Thursday, December 9, 2010

Holy Cow

It seems that a farmer by the name of Jia Kebing noticed a small bump on his cow’s forehead when it was born. Little did he know that the small bump would grow to become an 8” horn. It is truly a unicorn cow. More after the break...


Easy Ways To Remove Underarm Hairs

Easy Ways To Remove Underarm Hairs

In the fashion conscious world of today, everybody has become extremely considerate about his or her looks. All of us want to look presentable, in order to create a niche for ourselves in the society. This factor has escalated the need for personal grooming amongst both men and women. One such personal grooming factor is the need to remove underarm hair.

Removing underarm hair is something that few people look forward to, but that many people have to do at some point in their lives. However despite this, most people don’t know that there are many different methods of hair removal other than shaving, and that some can be a lot more effective. Not to mention that shaving tends to be the most time consuming way to remove hair due to the fact that it has to be repeated regularly.

Things You’ll Need:

    * A Razor
    * Baby powder
    * Shaving cream
    * Wax Strips

How To Remove Underarm Hair:

Depilatory:

Depilatories can be used to remove armpit hair. Since the area may be more sensitive than other parts of the body, test a small patch before applying the cream to the entire underarm area. Depilatories come in creams, sprays and liquids that are applied, left on for a few minutes then rinsed off. Since they work closer to the skin than shaving, regrowth may take longer, so you don’t have to use them as often.

Shaving:

Shaving is a temporary method for removing underarm hair. A lot of women prefer to shave their underarms. After shaving the hair tends to grow back much sooner and thicker as it is removed from the surface and not from the roots. This means you have to shave more often.

Waxing:

Waxing the underarm hair involves applying hot wax directly to the armpit. It is left on until it becomes firm, then it is pulled off rapidly, ripping the hair out from beneath the surface of the skin. This can be done at home or by professionals in a salon or skin care clinic. Either way, waxing can be painful for a few minutes, but hair will regrow more slowly.

Using Razor:

For the process, you need to first wet the underarm area with lukewarm water.
Now, apply some shampoo or soap in the underarm area. This would create lather.
Using a razor, just shave off the entire area.
Make sure you do not press hard or you might just hurt yourself.
Once this is done, splash some water and clean the region with a soft towel.
In case some tiny bits of hair are still left, redo the whole process.

Electrolysis or Laser:

Electrolysis or laser hair removal is permanent, and it may require more than one session to get rid of all the hair. Both electrolysis and laser destroy the hair follicle, preventing it from growing more hair. These methods are expensive, according to Simply Hair Removal, and they should be done by trained professionals.

Advice:

    * You could get a razor burn. It burns underneath your arm pit and the sensation doesn’t go away for a while.
    * You could get cut. If you press too hard or your razor isn’t your type, you could cut yourself during the process.

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How to Become a Loan Broker

How to Become a Loan Broker

Becoming a loan broker is probably one of the best options to earn a good amount of money in a very short period of time. Read on to know how to become a loan broker.

Due to an increase in the people applying for loans, loan coordination and broking businesses have generated more career opportunities than any other business. These businesses have certainly proven to have extraordinary earning potential. Loan brokers are important and responsible people in these businesses who carry out loan granting duties.


Who is a Loan Broker?

A loan broker is a middleman who is responsible for helping and assisting prospective buyers in applying for and securing loans. His primary duty is to bridge the gap between potential borrowers and lending entities who are willing to offer loans. He carries out all loan formalities which include preparing the loan application, and handling the documentation needed for taking the loan granting process further.

Mortgage loan brokers comparatively earn more income than commercial ones, as the deals they make are of a high value. They make their own money by assigning a certain percentage of commission, creating a customer base, and generating referral business. A commercial loan broker generally deals in commercial loans, and recommends the best financial packaged plan for his clients.

How to Become a Loan Broker?

In some US states, there are no hard-and-fast rules for becoming a loan broker, and licensing may not be needed. However, there may be certain regulations in some states. You need to get in touch with a local licensing authority for the purpose of determining the requirements for becoming a loan broker in that particular region. If your state requires you to obtain a license, you are required to go through proper licensing procedures and formalities. You need to pay a certain application fee, and submit the application through the National Mortgage Licensing System (NMLS) for obtaining a surety bond. You also have to provide fingerprints, and undergo a criminal background check. There may be some additional requirements which may vary from state to state.

It is better to have an educational background in the finance field if your want to become a loan broker. A potential loan broker may choose a course in banking as well. However, this is not obligatory for becoming a loan broker. Even a general knowledge of loans and mortgage operations will do. The related education plays a very important role in getting customers to trust a new loan broker's expertise and credibility.

You may also undergo some specialized trainings for getting into the loan broking industry. Such training would be very useful in helping you develop the kind of knowledge and skills that are required to assist borrowers in receiving loans without any hassles. You may undergo such training in Brick and Mortar (B&M) schools, or take the help of some online programs. You may even think about acquiring related certifications which would be helpful in carrying out the business smoothly. Many states offer a loan brokerage exam, and it's successful completion leads to the certification. You need to get at least 75% of the answers right in order to receive the certification.

After you have undergone training and received the certification, you may choose to work under the supervision of a reputed loan broker, or look for an entry-level job in a brokerage or mortgage company. You also have the option for starting your own business which would most importantly require capital and also an effective marketing plan. You may promote your business by advertising in local newspapers and business directories. Get in touch with people in the related field, and create a network which will later help you get good business.

If you are thinking how to become a loan broker, you just need to have the required understanding of loan, finance, or banking operations. Moreover, it is also recommended to undergo the related training and receive the certification for taking your business to the top.

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Lemon Is Good For Your Skin

Lemon Is Good For Your Skin

Packed with sunshine lemons are bursting with health benefits. Just the thought of them makes your mouth water and their refreshing fragrance lifts your spirits. Everyone knows the benefits vitamin C rich lemons have on the body but few know their cosmetic properties. For centuries women have used lemons to cleanse, tone and condition their skin. As a natural antioxidant they combat the signs of aging by helping to stimulate collagen production. The cosmetics industry uses lemons to produce a range of skin care preparations, but they are expensive. You can make lemon rich cosmetics at home cheaply and easily using items from your kitchen store cupboard.

Lemon oil calms and soothes our never. It helps to remove mental stress, anxiety and exhaustion. It has properly to refresh or mind removing the negative thoughts of the mind. So when in stress drink lemon juice mixed with sugar, salt and cold water. It will give you instant energy and refresh you very quick. It is healthy, testy and low cost and thus it is a popular drink all over the world. You can also mix few drops of lemon juice in the liquor of tea. It helps to recover you from extreme fatigue and tiredness very quickly.

Use lemon juice to tone the skin after cleansing. Try this recipe. Take two tablespoons of lemon juice, one tablespoon of vodka, one tablespoon of witch hazel and two tablespoons of water. Pour into a bottle and shake well, store in the fridge and use as needed. Apply to skin with a cotton wool pad and leave for three to five minutes. Rinse the face with warm water and pat dry with a towel. Do not use on damaged skin as it will sting.

After cleansing and toning use moisturizer. Make a simple and inexpensive moisturizer by blending together equal amounts of honey, lemon juice and oil. Sweet almond oil is a nice luxury but you don’t need to use it olive oil is fine. Put into a bottle and shake until all ingredients have blended together. Dab on face and neck with cotton ball, use the tips of your finger to massage into skin in small upwards circular movements. Rinse with warm water and pat dry with soft towel.

Lemon Skin Care Tips:

    * Prepare Lemon and Honey juice. Intake this juice in the morning. It helps to cleaning the skin.
    * Apply Lemon juice on the face to clean & shine.
    * Prepare mixture of Aloe Vera & Lemon juice and apply on face for glowing the skin.
    * You can try to wash your face with Lemon juice every night for skin care.
    * Prepare mixture of Lemon juice and Olive oil. Apply this juice directly on acne and eczema for dry it.
    * For oily skin, prepare mixture of Lemon, Egg white and Grapes. Apply this paste and wash with warm water after 25 min. your skin become shine.
    * Prepare a mixture of 1 teaspoon Lemon juice and Glycerin and apply it on the spots for the removal of blackheads, freckles and wrinkles.

How To Use Lemon Juice

    * Dab on an existing blemish to help dry it up.
    * For a hair treatment that adds bounce and shine, after shampooing mix the juice of one lemon with one cup warm water and apply to hair. Allow to remain in hair for a few minutes, then rinse thoroughly.  (Can also be mixed with honey for extra conditioning.)
    * Brighten and lighten fingernails by soaking them in lemon juice for ten minutes.
    * As a treatment for blackheads, clogged pores and blemishes, apply lemon juice to areas at night.  Do not wash off until the morning.
    * Rub lemon peel over elbows and knees to eliminate rough or dark spots.
    * Apply full strength to discolored and darkened areas at night and leave on until the morning.
    * Apply full strength or diluted with water as a facial toner to exfoliate and lighten the skin, to prevent and treat clogged pores, blackheads and blemishes.

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