Renters and tenants are now being affected by foreclosures almost as often as homeowners. The mortgage industry crisis that started in 2006 has resulted in thousands -- no, make that millions -- of foreclosed homes. Most of the occupants are the homeowners themselves, who must scramble to find alternate housing with very little notice. They�fre being joined by scores of renters who discover, often with no warning, that their rented house or apartment is now owned by a bank, which wants them out.

Renters who lose their homes to foreclosures don�ft fit a single profile. Many of them live in smaller buildings, condos, and single-family homes. They�fre located in cities and surrounding suburbs, in low-income and upscale neighborhoods. In short, foreclosed homes are everywhere, and they�fre rented by people with widely varying incomes, including some with "Section 8" (federal housing assistance) vouchers.

The typical foreclosed home may have originally been owner-occupied, but more often it�fs owned by investors and speculators who were hoping to profit from the rents. Caught between the slump in housing values and the rise of mortgage interest rates, these owners could not feasibly sell or extract enough rent to cover their monthly costs. In droves, they lost their investments. For example, in Minneapolis and its surrounding suburbs, 38% of the 2006 foreclosures involved rental properties; in Minneapolis alone, 65% were rentals.

When an owner defaults on a mortgage, the mortgage holder, often a bank, either becomes the new owner or sells the property at a public sale. If the bank becomes the owner, it may pay a servicing company to handle the property. But don�ft expect close attention -- these companies are focused on financial matters, not mundane things like maintenance.

Some renters find themselves with a new owner even before the foreclosure. Lawyers in Massachusetts, for example, contend that many new rental property owners are investment trusts that specialize in purchasing troubled loans directly from banks, then foreclosing, evicting, and selling.

Before May 20, 2009, most renters lost their leases upon foreclosure. The rule in most states was that if the mortgage was recorded before the lease was signed, a foreclosure wiped out the lease (this rule is known as "first in time, first in right"). Because most leases last no longer than a year, it was all too common for the mortgage to predate the lease and destroy it upon foreclosure.

These rules changed dramatically on May 20, 2009, when President Obama signed the "Protecting Tenants at Foreclosure Act of 2009." This legislation provided that leases would survive a foreclosure -- meaning the tenant could stay at least until the end of the lease, and that month-to-month tenants would be entitled to 90 days�f notice before having to move out (this notice period is longer than any state�fs non-foreclosure notice period, a real boon to tenants).

Removing a tick from your cat or dog is easy if you just follow these simple steps.

Toe Nail Fungus infection is a chronic health problem similar to overweight and obesity.

Why I am saying that statement?

CDC Urges Americans:

Get Your Flu Shot

Last year, some 130.9 million Americans -- about 43 percent of the population -- got a shot, which represents an increase over past years. The greatest increase was among children 6 months to 17 years old. But, more adults are getting vaccinated, too, according to the U.S. Centers for Disease Control and Prevention.

"Eight million more Americans got the flu shot last year than the year before, and that�s the most people who have ever been vaccinated against flu in this country," CDC Director Dr. Thomas R. Frieden said during a Wednesday morning press conference.

About 51 percent of American children were vaccinated last year -- a 7 percent increase from the year before and 22 percent increase from the year before that, Frieden said. However, the number of young adults with conditions such as asthma who get flu shots is still too low, he said.

One reason for the increase in vaccinations appears to be a response to the emergence of the H1N1 flu two years ago, Frieden said. But it�s important to get vaccinated this year, he added.

"There are too many illnesses and deaths from influenza each year," Frieden said. "Everyone over 6 months should get a flu shot this year and every year."

Right now, more than 85 million doses of flu vaccine are available in doctors� offices, public health clinics, pharmacies and retail stores, among other sites. More doses will be available than ever before. And you don�t have to go to your doctor to get a shot because pharmacists in all 50 states can administer them.

Also, there are four ways to get vaccinated: a nasal spray; the traditional injection vaccine; a high-dose injection for people 65 and older; and a new vaccine injected in the forearm using a smaller needle.

"It looks like we are going to have a vaccine that�s very well matched to the circulating strains," Frieden said.

The CDC also recommends a three-step approach to protect yourself and family from the flu. First, get a flu shot. Second, use everyday preventive measures, such as hand washing and covering your mouth when you cough.

Finally, if you do get the flu, use antiviral drugs such as oseltamivir (Tamiflu) or zanamivir (Relenza) to help reduce the risk of complications.

Speaking at the press conference, Dr. Richard H. Beigi, assistant professor of obstetrics, gynecology and reproductive sciences at the University of Pittsburgh, stressed the importance of pregnant women getting a flu shot.

"The influenza vaccine during pregnancy is safe for both mothers and for babies," said Beigi, who�s also a spokesman for the American College of Obstetricians and Gynecologists. "Pregnant women suffer more serious morbidity and occasional mortality from influenza. This was validated during the 2009 H1N1 flu pandemic and last year as well," he added.

Pregnant women who get the flu are also more likely to deliver early and have underweight babies, Beigi said.

"Giving mom an influenza vaccination during pregnancy not only protects the mother, but also protects the newborn infant for the first six months of life. This is important because newborns less than six months of age are not eligible to receive the influenza vaccine, but are at higher risk for morbidity and occasional mortality," he said.

Frieden also recommended that seniors get a pneumococcal vaccination to protect them from flu complications such as pneumonia and meningitis. The vaccine is also recommended for young adults who have lung, heart or liver problems or diabetes or asthma, he said.

It�s impossible to predict the severity of an approaching flu season, which usually picks up steam in December and peaks in February before easing in March and April. The flu causes an estimated 200,000 hospitalizations and between 3,000 and 49,000 deaths in a typical year, according to the CDC.

For more on the flu, visit the CDC.

SOURCES: Sept. 21, 2011, teleconference with Thomas R. Frieden, M.D., M.P.H., director, U.S. Centers for Disease Control and Prevention; Richard H. Beigi, M.D., M.Sc., assistant professor of obstetrics, gynecology and reproductive sciences, University of Pittsburgh, and spokesman, American College of Obstetricians and Gynecologists

How Can I Lose Up to 1pound of FAT a Day and Not Be Hungry?

A debate has raged for decades about the best way to lose weight.

So, in 2007 when there was a reintroduction of an old diet that was popular in the 70�s but originated in the 50�s by a Dr. A.T.W. Simeon�s, initially it was not accepted. The diet commonly referred to as the HCG diet was basically a very strict diet of certain proteins, vegetables and fruits and the use of a prescription administered by subcutaneous injection called hCG (human chorionic gonadotrophin). They stated that the low-calorie diet of 500 calories was truly a starvation diet. They claimed anyone who ate only 500 calories would lose weight anyway and the use of hCG was not FDA approved for weight loss. The truth was the use of minute amounts of hCG was simply not understood in combination with a low-calorie diet.

Though the current model primarily used by physicians for decades was use of various prescription appetite suppressants such as Phentermine. The problem was these drugs not only suppressed the individual�s appetite, but when they did eat they did not choose nutritious foods as most were never given a diet plan. So patients did report losing weight while on the appetite suppressants, but they reported loose skin and found they lost more muscle mass than fat. Once off the appetite suppressants they found their appetite returned with a vengeance only to regain the weight and more.

My initial training with hCG was with Dr. Daniel Belluscio from Buenos Aires, Argentina who is one of the sole remaining physicians trained by the late Dr. Simeons.

Dr. Belluscio�s preferred use of hCG was an oral sublingual delivery method thus the Oral hCG Research Center of which he conducted double-blind studies to show the effectiveness of the use of hCG. He followed Dr. Simeons suggested 500 calories and his only change was the delivery method of an oral route versus injections.

Dr. Simeons back in the 1950�s presented a paper to the medical community stating that minute amounts of hCG would target the hypothalamus gland within the brain to release the fat stores in the body. The trapped fat would release nutrition or calories for use as energy. This released fat feeds the body so dieters don�t experience the hunger and exhaustion that usually accompanies a low-calorie diet.

Individuals who thought that they could follow the diet without the use of hCG and still lose weight found that within a few days they were not only hungry but were irritable and most were not able to continue the diet. In addition, many times the individuals did not lose weight but gained weight.

Could it of been a compensatory mechanism to hold onto the weight as the brain perceived itself in an emergency situation�of starvation. Dr. Simeon�s belief that obesity was due to a dysfunctional hypothalamus gland (in the brain).

In my research, I have found that there are individuals who no matter how little they eat simply cannot lose weight. The origins of their weight gain usually occurred after some type of traumatic event (perceived by the body) whether psychological (divorce, loss of a loved one) or physiological (pregnancy or an illness).

To assume why Dr. Simeons believed the use of hCG would work is to understand how hCG works in pregnancy. During the first 4 weeks of pregnancy the growing embryo has created the entire foundation to the brain, all the organs and the nervous system. The levels of hCG raise exponentially daily to eventually over a million units within the body. The hCG levels are thought to be a protective mechanism for the growing embryo to ensure nutrition despite the diet of the pregnant women. Thus, his theory that hCG could trigger the release of nutrition from the fat stores.

But, here�s the deal after seeing 30,000 patient�s at Bouari Clinics we have found that the problems that existed with individuals trying to lose weight in the 1950�s with Dr. Simeons research are very different than today.

We found that 500 calories is simply too low we found that the majority of patients struggling with weight issues today had other underlying issues that simply did not exist in the 1950�s. We found that increasing the calories and implementing more protein especially at breakfast, implementing additional supplementation we could avoid many of the complaints people had with hCG such as fainting, weakness, and hair loss. We realized that most patients who walked into our office had existing nutritional deficiencies originating from years of yo-yo dieting and skipping meals. Hence the implementation of small frequent meals to retrain your brain and body that there would be a constant source of nutrition in order to jump start their metabolism.

A study in 2010 in The Bariatrician (a journal published by the American Society of Bariatric Physicians) stated that hCG does work and found that individuals lost 30 percent more weight than individuals on a low-calorie diet alone.

The other problem we found was that prescription hCG could only be used for duration of 40-50 days and with women losing on average of � pound of weight per day. These women would often lose only 20-30 pounds during the program and would then have to go on a maintenance diet for 6 weeks. The maintenance diet allowed a greater variety of foods and during this period they were to maintain the weight lost within 2 pounds. So some women needing to lose more than 20-30 pounds would become discouraged and during their maintenance 6 weeks would often go back to eating the foods (simple carbohydrates and white sugar) that caused their original weight gain.

This got me back to thinking on Dr. Simeon�s belief that obesity was truly due to a dysfunctional hypothalamus gland; the hypothalamus gland being the control gland of all the other endocrine glands. What about supporting all of the glands during the program and into maintenance so we could have continued weight loss without an interruption?

It was discovered years ago that homeopathically prepared healthy organs or glands can relieve disease or disorder and restore healthy functioning in the same organs or glands when given to the individual in homeopathic form � the pituitary, hypothalamus, adrenal, and thyroid what we refer to as the PHAT glands � which directly govern and control weight gain, water retention, and dysfunctional appetite. Using multiple potencies of these PHAT glands modulates and balances their functions thus restoring A debate has raged for decades about the best way to lose weight.

So, in 2007 when there was a reintroduction of an old diet that was popular in the 70�s but originated in the 50�s by a Dr. A.T.W. Simeon�s, initially it was not accepted. The diet commonly referred to as the HCG diet was basically a very strict diet of certain proteins, vegetables and fruits and the use of a prescription administered by subcutaneous injection called hCG (human chorionic gonadotrophin). They stated that the low-calorie diet of 500 calories was truly a starvation diet. They claimed anyone who ate only 500 calories would lose weight anyway and the use of hCG was not FDA approved for weight loss. The truth was the use of minute amounts of hCG was simply not understood in combination with a low-calorie diet.

Though the current model primarily used by physicians for decades was use of various prescription appetite suppressants such as Phentermine. The problem was these drugs not only suppressed the individual�s appetite, but when they did eat they did not choose nutritious foods as most were never given a diet plan. So patients did report losing weight while on the appetite suppressants, but they reported loose skin and found they lost more muscle mass than fat. Once off the appetite suppressants they found their appetite returned with a vengeance only to regain the weight and more.

My initial training with hCG was with Dr. Daniel Belluscio from Buenos Aires, Argentina who is one of the sole remaining physicians trained by the late Dr. Simeons.

Dr. Belluscio�s preferred use of hCG was an oral sublingual delivery method thus the Oral hCG Research Center of which he conducted double-blind studies to show the effectiveness of the use of hCG. He followed Dr. Simeons suggested 500 calories and his only change was the delivery method of an oral route versus injections.

Dr. Simeons back in the 1950�s presented a paper to the medical community stating that minute amounts of hCG would target the hypothalamus gland within the brain to release the fat stores in the body. The trapped fat would release nutrition or calories for use as energy. This released fat feeds the body so dieters don�t experience the hunger and exhaustion that usually accompanies a low-calorie diet.

Individuals who thought that they could follow the diet without the use of hCG and still lose weight found that within a few days they were not only hungry but were irritable and most were not able to continue the diet. In addition, many times the individuals did not lose weight but gained weight.

Could it of been a compensatory mechanism to hold onto the weight as the brain perceived itself in an emergency situation�of starvation. Dr. Simeon�s belief that obesity was due to a dysfunctional hypothalamus gland (in the brain).

In my research, I have found that there are individuals who no matter how little they eat simply cannot lose weight. The origins of their weight gain usually occurred after some type of traumatic event (perceived by the body) whether psychological (divorce, loss of a loved one) or physiological (pregnancy or an illness).

To assume why Dr. Simeons believed the use of hCG would work is to understand how hCG works in pregnancy. During the first 4 weeks of pregnancy the growing embryo has created the entire foundation to the brain, all the organs and the nervous system. The levels of hCG raise exponentially daily to eventually over a million units within the body. The hCG levels are thought to be a protective mechanism for the growing embryo to ensure nutrition despite the diet of the pregnant women. Thus, his theory that hCG could trigger the release of nutrition from the fat stores.

But, here�s the deal after seeing 30,000 patient�s at Bouari Clinics we have found that the problems that existed with individuals trying to lose weight in the 1950�s with Dr. Simeons research are very different than today.

We found that 500 calories is simply too low we found that the majority of patients struggling with weight issues today had other underlying issues that simply did not exist in the 1950�s. We found that increasing the calories and implementing more protein especially at breakfast, implementing additional supplementation we could avoid many of the complaints people had with hCG such as fainting, weakness, and hair loss. We realized that most patients who walked into our office had existing nutritional deficiencies originating from years of yo-yo dieting and skipping meals. Hence the implementation of small frequent meals to retrain your brain and body that there would be a constant source of nutrition in order to jump start their metabolism.

A study in 2010 in The Bariatrician (a journal published by the American Society of Bariatric Physicians) stated that hCG does work and found that individuals lost 30 percent more weight than individuals on a low-calorie diet alone.

The other problem we found was that prescription hCG could only be used for duration of 40-50 days and with women losing on average of � pound of weight per day. These women would often lose only 20-30 pounds during the program and would then have to go on a maintenance diet for 6 weeks. The maintenance diet allowed a greater variety of foods and during this period they were to maintain the weight lost within 2 pounds. So some women needing to lose more than 20-30 pounds would become discouraged and during their maintenance 6 weeks would often go back to eating the foods (simple carbohydrates and white sugar) that caused their original weight gain.

This got me back to thinking on Dr. Simeon�s belief that obesity was truly due to a dysfunctional hypothalamus gland; the hypothalamus gland being the control gland of all the other endocrine glands. What about supporting all of the glands during the program and into maintenance so we could have continued weight loss without an interruption?

It was discovered years ago that homeopathically prepared healthy organs or glands can relieve disease or disorder and restore healthy functioning in the same organs or glands when given to the individual in homeopathic form � the pituitary, hypothalamus, adrenal, and thyroid what we refer to as the PHAT glands � which directly govern and control weight gain, water retention, and dysfunctional appetite. Using multiple potencies of these PHAT glands modulates and balances their functions thus restoring their natural functions and correcting many of the reasons some of us gain weight so easily. Thus, the creation of our Advantage proprietary formula which is a sublingual spray administered twice a day under the tongue. Many ingredients in our formula have been proven to be quite effective in treating obesity problems by enhancing the body�s natural metabolic functions and addressing the underlying causes of weight gain.

Our Advantage formula received FDA Registration in December of 2010 and we have been successfully using it in lieu of the hCG injections or in combination with the hCG injections or simply during maintenance after the timeframe allowable for hCG injections for continued weight-loss.

Patients who have issues of being overweight or obese, children to adults, can expect some rapid and astounding results with our Advantage formula which can specifically address the following:

help correct low thyroid function � for slow or sluggish metabolisms, general obesity, predisposition to obesity, tendencies to deposit fat in certain parts of It was discovered years ago that homeopathically prepared healthy organs or glands can relieve disease or disorder and restore healthy functioning in the same organs or glands when given to the individual in homeopathic form � the pituitary, hypothalamus, adrenal, and thyroid (PHAT) glands � which are heavily implicated in weight gain, water retention, and dysfunctional appetite. Using multiple potencies of these PHAT glands modulates and balances their functions thus restoring their natural functions and connecting many of the reasons some of us gain weight so easily. Many ingredients from homeopathy have been proven to be quite effective in treating obesity problems by enhancing the body�s natural metabolic functions and addressing the above underlying causes.

The Advantage formula is safe and has no side effects, no negative drug interactions, and no contraindications, as well as being non-habit forming.

Dr. Bouari is a nationally recognized researcher, author and lecturer on weight loss. In addition, Dr. Bouari is the co-founder and director of Bouari Clinics which became a national franchise in 2011and their mission is to address the epidemic of obesity. To contact our office for a free-consultation our number is 877-331-2510

We are a community Living together!

As active members of a community, we have a need to connect with one another, let it be through work or play. Within today�s activities, finding Resources that help us accomplish that connection gets overlooked by our daily responsibilities. Finding time between work, traffic, soccer practice and dinner to locate a good service provider has become a challenge.

In efforts to facilitate that connection, Resource Living magazine was born. Our extensive publishing experience has educated us to recognise needs within respective niches. Having published real estate magazines for over eleven years has prepared us to provide for the specific needs of our advertisers. The proof is in the late nineties when we revolutionized the complimentary real estate magazine market by offering realtors; quality, distribution, and value. Within time we started to acknowledge the needs of our readers, naturally Resource Living was the next stride in our lineup of successful magazines.

Why Resource Living? Simple, those who offer services and products depend on consumers. Those seeking services and products need resources. For the most part, this community dynamic occurs within five to ten miles of your home and business. If you agree with this statement, then we can pro-actively state that Weston, Southwest Ranches, Pembroke Pines, Cooper City, Davie, South Plantation and the neighborhoods around and within make up a very active community.

FORECLOSURE rates continue to rise.

Did you know that your trash bin is a major breeding ground for bacteria? Trash bins become foul, whether or not trash bags are used to contain the garbage placed inside them. Trash bin bags will certainly acquire nicks, rips, and slashes; so odors, mush, and foul liquids will inevitably find their way into the bottom of the trash can.

Just using a hose and broom to clean your trash and recycle bins is not sufficient to remove or kill the bacteria and diseases that breed in your bins, also there is no disputing that no one likes to go near a trash bin, especially during the hot summer. Manual cleaning of your bins will allow harmful bacteria to flow straight into storm drains, contaminating all bodies of water that it enters, you will also consume more than 15 times more water than a professional high pressure system.

So what does all of that mean to you? Having a professional trash and recycle bin cleaning service is essential.

Experience shows that frequent cleaning is required to reduce the risk of biological infection from waste containers. For that reason, routine maintenance approach to services ensuring that your home is protected from common dangers..

Today there's a way to provide an efficient, easily affordable curb-side trash and recycle bin-cleaning service to your community, protecting them from the hazards of bacterial and fungal infection commonly detected on, in and around un-cleaned bins. Using highly effective ultra-high-pressure trash and recycle bin curb-side cleaning system leaves your dirty smelling bins disinfected, deodorized, and smelling fresh. For all of your needs, simply leave it to the professionals.

Using natural solvents that kill 99% of all known germs, fungi and viruses. Recycling all water and complying with all EPA regulations. 100% environmentally friendly and using fully self-contained cleaning unit that collect all the chemicals and wastewater to avoid urban run-off causing no harm to the storm water system or environment in the manual cleaning does. In addition, all wastewater is disposed of safely at a locally approved treatment facility.