Getting a new mortgage? Watch Out! Mortgage brokers (even at banks) get paid on commission. As interest rates rise, they must become more creative to make a living. Many are honest, but there’s plenty that won’t blink an eye at taking advantage of uninformed consumers. Don’t be one of them!

In my previous two articles, I’ve shared how and when Interest-Only, Option-ARM and Reverse Mortgages should and shouldn’t be used. I’ve warned readers to be very careful when refinancing or purchasing a mortgage because the person you are dealing with may not have your best interest at heart. Here are some true stories that clearly illustrate that.

David shares, “A licensed securities dealer has proposed that I take $300,000 in equity out of my house before home values plummet and invest the entire amount in an “investment grade” life insurance policy, specifically an Equity-Indexed Universal Life (EIUL) policy.”

He described in detail how this would allow any future growth, loans and death-benefits to be tax-free. He also listed some of the negatives, such as the high cost of the insurance policy and other expenses. The advisor had shown him that he could pay off his house after 10 years with the investment, with money left over.

He closed by saying, “It sounds almost too good to be true. Is this program too risky, or too expensive, to warrant investing my home equity?”

Of course it’s too good to be true! It doesn’t make sense to tap your home’s equity for any investment. His home had probably been the best investment he had ever had. He was earning a guaranteed 6% or so (the interest rate on your mortgage) while increasing his equity at the same time. Don’t put that at risk.

This is just one of the new schemes developed by agents to keep the commission dollars flowing. People like David, who are not retired, don’t have a lot of investable assets for ‘advisors’ to go after. The bulk of most people’s investable assets are in a 401(k) or other company retirement program.

The ‘pot of gold’ that pre-retirees do have is the equity in their home. Because homes have appreciated, many have significant equity. This scheme allows agents/advisors to tap that money when they otherwise couldn’t.

In this specific case, the agent could be making $85,000 off of this transaction! No wonder it sounded like such a good idea! To be frank, this borders on a scam and is not consistent with any good financial planning principles. This ‘advisor’ should lose his/her license.

’Av’ wrote about a horror story involving her parents’ purchase of an Option-ARM mortgage from an unscrupulous mortgage broker. To be safe, her parents included other family members in the talks with the mortgage broker. He laid out all the details, including the most intriguing part: an interest rate of only 1.65%. He assured them the payments would only be $300 per month. They couldn’t believe it and asked him several times to verify that information. Based on his assurances they took the mortgage.

Then the first payment coupon came. She says, “Imagine my shock when (the real interest rate) was 5.6%. I called…and got the run around. I was told the payment hadn’t gone up.” The true amount due just to cover the interest was considerably more then the $300 they expected. By paying just the $300 their amount borrowed would continue to increase.

Before the sale, the mortgage broker had been so trustworthy and always quickly returned their calls. Now he gave them the cold shoulder. When they finally reached him, he said “You’ve signed the papers and that’s that.”

Clearly frustrated, she says, “So I am paying about 6% interest on a loan that 4 adults heard was only going to be 1.65%…we were played the fool big time and I want to warn other people.”

Don’t accept any mortgage broker or other financial advisors’ word on something. It must be in writing. If you don’t understand the contract, take it to a lawyer or a Certified Financial Planner who doesn’t have an interest in the transaction for an objective point of view. Be careful so you don’t become the next horror story.

Nationally-syndicated financial columnist and Certified Financial Planner® Jeffrey Voudrie provides personal, in-depth money management services and advice to select private clients throughout the USA. He’ll answer your financial question – FREE at http://www.guardingyourwealth.com

There is a cable in the back of my car that cost about $37, with tax.

I bought it because I thought I needed it as an Internet connection, but as it turned out, I didn’t.

It has been dwelling in my car, nestled deep in the rumples of the beach blanket, or half-squeezed into the netherworld between the hatch and the back seat, for better than a year.

Why don’t I return it to the retailer and get a refund or at least a credit toward something else?

I’m not lazy. Heck, I’ll drive a half a mile out of my way to save a dime on a gallon of gas.

My problem is when I imagine returning it, I ANTICIPATE DISSATISFACTION, in the form of poor treatment, having to do verbal combat, and possibly wasting my time by being told to get lost.

I envision walking into the store, being shuttled from one clerk to the next, standing in lines, explaining my rationale more than once for returning the cable, and then being told that the policy prevents them from giving me what I want.

Or, some bozo will tell me with pursed lips, “We’ll only do this ONCE,” which has become somewhat of a mantra of CSR’s at Citibank.

So, there is an unconscious calculus that I do as I am reminded the cable is still residing in the shadows. If it takes me an hour to return the cable, given drive time, parking time, and transaction time, and it puts me into a negative frame of mind so subsequent hours become tainted, I’m losing money, and more important, peace of mind, even if they hand me my cash back.

I’m interested in this because it is an under-reported phenomenon.

ANTICIPATORY DISSATISFACTION isn’t on the radar at all of customer service people and the consultants and pollsters that serve them.

But this sort of dread keeps us from coming back. It eats away at customer retention and loyalty, and of course, it diminishes profits.

Retailers jump through hoops and invest fortunes in advertising to bring us into stores, but then they virtually tell us to stay away if we have an item to return.

“Come back ONLY if you’re buying,” seems to be their lopsided offer.

But it isn’t a good deal, for us, or for them.

Dr. Gary S. Goodman is the
best-selling author of 12 books and more than
a thousand articles. A frequent expert commentator on radio and TV, he is quoted often in prominent publications such as The Wall Street Journal and Business Week.
His seminars and training
programs are sponsored internationally and he
is a top-rated faculty member at more than 40
universities. Dynamic, experienced,
and lots of fun, Gary brings more than two decades
of solid management and consulting experience
to the table, along with the best academic preparation
and credentials in the speaking and training industry.
Holder of a Ph.D. from the
Annenberg School For Communication at USC,
an MBA from the Peter F. Drucker School of Management,
and a law degree from Loyola, his clients include several
Fortune 1000 companies along with successful family
owned and operated firms. Much more
than a “talking head,” Gary is a top mind that you’ll
enjoy working with and putting to use.
He can be reached at: gary@customersatisfaction.com

If you suffer from asthma, you are familiar with the sudden onset of coughing, that tight feeling in your chest and how hard it can be to get your breath when something triggers an attack. Understanding what type of asthma you have can help you control, or even eliminate your attacks.

The first symptoms of asthma are typically discovered during childhood, and frequently will disappear by adulthood. A small percentage of people suffer their first asthma attack after the age of twenty-one, and it remains with them for life.

There are three main types of asthma, allergic, idiopathic, and mixed asthma.

1. Allergic asthma is typically caused by airborne and seasonal allergens. Typically, there is a family history of allergies, but not necessarily asthma. Once you are exposed to the allergen, it acts as a trigger for an asthma attack. By avoiding the allergen, the asthma is controlled. Children with this kind of asthma generally outgrow it by the time they reach their teen years.

2. Idiopathic or non-allergic asthma is not related to any specific allergen or substance. Common triggers include the common cold, a respiratory tract infection, exercise, emotions, or environmental pollution. Food additives such as sulphites can also trigger this type of asthma. Over time, asthma attacks can become more frequent and severe. It can also develop into a more serious respiratory condition, such as chronic bronchitis, or emphysema.

3. Mixed asthma is a combination of the above types. It is the most commonly diagnosed asthma.

4. Exercise induced asthma is not considered to be one of the basic types of asthma. It is common in people who have one of the above varieties. If you suffer from exercise induced asthma, your airway is reactive to certain conditions, and exercise acts as a trigger. Sometimes, the first symptom you have is being short of breath when you exercise. You might ignore it, thinking that it is because you are out of shape, or haven’t worked out for a while. You will find that you cannot build up your endurance because you remain short of breath after minimal exercise. Aerobic exercise, running, playing soccer or hockey, is most likely to trigger this type of asthma attack.

No matter what type of asthma you suffer from, it takes over control of your life. It determines how well you sleep at night, how much energy you have during the day, and how much enjoyment you get out of life. Understanding your asthma type puts you back in control, and helps you prevent those episodes.

Become naturally free from asthma using a safe, drug free, fast working treatment that is proven by clinical trials at a major hospital. Discover how at http://www.AsthmaCareTips.com

The Robinson R22 is one of the world’s most economical helicopters and a favorite of flight schools and training facilities worldwide. With a MSRP of around $200,000, dealers will often give a discount of 7-9% off list price. Paying close to $4 per gallon for 100LL and budgeting realistic amounts for maintenance and the 2200-hour overhaul, the direct operating cost of an R22 is approximately $100 per hour.

Robinson helicopters are remarkably reliable and maintenance-free. The majority of accidents are due to pilot error, and a further increase in constructional safety would be quite difficult to realize at the same cost. Many private heli pilots consider the Robbie R22 and R44 to be the best light helicopters in the world in their price range.

If you want to buy a Robbie, there are a number of things to look out for. General helicopter purchase guidelines are more or less self-explaining and include:

• a regular maintenance history with checkups
• damage and repair history
• factory overhaul?
• corrosion inspections?
• was the heli mainly parked in hangars or outside?

Robinson helicopter specific issues include some of the following:

• main rotor blade erosion on S/N 0002 through 4100 (Service Bulletin 96)
• main rotor blade skin debonding
• lower actuator bearing assembly (Service Bulletin 95)
• stainless steel antenna tips have proven to be problematic and should no longer be used (Service Bulletin 93)
• tail rotor pedal clips should have been replaced with locking pins (Service Bulletin 93)
• main rotor teeters should have been strengthened (Service Bulletin 78)
• fuel tank vents should have been upgraded for S/N 0002 through 1451

For a large selection of Robinson helicopters, sometimes far below list price even despite low engine hours, you can check out http://www.seizedaircraft.com which features nationwide listings of auctioned helicopters and aircraft.

There are more issues and service notes to pay attention to, which can be found at Robinson Heli’s website.

Before you hear your own wedding bells ring, have you heard of pre-marital counselling or course?

There are plenty of such courses out there, be it in churches, family service centres or places of religions.

Couples pay quite alot to join these courses and at the end of the day, some find such courses a waste of time.

My friend took part in the course with her husband-to-be at that point in time. Her conclusion…? was that she could have better spent the time at the beach.

In fact, many aspects of maintaining a good relationship can be learnt from planning your wedding.

For instance, when it comes to budgeting, many couples find it really hard to discuss ad come to a common understanding. They have difficulty agreeing what to spend and how much to spend.

Other instances such as understanding the value and belief of your spouse-to-be. For example, the bride may feel that she needs to get the best gown and the most expensive bridal package.

The groom on the other hand may feel that they should get what they can afford.

More challenges await them when they meet the parents.

Family beliefs and power struggle are other aspects to take note.

Family beliefs such as traditional beliefs and practices at home have to be discussed.

For example, the bride’s family may have complicated wedding custom that has to be followed. However, the groom’s family is not particular over such traditions. Complications may arise from such situation of whose practices to follow.

Power struggle may arise when other family members or even relatives want to play a part in giving feedback or “helping” out at the wedding.

For example. I have this friend whose mom allowed her daughter to plan her own wedding. However, the aunties came along to give unnecessary remarks thinking that they are helpful. They didn’t know that the concerns became stressors for the bride.

Such difficulties that the bride or groom go through alone could be very good opportunity for the newly-wed to come to consensus how do they want to support each other.

These are times to understand expectations, values and beliefs of their partners as well as their families.

Wedding isn’t easy. It is not just the marriage of two people, but the marriage of two families.

To go for marriage preparation course, it is completely your decision whether or not to undergo before you get married.

Remember, going for such courses doesn’t guarantee that your wedding will be quarrel or conflict-free. It could be a good starter to look at your relationship from another angle.

Remember, maintaining a relationship will last you a lifetime.

Jhong Ren runs My Wedding Blog- an online wedding diary that gives more than just the usual tips and advice on a daily basis. Check out http://www.romance-fire.com now and by all means leave us your comments, share some of your own wedding experiences and give us some suggestions for new resources we can recommend to our community.

The Secret

For years I’ve searched for the secret to success.

What is it that enables entrepreneurs to identify opportunities that the rest of us overlook? And how are they able to transform those opportunities into success, often with little of their own money to start?

Curiosity, imagination, creativity, drive and determination, passion, persistence and a positive attitude applied to a solution oriented mindset are all essential attributes of a successful entrepreneur.

Yet there is one simple yet profound premise from which all other success habits stem, the basis from which all things become possible.

It’s a universal law and the basic premise from which all entrepreneurs operate. It’s a simple secret that holds the key to personal and professional mastery.

It’s the law of cause and effect.

Understanding and (accepting) the law of cause and effect forces us to take responsibility for our circumstances. It forces us to realize that we are where we are as the result of the choices we made, choices that may have been limited by our knowledge and understanding, but choices we’ve made nonetheless.

Our success is the sum of our knowledge and our effort. Once we realize that our circumstances are the result of our knowledge and our efforts, an awakening occurs. Once we accept this self-evident truth, all things become possible.

With different knowledge and new behavior, we’ll get different results.

Curiosity and creativity, innovation and initiative, passion and persistence, drive and determination and a positive attitude, characteristics essential to success, are all natural outcomes that stem from this basic premise.

The law of cause and effect forces us to stop complaining about changes in the marketplace, the economy or the increasing demands from customers, clients or the boss. It forces us to separate the things we can change from those we cannot.

Stop wasting precious time, energy and resources focusing on the things over which you have no control. Focus instead on solving problems. Harness your innate creativity and imagination towards possibilities and potential rather than liabilities and limitations. Increase your learning velocity. Stop being a prisoner of the past. Push the limits of what you think you are capable of. Take what you have and find a way to make it work. That’s what entrepreneurs do.

And remember the secret: If we do what we’ve always done, we’ll likely get what we’ve always gotten.

© Copyright 2007 Gary G. Schoeniger

Gary Schoeniger is a speaker and small business coach widely recognized as an expert in innovation and entrepreneurship for small business.
Certified as an instructor by The National Foundation For Teaching Entrepreneurship Gary provides entrepreneurial education programs for high school and undergraduate students. He is the founder and CEO of Schoeniger Growth Consultants.
He can be reached at 216/780-9417. Gary Schoeniger
Reprint permitted with resource box attached.

Before applying any form of vaginal yeast infection treatment you must know how to identify the symptoms correctly. All too often women waste time trying to cure a yeast infection that they do not even have.

But first lets look at the causes. By knowing what the causes are, especially if you suffer from recurring yeast infection, you can prevent it instead of curing it. Anything that changes the vaginal environment, increase PH, moisture and heat for a prolonged time period, hormonal change, high blood sugar levels and allergies are all factors that can reduce the acidic balance in the vagina allowing the bacteria Candida Albican to grow rapidly and take over causing a yeast infection.

Tight dirty clothes, especially non-cotton panties, that capture heat and moisture, wearing panty-hoses every day, dyes and perfumes like the ones found in deodorant tampons and pads, even commercial douches are harmful to the vaginal environment.

Diet can also be a factor. Cutting down on foods containing yeast helps reduce the frequency and intensity of vaginal yeast infections. High sugar diets elevates the sugar level in your urine feeding the yeast allowing it to grow more rapidly and take over. Caffeine is also attributed to causing yeast infections.

Now lets talk symptoms. Women often misdiagnose themselves as having a yeast infection when in fact it is either a bacterial infection or a urinary track infection. Instead of curing there ailment they are fiddling around trying to cure something that they just don’t have. So knowing how to recognize the symptoms is very important.

They include an intense and burning sensation in your vagina. A clumpy white discharge from the vagina that looks like cottage cheese. The discharge can however range from the white to a less clumpy and faintly yellow. It also smell like yeast.

Now for the treatments. When you can identify it quickly it becomes easier to treat effectively using home remedies. More and more women are using these as they are safe and effective unlike some of the drugs out there today. At www.ask-med.com/yeastinfection you can view a list of some effective home remedies for yeast infection.

Cure your yeast infection fast. Natural cures gives you complete relief in hours, safe, completely natural and drug free. CLICK HERE http://www.ask-med.com/yeastinfection

If you’re someone that is currently battling Chronic Fatigue Syndrome or Fibromyalgia then it is absolutely paramount that you practice positive thinking and affirmations on a daily basis. You see, our thoughts are innately connected to our bodies and health so if you constantly think negative thoughts about yourself and your illness then you’ll experience a surge of negative symptoms and your condition will not improve. However, if you practice positive thinking then you can influence your healing and take control of your medical condition once and for all.

If you’re still not convinced about the importance of positive thinking, let’s discuss two Chronic Fatigue Syndrome and Fibromyalgia patients that I know. Mary has been suffering from Chronic Fatigue Syndrome for over 5 years. Every single day, Mary moans and complains about her illness. She tells everyone she knows about her unrelenting fatigue, headaches and body aches. In her opinion, Mary is unable to control or handle her Chronic Fatigue symptoms and for her life is unbearable. As such, the quality of Mary’s life is significantly impaired and she doesn’t feel better or experience any symptom free days. Although Mary has many friends and family who care about her, many people stay away from her, because they don’t want to hear such negativity. On the other hand, let’s talk about Jane. Like Mary, Jane has been battling with Chronic Fatigue Syndrome for over 5 years too. She too experiences unrelenting fatigue, headaches, muscle aches and other symptoms. However, Jane does not discuss her symptoms or illness with anyone except her spouse and her physician. And, when she discusses her condition, she only speaks of it in a positive manner. In fact, no one even knows that Jane has chronic Fatigue Syndrome because she does not dwell upon her symptoms.

In addition, Jane practices daily affirmations every single day and refuses to allow her illness to control her but controls it instead. As such, Jane has seen some true and remarkable progress over the past five years. For instance, at the beginning of Jane’s illness, she was unable to get out of bed and was tempted to alienate herself from the world. However, she quickly changed her perspective. Now, Jane experiences many symptom free days and feels in control of her condition. Basically, Jane refused to accept her diagnosis as a lifelong sentence and remains committed and optimistic about her complete healing.

So, if you are a sufferer from Chronic Fatigue Syndrome or Fibromyalgia who truly wants to experience remarkable progress then you should be more like Jane. By maintaining a positive attitude and utilizing affirmations on a daily basis you too will experience the miracle of healing.

Here are some affirmations you can begin using right now:

1. I take complete control over my illness and am getting better every day.

2. I respect myself and take care of my body.

3. I accept my condition and know that healing is taking place within me.

4. I creatively handle any problems without stress and maintain a positive attitude at all times.

5. I release my symptoms and welcome healing and am confident that I am getting stronger every single day.

6. I refuse to give power to this condition and maintain control.

7. I seek out and receive support for handling this condition.

8. I treat myself lovingly and give myself special attention when needed.

9. I focus on healing and trust that a miracle is happening within me.

10. I am in complete control of this condition and give thanks for a complete recovery.

In conclusion, you can experience remarkable healing just like Jane. You simply have to be willing to put forth the necessary effort, practice affirmations and positive thinking and be open and receptive to receiving healing.

Kristi Patrice Carter is an experienced marketing consultant and copywriter that has been battling Chronic Fatigue Syndrome/Fibromyalgia for over 2 years. She created http://www.chronicfatiguerelapse.com to assist others who are experiencing this debilitating condition or hoping to avoid a relapse of symptoms after a symptom-free time. Learn more about Chronic Fatigue Relapse.

Recent statistics reveal that Great Britain has the highest percentage of obese inhabitants in Europe, and it has been forecast that this figure is set to increase in size, if nothing is done about the problem. Although Great Britain has climbed to the top of a chart, I doubt even the most patriacal Brits could view this as any kind of victory. In fact this should act as a catalyst for us, as a nation, to act on these findings and begin to reverse the trend.

The report shows that one in five women and one in four men are now obese, with the North of the country being the worst affected. The obesity problem all around the world has been described as an epidemic, which may sound ridiculous, when we consider that this word usually follows diseases such as cholera and aids; however, it appears that as time goes on this description of the problem is becoming more and more warranted.

The fact is that being overweight or even being obese is not purely an issue in terms of physical appearance, but this disease can lead to all kinds of medical and potentially life threatening illnesses.

Diseases Associated with Obesity

- Diabetes
- Hyperlipidemia
- Blood circulation diseases like arteriosclerosis, high blood pressure, heart disease, and palsy
- Skin disease
- Joint problems, back, knee, and ankle pain
- Liver disease
- Cholelithiasis
- Menstrual abnormalities
- Female infertility
- Breast cancer
- Endometrium cancer
- Decline in libido
- Mental stress

As if this list of illness were not enough, to reinforce the enormity of the problem and consequently the task ahead to solve it, some experts are predicting that by the year 2020 obesity related mortality will have overtaken smoking related mortality as the number 1 cause of death in Great Britain. It is of course up to our Government to ensure the welfare of its’ population (or employers), which will probably happen in time, after all the country wide smoking ban in public places is due to begin on July 1st, just decades after the dangers to health of such a habit were very clear to nearly everyone.

We do need to tackle this problem as a nation and I am sure that steps will be taken to do so, however, in the meantime there are simple steps that we can all take as individuals to improve the health of our own families.

For the safest and most affective method for you to guard against obesity or to cure obesity, I would recommend consulting your doctor, because they should be most qualified to deal with weight issues and concerns that you may have.

Warren Pears writes articles on a variety of areas in the health and beauty sector, and works for http://www.beautysolutionsreview.com providing reviews of products and information within the health and beauty sector.

When someone who is not involved in big ticket sales thinks about sales training they think it’s meant for someone else. What does someone who is a factory worker, a clerk in a large department store, a food server, a first responder, a school teacher, a civil servant, a student, someone in the military or a stay at home Mom need with sales training? You might just be surprised. Curious? Discover the special benefits right here.

Contrary to what many might think, great sales training isn’t about showing someone how to get people to buy something they don’t want or need for far too much money. Sales training helps people provide a valuable service, plus a lot more.

If you are genuinely seeking self improvement in your life, consider some of the real benefits you can acquire by enrolling in a comprehensive sales training program. Master salespeople receive training in many important areas beyond the actual selling process. They learn how to develop life and social skills as well. These are the skillsets that will afford you exceptional self improvement opportunities.

Comprehensive sales training will help individuals to:

1) identify behavioral patterns that are holding them back from success as well as provide positive alternative behaviors that generate positive results

2) develop valuable negotiating skills. Regardless of our role in life, we all negotiate. Wouldn’t it be nice to understand the process and negotiate from a position of strength. When you make a major purchase why should the seller have all the power.

3) learn how to communicate more effectively. Good communication skills certainly help create self confidence.

4) learn the secrets of effective goal setting and how to reach them, regardless of the area of life involved.

5) learn effective methods for activity management, also called time management. Successful people always seem to get more out of their 24 hours, don’t they?

6) learn how to remain calm in more stressful situations. Master salespeople rarely allow themselves to be drawn into conflict with a customer, even where the customer is upset about something. This is a learned skill that can payoff everyday in our personal lives.

7) gain the necessary skills to cope emotionally when things don’t work out as planned. Life is full of ups and downs just as sales success is. Salespeople learn how to stay off the emotional rollercoaster.

learn some of the secrets of reading body language. Wouldn’t it be nice to get a glimpse of what someone is feeling just by observing them. In the process, wouldn’t it benefit you to learn how not to convey negative messages to someone else through your own body language.

9) learn how to quickly identify various personality types and understand what to expect when encountering them.

10) learn how to take personal control over all aspects of life regardless of social background. This means understanding the nature of cultural and social conditioning and removing the influence of those elements that do not serve you in positive manner.

11) learn effective methods to deal with rejection. Salespeople experience more rejection than acceptance on a daily basis since there are more prospects who do not buy than those who do. Salespeople, therefore, must learn effective coping mechanisms or they will not survive in the selling business for very long. As you can imagine, these coping skills serve particularly well in day to day living since rejection finds its way into many areas of our lives.

12) learn how to recognize professional salespeople in the marketplace by understanding how the best should be serving you. This can provide you with an enormous advantage when you make a purchase because you will soon be choosing to do business only with salespeople who are providing you with a quality buying experience.

This list is by no means an exhaustive one when it comes to what is covered in great sales training. However, I do hope that it is sufficient to illustrate that there are many elements of sales training that will prove to be exceptionally beneficial to anyone actively pursuing self improvement.

Whether we call it selling, negotiating, or simply interacting with family, friends, coworkers or strangers, we do it every day. It certainly makes sense to have the skills needed to function most effectively, doesn’t it? Comprehensive sales training will certainly help.

We offer complete, powerful and very affordable computer based Mastery sales training for individuals at http://www.salestraininghere.com Please drop by and discover the comprehensive nature of this training which crosses over into daily living as well. You can see course details and lesson summaries. Our training will add to your effectiveness and personal enjoyment of life. We offer a risk-free guarantee and a great free affiliate program.

You are also invited to discover http://www.gettingpaidisgood.com/ which is a free resource center website for those looking to develop ways to get paid more and more often as well as providing links to self improvement specialists. Picking up extra income may be a lot easier than you might think. Don’t wait. Please visit us now.