Archive for September, 2009
Reveal Your Natural Beauty Naturally
When you consider it, our skin takes a lot of abuse throughout the seasons. In the summer it is exposed to heat and harmful rays of the sun and in the winter cold dry conditions. Dry irritated skin is most often the result. Although there are a wide variety of moisturizers available today an exotic but effective one is the Morinda Citrifolia seed oil called TAHITIAN NONI® Purified Noni Seed Oil. The early French Polynesians used the seed oil, fruit and leaves extensively for their health and beauty needs. Science has since then shown that the Noni seed oil is high in linoleic acid which is a powerful omega-6 fatty acid.
This patented noni oil can be used topically both for skin and hair. Apply just a few drops of TAHITIAN NONI® Purified Noni Seed Oil to the damaged ends of hair. The noni seed oil also combats a dry irritated scalp.
You can hydrate Hydrate wrinkles by gently dabbing TAHITIAN NONI® Purified Noni Seed Oil or more liberally rubbing it into dry skin areas that tend to get particularly rough such as knees, feet, elbows and calluses. There are as many uses for it as there is dry damaged skin. It has even been used as a luxurious massage oil.
As indicated at the bottom of all our Noni web pages, these statements about TAHITIAN NONI® Purified Noni Seed Oil have not been evaluated by the Food and Drug Administration and these products are not intended to diagnose, treat, cure, or prevent any disease. Our Noni focused website has the details and ordering information.
Tags: art, cat, disease, food, hair, health, skin
Commercial Mortgages for UK Businesses
A commercial mortgage is similar to a residential mortgage in that funds can be borrowed over a long period of time, usually a maximum of 30 years, secured by a first charge on the property being bought.
In taking first charge, the lender is first in the queue to recover any debt if the property ever needs to be sold. This could happen because the mortgagee wishes to move on and sells, or perhaps has defaulted on the repayments causing the lender to foreclose.
If a first charge business mortgage already exists, it is common for different lenders to advance funds secured by way of a second charge which puts that lender as second in the ’security queue’.
Unlike residential mortgages, almost all commercial mortgages are variable rate loans which vary in line with the Base Rate set by the Bank of England’s Monetary Policy Committee. So, if a lender offers terms which include an interest rate of say ‘2% over base’ then a base rate of 4.5% would result in an interest rate of 6.5% being applied to the loan.
Some lenders will link their interest rates to LIBOR, which is the London Inter Bank Offered Rate. LIBOR is published daily in the Financial Times and can be found on a variety of other financial websites.
Commercial Mortgages can be secured against all kinds of freehold or long leasehold properties, such as shops, pubs, care homes, restaurants, office buildings, industrial factory units and more. Applying for a commercial mortgage is very much like that of a residential mortgage except that the maximum that can be borrowed is 60% of the assessed Market Value, although one or two lenders will advancelend up to 75% depending upon the proposal.
These percentages are known as the Loan-to-Value ratio, or LTV. A lower LTV means that the risk to the lender is reduced. The higher the LTV, the greater the risk to the lender and it is likely that a higher interest rate would be charged.
Lenders will not generally advance above 75% LTV to ensure that there would be enough security in the case of a forced sale, perhaps through auction when it is expected that property will sell at a discounted rate. When looking for a commercial mortgage it is advisable to shop around for the best deals and to use a specialist commercial finance broker who will possess the necessary specialist knowledge to advise you accordingly.
Six US Gold Bullion Coins
In the United States, gold coins were first struck at the Philadelphia Mint in 1795. This gold coin production was made possible by the Mint Act of 1792 which authorized the ten dollar Gold Eagle, five dollar Half Eagle and the Quarter Eagle whose denomination you would be correct in assuming to be two dollars and fifty cents. So, you see it took a few years before the gold Half Eagles and Eagles were struck, followed by the $2.50 gold Quarter Eagles in 1796. Gold coins were produced in the U.S. more or less continuously until 1933 at the Philadelphia Mint and also at mints in Dahlonega in Georgia, Charlotte in North Carolina, New Orleans in Louisiana, Carson City in Nevada, San Francisco in California, and in Denver, Colorado.
There are six denominations of the U.S. gold bullion coins that were produced during that period. By face value they are the twenty dollar Double Eagle containing one ounce of pure gold, the ten dollar Eagle with one half ounce of gold, the five dollar Half Eagle, the four dollar gold Stella (for the 5-pointed star on its reverse), the three dollar gold piece, the $2.50 Quarter Eagle, and last but not least the Gold Dollar weighing in at one-tenth of an ounce of pure gold. The Gold Dollar was produced in 3 design types in the years from 1849 to 1889. Type I was struck from 1849 to 1854 and is known as the Liberty Head. Type II is the Small Head Indian Princess and was minted from 1854 to 1856. Then from 1856 until 1889 the Type III Gold Dollar was produced and is called the Large Head Indian Princess.
The gold Quarter Eagle, of denomination $2.50 , was in production from 1796 through 1929. During that time there were eight major Quarter Eagle design types. One of the original authorized gold coins, produced only in 1796, is named for its having ‘No Obverse Stars’. From 1796 to 1807 was the Capped Bust, Stars type. The 1808 gold dollar coin type is called Capped Bust to Left. The years 1821 to 1827 saw the production of the type known as Capped Head to Left, Large Diameter, Stars Around Head. The 1829 to 1834 type is the Capped Head to Left, Smaller Diameter, Stars Around Head. From 1834 to 1839 look for the Classic Head type. The Liberty Head gold dollar was minted from 1840 to 1907. And the Indian Head is the type produced from 1908 to 1929.
The time period when 3-dollar Gold Pieces were produced is 1854 to 1889. The Gold Stellas also were only struck briefly, during 1879 and 1880. The five dollar denomination Half Eagles were minted from 1795 through 1929. Ten dollar Gold Eagles were struck between the years 1795 and 1933. And the period 1849 to 1933 saw the minting of the twenty dollar Gold Double Eagles.