Sports Hypnosis

Hypnosis for sports is a growing industry, yet most athletes are not aware of what it can do for their performances. Here are just a few ways in which hypnosis can be used to make dramatic improvements, especially when used in conjunction with other change techniques like NLP:- Overcoming slumps- Dealing with pressures from family, significant others, or the media- Overcoming a “sticking point” in practice- Calming down a reckless athlete in order to be more “coachable”- Overcoming the fear of the pressures of the playoffs or championship- Overcoming the negative emotions from past failuresIn addition to overcoming negative situations and emotional challenges, sports hypnosis also can help athletes improve their current strengths to give them an edge over fellow competitors. Some examples include:- Faster reaction time for techniques (such as a baseball hitter increasing his reaction time to a slider)- Helping a team’s natural leader increase his or her leadership skills- Increasing strength and speed with visualizations done under a hypnotic trance- Taking the emotions of past successes and applying them to future scenarios such as upcoming tryouts, championships, or scouting combines- Improving the odds that a newly-learned skill will become an ingrained habit through mental repetition under hypnotic trance.As you can see, sports hypnosis can be used in a number of ways. Whether it is to overcome fears and emotional traumas or improving positive traits, sports hypnosis is a flexible tool. And it is one which you should consider studying as athletes progress in the future.

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Medical Bill Help: Protecting Yourself From Health Care Fraud

It’s no secret that most Americans pay a lot for nearly any kind of medical care, but a close look at factors that are driving higher health care prices in the U.S. reveals more about why medical care is so expensive these days. One element that you may not think about is health care fraud and how it impacts you.The Cost of FraudReports from health care experts show that Americans may be paying up to $80 billion per year because of health care fraud. That’s out of 2 trillion dollars spent annually, including a federal Medicare program that is estimated to be worth about $450 billion, with 44 million beneficiaries on the books.Government entitlement programs contribute quite a bit to the problem – not necessarily because of the programs themselves but because of the abuse by disreputable providers. Because of the unique reimbursement rules for these programs, many dishonest providers are able to simply bill Medicare and another government entitlement program, Medicaid, for services and goods that were never actually provided to patients.What is the Government’s Response? Even though the government has been prosecuting more medical companies and practices, and has recovered over $10 billion for Medicare since 2009, it continues to be a huge problem. With all of the loopholes and opportunities for fraud in the current system, this issue is not going away anytime soon. As the federal government and state governments scramble to identify health care fraud and convict fraudulent operators, it’s important that consumers get involved in the struggle as well.What Can You Do to Protect Yourself? One action under your control is to carefully read and review your medical bills. It’s important that you know what services your medical bills are representing and why each item costs as much as it does. Surveys have found that one in five patients don’t understand the descriptions of procedures on a medical bill, and many never question these kinds of charges. As a result, health care fraud remains rampant.Always take the time to go over the details listed and call providers if anything on your bill is less than clear. Don’t settle for a non-itemized bill: demand that providers show in clear terms what charges represent and why they were billed. This kind of vigilance not only helps your financial bottom line, but it also protects the community at large from a greater threat of systematic health care fraud.

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Commercial Mortgage

Before discussing the details of commercial mortgage, a few words would explain what the mortgage is for. A mortgage is a loan that is basically taken for the purchase of home and in this context, home is a collateral or insurance for the loan. This loan or debt has to be paid in accordance with the legal bond along with interest, usually over a period of 10 to 30 years. Mortgage is not actually a debt but it acts as a security for the debt taken. There are different types of mortgages, some of which are, basic home mortgage loans, commercial mortgage loans, Government guaranteed mortgages, bimonthly mortgage loans, balloon mortgage loans, biweekly mortgage loans, equity mortgages, etc.Commercial mortgage loans are the ones that are taken for business purposes rather than for individual resolves and this loan makes use of real estate for payment security. These mortgages are needed to be paid off in small installments on monthly basis, days to a decade and require a balloon payment. Thus, commercial mortgage makes use of balloon or bullet payment and amortization. Balloon Payment is the lump sum amount that is payable after the contract-based years of monthly payment. Amortization refers to distribution of the total loan amount plus the interest into smaller monthly payment as determined by legal pact. The interest for these loans typically remains same for the entire term.Commercial mortgages can be taken for many purposes, namely, purchase of buildings or sites for starting a new business or for extension of the current business. Such loans can also be taken for investment purposes. Commercial loans are very helpful for starting business of carwash, shopping centers, resorts, hotels and restaurants, factories, warehouses, garages, schools, etc.The grant of commercial loans is dependent on many factors. Primarily, commercial lenders take successful businesses into consideration. Normally to measure up to the lender’s expectations, the credit history of the business as well of the owner has to be good and clear. For example, if any workplace has good reputation, a positive credit record and worthy occupants and workers, lenders will definitely be more inclined to grant them the loan rather than to those who have negative track history.Also, commercial lenders keep an account of debt coverage ratio (DCR) which tells about the business income that is required for debt-coverage. Generally, DCR is expected to be between 1.1 to 1.4.For instance, if DCR is 1:1.3, it shows that company will have 1.3 percent income greater than due amount.Some of the commercial loans are graded as NONRECOURSE DEBTS. In this case if the borrower defaults then the lender can only snatch the real estate or property but cannot question for the loss. It means that if the seized property is insufficient for covering up the loan, the difference in the property price and granted loan is a loss for lender.Commercial mortgages are quite similar to the residential ones but commercial mortgages have real estate or commercial buildings as security but they do have few striking differences. Commercial loans are a bit riskier than the residential mortgages so lenders would want more down-payment. Residential loans have lower interest rates than commercial ones because they have low secondary market. Commercial loans are of short duration, typically 10 years whereas the residential mortgages usually go up to 20 to 30 years or even 40 years term. Nonrecourse debts make loan recovery difficult.Second layer lenders play importance in residential mortgage as they buy and sell loans to the chief lenders and do not have any direct interaction with the borrowers. Due to non-issue of direct loans the invest of second layer lenders is secured in risks faced by the commercial mortgage.

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