Thursday, April 3, 2008

Is Deception Threatening Your Relationship’s Heart? 10 Questions Women Must Ask Themselves

By Conner O’Seanery At the heart of every healthy relationship beats a single, undeniable quality: Honesty. Threatening the heart of every healthy relationship is the artery-clogging cholesterol of deception. Left untreated, the sticky lies between you and your man can build up and build up until, one day, wham! Your relationship suffers cardiac arrest and flat lines. But lies won’t leave your relationship lying dead on the table if you know the warning signs to listen and look for. Take your relationship’s pulse by honestly answering these 10 questions: 1. Does your guy ask you to repeat questions over and over? He says it’s because he damaged his hearing listening to Ozzy Osbourne as a teenager. You think the damage — like with Ozzy — is located between his ears. But beware! Asking for a question to be repeated is also a favorite technique used by a liar to buy time and come up with an answer in the dark corners of his mind. Score: Never (0 points); Seldom (5 points); Frequently (10 points) 2. Does your man use qualifiers like “sometimes,” “generally,” or “to the best of my knowledge” when he talks to you? When people insert the phrase “to the best of my knowledge” before their answer, it means they have no idea what they’re talking about. Qualifiers are exactly that; they qualify what the person says and give them “loopholes” or escape clauses to avoid responsibility. Don’t trust ‘em or the people who use ‘em! Score: Never (0 points); Seldom (5 points); Frequently (10 points) 3. Does he tend to expand contractions? When “I didn’t stay up all night surfing those triple-X websites” becomes “I did not stay up all night surfing those triple-X websites,” with an indignant look thrown in for good measure, it could be a signal he’s hiding some dirty laundry — or dirty Internet habits. Score: Never (0 points); Seldom (5 points); Frequently (10 points) 4. Does his voice become more high-pitched when he’s explaining why he had to work late? Lying causes physical changes in a liar’s body. One of the most common changes is a tightening of the throat and vocal chords. The tighter the throat and vocal chords, the higher the pitch of the voice. Of course, blunt-force trauma to a guy’s nether regions as he sneaks into the apartment at three in the morning also causes physical changes in the body and vocal pitch, so be careful not to confuse the two. Score: Never (0 points); Seldom (5 points); Frequently (10 points) 5. Does he use pronouns instead of actual names, especially when he’s referring to your parents and closest friends? He might be trying to add some emotional distance to his lie. Or he’s a typical guy who always dwells in a vapor of distraction. Score: Never (0 points); Seldom (5 points); Frequently (10 points) 6. Does he frequently look away when he’s talking to you? Perhaps he’s afraid to show you his two-faced face. Or maybe he’s mesmerized by the waitress in the short skirt serving the table next to yours. Score: Never (0 points); Seldom (5 points); Frequently (10 points) 7. Does he clasp his hands together or interlock his fingers? It might be a sign he’s holding something back. Open hands are a traditional sign of honesty, dating back to a time when two strangers would show their palms on meeting to prove they weren’t packing heat. Score: Never (0 points); Seldom (5 points); Frequently (10 points) 8. Does he tap his foot or wave it about in the air if he’s sitting cross legged? Depending on how long you’ve been grilling him over why the vacuuming didn’t get done, this sign might simply indicate an urgent need for the bathroom. Or his unrealized desire to dance with the stars. Score: Never (0 points); Seldom (5 points); Frequently (10 points) 9. Does he drink anything he can get his mitts on? Frequent swallowing and heavy drinking can be a symptom of deceitfulness — or an unrealized desire to dance with the stars. Score: Never (0 points); Seldom (5 points); Frequently (10 points) 10. Does his smile seem insincere? Remember how your mom used to say it was easier to smile than frown? Well, Momma was right! It takes only two muscles (the zygomaticus major muscles extending from the cheekbones to the corners of the lips) to paste one on your face. This also makes smiles easy to fake, so look for a lack of movement of the wrinkle lines around your guy’s eyes. It’s classic tell of a bald-faced liar … or Botox injections. Score: Never (0 points); Seldom (5 points); Frequently (10 points) Tally Your Score: 0 - 50 Points: Congratulations! The heart of your relationship is beating strong! You and your guy likely have an open pathway of communication. 50 - 75 Points: Exercise caution! Your relationship’s ticker is working hard, but it’s not in the danger zone — yet. 75 - 100 Points: Watch out! Cardiac arrest may be just around the corner. Your relationship needs a steady diet of honesty — and oat bran. Conner O’Seanery is a self-admitted serial liar and an expert on detecting deception in any situation. Author of You Won’t Get Fooled Again: More Than 101 Brilliant Ways to Bust Any Bald-Faced Liar (Even If the Liar is Lying Beside You!) and You Won’t Get Fooled at Work Again: 40 Timely Tips for Recognizing Deception in the Workplace, O’Seanery is a popular media guest whose insights have been featured on City TV’s Breakfast Television, Global Television’s NewsHour, CBC Radio, Westwood One Radio Network, USA Radio Network and hundreds of radio stations. His books have been featured in the New York Post, National Post, Seattle Times, Toronto Star, Ottawa Citizen and other newspapers. Conner is also a respected speaker who uses a blend of quick wit and well-earned wisdom to entertain as much as inform audiences. To download free excerpts from You Won’t Get Fooled Again and You Won’t Get Fooled at Work Again visit Conner’s website at http://TheSerialLiar.com Article Source: http://EzineArticles.com/?expert=Conner_O’Seanery http://EzineArticles.com/?Is-Deception-Threatening-Your-Relationships-Heart?-10-Questions-Women-Must-Ask-Themselves&id=426272 ambien works cleanse ambien ambien eyesight buy ambien cr
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Tuesday, April 1, 2008

Understanding The Different Home Loan Options Available

By [http://ezinearticles.com/?expert=Carmen_Luna]Carmen Luna Different home loan options are available with different lenders and it is your choice to go for the one that suits your budget. Some of the traditional options available are the fixed rates, adjustable rates and the Jumbos. There are advantages of each of these types of home loan options. You have to compare the benefits of these for the type of home that you are going to purchase and then decide on the right type of home loan option. Day by day the interest rate fluctuates. Hence to get peace of mind you can go for the fixed rate home loan option. If you don’t have plans of moving out then you can go for a long term loan with a fixed rate. With this option you need not worry about the market rates that fluctuate quite often. Most of the people go for a 30-year period fixed rate. Some of the plans from Quicken also give you good rates for a 40-year period. If you plan to finish off the loan faster then you can go for a 10 year or a 15 year period. With this you end up paying less by the way of interest. With a fixed rate home loan the interest rate is constant for the whole period of the loan. Since the rate is fixed you pay a standard amount every month. This helps you to plan your expense accordingly. A person who wants to avoid the risks of increase interest rates and have a fixed income regularly is the right candidate for such fixed rate home loan. If you plan to pay your home loan for more than 10 years then it is better to go for a fixed rate home loan. This saves you a lot of money. With the adjustable rate home loan you can reduce your monthly payment during the initial years. Thereafter there is no guarantee that you might get that low interest rate. However if you wish to have more cash flow during the early years of home loan payment, you can go for an adjustable rate home loan. There are interest only options available in this type of loan. You can avail this option if you want further lower your monthly payment. People who buy property for investment are those who can get benefited by this method of payment. If you plan to own your home for yourself then this is not the option for you. In this type of home loan there are not penalties for pre-payment. However check with your lender for this. You can also refinance with this loan. There is a cap for interest adjustments in this type of home loan. Jumbo home loans are for those who want to take loans for over $417,000. Down payments are not required if the loan is between $650,000 and $1 million. There might be no penalties and documentation for getting these loans. When we say no documentation we mean to say that there is no need for income documentation. There are other types of loans available in the market that meets each and every individuals requirement. You have to approach a broker or the lender to get more details on the home loans available with them. Credit goes to the Dyenira Management Group Staff. Similar articles can be found here: http://www.loandude.info Article Source: http://EzineArticles.com/?expert=Carmen_Luna http://EzineArticles.com/?Understanding-The-Different-Home-Loan-Options-Available&id=263509 ambien memory loss lorazepam no prescription buy ambien on line without a prescription zolpidem tartanate
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