Archive for the ‘Nutrition’ Category

Wilbur and Arlene

Wednesday, May 16th, 2012

It was a privilege for me to have met Wilbur and Arlene Harrison. They were they type of people who’d welcome you into their home and onto their ranch, making you feel like a part of their family. Knowing them made me appreciate my life more.

Despite the odds of living through the dust bowl and The Great Depression, they’d survived many of life’s trials and struggles. Although they weren’t wealthy in a monetary sense, they were rich in many areas of their lives. The Harrison’s were extremely proud, loving, Christian people. It was an honor for me to have known them.

I visited them often on their ranch in Northwest Oklahoma in the late 1990′s. I was there on a dry, windy day in the early spring when local television and country radio stations continuously interrupted broadcasts with warnings of high winds and extreme fire danger. That was the day that Wilbur Harrison nearly set the world on fire.

I’d spent the morning in the neighboring town of Woodward, and as I drove back to the ranch going north on highway 50 towards Freedom, I saw dark black smoke billowing high in the sky. Approaching the Harrison ranch I saw the apparent cause of the billowing smoke. Wilbur, the ninety-year-old, hard of hearing, partially blind determined farmer was riding his riding lawn mower along the dirt road leading to his ranch. As he drove he lit the prairie grass afire never looking back to see the damage he’d caused.

Screaming, “This is insane!” I tried calling his son Henry on his cell phone to warn him of the situation. When I couldn’t reach him I called the fire department. Feeling helpless, I watched the destruction the old man was causing with his torch.

Moving slowly towards his ranch, Wilbur continued lighting fires. The wheat field surrounding his range was ablaze, power and telephone poles burned falling down behind him. The site looked like a war zone. Wilbur had recently given up driving because of his failing eyesight, and he’d taken to using his riding lawn mower to get around the ranch. He was unaware of the horrendous destruction the fire was causing as he rolled the riding lawn mower towards the ranch. He continued lighting fires, not looking behind him, apparently believing that he was doing something useful to help out on the farm.

I was relieved to hear the sirens and see the fire trucks descend upon the scene. Wilbur appeared embarrassed and shocked as the firemen approached, screaming at him to stop lighting fires.

Several weeks later, the old man received invoices from the telephone and power companies asking him to pay for the cost of replacing their burned poles.

The day Wilbur Harrison gave up his car keys and stopped driving had been a tormenting day of discovery for him. He’d spent the day driving through his farm’s fields, making sure the tractors were rolling and that the harvesting was getting done. As he drove down a dirt road into a wheat field he ran straight into the rear-end of a farm truck stopped on the roadway. He wasn’t physically injured in the accident, but the incident took a tremendous toll on Wilbur’s pride. He appeared defeated that evening as he handed his truck keys to his son, saying, “I’m done driving.” His sight had failed him for some time. He had limited vision from the corners of his eyes but could not see anything straight on. It was obviously heartbreaking for Wilbur to give up his truck keys and his independence.

In the days that followed the truck incident he encouraged his wife Arlene to drive him around the ranch. The elderly couple took daily evening drives to see the progress being made on a new oil well being drilled in their pasture across the highway from their ranch. They were both excited, like children, about the oil and gas wells being drilled on their land apparently looking forward to the financial gain they expected from the wells.

Although Wilbur was not a wealthy man he had an extremely generous side. He’d write out checks to his children, his grandchildren, and his foster kids, for their birthdays and Christmas. They all came around, especially at Christmas, to pick up the money. Even though the foster kids rarely visited the ranch any time other than Christmas, they appeared to worship Wilbur and Arlene. The couple had raised their own four children and several foster kids on a meager farm income. Wilbur or Arlene loved them all equally. That was just the way they were.

Before Arlene became extremely ill with Alzheimer’s, she and Wilbur would sit together on warm summer evenings on the dusty old wooden swing on the front porch of their ranch house. Holding hands they appeared very much in love with one another and content with their lot in life.

On a rare occasion a car or pickup truck would pull into their driveway at the ranch, Arlene, who was by then in the early stages of Alzheimer’s, served as Wilbur’s eyes. He’d ask, “Mom, who is it?” and, if she knew, Arlene would say who was there and what was going on. She was his eyes and towards the end, he was her brain. They worked together well, inseparable during those final years.

Arlene was a nice-looking, strong farm woman before her ugly disease totally took over her body and soul. As her disease progressed she developed a habit of picking up things insisting they belonged to her. She’d pick up and carry away anything that she could put into her pockets having no idea that what she was doing was wrong.

Arlene was alone a lot. When the men folk were out in the fields or otherwise gone for the day, she roamed aimlessly around the farm. Her favorite hobby was picking up sticks that had fallen from the broken trees to use for firewood.

Early one spring day the elderly Arlene drove to Freedom in her old Taurus station wagon. Along the road going into town, she came upon a hitchhiker who flagged her down. She stopped the car to pick up the rough-looking guy, asking “Where are you heading?” He said, “I need to get to Kansas.” Without a second thought, Arlene drove him over thirty-five miles into Kansas. When she arrived in Kansas and dropped off the hitchhiker she called home from a pay phone to tell Wilbur what she’d done, and that she was on her way back home. Shortly after that incident the family decided it wasn’t safe for Arlene to drive any more; they began to hide the car keys.

One day as Henry returned to the ranch from a trip to the feed store in Freedom, he found Arlene alone in the bullpen with several mean bulls. She was tapping each of them on the nose with a switch she held in her hand. God must have been watching out for Arlene that day as the bulls didn’t find her threatening, allowing her to walk out of the pen without charging her. She realized that she was in trouble when she heard her anxious son call out, “Get the hell out of there!” as he ran to her rescue. Arlene calmly walked away muttering under her breath Those darn steers won’t get outta here!

The men folk left the ranch early one morning asking me to watch over Arlene and to be certain not to allow her to drive the car. Wilbur soon thereafter called from the wheat field, saying, “Drive the red farm truck and meet me at the tree row field.” He explained, “The truck has two gas tanks. One is near empty and the other is full of gas. You may need to switch gas tanks to make it here.” I tried to follow his instructions, but wasn’t certain if I’d properly switched to the full gas tank. As I finished switching the gas tanks Arlene walked up behind me asking, “What are you doing? Where are you going with my truck?”

Arlene insisted she ride along when I explained that I was taking a shovel to Wilbur in the fields. About five miles down the road, the farm truck ran out of gas. Arlene became upset and I tried in vain to calm her down. “You wait here in the truck, and I’ll return to the ranch to get some gas.” Eighty-year-old Arlene would have none of that insisting that she’d walk with me.

Just as I considered tying the stubborn old woman to the steering wheel and locking her in the pickup, a friendly neighbor and his good-looking sons drove up. Jed asked, “What are you two up to?” and I explained that we’d run out of gas. He offered, “I’ve got five gallons here in my truck. It is more than enough gas to get you back to the ranch.”

Jed’s son, who he called Bubba, poured the gas into the tank. Thanking them for the help I started up the old truck turning it around to return to the ranch. Arlene became irate, screaming, “I want to see Wilbur! We need to find him! I’ll spank your sorry ass! We’re not going back to the ranch! Find my husband!” I tried staying calm but realized that she’d lost her cool. Even though Arlene was eighty years old, she appeared as strong as an ox. Although frightened, ignoring Arlene’s threats I drove back to the ranch.

Parking the red farm truck in front of the old farmhouse, I jumped out running for the safety of the ranch bunk house. Realizing that Arlene was sprinting towards the Taurus, I moved swiftly and was two steps ahead of her opening the door and yanking out the keys, I took off in a dead run for the bunk house. Arlene was right behind me, switch in hand, swearing and insisting that I drop the keys. As I ran down the hill to the bunk house Arlene was close behind. When I reached the bunk house I opened the door and jumped inside. Slamming the door closed behind me I locked it and quickly pulled down the window shades.

Arlene acted like a mad cow, cussing and screaming as she pounded on the bunk house door. Picking up the telephone I tried to calling Wilbur but he didn’t answer. Making up my mind to hunker down and wait it out I tried not to give Arlene any indication that I was in the bunk house. Knowing that she’d seen me run in there. I moved around the kitchen as quietly as a mouse, walking on tiptoes trying not to make a sound. I’d learned that day that the last person I wanted mad at me was Arlene Harrison. Her son had been right when he’d said, “Watch out for Mom, she has quite a temper. Don’t piss her off.”

It seemed like an hour passed before Arlene gave up trying to break into the bunk house. I was relieved when I saw her go up the stairs and enter the farmhouse. I spent the rest of the day confined to the bunk house with the doors locked tight keeping the television low and the lights turned off for fear that Arlene would return with ammunition. Such was life on the Freedom ranch.

I’d sometimes see Arlene go up and down the stairs from the ranch house to the bunk house several times a day. If the bunk house door was locked she’d pound on the door and peer into the windows screaming, “Are you in there? Let me in! Who’s in there? What are you kids doing in there?” When Arlene spotted anyone coming into the bunk house, she’d scurry down the stairs coming through the front door right behind him. It appeared that her actions were the direct result of her worsening disease.

Alzheimer’s quickly destroyed Arlene’s life causing her to eventually reside in a nursing home in Mooreland, Oklahoma. She existed there for several years, and although she received necessary care at the home, she had absolutely no life there missing the farm and her family. The wonderful life Arlene had known as a farmer’s wife was gone forever.

Despite the circumstance, it took a very long time for Arlene to lose her spunk. She’d occasionally make her escape from the nursing home by sneaking out any door that was left open. She’d be found wandering around on the lawn outside baffling the nurses to learn exactly how she got out. Arlene got a kick out of not letting them in on her secret. She’d wander up and down the halls occasionally creeping into an old man’s room to swipe a piece of his chocolate. It became a game between them: she’d sneak in, and he’d loudly yell at her to get out.

During a visit with Arlene at the nursing home, I was grabbed and held in a death grip by Rusty, a mentally disabled patient confined to a wheelchair. He held me by the legs loudly professing his love for me and begging me not to leave him. The nurses pried his grip loose. It pained me to hear his desperate cries for help. It broke my heart that I couldn’t do anything to stop the suffering and unhappiness that prevailed in the nursing home. Rusty wanted my attention, and I was torn between caring for Arlene while I was there and trying to make Rusty happy.

I felt extremely sad that many of the other residents of the nursing home never had visitors. After each visit there I’d think it isn’t much fun to grow old. These poor people who really cares if they live or die. Thank you Jesus for my sound mind and good health! I realized that I’d rather be dead than to be kept alive when my mind and body no longer served me.

It was only by God’s will that Arlene managed to hold on for several years after she was confined to the home. By the time she passed away, she’d become a mere vegetable not knowing where she was or who was there with her. She lost her ability to speak, and the only sounds you’d hear coming from her were low grunts. She was kept alive by the needles and tubes in her arms. There was no life left in her once-beautiful blue eyes.

When I’d visit I sometimes notice bruises and cuts on Arlene’s extremities. It greatly disturbed me that she couldn’t tell anyone what had happened. When I questioned the nurses, they’d say that Arlene had fallen out of bed or fallen from her chair. I suspected abuse, but could never prove it.

Arlene’s funeral was held at the Freedom Christian Church, a fitting ceremony for a wonderful, strong-willed Christian woman. It was a huge funeral with many people giving testimony and expressing the love they’d felt for her. Everyone in the church loved her. There were no unkind words uttered about Arlene Harrison. She had many friends who acknowledged that the world had lost a terrific woman.

She’d spent much of her young childhood growing up in oil work camps across Oklahoma never knowing a stranger. It was no big deal to her and Wilbur to share what little food they had with complete strangers. On the day a horse trader stopped by the ranch to do some horse trading, Arlene invited him for supper. The cowboy was thankful for the hot meal continuously complimenting Arlene on her good cooking. Wilbur assumed the stranger was flirting with Arlene, and he didn’t like it. Before the stranger could finish his meal, the jealous Wilbur ran him off, yelling from the front porch, ‘You get the hell out of here! I have no horses to sell to you. Pick up your saddle and get your skinny ass off of my property’!” Once the drifter was down the road, Wilbur returned to the dinner table picking up his fork and nodding to his frightened kids, as if to say, It’s okay! Now, let’s eat!”

Although it was a blessing that she no longer suffered, the entire family appeared to have a terrible time dealing with Arlene’s death, especially her husband, Wilbur.

Arlene’s funeral made me wonder what my own funeral would be like. I doubted that there’d be such a massive turnout, or that such great testimony would be told about my life. It forced me to remember my own dear mother, who’d passed away in the early Seventies; and, I said a little prayer for both great women May you Always Rest in Peace!

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Abstract Art Of Houses – Happy Houses

Tuesday, May 15th, 2012

The world of abstract art allows you to take a sneak peek into something that you may have never seen before. Art, as a creation needs to stimulate the senses and move the viewer to a higher state of awareness. If this can be achieved, the artist has done his job.

An abstract painting can have one subject or many. An artist can choose to focus on one area of expertise where he can view and feel an object and project those feelings to others, or he can work within many areas.

The bonding effect

Abstract art has many forms and ways to express itself, and this creates a bond between the artist and art lover. There has to be a connection created between the two, and this bonding is made through the painting itself.

When you see abstract art for sale it needs to move you. You need to feel an inner connection between you and the artist. Once this is felt you know that you have discovered the right painting. You know that this one belongs to you and has been painted especially for you by the artist himself.

Abstract art of houses

During the ages there has always been an awe and deep respect for architecture. Fine lines and gracious curves speak to each viewer with a voice of their own. Modern abstract art brings out this voice and makes it sing. It attracts a host of art appreciation lovers that value both old and modern architecture and know that a building is more than a simple structure that has been pieced together through sweat and hard labor. It is a song that sings a melody in the form of contemporary art.

A house is a house is a house. It is also a lot more. It can become a home that is full of rich memories and a place that is felt. How much time does the average person spend in their home? How many songs have been written about “going home?” A house has its own feel to every homeowner and when such a feeling can be placed into paintings of houses it becomes a masterpiece.

Abstract art of homes is a special field of art that can only be created by an artist that can find the inner beauty of a structure and turn it into something that comes alive. Some artists find their strength to be the creation of abstract paintings using people, animals or other solid objects. There are only a few that can translate a piece of architecture into a higher form.

I have been creating “Happy Houses” that come alive. They are happy, they can talk to you and they can become your friends. Visit my online gallery for abstract art of houses that can sing to you.

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Bph karty kredytowe-finanse domowe program

Monday, May 14th, 2012

Dużo osób utrzymuje, iż wyszukało swoją miłość dopiero poprzez ogłoszenia randkowe. Dziś, w większości anonse randkowe przeszły do środowiska internetowego. To tam żyją specjalne strony, zwane inaczej serwisami randkowymi, na jakich możemy podając własne dane oraz wypełniając formularze dotyczące zainteresowań, znaleźć partnera, jaki będzie nam odpowiadał pod różnymi względami.

Stereotypowe ogłoszenia matrymonialne, jakie jeszcze do niedawna mogliśmy przyuważyć w popularnych gazetach oraz dziennikach, odchodzą już powoli do lamusa. Ogłoszenia internetowe tworzą bowiem więcej możliwości. Pozwalają nie tylko poczytać dużo na temat wyznaczonej postaci lecz także przejżeć jej fotografie. Są aczkolwiek pesymiści, jacy twierdzą iż przez ogłoszenia randkowe nie da się wynaleźć swojej miłości, tej jedynej. Mówią, że osoby w Internecie często podają się za innych aniżeli są w realu.

Opublikowanie intrygującej fotki, odpowiednio podretuszowanej na photooshopie też nie stanowi jakiegokolwiek dylematu. Jednak zwolennicy twierdzą, że Internetowi poszukiwacze namiętności nie bajerują bo prawda i tak prędzej czy później wyjdzie na górę. Kluczowy jest jednak zdrowy rozum i umiarkowanie.

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Bang Your Head – The Rise and Fall of Heavy Metal – Review

Thursday, May 10th, 2012

Bang Your Head: The Rise and Fall of Heavy Metal, David Konow, Three Rivers Press, 2002.

I always have been fascinated with both music and history and a book about the history of a particular music is just like killing two birds with one stone. I have read a few books about the history of heavy metal and Bang Your Head is the least elevating one. Of course it was a fun read, but all Rock n Roll books are fun to read. The only thing that made me bought this book is the fact that I have yet to find a book about the rise and fall of the 80′s Cock Rock scene, and this book, although not as comprehensive and thorough as I hoped it should be, contained some murky information about the craze, the 80′s world wide fad, which helped launch MTV to a gainful and profitable broadcast.

Towering hairs and cans of hair sprays, fishnets and spandex, groupies and backstage passes and the unforgettable Power Ballads and yes, the bands. Bands in the likes of Motley Crue, Guns N Roses, Quiet Riot and Poison took the world by storm. It made its way to the Malaysian shores and before you know it, Search, Wings, Lefthanded and May, just to name a few, became Sunset strip’s little ambassadors.

The book is 496 page thick and the front cover depicts the dullest book cover I have ever seen. Being a person who normally judges a book by its cover (literally), it would have been better if the publisher opted to coat the front cover black and print the title somewhere in the middle white, I would have bought the book right there and then. The cover was sort of a cut and pastes assemble, with xerox quality coloration that I believe for the purpose of going after the old school fanzine feel.

The story telling was light; it gave a good bird’s eye view of the cock rock scene back in the early 80′s; the book was a fun read nonetheless but it could have been better though. Besides the lack of depth, the book was also in short of photos. You do not write a book about Rock N Roll, describe the glorious vista of the legendary Sunset Strip, illustrate hundreds of crazy ass bands and have just a couple of photos in it!

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Ranking kredytów hipotecznych 2011-symulacja kredytu

Thursday, April 26th, 2012

Kredyty bez BIK należą dziś do zdecydowanie najczęściej branych usług kredytowych, jakie tylko otwarte są na całym rynku kredytowym – tak naprawdę ciągle korzysta z nich całe mnóstwo ludzi, ciesząc się równocześnie wszystkimi ich zaletami. Warto jednak zwrócić uwagę, iż nie we każdych sytuacjach są one tak opłacalnym rozwiązaniem, toteż odpowiednio jest na wstępie jak najlepiej zrozumieć całą ich definicję.

Kredyty bez bik dla zadłużonych są pożądaną propozycją przede wszystkim dla kogoś, kto jest w tej chwili w zawikłanej sytuacji bankowej i nie ma żadnej zdolności kredytowej, co w całości zabiera mu jakiekolwiek szanse na zdobycie typowego kredytu w banku.

Trzeba aczkolwiek pamiętać że Pożyczki bez bik są zawsze droższe niz kredyt gotówkowy w instytucji bankowej.

Naprawdę warto jest zatem nieco bliżej rozpoznać wszystkie Kredyty chwilówki bez bik, nim postanowimy się na skorzystanie z tego kredytu. W gruncie rzeczy, w wielu sytuacjach są one idealnym rozwiązaniem, ale zarazem istnieją przypadki, kiedy stają się po prostu bezużyteczne.

Raty kredytu kalkulator-szybkie kredyty gotówkowe

Wednesday, April 25th, 2012

Jest to zapewne raczej oczywiste, że najróżniejsze produkty pożyczkowe jakie osiągalne są na aktualnym rynku finansowym znacznie muszą różnić się od tych, z jakich mogliśmy użytkować jeszcze paręnaście lat temu. W końcu jest to gałąź, która rozwija się w zawrotnie wręcz szybkim tempie, dzięki czemu praktycznie nieprzerwanie pokazują się w niej całkiem nowe, nieznane przedtem rzeczy.

Na szczególną uwagę zasługują przede wszystkim rozmaite kredyty bez BIK, jakie aktualnie są na rynku już od dobrych kilku lat, i praktycznie od samego początku swojego zaistnienia cieszą się naprawdę wielką wziętością. Podstawową ich wartością jest przede wszystkim brak jakichkolwiek wyższych wymagań stawianych przed pożyczkobiorcami – wystarczy jedynie pokazać zwykły dowód tożsamości, aby zdobyć pożyczkę. Niewątpliwie, nie dostaniemy za ich pomocą żadnych większych sum, ale jeśli jesteśmy akurat w zagmatwanej sytuacji finansowej, to i tak może to być dla nas nieoceniona pomoc pienięzna.

Niewątpliwie, kredyty bez BIK są tylko przykładem tego, jak sporo ciekawych artykułów znalazło się na rynku pieniężnym w ostatnich latach.

Ekspresowe pożyczki-pożyczka na dowód

Tuesday, April 10th, 2012

Prędka pożyczka frapuje w istocie każdego z nas.
Wszyscy pożądamy mieć prędki dostęp do finansów.
W coraz to wyższym stopniu doceniamy sobie bankowe rachunki internetowe, z jakiego powodu więc nie miałyby nas zaciekawić „błyskawicznie użyczone środki finansowe”? Jeżeli pożądamy pożyczać środki pieniężne szybko, to nic nie stoi na przeszkodzie, koniecznie trzeba jedynie pamiętać o zdrowym rozsądku, nie pożądamy wszakże żeby na naszym pośpiechu wpaść w dylematy

Gdzie ekspresowo możemy użyczyć środki finansowe? Jest nieco możliwości!

Pierwsza z nich to zwykły bank! O ile tylko jesteśmy „stałym użytkownikiem” określonego banku, to można oczekiwać na ograniczoną procedurę pożyczkową. Nie tylko nie trzeba prezentować poświadczenia o dochodach ( ostatecznie wystarczy osobiście spełnione oświadczenie), ale też można przewidywać, iż suma pożyczki będzie w mgnieniu oka wypłacona.

Inna alternatywa to szybka pożyczka w „parabanku” , inaczej w pozabankowej firmie pożyczkowej.

Trzecia możliwość to karta kredytowa, przystępna jest ona w bankach, jak i firmach pozabankowyc.

Nowa strona internetowa Fundacji BGŻ

Wednesday, April 4th, 2012

Fundacja BGŻ uruchomiła nowy serwis internetowy www.fundacja.bgz.pl. Strona Fundacji jest spójna nawigacyjnie i graficznie z serwisem internetowym Banku BGŻ.

- Mówimy często, & e Fundacja otwiera drzwi przyszłości. Tym razem otwieramy wirtualny portal, dzięki któremu wa& ne i przydatne informacje o Fundacji mogą łatwiej trafić do właściwych odbiorców – powiedziała Małgorzata Zdzienicka – Grabarz, prezes Zarządu Fundacji BGŻ. Chcemy, aby zarówno nasi partnerzy, jak i podopieczni mogli aktywnie korzystać z serwisu i inicjować ciekawe tematy publikacji – dodała Małgorzata Zdzienicka – Grabarz.

Na stronach Fundacji oprócz danych dotyczących samej organizacji, mo& na znaleźć informacje o prowadzonych autorskich projektach społecznych (m.in. „Mo& esz na mnie polegać”, mo& liwości przekazania 1% podatku dochodowego od osób fizycznych, a tak& e aktualności z & ycia Klasy BGŻ i Stowarzyszenia Absolwentów. Planowana jest tak& e publikacja dokumentów rekrutacyjnych do projektu Klasa BGŻ.

Rozszerza się grono partnerów Fundacji. Na stronie są zamieszczone informacje o zaanga& owaniu Fundacji m.in. w Olimpiadę Przedsiębiorczości, organizowaną przez Fundację Promocji i Akredytacji Kierunków Ekonomicznych, czy współpracy z Fundacją Przyjaciółka przy projekcie realizowanym w Domu Dziecka w Białowie& y. Od niedawna Fundacja BGŻ jest członkiem Forum Darczyńców w Polsce.

Serwis www.fundacja.bgz.pl powstał dzięki współpracy Banku BGŻ z firmą Intercon, twórcą strony internetowej www.bgz.pl.

Bezpłatna karta kredytowa z kredytem hipotecznym

Monday, April 2nd, 2012

Klienci występujący o mPLAN hipoteczny w mBanku mogą otrzymać bezpłatną kartę kredytową Visa Classic lub Visa Gold. Jednocześnie do końca sierpnia trwa promocja kredytu hipotecznego denominowanego w CHF.

Oferta skierowana jest do Klientów mBanku, którzy do końca br.:

· Zło& ą wniosek o kredyt lub po& yczkę hipoteczną w ramach mPLANu, bez względu na rodzaj waluty, w jakiej kredyt lub po& yczka mają zostać udzielone.

· Zadeklarują chęć otrzymania karty kredytowej na promocyjnych warunkach.

Wysokość limitu na karcie uzale& niona jest od wartości udzielonego kredytu hipotecznego i wynosi:

Wartość kredytu hipotecznego w ramach mPLANU Rodzaj karty kredytowej/ limit kredytowy

Od 0 – 150.000 PLN Visa Classic / 5000 PLN

Od 150.001 – 200.000 PLN Visa Gold / 10000 PLN

Powy& ej 200.001 PLN Visa Gold / 15000 PLN

Bezpłatną kartę Visa Classic lub Visa Gold bez zbędnych formalności mo& e otrzymać ka& dy Klient, który jeszcze nie posiada karty kredytowej w mBanku.

Wyró& nikami kart kredytowych mBanku są:

· konkurencyjne oprocentowanie kredytu (ju& od 19%,

· minimalny dochód ju& od 500 zł

· okres bez oprocentowania do 54 dni,

· limit kredytu od 500 do 50 000 zł,

· mo& liwość otrzymania do 3 kart dodatkowych,

· samodzielne ustalanie PIN-u do karty i mo& liwość jego zmiany oraz definiowania indywidualnych limitów autoryzacyjnych

· mo& liwość ustawienia funkcji automatycznej spłaty zadłu& enia z rachunku

· zdjęcie na karcie kredytowej – bez dodatkowych opłat,

· transakcje zagraniczne rozliczane w Euro,

· podwy& szenie limitu mo& liwe ju& po sześciu miesiącach prawidłowego korzystania z karty.

Jednocześnie w ramach promocji trwającej do końca sierpnia br. Klienci składający wniosek o kredyt hipoteczny denominowany we frankach szwajcarskich (CHF, otrzymają preferencyjne warunki:

· Prowizja przygotowawcza za udzielenie kredytu – od 0.7%

· Gwarantowane oprocentowanie kredytu w CHF – 3,2% przy kredytach do 150 tys. PLN

· Gwarantowane oprocentowanie kredytu w CHF – 2,95% przy kredytach powy& ej 150 tys. PLN

autor: mBanku

How to Choose the Right Cosmetic Surgeon for You

Saturday, March 31st, 2012

Cosmetic surgery can freshen up your looks and give a real boost to your self-esteem. But to start your journey to the new you, it’s really important to research, and gather advice and information about cosmetic surgery providers and cosmetic surgeons.

Choosing a cosmetic surgery provider There’s a huge range of cosmetic surgery providers out there so you should make a shortlist of your options. Look for factual information to back up your choices, particularly if the treatment you are interested in involves a general anaesthetic.

Check hospital credentials Hospitals in England carrying out cosmetic surgery are regulated by the Care Quality Commission. Make sure that the hospitals you’re interested in are registered, as in this way you can be assured that they adhere to the Essential Standards of Quality & Safety set by the Commission. If you want to you can ask to see a copy of a hospital’s latest inspection report.

Visit your GP You don’t need a referral letter from your GP to make a first appointment with a cosmetic surgeon, but you should probably discuss your intentions with them. Also, if you decide to go ahead, your surgeon will request details of your medical history from your GP in due course.

Choosing a cosmetic surgeon As a private patient you’re free to select the surgeon of your choice, but you should carefully research qualifications, reputation and experience. You could ask your GP about specialists in your local area, and attend open days and free mini consultations to gather information. Recommendations are useful but remember that every situation is unique.

Checking your cosmetic surgeon’s credentials Use the internet to check credentials, remember that all surgeons should be on the register of the General Medical Council (GMC). You can check by calling the GMC Helpline 0161 923 6602. Also look out for the letters FRCS (Plast*) which indicate that a surgeon is a Fellow of the Royal College of Surgeons, and have completed six years of specialist training, which enables them to use the honorific. Also look out for membership of BAAPS and BAPRAs.

Pitfalls to look out for Be careful about what you to pay. Choosing to undergo cosmetic surgery is a serious decision. If you’re offered a discount that appears too good to be true, it probably is. And if you’re interested in non-surgical treatments, such as dermal fillers and microdermabrasion, do be aware that there is a lack of regulation in this area. For your own safety it’s essential to ensure that you see a qualified specialist.

Attend free information events Many providers hold regular free information events, these events offer you the opportunity to ask lots of questions and find out all you need to know in an informal way. Spire Cosmetic Surgery, one of the UK’s leading providers, run frequent free cosmetic information events at venues throughout the UK.