Foreclosure can be devastating to your finances and your mental health. If you find yourself in a situation which may result in the foreclosure or your property, don’t despair; take action. There are things you can do to stall, or even avoid foreclosure. The bank’s case is not infallible. You can win and you can keep your home. David is a foreclosure attorney. His report, Foreclosure Defense Secrets, can save your home, your future finances and your sanity.

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Here are a few remedies that may help get rid of a UTI.

Shatavari Root (Asparagus Racemosus) – this particular Herb is a relative of asparagus and helps keep the urinary tract system in check. This root carries with it phytoestrogens, which offer moisture and rejuvenating properties for the kidneys and urinary tract. Shatavari keeps the immune system functioning properly and actually makes it stronger over time. Studies have also shown this root reduces stress, which has been proven to be very beneficial to the reproductive system, as well as reduce uncomfortable symptoms of menopause. These factors make this particular root very beneficial in fighting a urinary tract infection. Asian women start taking Shatavari around puberty and continue a daily intake for life. In that part of the world, menopausal symptoms are basically unheard of and they have the lowest percentage of urinary tract infections in the world.

American Cranberry also helps in both the prevention and treatment of a UTI. Cranberry helps to fight bacterium that forms on cell membranes. It inhibits bacteria from attaching itself altogether. For an active infection, take higher doses of Cranberry pills followed by 100 percent Cranberry Juice – no sugar added. Drinking pure Cranberry Juice daily will prevent regularly occurring urinary tract infections. Cranberry also prevents kidney stone formation as well as aid in fighting gum disease.

Goldenseal – (Hydrastis Canadensis) and uva-ursi (Arctostaphylos uva-ursi) – both contain antibacterial properties. Drink one or more of these in tea form to prevent infection and take tablet forms along with the teas while treating the infection. Check for herbs that should only be taken for months at a time. Some herbs can cause negative affects on body tissue if taken for long amounts of time. Let your body rest from certain herbs. Goldenseal is one of these.

Here are some wonderful products I highly recommend in the treatment of urinary tract infections:

Life-time Cranberry Concentrate – this contains high levels of Cranberry and asparagus – both known in keeping the urinary tract healthy

UT Answer – this is my favorite – it contains high concentrated levels of Cranberry and has no alcohol. I would recommend these products during an active infection. You can drink Cranberry Juice every day as a preventative measure. This might be cheaper in the long run.

Some other tips on preventing a UTI:

Avoid bubble baths, especially in young girls. If you or your kids simply can’t live without a bath, make sure the tub is disinfected properly with environmentally safe and/or natural cleaning products and just fill the tub with plain water. You can add a touch of Baking Soda or Epsom Salt for an added refreshing and skin smoothing touch.

Shower daily and wear clean 100 percent cotton underwear only. Avoid T-Backs and tight jeans. Wear comfortable, breathable, natural fibrous clothing.

Wash with allergy tested, sensitive skin soaps. Avoid liquid soaps. Avoid fragranced soaps, shower gels, sprays and powders. Natural soap and water daily is all you need. I do not recommend douching AT ALL! This will throw off your PH levels in the vaginal tract and can actually lead to even more infections. Just make sure that everything and anything that enters the vagina is natural – this concept has always helped me stay healthy when it comes to my female parts.

Avoid colored toilet paper. Use white, chemical free paper and always wipe from front to back after urinating. The number one reason for getting a UTI is E-Coli matter entering the urinary tract.

Make sure every bit of urine comes out before you wipe. It might take an extra minute, but it’s certainly well worth it. When urine seeps onto your underwear throughout the day, this causes a sea of bacterium that flows right up the tract. It might get more difficult to void as you get older, so, take your time and relax your bladder muscles as your urinating.

Wash up after intercourse and avoid sex gels.

Also, be careful with some of the external birth control gels and products out there. A lot of them tend to cause allergic reactions that may very well lead to infection.

After you swim, slip into dry clean underwear. You’ll also prevent a yeast infection by practicing this.

A UTI can also occur after certain medical procedures, so…keep extra clean throughout this time.

Just think natural, clean and simple, and you should be ok.

Later,g

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Personal Care and Grooming

Apply scent free natural baby oil to lips for added gloss and moisturizing. You can even dab on a bit over your lipstick for added shininess.

I’ve been known to use lipstick or even lip gloss as blush whenever I’ve run out. I’ve also mixed a little baby oil and lipstick as a blusher, and I’ve found it has great staying power. Apply a little powder over top to reduce the shine and make the color last even longer throughout the day. Avoid this if you have break out or have very oily skin. Baby oil is mineral oil based and should not clog pores.

Hairbrushes should be cleaned at least once a month in order to remove oils and impurities. A dirty brush will make your hair dirty after shampooing and bring unwanted oils to the scalp. You can soak your combs and hairbrushes in various solutions, but here are a few that work well for me. Always rinse off with mild soap and warm water as your last step to the following soak remedies.

Hot water and ammonia – wear gloves on this one and make sure to rinse completely with mild soap and warm water.

Baking soda and Hot water

Tea tree oil and hot water – use only a few drops of this highly concentrated oil. Its anti-fungal and cleaning properties are excellent for naturally cleaning and deodorizing many surfaces around the home, and works great on combs and brushes. It works especially well on pet combing supplies.

Mild shampoo and hot water

Never mix ammonia with anything other than water. If mixed with other chemicals, whether natural or not, you can create an extremely harmful toxic mix… the same goes for mixing bleach and dish liquid.

To help your cosmetics last longer, keep them refrigerated. Keep aloe lotions and sunscreens as well for a refreshing cooling sensation after beach or pool activities. Children love applying cooled sunburn lotions.

For healthy gums, try a solution of warm water, baking soda, sea salt and a touch of iodine. Do not use this solution if you have a known allergy to iodine.

A tiny dab of Tea Tree oil and warm water make an excellent anti-septic gargle.

Hydrogen peroxide and warm water helps whiten teeth and keep gums clean. Make sure to dilute the peroxide as much as possible.

When gargling with any solution, make sure not to swallow. Keep a very close eye on children under 6 years of age when taking care of their oral health.

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Saving Money on Air Conditioning

Air conditioning – lower your cooling and heating bills by closing drapes and blinds during the summer and insulating with blankets on windows during the winter months. Sun light coming through your windows throughout the day brings in unwanted heat and raises indoor temperatures, that in turn, makes your air conditioning unit have to work harder, and thereby, costing you more.

In the evening, during the summer, open your shades and such to let the cooler night air in. This coolness will be retained throughout the night. Wood flooring keeps your home cooler and carpeting keeps it warmer. I bring out area rugs during the winter and helps keep the house warmer.

I also insulate my windows with thick blankets for added warmth. Wood floors are colder in winter. Thick comforters work better than thicker made curtains anyway. Bring them down for spring- cleaning and store them until the following winter. With these methods, I have found my electric bill to be incredibly lower and I don’t have to use the heat or air conditioning most of the time.

You can use ceiling fans as well, to keep your cold air circulating and set your thermostat at a higher temperature in the summer. Large trees and bushes also provide shade that lead to lower energy bills. This welcoming shade will also save you lots on energy cost. We have giant Oak trees that shade most of the house as well as large bushes that cover most of the windows – this can also serve as a burglar deterrent.

Do not pay your electric bill or any bill for that matter on a credit card. You’ll end up paying ten to thirty percent on your final credit card statement.

Make sure your refrigerator is just the right size for your needs. Empty shelf or drawer space leads to energy loss. It’s more efficient to cool or freeze filled areas than empty areas.

When wanting to conserve heat or air conditioning, shades work over 30 percent more efficiently than draperies.

Later,g

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NATURAL PERSONAL CARE REMEDIES FOR THE BODY

Tighten your pores and tone your skin with…

Make a paste with Baking Soda and distilled water. Apply all over face and leave on for about 30 minutes. Rinse off with cool water. This works really well for getting rid of blackheads.

Baking Soda makes an excellent deodorant – especially for those with chemical sensitivity to scented deodorants and antiperspirants containing aluminum. There are some really great aluminum free underarm products out on the market today. My favorite are the ones made from www.kissmyface.com Simply apply Baking Soda dry under arms. I apply Patchouli Oil on my underarms and this helps in  fighting odors as well as smells great – if you like Patchouli. A little goes a long way. You can buy the oil at www.patchouligarden.com

Mix Baking Soda and Cornstarch Powder for stinky feet. You can also put this mixture in your shoes to keep them fresh. Drier sheets can also be inserted into stinky shoes.

Mix Baking Soda and water into a spray bottle. Keep this mixture in your refrigerator for use after over exposure to the sun. You can then apply some White Distilled Vinegar to avoid peeling after the sunburn starts healing.

If you have itchy, dry skin or are suffering with chicken pox, add one cup of Baking Soda to your bath water, followed by an application of dry Soda after bathing. This is safe for children as well. Soda acts as a mild pain reliever for many minor skin ailments involving pain, itchiness and dryness.

Unscented baby wipes make an excellent make-up remover. They contain a lot less  additives than adult makeup removing cloths. You can also add a dab of baby oil for heavier makeup. Simply apply all over face and then wipe off with the baby wipe, or add some baby oil directly onto the baby wipe. I’ve also used baby lotion at times and wiped clean, followed by regular facial cleansing regime.

If you’re allergic to any of the above, handkerchiefs make gentle makeup remover cloths. I also find that sensitive skin Dove Soap works well for me. Since I don’t wear a lot of makeup, it removes it all and leaves my skin feeling moisturized and fresh. Order on line at www.dove.com They’ve also come out with tons of sensitive skin body and face products. I also like their commercials promoting beauty in every woman, no matter what your imperfections may be. I wish they’d come out with a makeup color line though.

A mild astringent for sensitive or dry skin is to wash and cut up some grapes, strawberries or cucumbers, and rub all over your face. Leave on for as long as you like and wash clean. Use this method a couple of times a week.

Slices of raw cold potatoes applied over closed eyes helps heal swollen and tired looking eyes. It also helps diminish the look of dark circles under the eye area.

If you use hairspray, rinse you hair with baking soda to remove any and all traces of the hairspray. You hair will also feel silky and smooth and adds shine as well.

When I was a little girl, I ended up burning the soles of my feet walking from the beach through an extremely hot parking lot on my way to the car. After arriving at home, my mom quickly soaked my feet in baking soda and water. She then followed daily treatments of the same but added splashes of white distilled vinegar to avoid the peeling as much as possible. I healed up completely and didn’t remember having pain or itching during the entire treatment period.

For rough, fry or callused feet, soak in warm water with about two tablespoons of baby oil. Do this daily. You’ll start noticing a definite difference after about one week. Always follow this with a foot scrub made of a sugar and honey paste, end by applying some foot lotion or any lotion of your choice.

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I am the worst person to inform you guys on car care. I am really more interested in how the car functions than what it looks like. Well, this soon changed some years back, when suddenly I was being attacked by swarms of roaches. I found out the hard way the importance of keeping your car clean, as well as functioning properly! Here are some simple remedies to send you on the road to car care.

Batteries – make sure you check your battery and its connections. This will ensure proper function and helps the battery last a lot longer, while performing its best. If you notice any type of gunk or corrosion, simply pour some cola over affected area. Wipe clean or rinse off with water afterwards. My dad also used to disconnect the wires and apply a baking soda and water solution to all the parts. Sometimes if it’s really bad, you’ll have to disconnect the entire battery itself, or you won’t get the hidden parts.

If your car doors are rough to open and close, or make a squeaking noise, simply rub some petroleum gel on the hinges, or try rubbing a bar of Ivory Soap around the affected area.

If you ever catch yourself stuck in mud, snow or even sand, let a little air out of each tire and simply drive away. Don’t forget to refill the air you just let out. If you have any flat stuff in your trunk such as cardboard, try to slide it under each wheel, then try driving away. Believe it or not, I’ve even heard that cat litter sprinkled around the tires can also set you free. You’ll need 25 pounds at all times in your trunk, or more, depending on the size of your car and tires.

When you wash your car, make sure the body of the car is not hot or being exposed to sunlight. Don’t use hot water when washing your car…always wash with cold water and a touch of plain mild soap. Biodegradable liquid soaps tend to work best and don’t leave a residue. Just keep it simple with soap and water. Avoid buying expensive soaps and tools.

For windows, wash with white vinegar followed by wiping or use a carbonated drink.

Sprinkle some Baking Soda inside and vacuum. Do this with cloth upholstery only.

Make sure you keep up with the interior, especially if you’re driving children and their friends around. Pick up wrappers or fast food containers daily and don’t let it build up. Wipe up messes immediately with travel wet cloths you keep in your car, and always have plenty of dry napkins on hand. I carry lots of extra napkins I collect from fast food places, and keep them in my glove compartment. I also keep emergency clothes, blankets, plastic rain coats and towels in my trunk; and don’t forget keeping at least one full gallon of water in your trunk. You can use it if your car over heats or to clean up major spills (and not to mention those unfortunate vomit episodes)! Even while driving, remember… emergencies can happen and you should have your trunk filled with items that can ultimately save you, save money and keep you self sufficient and prepared.

Later,g

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• If your skin has been overexposed to cold, wind or sun, cold Mayonnaise can help sooth it. Leave on as long as you can stand it, then wipe clean. Follow by washing it off. Keep away from eye area and never sleep with any type of deep moisture treatment around eye area. Some of the oil may seep into the eye itself and may cause allergic reactions, and even blurred vision. You can also apply Mayonnaise on hair that needs extra moisture. Apply all over hair and scalp, and wrap in a towel or plastic wrap. Leave in for about 30 minutes, depending on your level of dryness.

• Olive Oil and Hempseed Oil are great skin conditioners. You can also apply all over hair and scalp. Avoid the eye area when applying any moisture to the face, unless it is a specific moisturizer for the eyes area. Use this as a 30- minute treatment and wipe off. Follow with your usual cleansing regiment. You can get Hempseed Oil at an affordable price by going to www.hempsisters.com

• For added smoothness, apply some pure dairy cream all over face. Follow with your regular cleansing regiment.

• For mature or dry skin, try some unscented Baby Oil mixed in with your foundation. Baby Oil is light and has been tested for known allergens. Again, only apply moisturizer on the eye area that’s meant for the eye area. Your make-up will stay on longer throughout the day if you put a dab of the oil all over your face (excluding eye area) after washing your face.

• Another treat is Baby Lotion. They have so many to choose from now. I like the fragrance free, naturally made organic lotion. I use it all over body and face. It leaves a fresh scent and gives just enough moisture.

• For heavy- duty face conditioning, mash up an avocado and apply all over face. Leave on for as long as you’d like and wipe clean. Follow with your daily cleansing.

• Honey also makes a great conditioning mask for the face. Mix in some powdered milk for extra smoothness.

• If you live in an area with hard water, try some Baking Soda in your bath. Not only will it soften the water, but will do the same for your skin, not to mention… it deodorizes the tub at the same time! For extra soothing comfort and softening, mix in a little Epsom Salt. It works great on healing minor cuts as well as soothes achy muscles. For really pure Baking Soda, try Bob’s Red Mill Baking Soda. www.bobsredmill.com

• Rub the inside of a banana peel or avocado all over dry body parts, especially elbows and knees. Leave on for 30 minutes. Wash clean.

• Add Baby Oil and Milk for added moisturizing and smoothing benefits during your bath.

• Add a dab of Baby Lotion to your hair in your last rinse after shampooing. You’ll add lots of shine if your hair is dull or dry. A dab of the oil will also help your curls last longer after setting.

• Avocado smoothed all over your hair and left in for 30 minutes before your final rinse will add lots of body to your hair. Burt’s Bees Extra Volume Shampoo adds tons of body and deep cleans oilier scalps. www.burtsbees.com

• For an instant blast of moisture before applying your make-up or freshening up your face while you’re out, fill a small spray bottle with mineral water. You can actually buy these at department stores, but you’ll pay a lot more. Evian Water makes a moisture spray for on the go. www.Evian.com Spray it directly over make-up for a quick pick-me-up during the day.

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Here are some helpful tips that I found really truly work…

To remove set in fruit stains on skin, try rubbing and rinsing with pure lemon juice. The concentrated bottled kind works just as well – just use less of it.

Baking soda and lemon or grapefruit juice works as well. To remove the smell, rub your hands together with a sea salt paste made with water.

And last but not least, you can always use white distilled vinegar. I’ve never tried Apple Cider Vinegar, but I’m sure it should work just as well.

Any type of permanent marker should easily come off with a natural hairspray. Simply spray, rub hands and wash off with mild soap and water. I’ve also tried this method on household surfaces (test a small area first) and it seems to work just as well. Some of those products sold to remove stains from furniture can be quite toxic and dangerous to children and pets.

When in need of a facial exfoliating wash, simply sprinkle some cornmeal into the lather and massage gently into the skin. You can also use this method as a body scrub. I’ve tried this using salt, but it tends to leave my skin irritated and dried out. The salt might work better on a tougher, oilier skin. Avoid scrubbing your face and body daily. This should be done no more than once a week, and less for drier more sensitive skin.

I find that cornstarch baby powder makes an awesome face powder to set your make-up base with. Do not use baby powders containing talc, as this is harmful to the lungs. Cornstarch powder leaves your skin smooth and soft, fills in the wrinkles and doesn’t over dry. That was one of my mom’s make up secrets. Compared to cosmetic setting powders, it’s really, really cheap and much better for you. I get the cornstarch baby powder sold at whole food stores or stores that carry totally natural facial products.

Baking Soda is also excellent for removing tough grime on hands and under finger- nails, as well as deodorizing hands.

Whenever you can afford to, try purchasing cosmetic products that are naturally organic. Over 20 percent of the chemicals found in personal care products, not only seep into the skin but hurts our environment as well, by getting into our major water systems, which in turn, ends up in our drinking water. Try using products right out of your kitchen pantry for facial care such as, oatmeal, honey and white vinegar.

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Winter Holiday Money Saving Tips

Home made snow – beat together a solution of water and your choice of natural powdered soap flakes. You can find this product in your laundry isle, but to make it even better, buy powdered natural soap flakes from your local health food market…especially if little ones are involved in the application of the home made snow. I did this last year at my son’s school and I was really surprised at how beautiful the project came out.

Anyway, you can hand mix this recipe but an electric mixer is better and quicker. The consistency seems to come out smoother and easier to apply on the tree. Mix until the solution is thick, followed by spooning on ends of tree branches. You can cover most of the branches if you’d like more of a white tree effect. You’ll be really surprised how great it works, and actually ends up being lots cheaper, and you get larger amounts for less money investment.

Here are a few ways to make your Christmas trees last a little longer.

One way to make sure you’re buying a really fresh tree that in turn will last longer anyway, is to rub the base and feel for moisture content. If it feels really ooey and gooey, you’re buying a really fresh tree.

Extending the color life of the needles can be achieved by trimming the base of your tree and putting it in a bucket of cold water (just the bottom part of the tree) with any cup of sweet substance mixed into the water. I prefer organic brown sugar but you can use maple syrup, regular sugar or even honey. No fake sugar products.

Keep in mind, before going to pick out your tree, that certain varieties last longer and stay greener than others. Spruce and Scotch Pine are some of the best.

Homemade gift tags – use your unwanted cards with pretty pictures printed on them and cut out in squares. Fill the blank side out like you would a store bought gift tag.

If you have a newspaper subscription, save the paper to be used as wrapping paper. Use the funnies for kids and apply your homemade tags… free of charge and readily available. Anything to keep you away from the crowds is worth it.

Hoping your Holidays are inexpensive and creative. Later,g

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Garlic, the magical Herb, is used in the prevention and treatment of many health issues. Some of these include infections, all the way to heart disease. If the taste is not to your liking, there are several odorless pills to choose from. Garlic has been used to treat ailments for over 4000 years. Use Garlic for common colds and flu, bronchial infections, anemia, depression, chronic fatigue, menopausal symptoms, digestion, oral problems, and even some forms of arthritis.

Eat raw Garlic and Onion to boost up your immune system. This will help your body fight infection. These Herbs have tons of anti-bacterial properties. Add Echinacea to the mix and you’ll find your symptoms are fewer and will bring relief. This particular combination increases levels of a natural compound already found in the body called Properdin; take these year round and not just during cold and flu season. A healthy and elevated immune system helps your body at a cellular level. Unhealthy tissue formations are also unlikely to occur.

Garlic is wonderful for keeping your heart healthy! I chew 1 raw Garlic Clove every morning, followed by a glass of Lemon water or Apple Cider Vinegar water. My Mom says Lemon water and Vinegar water help to neutralize the Garlic breath. I grew up with eating tons of Garlic, both raw and cooked. I use lots of Garlic in my cooking and find I need less salt. My children have gotten the benefits of Garlic for many years and they haven’t even realized it. Slow cooked Garlic Cloves have a smooth and light taste…little ones actually like it. I have very few Herbs I could say are my favorites, but, Garlic has always been in the top 3. I’m not apposed to Herbal pills, but I just feel keeping really pure and natural is the way to go. My Mom would also make hot Garlic water with Honey, Whiskey and Apple Cider Vinegar to treat our colds and flu. We hardly got sick when we were small and maybe visited a doctor a couple of times.

Some of the benefits to the heart that Garlic brings are: a reduction in blood pressure, cholesterol, used in the prevention of clogged arteries and arterial disease, a reduction in stroke and heart attack, raises immune system function, helps to balance hormones, prevents and treats infections, opens nasal passages as well as reduces symptoms of asthma and keeps the entire body prime functioning. I’ve also read that Garlic actually has anti-aging properties. You won’t look your age in later years and you’ll notice your skin retains its elasticity and therefore less wrinkling. I’ve actually used raw Garlic in the treatment of foot fungus, pimples and disinfect and help heal insect bites.

Garlic also helps to prevent colon cancer and other deadly cancers as well as help fight certain throat infections. Warm Garlic Oil is wonderful for the treatment of ear infections and the pain associated with it in young children. I have to say this though, although I do believe Herbs are here for our use in preventing and curing ailments, you must always seek you doctor’s advice and get any major infection checked out – especially if it’s not getting better. Be especially cautious with young children and the elderly. Just because something is natural, it doesn’t mean you can’t have a severe reaction to the Herb. And as we all know, there are quite a number of Herbs that can even lead to death. Always consult a professional if you’re not sure about man made medicines or natural Herbs.

Here is a product I highly recommend:

Willow/Garlic Ear Oil – I really love this product. Although it’s not as cheap as making your own Garlic Oil, this product is especially made for children and it’s infused (very concentrated) with other known anti-bacterial Herbs. It helps fight the ear infection (if you catch it early enough) as well as relieves the extreme pain associated with an ear- ache! I use this myself. I use lots of products that are specifically designed for children. There’s nothing wrong in doing that and for the most part, I end up with hardly any allergic reactions. I find that some adult products are actually too strong and concentrated for my liking.

Later,g

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