Tag Archives: Understand

The Lap Band Center Now Provide Complimentary Consultation for Patients: Understand the Secrets of Lap Band Surgery from Dr. Naim

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Los Angeles, California (PRWEB) July 03, 2013

Dr. Naim from The Lap Band Center has taken the liberty to introduce prospective patients to the ins and outs of lap band surgery and now they offer a complimentary consultation for their sufferers.

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As one particular of the foremost professionals in this kind of surgery, Dr. Naim assures these interested in lap band surgery, also known as bariatric surgery, that this technique of weight loss is worth the time, funds and work.

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Though a lot of men and women have a tendency to shy away from any form of weight loss surgery, lap band surgery is swiftly gaining reputation as the only weight loss surgery method officially authorized by the Food and Drug Administration (FDA). This heightened interest in lap band surgery has urged Dr. Naim to put together some useful information on it.

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Assemblymember Mary Hayashi Urges Customers to Understand About New Economic Protection Laws and Sources

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Hayward, CA (PRWEB) July 23, 2012

As the chair of the Assembly Business, Professions and Consumer Protection Committee, Assemblymember Mary Hayashi (D-Hayward) applauded the passage of the California Homeowner Bill of Rights, which was signed earlier this month by the Governor. She is encouraging Californians to learn about this law and other state and federal sources developed to shield home owners and consumer finances.

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The Homeowner Bill of Rights is a landmark bill that gives Californians the strongest foreclosure protections in the country, stated Assemblymember Mary Hayashi. Its portion of an critical national effort to spot shoppers very first, and its crucial that we let the public know that these sources exist to assist them save their homes and their financial safety. New federal agencies like the Customer Financial Protection Bureau are working to address numerous concerns, from credit and lending to mortgages and elder economic abuse, and theyre going to make a tremendous distinction for buyers.

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The California Attorney Generals office reports that much more than one million properties were lost to foreclosure between 2008 and 2011, and one more 700,000 are undergoing the foreclosure procedure. The California Homeowner Bill of Rights is a extensive bill package developed to bring fairness and transparency to the mortgage and foreclosure process, and support save California properties. It consists of provisions that prohibit unfair bank practices and assistance loan modifications over foreclosure. The law will go into effect on January 1, 2013.

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Last week, Assemblymember Mary Hayashi was element of a California State Assembly delegation that went to Washington, DC to advocate for much more sources for California. The delegation met with the Consumer Monetary Protection Bureau, which was developed to regulate customer monetary goods and services in compliance with federal law. They discussed the Homeowner Bill of Rights and other mortgage protection methods. Just recently, the Bureau made headlines with its crackdown on Capital One particular, ordering the corporation to refund $ 140 to $ 2 million to clients for its unfair marketing and advertising practices of fee-primarily based solutions.

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To read a lot more about the California Homeowner Bill of Rights, please check out the California Workplace of the Attorney Basic internet site at http://oag.ca.gov/hbor.

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To find out far more about the Consumer Monetary Protection Bureau, please check out their internet site at http://www.consumerfinance.gov.

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Assemblymember Mary Hayashi is the Chair of the Organization, Professions, and Customer Protection Committee and serves the 18th Assembly District, which involves San Leandro, Hayward, Dublin, most of Castro Valley and Pleasanton, and a portion of Oakland, as nicely as the unincorporated locations of Ashland, Cherryland, San Lorenzo and Sunol.

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Get Out of Debt Free Card, Now Available on Kindle, is a Personal Finance Book Everyone Can Understand

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(PRWEB) February 07, 2012

Get Out of Debt Free Card, written by Karin Palminteri, is now available on the Kindle platform. The book was written with the goal of helping the everyday person become financially responsible by teaching readers how to develop skills to get out of debt and make good financial decisions. The book has everything the reader needs to know for a debt free future. There is no finance degree or college education required; this book was written for everyone to understand.

If more people are aware of their finances and how to structure them, and they are educated on the resources available to them, they will be able to get out of debt and make good financial decisions in the future. In return, it will help our economy as a whole, Palminteri said. In todays society, a lot of people make very poor financial decisions due to the lack of knowledge and skills that are required to be successful financially.

Palminteri wrote the book in a straightforward, easy-to-understand manner, leaving out the fluff included in other personal finance books. She gives the reader clear information and gets straight to the point.

The following topics are featured in the book:


Creating a budget: It is important to know how to create / structure and stick to a budget. A budget is a breakdown and plan of how much money you have coming in and going out. A business couldnt be successful if it didnt keep track of its income and expenses, and the same is true when it comes to personal finances.

The warning signs of debt: There are a few early warning signs of credit problems people should be aware of. When you know what warning signs to look for, action must be taken immediately to turn finances around.

Defining wants and needs: As we take a closer look at our spending habits during our countrys financial crisis, chances are we are still spending hard-earned money on needs that should really be wants. We must become more financially responsible for our actions and more conservative with our finances.

How to live within and beneath your means: Its important to learn how to save money and live beneath your means. Your spending habits can have a tremendous impact on your financial future.

Creating and structuring goals: Goal setting is a very important tool to use in your life. It helps you focus on your current and future visions for yourself, while quickly identify distractions that take you off your path to your current goal.

Negotiating tips and techniques for credit card debt reduction: One of the best possible ways to get rid of your debt is to ask creditors to negotiate the amount to be paid. In this manner, you can ask the creditor to allow you to pay a certain amount smaller than that which is due. Before moving on to debt settling with a collection agency, you need to first understand how collection agencies play a part with your debt.

How to reduce expenses: Never pay full price for anything, including internet, phone, satellite and cable services prices. You have to ask for a discount to get one everything is negotiable. Many retail stores will give you at least 10% discount if you ask. When structuring your budget for utilities, call and get on the budget plan program which puts your bill at a set amount each month. On a set budget plan, you will eliminate any potential financial surprises.

Important facts about banks and mortgages: What are your rights? What help is available? What loan modifications are available? Make decisions with your head, not your heart. Reduce your house taxes by filing an appeal for a property tax decrease.

It is important to read every chapter in the book and incorporate them into daily life. The chapters help develop skills to be financially successful and eliminate debt. The goal-setting skills that will be acquired can also be useful in personal life for success.

Get Out of Debt Free Card is available for the Kindle for $ 7.95 and can be found by clicking here.

About the Author:

Karin Palminteri has had many financial challenges in her life. She worked a full time job and two part time jobs while attending college full time for 6 years. She was a single parent raising two sons on her own with no financial support from her ex-husband while having both sons in ice hockey 5 days a week and spending only $ 25.00 a week for groceries. She encourages readers to not give up on their goals and dreams, reinforcing that if they push themselves hard enough, they will succeed. She is living proof.

Palminteri has a BA in Finance and a MBA in International Business at DePaul University. She is currently working as a Sr. Financial Analyst and has over 15 years of financial experience in budgeting, forecasting, costing and financial structuring. She has her own business that financially advises the budget structuring of start-ups, presents workshops for a debt-free future and provides private debt consolidation advice. She is living proof that if you have a strong desire and determination to succeed and get out of debt, you will.

Media Contact:

Karin Palminteri

708-320-8531

karin.palminteri(at)yahoo(dot)com

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