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Outsmart Your Broker: Avoid Paying Yield Spread Minimum


Outsmart Your Broker: Avoid Paying Yield Spread Minimum

Christmas Day @ Antietam National Battlefield
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If the rule of the jungle is survival of the fittest, the rule of the mortgage industry is success of the sharpest. To get the best value for your money, you have to outsmart, outguess, and outmaneuver your mortgage quoter. However, these three verbs are easier said than done. After all, if your mortgage quoter flourished in his or her chosen industry, then odds are, this person has outsmarted, outguessed, and outmaneuvered clients like you for years. In fact, it’s even possible your broker eats fledgling negotiators like you for breakfast.

The best that you could hope for is to level the playing field. How do you do that? By letting your mortgage quoter know you are no babe in the woods. The best way to accomplish this is to let your mortgage quoter know you know all about the Yield Spread Minimum.

What Is Yield Spread Minimum?
Mortgage quoters are retail vendors for wholesale lenders. When you qualify for a loan, the wholesale lender offers your broker a written guarantee of your interest rate. Using this rate as the base, the mortgage quoter then marks it up and provides you with a separate written guarantee. Yield Spread Minimum is your broker’s markup. This is where his commission comes from.

Why Do Mortgage Quoters Inflate Your Interest Rate?
The answer is simple. The wholesale lender pays them a bonus when they overcharge. Every time your mortgage quoter gets away with raising your interest rate by .25%, he gets a point from the wholesale lender. Naturally, your mortgage quoter, – in this case, your broker – would do anything to earn those points. After all, one point is equivalent to one percent of the loan amount. Depending upon the amount of your loan, your mortgage quoter stands to earn a sum ranging from respectable to obscenely high!

Can You Avoid Paying the Yield Spread Minimum?
Of course! There is a way to avoid shelling out bucks for the yield spread minimum. Ask to see the originate interest rate guarantee from your mortgage quoter. Then, tell your quoter you agree to pay the origination fee and closing costs, but not the Yield Spread Minimum. You may do this because technically, your mortgage quoter is charging you commission twice – in the origination cost and then, in the Yield Spread Minimum.

Is the Origination Fee Enough Commission?
Yes, it is. When you take out a mortgage, your mortgage quoter gets somewhere between 1 and 3 points. Because one point represents one percent of your loan amount, you bet your downpayment this is a hefty sum! Origination Fee is the commission your broker gets for setting up your loan.

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The Yield Spread Minimum is a clever way for mortgage quoters to line their pockets. Unfortunately, it translates to unnecessary expense for the borrower. Protect your hard-earned money by following the rule of the paved jungle of the mortgage industry. You have to outsmart, outguess, and outmaneuver your broker.

All you want to know about vaccinating your pets


All you want to know about vaccinating your pets

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Timely vaccinations are very important part of pet’s health. Different types of vaccine shots are to be given at different times. Some people are against vaccination and some are in favor of vaccination, but the assertion is that there are risks involved with both. A firm statement cannot be passed on a broader level, instead the rules vary from one individual animal to another depending on the needs and tolerance levels of the animal. There are certain factors based on which the decision must be taken.

Young ones which have been separated from their mothers before six weeks and are bottle-fed are at a higher risk of getting diseases. This is because the animals, which feed on their mother’s milk, get maternal antibodies, which protects them until their own immune system has been fully developed. The development of immune system can differ on the basis of amount and type of viruses they are getting exposed to, the potency of the virus and the body’s ability to face the virus attack. Diet and nutrition also plays an important role in preventing diseases.

Animals, which aren’t exposed enough also needs to be vaccinated so as to alter the system and help develop it, without causing illness. The quantity is also important, because a little more virus can actually infest the disease in the animal. The amount can be determined by analyzing whether the animal has a weak or strong resistance to the virus.

Age is also another important factor. Animals, which are older in age, react differently. One of the reasons is that the system will be obviously weaker because of the daily activities, when compared to the younger ones. Sine their immune system would have undergone different conditions; there could be a possibility of deposition of toxins in the body. Sometimes the healthier older animal won’t be requiring vaccination at all if it has received adequate shots before.

Before vaccinating an animal, its history should be checked. The number of times a particular vaccination has been given should be checked against the records. There are breeders who give a weekly dose of vaccination to their animal, which is for sure an over dose. This leads to many problems such as thickening of blood because of the protein complexes released from the immune system. This can also damage other internal organs and might even result in the failure of the immune system. In worst circumstances, it could even lead to the death of the animal.

Pregnant females react differently to the vaccines when compared to their male and female counterparts. The pregnant females should never be injected with live virus vaccines or even exposed to other animals that have recently received them. Animals, which have been injected with dead-virus vaccines, are safe for the childbearing animal.

Animals, which are already suffering from a disease, should be examined more carefully, so that the vaccination doesn’t aggravate the problem. Genetics also plays an important role. If the animal stands a chance of getting a disease because of hereditary reason, vaccinations can create an adverse reaction.

The environment also plays a major role. If the animal is kept in a sanitary and clean place, it is exposed to lesser viruses, which lowers it’s chances of getting diseases. A dirtier environment not only spreads viruses and bacteria but also affects the immune system and other systems adversely as toxins begin to deposit in the body. The vaccination plan should be designed after analyzing the lifestyle of the animal.

Georgia State at Georgia Tech Men's Basketball (12-21-21)
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Another major reason for difference in the quantity of vaccination is the improvement in the vaccinations itself. They have become safer and more efficient. No tests have proved the affective period of the vaccinations. Every state and country has different regulations about vaccination. Vaccination testing cannot only risk the life of the animal, but as well as that of a human. For example, if a dog, which is being tested for rabies vaccination, bites a human, it can lead to the death of the human, in extreme circumstances. Many states in United States demand vaccination when owners try to get permit for exotic animals. The facility vet decided which vaccines should be given and which should be exempted for the safety of the animal.

Alarming Marketing Trend


Alarming Marketing Trend

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One key discipline of successful direct marketing has been to test marketing communications tactics to continually improve results. There is now an alarming trend according to a recent survey that we conducted among business-to-business marketers who are readers of Sales Lead Report.

Only 24% of the marketing professionals surveyed said they usually or always test their marketing communications tactics before rolling them out. The survey was completed by 280 of 940 subscribers who received and read a special edition of the enewsletter Sales Lead Report.

When asked if they test marketing communications tactics before rolling them out:
Less than 5% (4.5%) said they always test;
Less than 20% (19.5%) said they usually test;
27% reported they occasionally test;
Nearly 34% (33.7%) said they seldom test;
15% (15.2%) said they never test.

In other words, nearly half of the survey participants (48.9%) said that they seldom or never test marketing communications tactics before rolling out their campaigns.
When asked about the reasons for not testing:
More than 50% (50.7%) said they had no time for testing;
Almost a quarter of those surveyed (24.8%) said they had no budget for testing;
More than 16% (16.3%) said they had no systems for tracking test results;
Just over 8% (8.2%) said they had no need for testing.
The survey further showed that fewer than 5% (4.6%) said they always test and more than 19% (19.5%) said they usually test marketing communications tactics before rolling them out.
Based on those who do test:
A little over 41% (41.1%) percent said the audience was the most important thing to test;
Nearly 39% (38.7%) said the offer was the most important thing to test;
Almost 15% (14.9%) said the copy was the most important thing to test;
Just over 5% (5.38%) said the media was the most important thing to test.
Successful direct marketers have always touted the value of testing in making the scientific decisions about their campaigns. In today’s economy, sadly, testing appears to be considered an optional activity; one that is used only for very large campaigns or when prospecting for new audiences.

Ricketts Glen SP (275)
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This is an alarming trend. Eliminating testing because of cost is like playing Russian Roulette with your marketing campaign. Sometimes you’ll be safe, and the campaign will bring results. But you’ll never really understand why. And unfortunately, one major marketing failure could put a massive hole in your growth strategy. †
Think long term vs. short term to reap the sure-fire benefits that testing will give to your marketing campaign.

High Yield Investing


High Yield Investing

American Goldfinch
Source: Flickr

What does High Yield Really Mean?

High yield investing has taken on a totally new dimension since the introduction of the internet and the basic personal computer. In the United States, a high yield account is considered to be anything over 5% monthly. Of curse as the old adage goes, the higher the yield the larger the risk. This is true. You can not expect to earn more than an average percentage rate with less risk. It just doesn’t make sense.

When discussing high yield interest accounts, are we talking about a savings account that produces a 5.4% annual percentage return? Well, yes. And no. It depends on who you are and what you consider to be possibilities and realistic.

By now most of us have heard about investment programs that claim to be able to produce ridiculously high returns. Traditional investors cringes when they hear terms like 25% per month for one year plus the return of principle, and they nearly quiver when they hear claims of 300% in eight weeks. Certainly these high yield investment programs must be scams. How can it be possible to produce such returns in such a short amount of time? And why isn’t everyone out there doing this if it can really happen? If these high yield investments hold any water then in just five short years we could wipe out poverty and homelessness and no child would ever go to bed hungry or sick again!

Are High Yield Investments Scams?

Believe it or not this question is not a simple yes or no response. It can’t be. The short and safe answer would be yes, they are scams. However, it is important to understand what they are and why they have not all been shut down by the government if they are nothing more than a way to steal your money.

High yield investment programs are not a place to try to earn an income. They are extremely volatile and unpredictable. People can and do make money from them, and sometimes it’s a significant amount of money. But don’t get excited and start rushing out to re-mortgage your house just yet.

Read every single disclaimer on a high yield investment program website and they will all say the exact same thing. High yield investing comes with the risk of losing money. Never invest more than you can stand to lose. Why? Because every high yield investment program will eventually crumble and those with money invested are going to lose.

High yield investment programs are based on principles similar to gambling. While most of do not, there are people in the world who make their living traveling around to casinos and gambling. Is it a scam? No. In fact most of us at least respect the fact that the individual is competent enough at playing casino games that they can earn a living at it regardless of how we feel about gambling ourselves. The same applies to earning a living from high yield investment programs. Most investors do not even consider them real investments and scoff at those who attempt to earn a living through high yield investing.

Most people who are able to fund their lifestyle and earn a living through high yield investment programs started in using one of two methods. They either jumped in with both feet at the first program that sounded good to them and lost everything they invested or they researched high yield investment programs until their fingers went numb before ever investing a dime. Either way, both parties came to the conclusion that to come out ahead in high yield investments programs they would have to do ample research and completely understand the system and principles before they were going to succeed.

Earning a living through high yield investment programs takes a system that is easy to implement and follow to prevent early closing and hefty losses. This system takes a lot of due diligence and of course, some very specialized knowledge about forex trading and even gambling.

Reading the website’s method of investment can tell the average high yield investor a lot about the security, or lack thereof, for any particular program. Most will admit to trading in forex, which any average investor can do with a little knowledge and research. Some will tell you that they are trading in commodities as well and some admit that they are also gambling with the investors’ money, literally. Any website that says they are gambling using fool proof methods of winning should absolutely be avoided at all costs. There is no fool proof method of gambling.

High yield investing is probably something to be avoided altogether, although that is an individual choice only an individual investor can make. However, if you choose to get involved with a high yield investment program and you loose your money, that was your choice as well. Just like it is possible to loose money in the stock market, you are likely to loose money in high yield investments. An investor that looses money in the stock market doesn’t typically file a lawsuit against the broker, so why are people so quick to file lawsuits and complaints when they loose money in high yield investment programs?

The answer is unpleasant but for the most part it is true. Greed. We can accept that there are poor investments out there and should we loose three or four thousand dollars in a bad investment we accept it as part of the potential outcome of investing. Yet because we got excited and our minds started spending the money we were hoping to see through a high yield investment now suddenly the people who run these programs are thieves. High yield investments are investments even if they do border on scams and you run the risk of losing your money. Remember the basic principle of any investment? The higher the return the more likely you are to lose your money.

High yield investments are incredibly risky and some of them are actually scams. Scam artists are everywhere and if there are people in the world who are willing to fork over thousands of dollars in the unrealistic hope that they can turn it into ten of thousands of dollars in a relatively short period of time then there will be people who are willing to steal that money from potential investors.

People are willing to donate their money to any valuable cause, so there are people who are willing to set up phony charities to steal donations from giving people. That certainly doesn’t make every charity a scam and people aren’t going to stop donating to charities of their choice. Just as there are individuals who will take advantage of people’s kindness and desire to give to charities, there are individuals who are interested in scamming money from people who are trying to improve their financial portfolio through high yield investment programs. That doesn’t mean every single high yield investment program is a scam.

The one thing all high yield investment programs do have in common is that sooner or later they will all fold, even those that start out being profitable. Just because a high yield investment program starts off producing the returns that it proposed in the beginning doesn’t mean that it will continue to do so over a long period of time. This is how the high yield investor gets dramatically burned. One or two programs that delivers for a period of time doesn’t mean it’s time to quit the job and devote all the available resources to high yield investing. It means that one or two programs are doing well. They will not do well forever and sooner or later they will crumble. That is the nature of high yield investing.

High Yield versus Conservative Investing

Which investment strategy is right for you? Only an individual investor can answer that question for their own interests. Some people can tolerate the significant risk factors while others prefer the stability of the more conservative and conventional methods of investing. Some people are more willing to take a gamble than others, and by all means high yield investing is a form of gambling.

There are dramatically fewer scams in conventional investing. Some people will always believe that high yield investing is a scam and there is nothing that will convince them otherwise. Just because some people are able to be successful doesn’t mean that a program is not a scam. And just because something is a scam doesn’t mean that some money can’t be made anyway. Does it make it right or real or worthwhile? Again this is something that each individual investor needs to determine for themselves.

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For solid investment advice and a clearer path to investment success, independent advice and research is the best way to go. For all kinds of independent investment advice, stop by onlinetradingideas for comprehensive investment strategies, advice, and independent research. This site is particularly useful for making the most from conventional trading ideas and profiting from forex trades without having to enter the realm of high yield investment programs.

Every Baby Deserves TheBest Shot At Good Health Hib VaccineProtects Against Dreaded Disease


Every Baby Deserves TheBest Shot At Good Health Hib VaccineProtects Against Dreaded Disease

M4A1 Sherman II T269979 Berjou at Tankfest 2021
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As a parent, you want to give your child the best shot at a long, healthy life. A key to ensuring your child’s well- being is on-time vaccination against devastating but avoidable diseases.

One such disease is Haemophilus influenzae type b, commonly referred to as Hib. Hib disease usually occurs in infants and preschool children and is caused by bacteria. Hib can develop into a serious, often life-threatening illness. Most children will survive a Hib infection, but they may experience a number of potentially life-long complications. A disease called bacterial meningitis, which causes swelling of the protective covering of the brain and spinal cord, is the most common Hib infection. Survivors of Hib meningitis may suffer mental retardation, deafness, learning disabilities, motor abnormalities or seizures.

Prevention Is Key

The good news is that prevention is available. “Hib vaccination in this country has been so successful that many parents and pediatricians have never even seen the disease, much less the permanent damage it can cause,” said David Greenberg, M.D., Director, Scientific & Medical Affairs, sanofi pasteur. “As long as parents and health care providers continue to vaccinate infants and children on time, we can prevent the return of this disease. Even one case is too many.”

Amazingly, just two short decades ago, about 20,000 people-most under the age of 5-suffered from Hib infections each year. But today, thanks to the introduction of ActHIB (Haemophilus b Conjugate Vaccine [Tetanus Toxoid Conjugate]) and other vaccines that protect against the disease, fewer than 100 cases are reported annually.

While the number of Hib cases is currently low, health experts caution parents that they shouldn’t let their guard down and remind them that the best protection is through on-time immunization. Your child can get Hib by being around children and adults who may be carriers of the bacteria and not know it. Day care attendance, having school-aged siblings and living in a large household each increase the risk for disease.

On-Time Vaccination

Is The Goal

Since the late 1980s, immunization during infancy has been the most effective way to prevent Hib. Protection starts with a series of vaccinations between 2 and 6 months of age, followed by a booster dose between 12 and 18 months of age. The injections should be received at these specific ages, so no matter how busy you are, be sure to bring your child in for all scheduled vaccination visits.

Today, Hib is rare, but it is still a threat. That is why it is important that babies receive recommended immunizations on time. Talk to your health care provider or local health department about Hib vaccination, or go to www.Hibdisease.com or www.Hib.com for more information about Hib and other vaccine-preventable diseases.

Safety Information

American Goldfinch
Source: Flickr

There are risks associated with all vaccines. Local and systemic adverse reactions to ActHIB vaccine may include injection-site redness, swelling and tenderness, as well as fever, irritability and drowsiness. Other local and systemic adverse reactions may occur. ActHIB vaccine is contraindicated in children known to have experienced a severe allergic reaction to any vaccine component or following a prior dose of the vaccine, as well as in children who are less than 6 weeks of age because of the potential for development of immunologic tolerance. Because intramuscular injections can cause injection-site bruising, if it is determined that the potential benefits clearly outweigh the risk, intramuscular injections should be given with caution to persons with any bleeding disorder. Vaccination should be delayed in children with moderate or severe acute illnesses; however, minor illnesses (such as mild upper respiratory infection) are not contraindications to vaccination.

Common questions about vaccinations


Common questions about vaccinations

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Common questions about vaccinations are to be understood by the dog owners, as a priority. One of the common questions is whether the dog needs to be given vaccination on the first week of age or not. The dogs need not be vaccinated within five to six weeks of age. But, if they did not receive vaccinations, then the vaccination against the parvoviral infections used to kill viral vaccines and measles disease may be given.

Another common question is whether dog is to be given bordetella disease vaccine and lyme disease vaccine. No, these vaccines are only optional. Can the parvoviral vaccine can be used in first week of life? No. This will interfere with maternal antibody levels.

Can a pregnant animal be vaccinated? Yes. Two to three weeks earlier to pregnancy activity that is expected, the pregnant animal may be vaccinated against viral diseases. This helps to provide maternal antibodies to the young one to be given birth. Is there any need to give rabies vaccine to dogs? Yes. It is a must to go for the anti rabies vaccine for dogs.

When this anti-rabies vaccine is given to the dogs, what precaution does one need to undertake in this regard? Rabies vaccine is given at age of thirteen to fifteen weeks of age and should to be repeated in fifteen months and then once in three years. It is important that the dog is given this vaccine.

However, this depends on the risk area. Is there any need for canine distemper vaccination in case of dogs? Yes. There is a specific requirement in the case of dogs for the vaccination against the canine distemper. This disease is more prevalent in most of the countries.

Boeing Stearman PT-17 Kaydet (A75N1) N56914 75-2101 VN2S-5 569 US Navy
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Is there any vaccination against leptospirosis and at what age, the dog is to be vaccinated? This is to be given at age of at six to eight weeks of age, again at tenth to twelfth weeks, and again at thirteenth to sixteenth weeks of age.




American Goldfinch
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A College Level Examination Program Test or CLEP Test is an educational test designed and fabricated by the College Board, a not-for-profit examination board in the United States. A CLEP test is also termed as ‘CLEP Exam’ or simple CLEP. A CLEP test is instrumental in helping the US students in high schools or universities to achieve credits for the successful completion of each course for each academic term.

A CLEP Test is mostly 90 minutes long test that mostly includes multiple-choice questions or fill-ins, except for English Composition with Essay. The current fee for a CLEP test is $60 ($65, effective July 1, 2007), but a CLEP test is free for the members of military services. A CLEP test is based on the syllabus taught in courses that are taken by most students as requirements in the first two years of college. A CLEP test may be based on one-semester course or full-year or two-year course.

A CLEP test helps the students save time. They can get college credit for what they already know. They get rewarded for what they have learned through independent study advanced high school courses, noncredit adult courses, or professional development. A CLEP test helps the students save money. The cost of a CLEP exam is just $65, which is nothing as compared to hundreds, even thousands of dollars spent in tuitions. The test is free for military service members. A CLEP test helps making college more interesting; the students can move right into advanced courses. A CLEP test can help students to complete their graduation timely, if they are just a few credits away from graduating. A CLEP test helps the students demonstrate their knowledge and proficiency.

Over 2,900 colleges and universities accept CLEP General and Subject tests for credits. The American Council on Education (ACE) recommends minimum score for awarding credit. The institutions determine the standard of acceptable score and the amount of credit granted for each CLEP test.

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Presently, CLEP test are available in Business, Composition and Literature, Foreign Languages, History and Social Sciences, and Science and Mathematics. A business CLEP test can help earning 3 to 6 credits; Composition and Literature CLEP test can help earning 6 credits; Foreign Languages CLEP test can help earning 6 to 18 credits; History and Social Sciences CLEP test can help earning 3 to 6 credits; and Science and Mathematics can help earning 3 to 6 credits

Anthrax as a Natural Curse and Dangerous Biological Weapon


Anthrax as a Natural Curse and Dangerous Biological Weapon

TTX on Mecro
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Several cases of cruelty of terrorists are still remembered among those who were terrified by the white envelopes sent to countries that took active part in the war of Afghanistan. What that deadly packages carried, were the spores of anthrax that caused one of the most terrible diseases existing. We know the saying that lack of information does not release from responsibility, so it is better to know all the details about the malady to discover it on time. Anthrax is a disease existing among animals, cattle and sheep in particular. Nevertheless it can be transferred to a human being if he or she is in direct contact with an infected animal. The regions of great danger are South and Central America, South and Eastern Asia, Africa and several countries of the Middle East. The symptoms show up in less than a week after being infected.

To disclose the symptoms of anthrax we have to know the ways the infection spreads. One of the possible ways to get infected is to get spores onto one’s skin. At first it looks a bit shrunk, lacks moisture and looks irritated. Then a bump appears to develop into the ulcer. An ulcer looks like an ordinary skin disease, but if to take a closer look, it has a black area in the center of the ulcer. The only way to avoid lethal case is to run for help to hospital and not to try self-treatment. Another case of being infected is to inhale the spores that go down to the patient’s airway. First symptoms are very much similar to those a person has when suffering from influenza. But then people have difficulties with breathing and shock, similar to one epileptic have. If the person has been intestinally infected, the symptoms are similar to an indigestion problem but then the complications get severe and the lethal case proceeds. There is only one way to avoid the horrible end and that is to do the vaccination.

American Dipper
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Some of the profession representatives have it regularly and fined if haven’t had it. The vaccine was introduced n the US first and released for use only in the 70’s. People like butchers, farmers, veterinarians have to do vaccination regularly. Now the main task of the UN is to provide countries of the third world that have problems with anthrax with vaccination to save people from horrible death. Diseases like anthrax are used as a biological weapon by terrorists and during wars that is the cruelest way of assassination that is absolutely inhumane. To have the shield from the weapon we have to use our knowledge and our concern.

An Udderly Ridiculous Home Remedy


An Udderly Ridiculous Home Remedy

American Goldfinch
Source: Flickr

Home Remedies – Facts or Quacks?

That’s what I recently asked myself. Myths and legends often have their basis in a grain of truth. So I wondered if home remedies, alternative treatments, and folklore cures might also be based on truth. A little research provided these astonishing results!

Itching For A Cure

Edward Jenner is widely credited as the father of the smallpox vaccination. However, twenty years earlier in 1774, a quick-thinking English farmer named Benjamin Jesty saved his family from smallpox using some pretty unorthodox methods.

Waiting Until The Cows Come Home

In 1774 the highly infectious and deadly smallpox disease was epidemic. Farmer Jesty, immune to the disease because he had survived it in childhood, feared for the lives of his pregnant wife and children. Many country folk knew that people who had previously caught the milder disease of cowpox from an infected cow did not catch the normally-fatal smallpox disease.

A Desperate Plan

Frantic to find a solution before his family caught the disease, Jesty took his family to a nearby farm where cows were infected with cowpox. He injected his family with diseased cowpox cells from the cows. Because vacca is Latin for cow, this procedure later became known as vaccination.

This Isn’t Bull

The mild cowpox disease came and went in the children. His pregnant wife had complications and required the aid of the local doctor. His family did not catch the deadly smallpox disease, but word leaked out. Poor Jesty was ridiculed by his neighbors, who expected his family to turn into cows, or at least grow horns!

Edward Jenner was a tireless crusader in promoting the benefits of smallpox vaccination. However, it was a desperate farmer who used his quick wit and country folklore to save his family 20 years earlier.

Regardless of whom history credits, this home remedy definitely rates as a fact rather than a quack!

enjoy your stay
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If you liked this home remedy information, you can find more through the resources shown below. Home remedies can be effective, and may save you time and money.

Amazing Secrets Smart Students Have Tucked Under Their Belts For Years And Start Getting Better Test Scores Today!


Amazing Secrets Smart Students Have Tucked Under Their Belts For Years And Start Getting Better Test Scores Today!

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Though there are hundreds of studies that suggest that many tests aren’t a true measure of your intelligence or potential for success, the reality is most universities still rely on them to measure a student’s academic acumen.
Because of this, it is important that you learn how to do well on a test and succeed in college to further your post-college potential for career success.

Test Taking Strategies
So what can you do to boost your test scores without necessarily committing more time to the library?

Fortunately there are hundreds of time tested strategies that smart students have been using for years. The tips listed below will help boost your test scores without committing you to countless hours in the library.

Test Tips of Test Smart Students
Study two days prior to your test to retain the maximum amount of information possible.
Perform a brief “re-cap” or self test the day before the test. Only spend 20 minutes or less reviewing material.

Study in a non-distracting environment in 1-2 hour intervals.
Be sure to highlight key points in the text and read over each chapter summary to refresh your knowledge on a particular subject.

Talk with your professor at least a week prior to the test and go over your study strategy. Your professor can point out gaps in your thinking and you will ensure you study all the ‘essential’ information that will be on the test.

Fuel your brain with energy food prior to your test. Bran muffins, complete breakfasts and fruit are all good choices. Candy bars and coffee are not.
Get a good night’s sleep the night prior to your test. You can find plenty of time to party the night after your big test.

Make sure you know where your test is being held and show up 15 minutes early to relieve pre-test anxiety.
Read all the instructions on your test carefully. Nine out of Ten mistakes can be attributed to a misunderstanding of test requirements.
Be sure to ask the professor if you are unclear on any points or questions.

If you are trying to remember a lot of dates or specific facts, answer all the test questions with this information first, so you don’t have to worry about remembering everything for the entire test.
Sit in a secluded and non distracting area of the classroom so you can take your test in peace.

Go with your gut instinct and don’t change answers when reviewing your test. Your first instinct is usually the right one.
Smart test takers also reduce anxiety before a test by taking some deep breaths and relaxing. Keep in mind the more you stress out about a test the less likely you are to do well. Consider a 5 minute meditation just prior to your test to clear your mind of restless thoughts.

How Can You Help Your Youngster Expand His Or Her Vocabulary?
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By adopting even a few of these strategies, you’ll likely find your test scores improve significantly in a short amount of time.