROSSHEAD STYLE="cross1">Diary entry two: May 7

I will not have enough income to pay any of my mortgage, credit card, secured and unsecured loan repayments from June onwards.

I have decided to write to my creditors to see what can be done.

Instead of burying my head in the sand, I am determined to be open with my creditors about the financial problems and see if they can help.

After all, we are always being told by the banking industry if you are in trouble you should talk to your lenders about it.

Restaurant
Sayara has invested in her husband's restaurant

I considered selling my buy-to-let properties, but they are mortgaged up to the hilt and doing the sums I found I would lose money rather than make it.

I also need the rental income during my maternity.

Desperate case

I need to be careful about the wording of my letter to the credits to demonstrate the desperation of my situation.

I need to do some research and the only means I have for researching at this time of the evening is the internet.

So I begin surfing like mad.

I do a google search of debt management and get lots of results of debt companies offering consolidation loans or fee paying debt management companies, neither of which suit my situation.


Eventually, I suggest a year-long payment holiday, with interest frozen until I return to full time work after my maternity leave.

I cannot afford to take yet another loan and I do not meet the minimum criteria for most of the debt management companies to manage a plan for me with or without fees.

What I need is the appropriate wording to convince my creditors that I am a desperate case and find the right communication style to negotiate a debt plan with each of them.

I change the search to words like bankruptcy, insolvency, financial planning during pregnancy and I get some slightly more interesting results.

I try the following websites:

* www.insolvencyhelpline.co.uk - good but small set of sample letters
* www.insolvency.gov.uk - good for giving an insight into the process of going bankrupt or insolvent
* www.nationaldebtline.co.uk - good set of sample letters

Eventually, I suggest a year-long payment holiday, with interest frozen until I return to full time work after my maternity leave.

I send off my letters, hoping for a positive result.


CPS:CROSSHEAD STYLE="cross1">Diary entry three: May 16

My bank manager is the first creditor to respond. Sadly her response is very negative.

She leaves a message, telling me that she is disappointed to receive my letter and again implies that I may not have thought about the timing and impact of my pregnancy properly.

Again she tells me she can not help me. She explains how she does not have the authority to help me in such a situation and she finishes the message off by giving me the (incorrect) phone number of the bank's personal credit services department and wishes me good luck.

I eventually get through to the bank's personal credit services department.

They were a little more helpful, suggest I put a budget plan together and offer to make some kind of payment.

I say I will get back to them soon with a budget plan.

I know that the public view of debtors is that they are profligate - spending money they don't have in the shops. My position could not be further from this often mistaken impression.

Lenders respond

Kensington Mortgages respond too, in writing.

They say that they do not have a payment holiday policy, nor do they freeze interest or charges and that I must continue to make payments or face the consequences.

They do enclose in their letter a leaflet of some kind of debt counselling service, but it is not clear whether it is their own service or a third party.

I will send them a budget plan as well and see if they might give way a little.


They [The creditors] are still proving very difficult to communicate with

Halifax respond saying they can only offer a six month holiday plan to start from June. After that payments will start again and they do not freeze interest.

They send a formal application form to complete and return, which I do immediately.

My buy-to-let mortgage providers Birmingham Midshires and Mortgage Express do not respond, so I phone them both and they apologise for the delay, but confirm that a letter will be in the post to me.

Birmingham Midshires say that their policy is to only offer a payment holiday of two months, which has been granted to start from June, but after that I will have to contact them again if I have problems.

Mortgage Express say that they do not have a payment holiday policy and that I should send them a budget plan, but that they will expect June payments to still be made.

Halifax Visa and Barclaycard say they have not received my letter. I will send them a budget plan and the copy of the last letter.

My impression, before I began, was that creditors blame people in financial trouble for not taking action early enough.

Here I am trying to take action early - telling them what is what and proposing a solution - and they are still proving very difficult to communicate with.

The opinions expressed are those of the author and are not held by the BBC unless specifically stated. The material is for general information only and does not constitute investment, tax, legal or other form of advice. You should not rely on this information to make (or refrain from making) any decisions. Always obtain independent, professional advice for your own particular situation.

Rabu, 02 Juli 2008

the fastest ways to get pregnant

You and your partner has chosen now to have a baby, and it seems that if you do not take advantage of this occasion, could not get back!

Thus the need to quickly get pregnant.

Here are some tips on how to get pregnant Fast:

United out exactly when ovulating. You have to do it, so you can "TIME sex." The truth is that it is really only a few days a month (for example, 3 or 4), that you can actually have sex to get pregnant.

Sorry guys ...

I really increase their chances of finding by those times when the ideal.

Another thing you can do to quickly get pregnant is to cut back on his dose of caffeine, so if it is dependent on coffee and Red Bull, will have to cut at least until you get BFP!

Caffeine can block sperm regeneration process and you really should be limited, if you want to quickly get pregnant.

One more thing about caffeine ladies ... You must also limit is no more Grande Mocha's for breakfast, caffeine may increase the risk of delays in the first or second trimester abortion. If you want to quickly get pregnant, there really is no place for caffeine, you can begin weaning time.

Another way is to stay on ... Just after raising their hips sex by placing cushions down and stay in this way about 20 minutes, helps preserve of semen from leaking, and let them seriousness when it comes to a little faster.

3 things to avoid when you are trying to become pregnant

When you're trying to get pregnant, you have so many things on your mind. May What are you asking if there's anything you do is damage the progress of a baby. May It's just a few things you should avoid.

Smoking

If you are a smoker, you should really think of to stop. This may make it more difficult to become pregnant, as well as unhealthy for the future baby. Stop before you start trying to get rich will help you not to go back to smoking when you actually do get pregnant.

Drink

Many drink or social or rest on their own, but it may be damaging your ability to become pregnant. May your body does not take into account the idea of how to conceive when they are drinking. This is a good idea to stop drinking, or at least limit when it becomes clear to the child.

Stress

When you are stressed from work or from other things that are going on in your life, you are likely to have a more difficult time to become pregnant in the long run. The best thing for you to do is learn to relax. This will help in many different ways, but it can help you get pregnant faster and easier.

When you're trying to get pregnant, you should really stop the things that are not healthy for you or your future baby. In this way you will not have to worry about stopping when pregnant at the end.

Days to become pregnant - When is the best time to become pregnant?

Is there a better time to become pregnant? When is the best time to become pregnant during the reproductive cycle?

The best day pregnant generally the time when ovulation. To better understand when is the best time to be pregnant, you will find advice in relation to pregnancy:

1st know their most fertile time - in general, ovulation occurs approximately 14 days before its next period. In other words, if your menstrual cycle is 28 days, which could day # 14 of the most fertile day (# 1 is the first day of your last period started). If yours is 30 - day cycle, # 16 days may be time to go. A 32 - day cycle will be # 18 days as one of the best days to be pregnant.

2nd Track your basal body temperature - one cheap basal thermometers may be purchased and used to schedule a little increase in the temperature of your body awakening each day when the alert is the best time to be pregnant. Increasing basal temperature should be only one-tenth of one degree or so, a basal thermometer can detect this type of low temperature.

3rd Monitor your Zervixschleim - ovulation leads to a change in appearance and consistency of Zervixschleim. By checking every day, you can see "egg-white as" vaginal discharge, indicates that ovulation and are the best days to be pregnant.

4th Get and read a good book of fertility - learning as much as possible for fertility, pregnancy, pregnancy and healthy child.

5th Use ovulation prediction kit - these cheap sets to predict ovulation in advance, so that definitely know when is the best time to be pregnant. This test has proved extremely accurate in detecting the rise of luteinizing hormone usually occurs in women 24-48 hours before ovulation.

The decision to pregnancy and have one child, and rearding exciting experience. During this journey is often unpredictable decisions, you can now set for your health and your baby. The better your health as you are pregnant always their healthy baby.

Top 10 tips to conceive

The following what I have found that the best advice for getting pregnant. This advice about
get pregnant should help you and your partner become pregnant quickly.

1 - Avoid smoking, drugs, alcohol and caffeine.

2 - Exercise at least 30 minutes 5 times a week, preferably doing something you love. Walking
is a good exercise, as well as swimming or aerobics.

3 - Reports red - Know your dates and ovulation babies have sex in the days and up
including your day of ovulation. If you have any relationship, whenever you want, you can
still become pregnant, but it is better to focus on the best time to be pregnant in order to
get pregnant soon.

4 - The best sexual position for design appears to be a missionary (man on top) position, but there are many other positions in which pregnant women have achieved. This position gives the sperm a better chance to reach their destination - awaiting egg.

5 - Eat well-balanced diet rich in fertility in fruit, vegetables, whole grains and nuts. Similarly, drink lots of pure filtered water per day, at least 6-8 glasses.

6 - Take a good multivitamin / Multimineral prenatal supplement that contains at least 400 mcg of folic acid per day per serving.

7 - Using fertility plants to improve your chances of getting pregnant faster. Some plants are MACA, spirulina, red raspberry leaf, and nettle.

8 - Relax and enjoy the moment you have with your second and try not to be too structured in their time together.

9 - lose weight, if your BMI is 25 or older.

10 - Do not forget the male partner and the potential for male factor infertility. Semen health is essential for the couple to be faster. Have a semen analysis done to ensure that male infertility is not a problem. The male partner must only be taken great care to his diet and habits as a female partner.

6 tips on dealing with pregnancy III does not apply

Is the last quarter of the time, the growth of the child. This stage of the dramatic growth in children, although natural, introduced its own set of challenges faced by the pregnant mother. Pregnant women to the first child is often a time when tensions sensational. This is the central nervous excitement of complex issues during childbirth.

I do not deal with the mystery of the last quarter is not a magic wand. On the contrary, most of these tips are some of the most fundamental, and a pregnant mother to deal with the symptoms of trouble, the last quarter of the year.

• childbirth classes to take - a pregnant woman to the birth of classes will be to understand what happens during childbirth. Of particular importance for the first time the mother of these classes to help them with the mother of interaction, and gave a child before. If help had been positive and we look forward to exchanging experiences of the mother, because it will help calm the nerves of some of them.

Regular massage • - one of the disturbing symptoms of the last quarter of swelling in the feet. Pregnant women can deal with the symptoms, ask their partners or massage therapy to massage their feet, twice daily.

• sleep on your left - Pregnant women can guarantee themselves a good flow of blood to the uterus and kidneys are sleeping on the left side. Uterus and kidney He is the most devices, in the fourth quarter. Sufficient blood supply to these organs, to ensure that pregnant women should do what it can to avoid some pain and irritation.

• Avoid alcohol - alcohol is strictly, and not during pregnancy, the mother of any stage of pregnancy, not to mention the last quarter. Alcoholic beverages can be extremely dangerous to children because they release toxic substances, pain in the body.

• About 15 per cent of pregnant women in the United States had reported that a strange feeling of unease in the legs, known as Acquired legs concern. A feeling of unease that found in women, even while they are still in the legs. Women can deal effectively with this health-care providers to iron deficiency.

• dealing with spasms - in the last quarter of pregnant women often face spasms, when sitting or sleeping to change position. This could be a counter-offensive, and if the pregnant woman correct legs and feet to the highest flexible.

You can see that some of the best tips on dealing with irritation in the last quarter to do can be done by pregnant women themselves. All you need is a little effort, from pregnant women to help alleviate at least some of them in the last quarter of discomfort.

4 practical advice to help you get pregnant

Preparations for pregnant women and is not always easy to do what you want it to be. Is often said that feeling when you're ready to try to get pregnant, it is now more difficult to become pregnant by mistake. There are some practical tips you can try, to help themselves easily to pregnant women.

1. Relaxation. Studies have shown that men and women is one of relaxation and enjoyment of sex is much more likely to become pregnant. Emphasizing the way, which is good days and attitudes that are the best ways to limit access to pregnant women. The attempt to free and enjoy sex with your partner. Are you likely to become pregnant.

2. Make sure you are in good health. It is also difficult to get pregnant if you were not diseases - and not even try to secure, subject to certain conditions. To go to the doctor and test it, just to make sure that everything is OK with you. Tell your partner to go to just to be sure he in good health. You'll find this will help to be enjoyable and less stressful.

3. Eat well. There are a lot of food is that good design, and some food, are not. For example, you can improve your chances of pregnancy, but the regular exchange of olives and olive oil. There is no search for a healthy diet during pregnancy should be, after hitting at the earliest possible opportunity.

4. Exercises. This will help you obtain a form, is pregnant, as it helps to ensure that you are sufficiently healthy to become pregnant

Advice on how to become pregnant

So you're having trouble getting pregnant?

Getting a little frustrated? If you wish to have a child naturally?

The truth is, many will think that fertility problems, and this is simply not the case. Often couples who are so desperately trying to become pregnant are just missing a thing or two.

Problem # 1 Sex time - during sex or "baby-dance" is probably the most crucial thing you do to get pregnant. This is, actually, one of the best advice on how to become pregnant.

You see there are really only two or three days per month that you can get pregnant, and these days, when they are ovulating. This is, actually, the best days before ovulation to have sex.

Problem # 2 Top What should avoid - There are very few things that can effectively prevent the acquisition pregnant. Fumat, alcohol and drugs. I know it sounds like common sense, but these are things that really should quit if it looks at how to become pregnant. # 3 weight problem - Now, in my experience many women who want to become pregnant are somewhat overweight. Best time to lose weight before the child is and, actually, will help you understand faster. We believe it or not, this applies to you and your spouse, and purchasing in maintaining a healthy weight will be his sperm count, too.