Epidemic Of Fraudulent Foreclosures Sweep The Nation

Americans are losing their homes in record numbers all over the country. Many of these foreclosures could be fraudulent or illegal. If a lender wants to foreclose on a property, it has to be able to show that it is, in fact, the appropriate person or entity to whom the money is owed.

The right to foreclosure belongs only to the person who has legitimate possession of the original note. Not a copy, not an electronic entry, but the original note itself with the original signature of the person(s) who allegedly owes the money along with the appropriate raised notary seal and signature. If a person is faced with foreclosure, they have every right to demand that the person or entity trying to take their property prove the legal right to do so by producing the original promissory note.

Your original Mortgage Promissory note may no longer exist. Many of these banks and mortgage lenders did not keep their mortgage notes, but instead sold them through "fractionalized" mortgage-backed securities to investors. This means the note was devided into hundreds of pieces, repackeged, and then sold to hundreds of investors. Now no one person or entity owns the note. No one person or entity can legally foreclose on the property.

Are you or someone you know facing foresclosure? There is a danger that exists if the foreclosure is allowed to go through without proof of the original note. There is the risk that sometime in the future the holder of the original note, if the note still exists, could demand payment from a homeowner who has already been foreclosed on and lost their home. This is why homeowners need to start fighting back when someone is trying to foreclose on their home. Especially since an overwhelming percentage of mortgages granted over the last ten years have been packaged into securities and re-sold numerous times since their creation.

The banks and mortgage companies have not kept the original notes. In a recent Sixty Minutes news investigation it was shown that some banks and mortgage companies were creating forged documents because they had not taken proper care of original mortgage documents.

The good news is that there are proven methods and strategies that can show You exactly how to take control of your foreclosure situation and keep your home. Using legal methods that most homeowners don't know about foreclosures can be stopped and home owners can own their homes free and clear. Why would anyone who owns a home not do everything in their power to protect and defend their home.

To save your home and stop foreclosure I recommend the Home Saver Program. A simple three step process that will save your home free and clear. For more information visit the Home Saver web site, http://www.stopforeclosurefreeandclear.info, Recommended by Bruce Nutting at, http://cashrivernow.blog.com

Carbohydrate Sensitivity Explored - Another National Epidemic

If you've ever heard someone say they are a carbohydrate addict, they probably aren't far off the mark. Carbohydrate sensitivity is a relatively new phenomenon, in terms of it being the national epidemic that it is. With the increasing consumption of packaged, refined and sweetened foods over the past decades, there has been a corresponding decrease in whole, unprocessed foods. Eating a diet consisting of heavily refined foods, which includes a high-carbohydrate content, will cause you to gain weight and eventually develop carbohydrate sensitivity.

This carbohydrate-craving trend most likely occurred from decades of misconceptions about diet as well as through misleading advertising and diet fads. Consider this: we are eating over twelve times the amount of sugar our great grandparents were consuming in the early part of the century. That's roughly equivalent to 160 pounds of sugar per person per year. Now, imagine filling up your living room or garage with those 160 of those one pound packages you buy at the grocery store-really get a mental picture of it. Let's say you don't eat as much as others, and cut it in half. It's still a hefty pile, isn't it? You see, most people have no idea that they're eating so much sugar. Much of it is hidden in processed foods as well as their beverages.

Chalk it up to a lack of relevant health education by our government, or just a lack of impetus on the part of individuals to do their own research, but whatever the cause of this health crisis, the bottom line is this. Sugar is lethal in large doses. It may not kill you the way heroin might in a single overdose, but its chronic strain on the pancreas and the body will trigger diseases that will most certainly destroy you. Before it does that though, eaten out of moderation sugar will first cause you to become overweight.

Inside the body, carbohydrates are converted to glucose (sugar). Translated, that means carbohydrates equal sugar, and for those of you who are already overweight, those complex carbohydrates will also be stored as fat. This is called carbohydrate sensitivity. I know-- it's not fair! But here are the facts: your body isn't supposed to eat all the sweet stuff you've put into it, and if you are sensitive to carbs, it means your body has gotten out of whack.

What is Carbohydrate Sensitivity?

Carbohydrate sensitivity is connected to the pancreas and insulin production, but I'll get to that a little later. Here's a number to shake you up. Did you know that up to 40% of a person's carbohydrate intake during a meal can be converted and stored as fat? Multiply that times a few meals a day, and you see the outcome: a bulging waistline. The problem with a high-carbohydrate diet is that it's devastating to your natural metabolic processes.

This means that when you become carbohydrate sensitive, your body can no longer burn fat effectively, and those moderate to low-glycemic and complex carbohydrates get stored as fat. Many people walk around completely unaware that they're metabolically challenged from their carbohydrate intake. I know that I was completely ignorant for years, which was at least partly due to my misconception that I had to be overweight to be carbohydrate sensitive. Wrong. I was just extremely active and things looked all right on the outside. Slowly but surely, I'd reach for the carb every time over the protein.

I was carbohydrate addicted. The beginning of my real education on the subject and my change in diet was when I learned about insulin in the body and a low-glycemic approach to eating.

Insulin Loves Glucose

Before you start yawning and think, oh boy, now it's getting technical and here's where I sign off, please don't! Learning about the glucose-insulin response just might change your life.

Your hormone insulin really loves glucose. Inside your body, glucose is a byproduct of carbohydrate breakdown. When you eat carbohydrates, your body breaks it down into a form of sugar called glucose. Now I'll keep it simple here for the layman.

Insulin is like an escort. It escorts the sugar into your muscle cells, where it's then used to produce energy. We need energy, so we can thank both insulin and glucose for their terrific partnership-that is, when they have a normal relationship.

Now, complex carbohydrates make the insulin release more slowly from the pancreas, which is what you want. You want a slow courtship of insulin and glucose. Let's say you eat simple sugars or highly processed foods containing sugar. Those carbohydrates break down very fast into glucose. What happens then is that insulin levels rise rapidly in order to escort more glucose into the tissues and your bloodstream is quickly bombarded with excess insulin. If you didn't understand how it works before this, can you see how that this kind of chronic situation in the body will absolutely lead to diabetes? Remember, diabetes spares no one when it comes to diet and lifestyle induced diabetes.

Your body can normally handle occasional overloads of simple carbohydrates and store them as extra glucose, rather than fat. But many people have abused their systems for so long-through simply eating too many refined carbohydrates or living with other problematic factors such as chronic stress-that their bodies start to work against nature. Essentially, their once normal and healthy metabolism begins to malfunction, and their compromised bodies store carbohydrates as fat instead of burning glucose for energy.

Once you've become carbohydrate sensitive it tends to go downhill. Even a balanced meal of chicken or pork, some potatoes or bread, and a nice array of vegetables don't get metabolized correctly. This kind of meal in and of itself shouldn't be fattening. However, you can become so sensitive to the bread and the potatoes in your meal that you will deposit even the carbohydrates and protein as body fat. And if you eat a piece of bread or a small plate of pasta, your body will send your insulin levels soaring, reacting as strongly as if you had eaten a piece of cake.

To add insult to injury, your intake of sugar also raises your cholesterol. Now, you can understand why so many people struggle to lose weight and promote better health, even when they switch to a "healthier" diet.

Other Factors Triggering Carbohydrate Sensitivity

Lack of exercise

Glucose is stored in the muscles, and if you have a low percentage of muscle and a high percentage of fat-where can glucose go? One of the most important things you can do to overcome this sensitivity is to change your body composition by exercising. This will preserve and enhance lean muscle mass which will help lower your body fat and raise your metabolism.

Chronic Stress

Our bodies deal with stress by raising cortisol levels, a hormone secreted from our adrenal glands. This, in turn, triggers the release of glucose from its "storage "depots" and into the bloodstream. Insulin levels also increase so glucose (which you remember is dearly loved by insulin) can be escorted from the blood to those working muscles that need it for energy.

But when stress is constant, high glucose and insulin are also constant. Being under acute stress is the same as if you had eaten a piece of cake--and experiencing chronic anxiety and stress is like eating cake all day long. The result is insulin resistance inside the insulin receptors on the cells-they simply don't recognize insulin anymore. The escort glucose might as well be an imposter now.

To add insult to injury even further, stress spikes insulin levels as if we ate the cake, and then we do eat cake--giving the insulin response system a double whammy.

Serotonin Hormone

Serotonin, one of your brain's central neurotransmitters, is involved in regulating your appetite and hunger. If you have too little serotonin, you will crave carbohydrates and feel depressed. Increasing your serotonin blunts your yen for carbohydrates. Serotonin is also a mood regulator and increases your sense of well-being. Not surprisingly, when this hormone is stimulated you eat less, gain less, and burn more calories.

How Do You Know if You're Carbohydrate Sensitive?

If you're a woman, the odds are you'll become carbohydrate sensitive sooner and more easily than a man will. While men tend to use carbohydrates for energy, women tend to store them as fat. This is especially true as women age. Menopausal women tend to be more prone: they don't have enough estrogen stores to deal with cortisol and its tendency to make the body store fat. It's just female biology.

Factors That Might Indicate Carbohydrate Sensitivity

--You crave carbohydrates

--You are overweight or obese

--You don't exercise very much or at all

--You're a woman and over forty

--You suffer from chronic or bouts of depression and compulsive overeating (serotonin or other neurotransmitter imbalance, possibly)

--You have been over-stressed for some time

--You are hormonally challenged and under a doctor's care

--You react negatively to eating sugar, i.e., you become tired, groggy, and your mental response becomes sluggish

--You reach for carbohydrates over protein most or all of the time

--Your diet doesn't consist mostly of whole foods, especially low to moderate glycemic foods

If you identify with the signs, consider that you might have a problem, but don't despair. I promise you can learn how to stop this heart-breaking cycle and get off the carbohydrate-sugar rollercoaster forever.

Maria Calidonna is a weight management coach and writer who lives in Westchester County New York. She is married with five children and currently training for the 2009 Track and Field World Master's Championships in Finland.

You can visit Maria's product website at http://www.marketamerica.com/bodyandmind for her low glycemic Transitions Weight Management Kit and other related health supplements. She also invites you to visit her weight management and health coaching blog at [http://www.mariacalidonna.com]

Diabetes - The Nation's Next Epidemic? Diabetes Symptoms and Facts

Well, as most of you know who are reading this article diabetis number one cause is diet (hence the name). Now, let's take a look at the typical American diet; It's chalked full of fast food, highly preserved foods, starch, sugar and soda pop. All of this equaling to a diet void of nutrients and high in empty starchy, sugary calories. Not making for a good fight against a diabetic disorder. As opposed to some other Nations such as people who live in the tropics or different parts of Asia whose diets consist of what the native land has to offer such as boundless fruits and vegetables; coupled with soy and rice which lacks gluten (starch). It seems like the prices of produce has sky rocketed since the economy has taken a downturn these past few years closely contesting the price of gold or oil.

Did you know that there are literally hundreds upon hundreds of different types of melons that can be found in the rainforest? We only have access to about 1-2% of that melon population here in the U.S. There's even a melon that seems to possess anti-aging properties which have now been harnessed in a beauty tonic to battle facial wrinkles. Now think about what putting such wonder foods in your body could do for it as opposed to putting things in it that are one molecule away from plastic (margarine, used in preserved foods and many fast foods). Produce is packed full of amazing nutrients for your body such as flavonoids, caratenoids, and bioflavanoids just to name a few, and every fruit or vegetable has different combinations of those 'wonder ingredients' which is what makes them all look and taste differently. Now it makes sense why mother was always so adamant about saying 'eat your vegetables bobby.'

Now that we have a little background into what causes diabetes let's take a little closer look into some of the facts behind the disease. Just thought it might be interesting to put a different perspective on the dilemma in a blunt fashion, as most are not that brash to just come right out and say so. There are essentially four different main types of diabeties including; gestational, pre-diabetes, and type-1 and type-2 diabeties; type-2 being the most common.

Since type-2 is the most common let's take a look at some of the diabeties symptoms associated with this version of the illness;

Increased thirst

Increased hunger (especially after eating)

Dry mouth

Frequent urination

Unexplained weight loss (even though you are eating and feel hungry)

Fatigue (weak, tired feeling)

Blurred vision

Headaches

Loss of consciousness (rare)

All of the named symptoms are due to levels of high blood sugar.

Here is the adverse side of the symptoms for low blood sugar;

Nausea.

Extreme hunger.

Feeling nervous or jittery.

Cold, clammy, wet skin and/or excessive sweating not caused by exercise.

A rapid heartbeat (tachycardia).

Numbness or tingling of the fingertips or lips.

Trembling.

If any of these symptoms seem relevant and you have not been checked out or diagnosed with the illness it is recommended that you set an appointment with your primary care physician to get some tests run.

The treatments that are available for diabetis include some of the following; Insulin treatment-normally injected with a hypodermic oral diabetic medications-There are several prescription drug options. Alternative medicine-biofeedback, acupuncture, and much more. in severe cases transplants- islet cell and pancreas transplants.

Lastly, here are some important diabetic facts you should know;

- At least 171 million people worldwide are affected by diabetes, and this number is estimated to double by 2030.

- Six deaths every minute are attributed to complications of diabetes; that equals out to 3.2 million deaths a year!

- Recent studies in China, Canada, USA and several European countries have shown that feasible lifestyle interventions can prevent the onset of diabetes in people who are determined to be at high risk.

*Perhaps the most important of all the information that has been provided here is the latter statement of what can help to prevent the complete onset of diabetes in individuals who have been pre-determined to be at risk for the illness.

For information on Diabeties Symptoms [http://www.diabetiessymptoms.enewshealth.com], treatment and facts visit DiabetiesSymptoms.ENewsHealth.com

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