Nobody wants to be the bearer of bad news.

Pensioners should be sitting pretty regarding mortgages shouldn't they? After all, they should by now have completed their payments and be the sole owners of their homes. Sadly, for some 600,000 pensioners this is not true - they are still paying off their mortgages, and not just for a couple of years after retirement. For example, over 20,000 who still have to reach the final payment are in their 80's.

Couple this with the research from the Prudential which reveals that almost 25% have insufficient funds to finance their retirement, and it becomes obvious that some serious problems exist. Having to find the necessary funds to cover the mortgage payments when on a fixed income inevitably means that some other parts of the living costs are not covered.

However, many pensioners would be pleased to be on a fixed income, provided that it was fixed at a point on the cost of living scale! When looking at the reality of an income which is usually increased annually, but by a niggardly amount which bears no relationship to the increases in costs generally (especially council tax), then the true effect is of a reducing income.

Inflation also takes its toll. True it is low at present, but even at 2.5% a year, the spending power of a fixed sum is down by virtually

Everybody seems to have credit cards. The credit card companies make it real easy to acquire a card now. You can apply online and have an answer in less than a minute. If you have decent credit, you can probably get about any card you want.

But with the credit cards comes a dark, sinister, evil thing called credit card debt. This is a particularly dangerous type of credit because it is unsecured.

This means that the card issuer does not have collateral.

For instance, with a mortgage, the loan is secured with the house. If you can't make the payments, the bank forecloses and takes the house to satisfy the debt.

For the Christian, this poses a question of whether it is biblically proper to either consolidate debt or use a debt relief solution. Here is a comparison of the two for you to make an informed decision.

Christian debt consolidation

Based on Christian values and ideas, Christian debt consolidation is very simple. You enter into an agreement with the debt consolidation company. The company negotiates your debts for you and settles on an amount that is usually less than the original amount owed.

If you figure what you would have paid back in aggregate if you had continued with the minimum payments, this is a significant savings. You can actually repay approximately 20% of the total amount of ALL the payments you would have made. Not the outstanding balance owed, but the total of all payments that would have been made over time.

Once the consolidation company settles the amount with your creditors, they make a loan to you and you make one payment to the Christian debt consolidation company.

They then disburse the monies to your creditors and you can be debt free in as little as 24 to 36 months.

Christian debt relief

This is a little different from debt consolidation. Christian debt relief is when you work with a mediator who negotiates your debt down to less than you owed to begin with. This can be as much as 40% of the balance owed. This is also called debt negotiation.

Is it ethical? Of course it's ethical and legal as well. You see, the credit card company makes their money from interest rates. The longer you owe them, the more interest they get.

This is all done by Christians with biblical ideals in mind. There is nothing wrong with Christian debt relief, consolidation or negotiation. All get you out from under the weight if debt while keeping your name in as good a position as possible.

The good thing about both of these methods is that it reflects positively on your credit report. The company you choose to represent you requires the creditors to show your accounts as "satisfied" or "paid in full" on the credit bureaus as soon as they are paid off.

In this way, you can repair your credit rating along the way. Later, you will be able to buy a car or house with no problems.

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Morning Stretches

Stretch-1: 5-10 times

• Lie on your back with your knees bent so that your feet can rest flat on the floor.
• Grip the underside of your thighs with your hands.
• Pull your legs to your chest, or as close as you comfortably can.
• Hold this stretch for 15 seconds before returning to a resting position.

Stretch-2: 10 times

• Lie on your stomach, supporting your upper body with your elbows and forearms.
• Stretch your elbows and arms so that your back is extended and stretching.
• Hold at a gentle stretch for 15-20 seconds before returning to a rest.

Stretch-3: Once

• Start the same as Stretch-1: flat on your back, legs bent with feet flat against the ground.
• Lift your upper back off the ground using your abdominal muscles.
• Hold for a long 10 seconds if you can, then gently lower yourself back down.

Stretch-4: Until tired

• Sit in a chair, feet resting flat on the floor.
• Bend the back and neck until your chest rests again your thighs.
• Hold for 10 seconds before returning to the initial position. You should feel the stretch.

Good Posture

Posture might be the most important thing for backs. Short of walking around with a yard-stick in the back of your trousers, here is what you can do to fix your back.

When standing, hold your chest high, shoulders back (not tense), abs and butt tight, with your feet an even distance apart and sharing the weight. Your head should be looked straight ahead and your knees should never lock.

When sitting, rest your feet flat on the floor, back flat against the chair, chin tucked in a bit, shoulders relaxed, and back straight. Try to imagine a line shooting from your neck and head directly to the ceiling. It might help to cushion your lower back also.

What to Eat and Drink

There are some basic principles when deciding what to eat. High protein, high fiber, and high in minerals like magnesium, iron, and copper. With that in mind, here are some perfect foods for sufferers of back pain:

• Avocados
• Nuts, specifically Almonds and Pecans
• Soy Beans and Tofu
• Spinach, which is better for you cooked

You should also take a multivitamin.

Doing these stretches and taking good care of your back is really hard to do when your have near crippling pain preventing you from even thinking straight, never mind standing or sitting straight. That's why so many people turn to Carisoprodol to ease their pain. It's important to remember that you have to keep working at it once you're on Carisoprodol in order to keep back pain at bay. And take it easy. You can't be on Carisoprodol forever, but you can make your back feel at peace.

So can hair loss drugs beat heredity? As always, the answer needs a little explanation. It starts easily enough. No drug on the market can prevent you from losing hair. Your body is designed to shed hairs everyday. Under normal circumstances, they grow back. Worse, as we age, more hair will drop out. That's also unstoppable. So it does not look good for the drugs. Unlike heart disease where there are drugs to prevent the first symptoms from developing into the disease, nothing beats your body clock's determination to shed hairs every day as you age.

What's the genetic reality? As you probably know, men are XY and women are XX. When babies are made, each parent contributes half the genetic make-up of the child. Mothers can only give one of their X chromosomes so it's the man who decides on the sex of the baby by either contributing an X or Y chromosome. Because of the work to analyze genes, we now know the genes controlling hair loss come in the X chromosome. That means whether you get to lose your hair early is decided by your mother's family line. If there's a bald maternal grandfather hiding just out of focus in old photographs, that's probably going to be you.

How is this helping? Well, if you have the wrong genes, your hair follicles are going to react to the arrival of dihydrotestosterone (DHT) by slowing down the growth of hair. What does grow will emerge thinner and more likely to fall out of the roots. That's why you start going bald. Hair that drops early tends not to regrow. DHT is produced in the adrenal gland and this is what keeps men male, i.e. it reinforces the usual male "characteristics". With the wrong genes, this triggers hair loss on the scalp - not the rest of the body. This is where Propecia comes in. It prevents your adrenal gland from manufacturing DHT out of "ordinary" testosterone. Without there being the same level of DHT in your bloodstream, your hair keeps on growing. So Propecia does not beat heredity. Rather it carefully gets round it and lets you keep your hair. This makes the advertising so clever. It's not unfair to claim a drug like Propecia can beat heredity. You beat someone or something by going around it. Winning is not always a battle to the death where one side batters the other into submission. Winning can be sneaky. That does not make the ads deceptive either. They are just elegantly playing with words to make you want to buy. Better still, the drug works so, if you buy, you are a winner!

Insurance can be regarded as a form of cushion that is used to minimize the financial consequences of unfavorable situations that can take place anytime in the future. Insurance is used to protect assets, finances, employees and assure customer liability defense. Any business owner shouldn't underestimate the importance of having his business protected through insurance. It is simply the best way to minimize the risks connected to circumstances that you cannot control and that can put you out of business for good, threatening even your personal assets.

There are two major types of insurance for small business that any business owner should think about.

Mandatory insurance

The first type of insurance your business will need is the obligatory type of coverage that is required by state and federal law. This type of insurance includes coverage for unemployment, social security as well as workers' compensation. Unemployment and social security coverage offer certain benefits to the employees and their families, including coverage for aged and disabled, retirement benefits, Medicare, Medicaid and Supplemental Security Income. Worker's compensation coverage deals with all work-related damage and injuries that a worker sustains at the workplace, and is usually applied for paying for the medical expenses.

Optional insurance

Optional types of small business insurance coverage include protection from different unforeseen circumstances such as natural disaster, catastrophic events, riots, strikes and other types of damage. One of the most popular options in this section is the Business Owner Coverage that is often regarded as an all-in-one insurance solution, protecting from anything starting with flood and fire to wars and technological disasters. Another very popular type of optional coverage is the property insurance, which pays for the damage both the business and personal property of your enterprise has suffered. Liability insurance as you may guess from the name protects you and your business against potential liability by customers and other people harmed by your actions, services or products.

Other types of insurance coverage you may want to purchase depend on the actual type of business you have, local state requirements and other circumstances that you may want to be covered against. These additional types of coverage include product liability insurance, errors and omissions insurance (quite useful for businesses offering services or involved in production of goods), business income insurance (very useful for minimizing the impact of temporary shutdown or limitations on business). There are additional types of small business insurance coverage that will protect you I case of burglary or machinery malfunction.

Remember that you should purchase insurance coverage according to your actual business needs. Do not purchase coverage against risk you are very unlikely to face in your activities. If you don't know where to start, ask your insurance agent or broker about specific types of insurance coverage that your business may find particularly useful. And don't forget to shop around when purchasing a policy. There are many insurance companies offering small business insurance, so don't rush off to get the first policy offered. Consider all your options and choose the most competitive one.

In order to get a proper treatment, you should first be diagnosed with a particular sleep disorder affecting the quality of your sleep. The most common symptoms of sleep disorders are daytime drowsiness, concentration issues, irritability, mood swings, trouble staying awake while performing monotonous tasks, and eye discomfort among many others.

Some symptoms of sleep disorders can be really dangerous, such as drowsiness or falling asleep while performing hazardous activities, such as driving or operating machinery. Heavy consumption of caffeine throughout the day in order to stay awake can also be a sign of sleep problems.

People who suffer from sleep disorders usually have problems with getting asleep or staying asleep during the night, as well as a hard time staying awake in the daytime. Some of the commonly prescribed forms of treatment are addressing insomnia, sleep apnea, narcolepsy and restless leg syndrome.

Insomnia is virtually the most common type of sleep disorders, which can be both occasional and chronic. There is a wide range of causes for insomnia starting with stress and irregular sleep schedule to serious health conditions and medication side effects. There are some measures you can take to address insomnia without medications:

• Employ relaxation and special breathing techniques
• Practice yoga
• Be more physically active throughout the day

By avoiding certain food substance you can also improve the quality of your sleep:

• caffeine
• alcohol
• sugar

These measures can help if you experience occasional sleep disturbance. However, if the problem persists you may require serious medication treatment and prescription for drugs such as Ambien. Consult with your doctor concerning your insomnia problems and ask about forms of treatment you can benefit from.

Other types of sleep disorders usually require medication treatment form the start. Sleep apnea, another common sleep disorder is characterized by heavy snoring that causes sleep fragmentation and decrease in the quality of sleep. This is a serious condition that may lead to heart disease or stroke. Sleep apnea is often caused by blocking of the air passage, which makes the person choke literally during sleep.

Narcolepsy (excessive sleep) can also significantly reduce the quality of life of the person. Being an opposite of insomnia, this sleep disorder is characterized by occasional sleep attacks during the daytime. Imagine that happening while you're driving a car - it's a very serious health concern that should be addressed as soon as you experience the first symptoms.

Remember that any sleep disorder requires adequate diagnosis and treatment. It's not bright to buy Ambien and use it just because you suspect having insomnia. Only a doctor can assess the problem and prescribe you with an adequate treatment. So as soon as you observe any signs of sleep disorders, go to your physician and discuss the problem with a professional.

Acne is not purely a skin issue

Dermatologists characterize acne breakouts as an inflammatory skin condition. External factors such as skin rich with oil (which is produced by the oil glands within the skin) are only contributing to the inflammation processes in the lower levels of the skin.

The most common consequence of increased oil production is the blockage of pores, which is the primary factor for acne formation. When the pore gets blocked with oil, the oil accumulated inside provides favorable conditions for bacterial activity and inflammation, which leads directly to the appearance of pimples on the skin.

So as you may see, acne is caused not only by bacterial activity, but has a combination of factors in its roots: activity of oil glands, skin type, pores, and certain internal processes that make the skin more prone to inflammation. That's why it is hard to say that acne is only an external problem.

Why acne bacteria are important?

You are not mistaken, acne bacteria are important, just like any other kinds of bacteria you will find within your body. In fact typical acne bacteria can be found in just anyone's skin, and not having them at all is more serious than having to deal with acne. The main purpose of these organisms is to protect the skin cells from other more aggressive types of bacteria that may cause harm to the body, and maintain the right chemical balance on the surface and within the skin.

Even if you don't have acne breakouts, you still have plenty of acne bacteria on your skin, which feeds with the oil produced by the oil glands. This type of bacteria doesn't spread on its own and cause inflammation when everything is OK. However, when numerous factors such as increased oil production and decrease immune levels combine, this harmless type of bacteria starts playing an important role in the formation of acne.

So, as you may guess, fighting acne by eliminating bacteria with antibiotics can be not only ineffective but also harmful, since you're killing the useful bacteria and leave your skin unprotected from more virulent types of microorganisms.

What should be done?

The most obvious solution would be regulating the production of oil in the skin and improving the immune system. The firs goal can be achieved by using drugs like Accutane. Accutane is believed to be one of the most effective medications for treating even the most severe forms of acne. It works by regulating the activity of oil glands and decreasing the production of oil in the skin. The immune system can be strengthened by eating more fruits and vegetables, consuming dietary supplements containing vitamins and minerals. However, pay attention when using Accutane with vitamins (especially Vitamin A). Since this drug is a synthetic form of Vitamin A, combining it with additional supplements may result in Vitamin A overdose, which may cause serious side effects.

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Consistent panic attacks are the marker of panic disorder, and panic attacks will vary from one individual to the next. In fact, panic attacks are so different that they will even vary from one to the next within the same individual. Many people that have experienced panic attacks in their life time, may not even be sure when they are experiencing one again, that's how different they are. At the heart of every panic attack however is an extreme sense of fear, a sense of going crazy, or a feeling that one is going out of control completely. Attacks generally peak within the first ten to fifteen minutes, and rarely last longer than half an hour, but can continue for several hours depending on the trigger event. Shortness of breath and chest pains are also common during a panic attack, and many people will seek emergency care during these symptoms, particularly if they are not sure what is happening.

Panic Disorder is a very common disorder, but many people avoid treatment or seeking help because they don't know much about it, and may feel embarrassed or abnormal for their intense symptoms. It is important to understand the facts about panic disorder, as this information alone will get you the treatment you need, and the quality of life you deserve. In America, 2.4 million people suffer from Panic Disorder, and women are two times more likely than men to suffer. Panic Disorder starts around mid-teens, and sometimes in early or mid-adulthood, and will start depending on when life begins to get more stressful. Research shows us that the earlier Panic Disorder begins, the more severe it has a tendency to be. Research also tells us that early diagnosis and treatment is critical in order to avoid suffering from depression or additional anxiety disorders.

The best news about Panic Disorder is that it is one of the most treatable types of anxiety disorders. Panic Disorder is frequently treated with medication such as Xanax in combination with other therapies such as cognitive or behavioural therapy. In addition, relaxation methods are taught to help individuals cope with their illness and find ways to relax and de-stress on their own. For many people, Panic Disorder is extremely debilitating, but with treatment combinations such as Xanax and cognitive therapy, you can resume a healthy and active high quality of life again.