Schuetz

Suntan means browning the skin by exposing the body to ultraviolet radiation of the sun. This color change of the skin is due to the release of the pigment called melanin into the skin's cells. Melanin is produced by melanocytes and it protects the body from absorbing excess solar radiation.

People sun tan today for a variety of reasons -- to counter depression, to improve physical beauty and sexual attractiveness, and to improve the health of the skin. Recent studies have estimated that over 22 million Americans suntan every year.

When someone gets a suntan, the color of the skin changes when the rays of the sun damage the dead cells found in the skin. An ideal tanning session should not last too long, as overexposure to the sun may lead to melanoma and other damages. Eyes can be damaged if proper sunglasses are not used. To overcome these problems, various products are now available, and they produce the same result as a suntan without exposing the body to the sun, and potential damage.

Certain precautions must be taken before tanning. The ultraviolet rays of the sun can cause sunburns and rashes, thus being a concern when tanning naturally. Sunburns have been linked to the development of skin cancer. There are two types of ultraviolet rays -- UVA and UVB. These rays are sometimes linked to various fungal skin infections and contact dermatitis.

Using of sunblock and wearing hats and t-shirts can offer a small degree of protection against the sun. Do not tan between 12 noon and 3 pm, as the rays are the most powerful during this period. Apply sunscreen to body parts that are going to be exposed at least half hour before tanning. To get a better result from tanning, get a moderate amount of sun for a number of days, with a maximum of 20 to 30 minutes per day.

Tan provides detailed information on Tan, Tan Lines, Self Tan, Sun Tan and more. Tan is affiliated with Lip Piercings.

Astrology is the science of the planets and stars and it has been used by different societies to explore the relationship between human beings and the universe since time immemorial. It gives us an insight into how the universe and the planetary positions influence our lives. This is possible through the study of horoscope or a birth star chart. The time of birth is the starting point of anybodys life and so it is of paramount importance to get the time of birth recorded accurately. The birth sign indicates the position of the sun during your birth. This sign along with other signs like the Ascendant, Moon sign and signs of other planets influence your deep spiritual growth, energies and also your character. So it is of paramount importance to get your birth time right so that astrologers can read your horoscope precisely. It is really needless to say that without accurate birth time, very few astrologers could succeed properly in their prophecy.

So, when was I born? Real astrology starts from here. But most often than not, people seldom get a totally correct birth time. The time keeping during the birth process often is neglected (naturally!), and there are many other sources of errors, too. Recorded birth times may be incorrect by 10 and more minutes. To be really sure, you require a mathematical correction of your birth time. But how to get your birth time correct to the exact second? Vedic astrologers calculate the birth time scientifically. This service is based on the dates of major life events. The result is accurate to the second and can be used in any horoscope or any individual astrology chart. Many astrologers recommend this rectification service.

Today, there are probably only five persons in the world who are able to calculate the exact birth time back to 1 second accuracy. That is a unique ability and Vedic astrology cannot be done completely accurately and properly without having the totally accurate birth time including hour, minutes and seconds. The Vedic knowledge is more than 5000 years old and there are many important informations found in the original Sanskrit scripts of Astrology. The secret formula of birth time calculation has been rediscovered in the texts of the Vedic sage Parashara. According to him, Vedic Astrology is a science of ultimate precision and every physical atom is guided by astrological law.

Astrology and horoscope has been made accessible online by a famous astrologer called Dr. Heinz Krug through his website birthtime (dot) info. He is one of those rare five astrologers in the world who can correctly determine the birthtime of any person to the exact second. So, one does not have to toil hard to find a good astrologer because now he or she can have the correct birthtime with a mouse click from the comfort of home. It is fairly simple for the clients. You would merely fill in a form with dates of your major life events and send it through the website. And your data will be sent on time. What's morethe site also offers money back guarantee.

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Few people purposely wish to suffer through the pain and humiliation of losing a home through foreclosure. There are many alternatives to bankruptcy and stopping home foreclosure for owners unable to keep their mortgage payments current. One such option is known as a "short sale." It means a lender is willing to accept less than the total amount owed on the loan. One key element involved in the short sale process is the hardship letter.

Most mortgage companies or lenders require the hardship letter pursuant to a short sale. The homeowner should not waste this valuable opportunity to appeal to the lender for another chance. It is also prudent not to waste time and engage in finger-pointing as it will only make your already tenuous situation worse, and lender may well deny your request for a short sale. In the hardship letter just present the facts clearly and above all else be honest. The hardship letter must be able to prove the situation that caused you to fall behind was temporary and you are now in a position to make your payments on time. The excuse for falling behind must be legitimate and provable. Situations such as job loss, prolonged personal illness, or a death in the family are all acceptable reasons to fall behind on your mortgage payments.

Who is responsible for writing the hardship letter to creditors?

A homeowner may write the hardship letter themselves, hire someone, or get help from a real estate investor if one is involved. The real estate investor can offer valuable experience and samples of hardship letters for the homeowner to create their letter. Ultimately it is the homeowner who is responsible for the letter, its content and accuracy of information.

Hardship letter writing tips.

You are going to have to get personal in your hardship letter. At this point in the process the homeowner should be fairly immune to any embarrassment involved with telling their story. This is also the homeowner's opportunity to implore upon the lender to accept the smaller amount from the short sale. A well-written hardship letter is moving and personal and contains full back up proofs of the hardship.

The more time, and the better the hardship letter is composed, the easier the short sale is going to be. The best hardship letter will convince the creditors that the homeowner's situation is genuinely distressing and the lender would be better off accepting the lesser amount than pursuing a foreclosure.

SaveMeFromForeclosure.com is a forerunner in the foreclosure prevention service industry, helping people in stopping foreclosure on their home. Our experience, along with our passion to help homeowners through this challenging time, set us apart from the competition. We only succeed if you are able to avoid foreclosure using the short sale option with our assistance. Visit our website or call us at 1-888-472-8380 for a no-obligation consultation.

For every child, a look back on their sweet childhood almost always involves days playing outside, eating candy and living the worry free life! Unfortunately for both children and parents alike, tooth health can be a major issue when your child has a love for candy! Choosing the right types of candy for your children to consume and monitoring their intake and tooth care can be beneficial in helping your children maintain a sweet childhood filled with both candy and exceptional tooth health!

Even though it can be difficult to monitor what types of candy your children eat when they are away from home, it is easy to do so when they are around the house. Never allow sugary candy except on special occasions! When your children have that hankering for candy or you are in the mood to reward good behavior with a sweet treat, stick to a sugar free brand. Not only is this good for your childrens teeth, but it is also effective in maintaining a balance in their blood sugar levels. Many manufacturers have sugar free versions of many popular candies that are just as tasty and satisfying as the real thing!

When you do allow your kids to munch on candy, in order to maintain great tooth health you should enforce moderation control of consumption. One or two pieces will quench the urge for sweets. Eating candy in excess will only make your kids lethargic and hyped up on sugar only to crash soon after. After Halloween, allow your kids to pick one or two pieces of candy each day. This will keep consumption down and let the fun of Halloween last for months! After children are done snacking on candy, always remind them to brush their teeth to get rid of sugar on their teeth. In addition, always enforce brushing teeth in the morning and at night. Kids should never go to bed without brushing, as sugar left in the mouth at night will eat away at teeth and cause painful and expensive cavities!

Remind your kids that candy is not the only culprit of cavities and poor tooth health! Drinking lots of sugary sodas and even lots of sugar-rich fruits can do a number on your childrens sensitive teeth! Choose diet sodas for your kids- they taste just the same and will have similar benefits that sugar free candy boasts! Of course, enforcing good dental hygiene each day will ensure your that your children maintain their bright smiles throughout childhood.

Natalie Aranda writes about parenting. For every child, a look back on their sweet childhood almost always involves days playing outside, eating candy and living the worry free life! Unfortunately for both children and parents alike, tooth health can be a major issue when your child has a love for candy! Choosing the right types of candy for your children to consume and monitoring their intake and tooth care can be beneficial in helping your children maintain a sweet childhood filled with both candy and exceptional tooth health!

HALLOWEEN "GHOUL-ADE"

1 envelope Kool-Aid grape flavor unsweetened mix
1 envelope Kool-Aid orange flavor
unsweetened mix
2 cups sugar
3 quarts cold water
1 quart chilled ginger ale

Mix both envelopes Kool Aid together with sugar, in large pitcher. Add water and mix. Just before serving, add ginger ale.

Drop a BalloominatorTM balloon light into the punch bowl before serving for a truly eerie effect.

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Add a Nice "Touch" - Float a Frozen Hand in your Halloween Punch!

Fill an unpowdered surgical glove with water.
Tip: Do not overfill as water will expand as it freezes.

Add a little food coloring for a more authentic look.

Securely twist tie the end and hang from a shelf in the freezer.

Once frozen, cut off the glove and place hand in punch bowl.

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BUBBLING BAT BREW

Two 12 oz. cans frozen grape juice
One 2 liter bottle of ginger ale
One half-gallon lime sherbet

Make grape juice according to directions on can. Add to punchbowl. Add the ginger ale and stir thoroughly. Add sherbet just before serving.

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Make Your Bat Brew Really "Cook" ...

Punch out or cut holes in lid of a sealed plastic container.
Drop in a piece of dry ice.
Before serving drop the container into the punch bowl.
Verrry Spooky!

Important Note: Always handle dry ice with gloves.

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SPIDER CIDER

1/2 gallon cider
1 apple
12 tsps. powdered orange breakfast drink
nutmeg
cinnamon
clear plastic cups

Prepare cups by drawing a spider or gluing a spider sticker on the outside bottom of each plastic cup. Next, chop up apple into small pieces.

Heat cider on the stove till very warm and pour into 8 drinking cups. Stir 1 1/2 tsps orange drink powder into each cup, along with a dash of nutmeg and cinnamon.

Sprinkle 6 or 7 apple pieces into each cup, stir and serve. Wait for the shrieks when kids discover their spiders!

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**COOL WAYS TO SERVE YOUR HALLOWEEN PUNCH**

*Serve juice or punch in beakers.

*Set out dips or punch in pumpkins you have carved out and cleaned, or black plastic cauldrons.

*Use licorice as straws, just cut off both ends and sip through the center.

*Moisten the edges of party glasses with egg white and dip in sugar for a sweet finish!

Patricia B. Jensen is a mother of three and kids party enthusiast. She is the webmaster and owner of Kids-Party-Paradise.com - a complete resource for kids party ideas including invitations, cakes, decorations, games, costumes, favors, and food.

For all the latest party news, read her Kids Party Blog.

Aggressive sales people can be difficult to deal with and many people find it hard to work effectively with them. Realising that it is the behaviour that's causing this along with circumstances can help you not take things personally and deal more effectively with them.

Follow these steps to help you deal effectively with an aggressive sales person.

1. Identify what is actually happening. What is the situation, behaviour or action contributing to the difficulty? What pressures are they under? Does everyone else have the same issues? Is it you/your company that are unwittingly contributing to the problem? Disassociate the behaviour from the person as much as you can. This will allow you not to take it personally and deal with it objectively which in turn can help take away any anxiety that you have.

If the person is being unreasonable after assessing the above, are there other people within the organisation who have the decision-making ability? Alternatively are you friendly with anyone who can help you deal with this person look at your resources and use them.

2. Stop wishing that the person would be different. Accept them for what they are and that they are showing aggression for whatever reason and move on (this depends on the severity of the aggression). This doesnt mean you cannot influence a change in their ways but there is little point in wasting time trying at this stage.

3. Look at it objectively. Am I this way to anyone? Can you identify with it If so, how best would it be to tackle you in this situation. Have you used a strategy in the past that could be used here? Use this time to identify what you want to happen here.

4. Plan your strategy. Have the end result in mind. Take time to think each step through and try and anticipate all possible outcomes. What is it you want to achieve? Always have this in mind and work your steps backwards to create the strategy to achieve this.

5. Put your plan into action. What do you need to be in place to achieve it? This is not about win at all costs you may need to give in on certain points to get what you want.

6. Assess how it went and learn from it. What worked well? What could have worked better?

Often aggressive people give more away than passive and you can gain vital information from them that can help give YOU the vital balance of power.

Marc Lockley has spent 20 years in UK National Press media sales most of which at senior levels. Now he has developed a coaching practice that centres around two main areas: negotiation and leadership.

He offers negotiation coaching both in business and your home life. Think of how much you could save and make negotiating the sale and purchase of your own house for example?

He offers coaching that truly develops your style, talents and skills. It is tailored to your requirements to help you get the best out of deals.

If you would like to find out more on how coaching can help you or your business then email marc@lockleyassociates.co.uk or look at his website http://www.lockleyassociates.co.uk

Wanna be a cowboy? That's an easy order to fill in Bandera, Texas, nicknamed "The Cowboy Capital of the World." In this community, located 50 miles northwest of San Antonio on TX 16, you cant toss a horseshoe without hitting a dude ranch, rodeo ground, western wear store, or dance hall.

Banderas Western heritage is a big draw to todays travelers but its roots date back to the founding days of Texas. Bandera Pass, located twelve miles north on TX 173, was first the site of numerous battles between the Spanish conquistadors and both Apache and Comanche Indians. According to one local legend, a flag (or bandera in Spanish) was placed here to mark the border between the forces.

Today the Wild West atmosphere lives on both in town and in the surrounding dude ranches. Whether youd like to "cowboy up" for a few days at a dude ranch or just grab some boots and dance to Western tunes along Main Street, Bandera has plenty of opportunities to get in touch with your inner cowboy.

Dude Ranches: Bandera is well known for its many dude ranches, the perfect way for you and your family to experience life as a cowboy for a few days. Properties like the Flying L Guest Ranch, the Mayan Ranch, Dixie Dude Ranch, and Twin Elm Guest Ranch will keep you busy with horseback rides, hayrides, fishing, cookouts, and more. You dont have to have any previous riding experience to enjoy the ranches. Typically the guest rates include three meals a day as well as Western entertainment and even supervised kids' programs. During the peak summer months, expect a minimum stay at many ranches.

Rodeos: Bandera is also synonymous with rodeos. One favorite held every Tuesday and Friday through the summer is at the Twin Elm Guest Ranch. For professional action, check out the Cowboy Capital PRCA Rodeo, held in May.

Honky Tonks: Another city might call them nightclubs, but there's nothing fancy about Bandera; this town proudly calls their downtown bars honky tonks. Live country music can be found most nights. One of the best known is Arkey Blues Silver Dollar. Dont miss the sawdust-covered floor (to encourage plenty of boot-scootin). Also on Main Street, the Cabaret Dancehall has shook to the sounds of country music for seven decades and often hosts many big name acts.

Cowboys on Main: During the warm weather months, downtown Bandera is transformed with a Saturday event called Cowboys on Main. Scheduled from 1 p.m. to 4 p.m. right on Main Street, the event features horseback riding cowboys, storytellers, trick ropers, musicians, and a lot more. The event is sponsored by the Frontier Times Museums Living History Project. Save some time for a sop at the Frontier Times Museum. The museum dates back to 1927 and is a good place to learn more about Bandera's early days through cowboy paraphernalia, Native American arrowheads, and prehistoric artifacts.

For more information on vacationing in Bandera, call the Bandera Convention and Visitors Bureau at 800.364.3833 or 830.796.3045.

Paris Permenter and John Bigley are Texas guidebook authors and the editors of TexasTripper.com Travel Guide, an online guide to vacationing in Texas.

The Oregon State Beavers baseball team recently repeated as College World Series Champions. That was the first time a team has achieved this feat.

But that wasnt the only first.

It was also the first time that high level collegiate athletes were seen tapping on national televison. In fact, the team reports that no less than five prominent players utilize this new mental game technique on a regular basis.

What is tapping, you might ask

The most prominent form of tapping is based on the pioneering work by Gary Craig in the mid 90s called Emotional Freedom Techniques (EFT). EFT is a meridian-based energy therapy, often referred to as do-it-yourself acupuncture without the needles. Instead you simply tap on a few clearing points on the face and body while focusing on the negative emotion you might be experiencing. The purpose is the clear the negative feelings and be able to focus on the positive intentions you desire to happen.

While the method is considered unconventional by most standards, the results are well documented in many other disciplines. Gary Craig discovered astonishing results while working with war veterans suffering from Post Traumatic Stress Disorder. These men had recurring nightmares, phobias, paranoia, shame and guilt among other socially crippling conditions and feelings. EFT was able to give them peace and hope in a matter of hours, where more traditional therapies had failed for years.

Oregon State Assistant Coach Dan Spencer says, Its a way to free the energy in their body naturally. Basically, it allows then to do what theyve been trained to do and not worry about the environment or situation, the hoopla. And its been very good to us.

With the exposure and endorsement of the World Series Champions, it may be commonplace to see baseball players tapping at all levels in the near future.

Stephen Ladd of http://www.RMTforBaseball.com is a mental performance coach based in Columbus Ohio, USA and the author of Renegade Mindset Techniques for Baseball (RMT). Ladds book is the only baseball-specific manual utilizing the innovative and results-proven energy psychology work of Gary Craig, founder of Emotional Freedom Techniques.

Guess what? Im not the only 30-something woman left I know who's never had a bikini wax. The fact that Im not the only one doesnt surprise me but why did it take so long to have a waxing conversation with a good friend. The answer: Ive always looked at personal grooming as something private. Im someone who up until my 20s referred to my vagina as a front bum.

Dont get me wrong, Im no prude and no stranger to pain. I like to look and feel feminine and have my own beauty rituals including Venus razors, tweezing, indulgent moisturizers, foils, and the occasional manicure. Ive gone through childbirth THREE times without drugs and was clearheaded enough to know that my hoo-ha was on display to the whole hospital staff including the cleaning person. You think that would have wiped out any modicum of modesty I had left. Wrong!

A bikini wax to me is like letting the world in on a secret that I think no one else knows about. (Maybe I need to out my demons and go to Pubicholic AnonymousHi my name is Sandra and I have pubic hair). Im no sasquatch but how do you make the move from the privacy of your shower to stripping down in front of a stranger and assume they are not saying to themselves, My God, shes got sideburns! My friend and I discussed the styles, techniques, and ways to rationalize our embarrassment. Heres what we came up with:

The Bikini Wax Ouch Factor Thank you! Might I have another?

We decided that when and if the time comes to make that leap, wed ease into it slowly starting with the ultra conservative bikini wax which takes care of the areas around the swimsuit line. My friend thought that you kept your underwear on and simply hiked up the sides as far as you wanted the wax to go. I thought similar except you were given paper panties to wear. Either way it would, to our knowledge, require the least amount of discomfort and minimal embarrassment. If I can undress in front of women at the gym, I can have a basic bikini wax.

The French Bikini Wax Ouch Factor Parlez-vous Yikes!

Next up is the slightly less conservative 'modified' bikini wax or French bikini wax. Simply put: more area covered, greater discomfort and increased redness (Im talking about my cheeks blushing here). Weve learned this technique leaves a narrow line in front and goes very far between the legs, but not all the way to the buttocks. Excusez-moi! Needless to say youre sans undies here. So the question is, can I imagine myself spread eagle for 15-20 minutes in front of a stranger until I here the magic words, youre done. My friend doesnt know if she could do it. After a glass or two of champagne and an out of body experience, oui oui I think I can.

The Brazilian Bikini Wax Ouch Factor How do you say my loins are on fire in Portuguese

Perhaps someday Ill reach the point where Ill say to hell with it give me the works. Were talking front to all the way back and everything in between. Some believe the Brazilian to be absolutely hair-free, while others characterize it as leaving a small "landing strip" in the front. I guess you have to be specific when you place your order: Ill have the Brazilian, no strip, extra bare please. However, getting on my hands and knees to have part of it done from the back or by holding a leg straight up in the air seems way beyond my comfort level. I suppose I could try reminding myself that I am #7 out of 15 vaginas and butts on the table that day and at some point they must all blur together into one. I have another friend who during her Brazilian thought to herself, Sandra would never get this doneBottom line is shes probably right!

Sandra Mahoney is mother of 3 and co-founder of http://www.million-dollar-mama.com a website devoted to helping mothers put themselves back on the to-do list. For a free monthly Mamazine filled with tips, articles and special offerings for moms who crave "me-time" go to http://www.million-dollar-mama.com/Mamazine/mamazine.htm