The key to healthy hair is moisture, which penetrates the hair shaft to quench hair. It is important to distinguish oil from moisture. Oil is heavy, weighs hair down, and does not penetrate. Deep penetrating conditioners, unlike other conditioners that only coat the hair, penetrate the cuticle layer and go into the cortex, the innermost layer of the hair. This is the most important layer of the hair because it keeps the hair healthy. It is the layer that is hair’s lifeline. In addition to moisture, hair must be nourished with protein. This means eating a healthy diet with plenty of protein. Beyond that, hair responds well to good circulation, which can be encouraged with a good vigorous scalp massage!
First Physical Therapy is proud to show support and appreciation for our military community. We are happy to announce that we are now in net-work with Tricare insurance. Call your Naval Branch Health Clinic today for a referral!
phone: (401) 348-8112 / fax: (401) 348-7009
An estimated 28 million homeowners could cut the interest rates on their loans by more than one percentage point if they could refinance. If you’re one of the many homeowners considering a refinance, here are some important facts you need to know.
1. Make sure you are in good standing on your mortgage. Refinances are mostly considered for those homeowners who have a good payment history and are current on their mortgages. If you’re currently underwater, a refinance is probably not an option for you. Consult your real estate professional about other options, including loan modifications and short sales.
2. Check your current credit score. Refinance candidates need to demonstrate steady income and good credit. Make sure your credit rating is up to snuff and see what immediate measures can be taken to improve it if it’s not.
3. Examine how much longer you plan to live in your home. If you are planning to put your home on the market in the near future, refinancing probably doesn’t make sense. You need to make sure you’ll be living in your home long enough to recoup the closing costs of the refinance.
4. Consider the length of the loan. Where you’re at with your current mortgage can play a significant role in your decision to refinance. If you’re close to retirement, for example, and your loan is almost paid off, refinancing could result in extending the life of your loan, ultimately costing you more. Also, if you’re several years into a 30-year mortgage, your goal should be to refinance into a 15- or 20-year mortgage instead. Otherwise, you’re extending the number of years in which you’ll pay interest. Your refinancing goals should be short-term and long-term savings.
5. Find out the costs involved. Before you plunge into a refinance, find out the costs involved. Weigh these fees against the money you will save (contingent upon how long you plan to stay in your home) to make sure refinancing is the right step.
Breaking down last week’s market drivers may reveal insights about the likely future direction of the stock market.
David Urso, CFP®
I have been a Westerly resident for over 25 years. I hold the CFP® credential and have been in good standing since 1988. I am Series 7, 24 and 63 licensed. I am registered to sell life and variable annuity products in the states of RI, CT, MA & FL. I am registered through LPL Financial for securities sales in CA, CT, FL, GA, MA, MS, NC, NJ, NY, OH, RI, VT, WV.
The maturing of the nation’s immigrant population will drive long-term housing recovery, even if unemployment remains high, predicted an economist with the University of Southern California Lusk Center for Real Estate.
However, Gary Painter, director of research with the University of Southern California Lusk Center for Real Estate, points out that while immigration implies more households, it will produce fewer households per person.
“Housing demand will certainly start to increase and we know that the Immigrant population has increased substantially in all parts of the U.S.,” Painter told an audience of homebuilders Wednesday at PCBC 2012. “But what type of housing will this increased demand generate?”
Painter pointed out that headship rates – the number of people who are counted as heads of households – are key indicators in measuring housing demand. During a recession and periods of high unemployment, people often choose to share households or delay moving out. Naturally, the result is a significant reduction in the number of households. Since 2008, there’s been a more than 6 percent increase in the number of people sharing households. As a result, the rate of new households formed annually has dropped to well under 1 percent. That compares increases that averaged between 1 and 2 percent every year since 2000.
Painter analyzed national and regional economic data from 1965-2011 and, using a variety of forecasting models, found that headship rates historically return to normal levels even without a bounce in jobs. By applying that the current shifts in demographics and the growing immigrant population, the number of households will return to normal despite stagnant unemployment.
“Due to these demographic shifts, housing demand will come back, even if the job market remains weak. While there’s little evidence that national homeownership rates will rise in the short-term, the maturing of the immigrant population supports a much better long-term outlook,” Painter said.
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Steps to Get Hired for Your Dream Job?
The most common assumption about job search networking is that it hinges on meeting just the right person.
That’s an awful lot of pressure on each interaction. Is this the right person? Is this the magic connection? Is this “the one”? Many people network like they’re proposing on the first date.
And most people say job search Networking Events are a waste of time. Many job seekers even declare that business networking doesn’t work:
- Too much time invested
- Too much pressure
- Too little time to meet everyone
- Too much rejection
- Too negative an environment
This view is a shame because there really is an approach that yields great results.
Stop looking for someone to buy you. That’s right. Job search networking is about starting friendships, not closing sales. Most job searchers waste time, money, and other valuable resources trying to connect to the wrong people. The networking key for job seekers isn’t just talking to a Hiring Manager. The best networking is to meet with people who know the Hiring managers.
These are the people the Hiring Managers trust. And these people don’t want to hear an elevator “pitch”. They want to hear about you to see if they like you – to see if they can trust you - before they would refer you to their key contacts.
So wherever you are, whatever you are doing, think of networking as the beginning of a continuing conversation – the start of a friendship. If you can create a feeling that they want to learn more about you, you’ll need to follow up. But…
… How do you follow up without annoying or bothering people?
… Is it best to follow up by email, text, social media, or phone call?
… What’s the most effective time frame for follow up?
… How much follow up is too much?
The key is to follow up consistently and persistently. In the past I thought that meant bothering people. Wouldn’t it be nice if there was a way to follow up effectively without annoying the very people you want to connect with. Want to hear about a process to turn that initial contact into a solid foundation for a long-term, rewarding relationship.
UNITED BOOMERS OF AMERICA
Janie Appleseed is a person who has knowledge about how information technology can be applied to the practice of medicine to make healthcare more efficient and more effective. She wants to share what she knows with others because she believes the world is a better place when people are healthier.
Today, Lisa Nelson is Janie Appleseed. She is a medical informaticist and entrepreneur who has been working with health information technology for over 20 years. She is also a teacher, and she is sharing what she has learned with others, so they in turn may become Janie Appleseeds too.
Lisa Nelson believes that if we are going to change the way healthcare works, we will need millions of Janie Appleseeds spreading new expectations for healthcare, and cultivating new ideas about how health and care connect to improve life over time.
If you would like to learn more about the Janie Appleseed network Lisa is growing, visit JanieAppleseed.net. This website is a resource for people of all ages who are interesting in learning about electronic personal health records (PHRs). Janie Appleseed is helping people learn how to safely create a PHR of their own, or how to begin creating a PHR that makes it easier to care for a loved one.
This is not a sofa bed, it’s an eye-catching, sleep-inducing, marvel of modern engineering. Introducing the new Comfort Sleeper from American Leather. Special factory authorized introductory prices plus free delivery and set-up from Chariho Furniture, now though May 5th!
10 Richmond Townhouse Road
(Junction of Route 112 & 138)
Richmond, RI 02898