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Understanding the different types of commercial lenders

There are different types of commercial lenders who will loan you money for your projects. The type of lender you use will depend on several factors: property type, LTV, amortization, resource, interest rates, closing time, and other factors.

Let’s take a look at the top commercial lenders on the market.

Led Lenders

These CMBS (Commercial Mortgage Backed Securities) are long-term, fixed-rate financing that is generally permanent and non-recourse.

Portfolio lenders
Banks or Savings and Loans

They have shorter terms (3-5 years) with fixed or variable rates. They are generally for permanent and construction financing and are full recourse.

Credit companies

They offer long or short term financing with a fixed or variable rate. As well as permanent and under construction.

Life companies

These commercial lenders are institutional quality with long-term, fixed-rate financing. Typically, the loans are permanent and non-recourse.

Government sponsored company (GSE)
Fannie Mae / DUS and Freddie Mac

Fannie Mae and Freddie Mac are purchase loans from commercial lenders. Rates for multi-family apartments over 5 years are comparable to CMBS loans, but are properties that would not otherwise qualify.

FHA HUD 223 (f)

FHA loans are backed by the United States government. They offer higher LTVs and better terms and rates on multi-family apartments of 5+ units for properties that would not otherwise qualify.

Small Business Administration (SBA)

Backed by the US government, these are loans for owner-occupied properties greater than 51%.

Non-bank lenders

These types of loans are also known as declared income, low or no doc, private and hard money. These loans are more flexible with quick closings (great if you are struggling with financing). But they also tend to have higher interest rates and participation or back-end fees.

According to the Mortgage Bankers Association of America, about 20% of commercial mortgage loans made in the US are made through conduits, 20% are made with commercial banks, 20% are made to insurance companies. of life, 13% with Fannie Mae and 8% with the FHA. . The top commercial / multifamily creators in 2005 were:

  • Wachovia for commercial banks / savings institutions and conduits
  • Capmark Financial Group for Freddie Mac and FHA / Ginnie Mae
  • MetLife for Life Insurance Companies
  • Deutsche Bank Berkshire for Fannie Mae
  • TIAA-CREF for pension funds
  • Cohen Financial for Business Credit
  • Key bank for REITS, mortgage REITs, mutual funds and other investors
  • Tremont Realty Capital, LLC for specialized finance companies

In general, there are basically two types of commercial lenders on the market: those who keep the loan in balance (portfolio lenders) and those who sell the loan on the secondary market (conduit lenders). The secondary market represents Wall Street funds, also known as commercial mortgage-backed securities (CMBS).

A portfolio lender makes its profit on margin or margin above the interest rate index. A conduit lender makes its profits based on the difference in what the bond can sell on Wall Street and the value of the sum of all the loans in the pool. That’s the main reason conduit lenders can price a commercial home loan more aggressively than a portfolio lender.

So which lender is the best for you?

Well, that depends. It really depends on your project and investment strategy. So ask yourself some questions:

  1. Is this a development project or is it fully developed?
  2. What are your short-term and long-term plans for the property?
  3. What are your interest rate needs?
  4. As you build capital, will you want to refinance?

Portfolio loans have fixed-rate structures, such as full-amortization, no-call, or balloon loans tied to a historically stable long-term index. Portfolio loans can better meet the needs of rehabilitation or development projects.

Conduit loans are good for properties that are stable with good tenants (such as NNN properties). They offer low, fixed rates with long amortization and are without recourse. While both portfolio and conduit lenders may have a period of lock-in and performance maintenance, conduit loans also have cancellation issues if the loan is refinanced. This is because if the loan is rolled over, you are withdrawing the loan from the pool of loans that backs the bond, thus changing the risk structure of the bond. As such, the borrower has to pay for another bond with a similar risk, yield, duration, and payment priority to be placed in place of his loan. The conduits also do not allow secondary financing and have high prepayment penalties. Conduit lenders are not known for being quick, typically taking 4-6 months to close.

Generally, regardless of the size of the loan, the fees to make the loan (closing and third-party costs) are the same for portfolio and conduit lenders.

Because there are so many different factors when looking for a commercial lender, it really pays to have a good commercial mortgage broker on your team, who can give you the knowledge you need to find the best lender for you.

An early look at the Google Pixel 2

The Google Pixel created quite a stir when it launched in 2016.

The phone was heavily promoted and made famous with an advanced camera. Sales have been flat, but they haven’t posed a real threat to industry titans like Apple’s iPhone and Samsung Galaxy.

Some believe that Pixel sales failed to challenge the bigger gamers due to a design that was nothing special and the price was quite high, around $ 650.

Still, many in the industry believe that Google’s attempt to undermine the Android market was a good first step and have high expectations that the tech giant will release a new, improved version sometime this year.

Experts point to Apple and the setbacks and improvements it has made with each and every new phone launch. They expect no less from Google.

What to expect Think about waterproofing first. This is becoming an industry standard, found on Samsung’s iPhone 7 and Galaxy S7. Many believe that the next version of the Pixel will be water and dust resistant. The company didn’t include it in its first model, but it should be a feature when “2” comes out.

Reports indicate that Google wants to improve the camera. Already one of the best smartphone cameras available, the company may be focused on improving low-light performance and adding some new features.

Pixel fans may have to pay more. According to a report by 9to5Google, the price could be higher. Major improvements would have to be necessary to justify a higher price in the market.

By contrast, the same report said that Google is also testing lower-end Pixel devices, perhaps for launch to countries outside of North America. These would have fewer features and a lower price. However, it would make sense if a low-end device were offered in the US that would allow Google to cover more ends of the market.

There could be more energy on the way. A higher powered Snapdragon chip could be used. A Qualcomm Snapdragon 821 was used in the first model. The company is rumored to be testing a Snapdragon 830 and / or 835 processor. Some Intel chips may also be considered.

Pixel has become the staple of all things Android and the first phone had the full release version of Android Nougat. The new version could have Android 0 (8.0) to continue down that path.

The size of the phone matters and little has been said about a Pixel XL 2. While many may have trouble locating an original Pixel XL, it seems Google would want to continue the model, especially with the success of Apple’s larger iPhone 7 Plus. with all its expanded functions.

When can you count on seeing the Pixel 2? Many believe it will arrive this fall, about a year after the original version was released.

It will be interesting to watch how Google plays the launch card, as the new Apple iPhone 8, Samsung Galaxy S8, and LG G6 should be ready to market around the same time.

Fantasy Football Sleepers – Kicker Rankings in Fantasy Football 2009

Kickers are generally selected in the last 2 rounds of Fantasy Football Drafts. Since most Fantasy Football leagues have 12 owners, your goal is to pick one of the top 12 kicker-to-scorers in the league. There are 32 teams in the NFL, so you have a better than even chance of landing one of the top 12 kickers, even in a blind tie. The difference between the best kicker and the 12th ranked kicker is only 2 points per game. Everyone knows Gostkowski et al, but who are the real sleepers? Read on and get some extra points on sleeping kickers.

Sleeper # 1

Rian Lindell of the Buffalo Bills finished the 2008 season as the 11th ranked fantasy producer at his position. However, that happened in a year in which it had one of its worst conversion rates, 79%. Because of this, it will fall into the eyes of most homeowners. When you take a closer look at his stats, you see that he was forced to attempt as many kicks from over 40 yards last year as his previous 2 years combined! This means that with WR Terrell Owens coming to Buffalo versus Lee Evans, more attempts from 25 to 35 yards are almost guaranteed, due to the fact that Buffalo has the 13th easiest schedule for WR. I’m looking for a production in the 138 point range, a steal like his last draft pick.

Sleeper # 2

Garrett Hartley was perfect as a rookie for the New Orleans Saints last year, while playing in just 8 games. In a standard scoring format, he scored 67 points, which extrapolates to 134 points in a full season. Getting more than 8 points from a kicker that you can get in the last round is great value, and you know that Drew Brees, Marques Colston, Devery Henderson, Reggie Bush, and Pierre Thomas are going to move the ball. Kicking a dome doesn’t hurt either, and I expect the second-year kicker to score about 135 points this year.

Every year an owner gets itchy and takes a Gostkowski or Akers with 3-4 rounds to go, and runs a kicker run. DON’T get caught up in this, pick your kicker last and take one of the sleepers mentioned above to produce maximum value. Sure a $ 15 steak dinner is fine, but if you can get a burger for a penny, it sure tastes better.

Staycation: how to become a tourist in your own hometown

1. Take a little time to plan where you want to go.

2. Embrace your own city! If you had family or friends who came to visit, where would you take them to see your city? Find history, go to museums and state parks; Research online possibilities in your unfamiliar city, as well as attractions and destinations within approximately 100 to 150 miles.

3. Rent a car! Even if all you’re doing is going downtown, renting a car makes your vacation feel more real.

4. During the day, make a fun attraction with the kids like bowling, skiing, or the zoo and aquariums! (Kids can’t get enough of these, no matter what city!)

5. At night, go on a date night. You can dine on a lake cruise, a wine tasting tour, a concert, see a play, or even take a scenic train ride that serves dinner (this could be very romantic).

6. Wherever you decide to go, don’t forget to bring your camera. You don’t want to miss out on capturing those special moments!

7. Do you live near a lake? Get your fishing license and take your family fishing, canoeing, paddle boats! You can rent a log cabin cheaper than a hotel and keep it within your stay budget.

8. If you are near the mountains, no matter the season, there is always something to do, from skiing to hiking. You can even find hot springs to soak in in the middle of winter or a river to hang your feet up after an exhilarating whitewater rafting trip.

9. How far are you from the beach? If you are within a 100-150 mile radius, you still have a vacation at home. On the beach, you can spend the day sunbathing, playing miniature golf, water parks, amusement parks; And, if you stay to sleep, you can enjoy the sunset (or sunrise) depending on the coast.

10. What season is it? You can go to local pumpkin patches, apple farms, or even cherry picking! It’s affordable and the fun doesn’t stop when you leave the farm; you can go home and cook many delicacies with the fruits you picked.

As you can see, there are many things to do in your own backyard. A little planning is all it takes to have a lot of fun and become a tourist in your own city! At most apartment complexes, you can go online, and in your selected city, activities such as cycling, hiking, bowling, and more are listed to help you accommodate your vacation plans at home. Many of the apartments even offer a clubhouse with pool tables, large screen televisions, and an outdoor dining area; These amenities help make your Staycation affordable and fun!

Gaming chairs make you a better player

So I went to London for Christmas and New Years this year and man, it was cold! It snowed all the time, so my friend Billy, who I was staying with, had plenty of time to show me his gaming skills. We played a lot of games and he was yelling at me all the time! I hate when that happens! It has all the latest games and an improved Xbox to play them.

Yes, I was impressed. I may be the last gamer in the world to know about them, but the thing that got me buzzing the most was their new gaming chair. I knew about them, but had never seen or used one before. Once I got in, I was hooked! Did my game improve? No! Did I have more fun? Yes! It was amazing – we had hours, no waiting, DAYS of nirvana in the gaming chair!

The boy spends all his time in it. You even sit on it to watch movies on its large 42 “HD screen. However, it didn’t take long on it once I got the gaming chair bug! It’s really contagious. If you’re a gamer and you haven’t bought one yet, you have to get one.

The first thing I did when I got home was to go online and see what was available. There are many different types and they are really affordable if you know where to look.

Computer gaming chairs may be new to the gaming world, but they are a great way to have a better gaming experience. I mean they aren’t magic, they won’t make you a world-class champion player, but they will help you get there if you want to improve, because you won’t want to get out of the gaming chair once you’re at it! Some of these gaming chairs have an amazing built in sound system. The best have wireless streaming, subwoofers with built-in vibration systems, swivel pedestal bases, rocker bases, and connect to most popular consoles, including iPods, TVs, and MP3 players as well. And the best part is, you don’t have to break the bank to get one.

I bought Lumisource – 4.1 Surround Boom Chair, which is the same gaming chair as my friend Billy. They had it special and I got it for less than $ 140.00!

This gaming chair looks super cool, it’s easy on your back and butt, lightweight to move around, and has all the best features packed in for less than half the price of an iPhone!

“The 4.1 armchair has a unique silhouette with speakers aimed directly at the user and from the headrest! The unique features of this chair are sound activated features, an ergonomic design, and two PAIRS of 3-inch internal speakers. Adjustable headrest, breathable mesh and extra lumbar support for added comfort. The 4.1 features adjustable volume and bass / treble along with an attenuation knob that controls which speakers you want the sound to come from, for a personalized sound environment. ” – http://www.lumisource.com/4_1.html

The main features are:

* 2 pairs of 3-inch 2-way speakers.
* Powerful 4-inch subwoofer
* Adjustable volume and bass / treble control
* Adjustable fading between speakers
* Lumbar support / comfort padding
* Adjustable headrest with speakers
* RCA input / output ports

The Gaming Chairs Online site specializes in Lumisource Gaming Chairs only, so you don’t have to crawl the site to find the chair that suits you best. I found it very easy to shop on their site and they did exactly what they said they would do. Five days after I bought it, a UPS truck pulled up in front of my apartment and I amused myself for hours in my quest to yell at Billy the next time I faced him.

Watch out friend!

Tips for decorating your French country kitchen

You look out the small window framed in white and look at the rows of lavender. The gentle rays of the sun rest at the base of the horizon, while the day is delivered to the beginning of the dusk. His hands stay under the lukewarm water as he carefully rinses the last of the ceramic dishes. You shake off the excess water from one of your hands and open the window a little. The smell of fresh late spring air fills the room, followed by a hint of fresh lavender. Even if you don’t reside among the hills of the intimate French countryside, you can certainly feel like you are, with your own French country cuisine.

French country kitchen with its worn rustic look can be the best family gathering place to start the day, take a lunch break, or retire after a long day at work. And there are no better ways to bring the family together than the aroma of delicious cuisine and a unique atmosphere in the French countryside. This is one of the reasons why French country cuisine remains a chef’s dream. So how do you decorate the kitchen of your dreams?

French country cuisine uses a different palette of warm and cool colors. Colors include soft golden yellow, weathered rust, cheerful greens, and cool blues. Some French country kitchens will emphasize warmer colors, while more traditional French country kitchens will emphasize cooler colors. Iron, charcoal, or black can be used as accent colors. Your kitchen color scheme is a great place to start brainstorming.

Natural and handmade accents are important when decorating your kitchen. This helps to give the kitchen an authentic and worn look, which is characteristic of the French country style. Accents can include wooden ceiling beams, plastered painted walls, worn wooden window frames, and unfinished dark wood floors, to name a few. By maintaining a worn look, it will stay true to authentic French country flair.

Rustic French furniture is an important part of French country cuisine. No kitchen would be complete without the wooden island, dining room table, ladder-backed chairs, and a cupboard full of china dishes. If you want to put more emphasis on the worn look of your kitchen, you can buy your furniture used and save extra money. You can also buy new country French furniture that is made to look authentic.

If you follow the tips above and set your imagination free, you can live your dream in your own French country kitchen. Don’t forget the lavender vase.

How to Convert a Right Handed Guitar to a Left Handed Guitar

Would you like to convert a right-handed guitar into a left-handed guitar? This is an easy conversion to do, but you will need to do more than just change the strings. While I think it’s best to buy a quality left-handed guitar, you may have found a right-handed guitar that you really like. Perhaps you are a left-hander who is just starting to play guitar and are not yet ready to make an investment in a left-handed guitar. Most left-handed guitarists and bassists face this dilemma.

When I was learning to play, I didn’t have a lot of money to invest in a high-quality guitar, so I went to the flea market and bought the cheapest guitar I could find, a twenty dollar acoustic. Even with its standard configuration, the action was terrible because the neck was deformed. The strings were not keeping in tune. In short, the guitar sounded like a dying animal. But I turned it into a right-handed guitar by moving the strings. I didn’t bother to change the nut or bridge, and this was part of my problem.

Finally, I swallowed my pride and visited a music store. His luthier looked at him and shook his head. He said it would cost a couple hundred dollars to make it sound really good, but for about forty it could make it useful. I went with the last option. In addition to getting the job done, he explained what needed to be done to turn a right-handed guitar into a left-handed guitar.

This works for acoustic, electric, and electric basses. The materials needed to convert a guitar are new strings, a tuner, and wood glue. You may also need a cap nut, screwdriver, sandpaper, and a truss rod adjuster. A twine winder is also a useful tool.

First you need to remove the old strings. Once the strings have been removed, remove the nut (the little thing on the top of the neck). You may need to pry with a flat screwdriver. Once it’s off, scrape off the crunchy glue with a screwdriver or some sandpaper. Add some new glue to the nut and replace it with its reversed direction. The nut has a groove the size of each string, and if you don’t change it, there will be play on the small strings and the large strings will not seat properly.

If something happens in this step, for example the nut breaks or the angle causes the strings to sit too low on the fretboard, you will need to file your own nut. You can have a guitar shop do this, or you can buy a file and do it yourself. There are many tutorial videos available.

For electric guitars, you may want to reverse the directions of the pickups. To do this, you usually just need to unscrew the bump guard or frames from the truck. Be careful not to lose the springs that allow height adjustment. Once the glue dries, go ahead and install your new strings. To prevent the nut from flying off, do not tighten the strings to full tension until all six strings are in place. Use your tuner to get closer to the correct pitch. Stretch the strings a little while tightening them.

Once installed, play around for a while and give them time to do their best. Once this happens, it’s time to set your intonation. Maybe you are lucky and don’t have to configure it. To check the intonation, compare the pitch of the twelfth fret (octave) with the pitch of a bare string. They should be the same.

On acoustic guitars, you may need to modify the bridge to ensure correct intonation. Sometimes this is just a matter of getting a blank and filing it. If you are converting an expensive guitar (not recommended), take it to a luthier and let him do it.

For electric guitars and basses, this process is much easier. Rope saddles are usually tightened with a Phillips screwdriver. All you need to do is adjust them until the 12th fret and open string pitches match. Always use a tuner for this process and be sure to recheck the open string tuning each time you make a string saddle adjustment.

That covers everything you need to know about converting a right-handed guitar to a left-handed one. For more information on left-handed guitars, check out the resource box below.

Introduction to 3D technology

It seems like everyone is talking about 3D this year, although half of them think 3D is dead before they even start, and the other half know very well that 3D is simply the next step in the evolution of visualization. digital video. In fact, much of the technology that is touted as amazing new 3D has been around for 20 years or more. Let’s take a look at the top 3 types of 3D displays out there so you know what your local electronics store is trying to sell you next time you upgrade your TV.

However, first, what the heck is 3D and why is it so important?

3D is the way the average human sees the world around them, although you should know that not being able to perceive in 3D is actually quite a common disability among many adults. However, assuming you see the world around you in 3D, how can you artificially produce and reproduce something in 3D, like a movie or video game?

Being able to see in 3D means that your vision has a sense of depth, of how far objects are from your eyes. Your brain calculates this automatically by combining the images you get from your left and right eyes, and solving for the small differences that occur when you look at something from a different angle. You can see what I mean by putting a finger in front of your eyes and looking forward. Close one eye, then open it and close the other. Do this quickly and you will see how different each one looks. Your finger is in a completely different place for each eye, but your brain recombines the two and realizes that it means your finger is close to you.

Making a 3D movie is as simple as using two video cameras, which are joined at roughly the same distance as the human eye. Each one takes a slightly different recording, which when played back in the human brain can show you not only the visual scene but also the depth of everything you see. If the movie was animated on a computer, converting it to 3D is easy as it simply involves re-rendering all of the movie data from a slightly different angle. If the movie is shot with 3D in mind from the beginning, as Avatar was, the effects are impressive.

3D games are incredibly easy to do, as all the data needed to find out where each object is in 3D space is saved directly to the computer and can be processed in real time. In fact, many of us played 3D PC games for 10 years, and the technology is exactly like that of many 3D televisions and cinemas today.

Assuming you have some 3D data, be it a movie, computer generated animation, or video game, the problem is how to show it to the viewer. This is the technological aspect that we are going to discuss a bit today.

However, before I explain some of those, let me say that I won’t talk about those tacky red / blue glasses you get with cheap old 3D comics and DVDs as that’s not true 3D and the quality is surprisingly poor. , quite apart. from the fact that everything you see is red and blue.

All of these 3D technologies essentially boil down to how to get that slightly different image for each eye separately, without the other eye seeing it as well. Since normal TVs show the same image to both eyes no matter what you do, 3D is impossible for them. That is why it is absolutely necessary to purchase a new television if you are going to watch any type of 3D material.

But how can we offer a unique image to each eye?

1. Passive polarized glasses:

Polarization means making light beams point in only one direction. Likes usually point us in all different directions. A polarizing filter only lets light pass from one direction. They are generally used in photography to avoid reflections; For example, if you were to try to take a picture of a window, you couldn’t really see the other side as light would bounce off of it and your lens. With a polarizing filter, I would cut it off and be able to see whatever is on the other side of the window.

The unique and useful properties of a polarizing filter mean that by combining 2 filters, we can make a kind of dimmer switch. If you take two pieces of polarizing film (think high school science classes now) and turn them slowly, at one point they will let most of the light through and at another point they will let through zero light. This is because, in the first instance, the direction of the light is aligned by the first filter that the next filter passes through. However, when you turn the second filter, you do it slowly so that the aligned light cannot pass through and reach your eye.

However, in terms of 3D technology, being able to filter particular light beams so that they can or cannot be seen by each eye means that we can deliver a unique image to each eye at the same time. How? We have two images on the television side and each one can be polarized in a different direction. We then add the same filter to a lightweight pair of lenses, and each eye will only see light that is polarized in a particular direction.

This is basically the cheapest method of doing 3D and it is far from perfect. It is used in large 3D cinemas where the quality of the film is not as important as the experience, and it is probably not a full-length film, as in Disney World, for example. The main benefits are that the glasses are lightweight and incredibly cheap to produce, so it doesn’t really matter if people break or “misplace” them.

Several cheaper 3D TVs are being produced for the budget market this year, but I suggest you stay away from them. There is often a lot of blurring between images (so you can see both left and right at the same time), and you really need to be in a dark room to get the best of this type of 3D. Dolby also has a proprietary system that apparently produces better quality than standard filters, and is currently used in several better 3D cinemas.

2. Active LCD shutter glasses:

This is the best quality 3D you can get right now, and anyone who insisted on how good Avatar was has probably gone to see it using this technology. The active LCD shutter means the viewer has to wear some rather bulky glasses – each eye has a separate LCD screen inside it, as well as an infrared signal receiver that connects it to the movie being played. Unlike passive polarization, which only displays both images on the screen at once, active shutter methods display frame after frame, alternating between views intended for the left and right eye. The glasses’ LCD screens turn on and off in sync, blocking one eye and then the other. This turns on and off so fast that your brain simply combines the two images and forgets the other part of the 50% where each eye could not see anything.

The advantage of this method is that the quality is excellent and there is almost no “bleed” from one image to the other. Unfortunately, some people claim that it gives them a headache. In all my years of playing games with NVidia active LCD shutter lenses, I’ve never had a headache, so I suspect the problem is perhaps something you get used to. When the television came out, I suspect that there were similar complaints from a large proportion of the population.

This will be the 3D platform of choice for consumers for many years to come. Yes, the glasses are annoying, but we won’t see everything in 3D either. When I sit in front of my PC to play a 3D game, for example, I hardly notice them. The latest incarnation of NVidia’s LCD shutter glasses is actually quite lightweight, wireless, and recharges from a tiny USB socket. The bulky models you get in high-end 3D cinemas are no longer bulky due to old technology, but simply to make them more wear-resistant and discourage you from taking them home. However, if you’re really against wearing glasses to view 3D content, well, you’re going to be waiting a long time. Which brings us to the third method.

3. Parallax screens:

Parallax 3D displays display 3D content without the use of glasses. Although there are many competing technologies and they are evolving rapidly as we speak, the basic principle is that both images are displayed on the screen, then some kind of filter bounces the images in different directions. When viewed from a certain angle, you see the 3D effect. Most offer a variety of about 6 different angles you can view from, but outside of them you will lose the 3D effect and only see two blurry images.

It’s a relatively new technology, and it was first shown last year with the words Fujifilm’s first consumer 3D camera, which I had a chance to play with. The camera took 3D images and was able to simultaneously preview and play those images on its small screen without 3D glasses on the back. This year, the Nintendo 3DS will use a similar but somewhat refined version of the same technology to bring portable 3D games to the masses.

My experience with Parallax displays has not been that impressive. First of all, keeping your head in a fixed position is just plain annoying. Especially if you are viewing something in 3D, your head has a natural tendency to move and you want to see it from different angles. Also, the depth you can perceive on one of these screens is pretty poor. It doesn’t actually “stick out” at all, even if it looks like it’s 3D. I have yet to see the 3DS though, so I won’t comment on that until it’s available. Either way, this kind of 3D won’t be making its way to large 3D TVs anytime soon, or possibly not at all.

Hope this gives you a little idea of ​​all this new technology. Don’t forget to check out my other technical tutorials.

Bacterial vaginosis diet: foods to eat and avoid with bacterial vaginosis

Bacterial vaginosis is a condition in which the natural environment of the vagina is disturbed as a result of the overgrowth of harmful bacteria that inhabit the vagina. Harmful bacteria multiply rapidly due to various reasons, notably poor hygiene and unhealthy eating habits. When these harmful bacteria multiply and outnumber the good or beneficial bacteria that also live in the vagina, this imbalance triggers the infection.

Some of the symptoms of this disease include grayish-white vaginal discharge that is more obvious after intercourse, a foul fishy smell from the vagina, vaginal itching, and difficulty or pain when urinating. The main cause of this infection is still unknown, but certain factors can increase the risk of this condition, and these include; excessive douching, having multiple sexual partners, having unprotected sex, using IUDs for birth control and vaginal sprays.

Antibiotics are usually prescribed for the treatment of bacterial vaginosis. Conventional treatments using antibiotics can only provide temporary relief, as there is always the possibility that the disease will recur. This could lead you to take more doses of antibiotics that are harmful to the body, as they are likely to cause side effects.

If you are diagnosed with bacterial vaginosis or have any of its symptoms, the most important step toward treating it is modifying your diet. There are certain foods that can help you control the symptoms of bacterial vaginosis.

The following are some foods to eat and avoid to prevent and control your bacterial vaginosis infection:

Food to eat

You must follow a diet rich in fiber. Fresh fruits, vegetables, and whole grains are high in fiber, so eat them regularly. You should also include nutritional supplements like vitamin C in your regular diet to boost your immune system.

Drink lots of water every day. Drink at least 8-10 glasses of water every day. This is necessary so that you are hydrated at all times. Drinking plenty of water will remove all unnecessary fluids from the body and will also aid in the digestion of the extra sugar in the system. This will eliminate an important food source for bad bacteria in the vagina. Also, try to drink a lot of cranberry juice. It contains a high level of acid that inhibits the growth of harmful bacteria in the vagina.

Foods to Avoid

Eating some foods can increase the risk of contracting the disease or aggravate the symptoms of an existing infection. Stop eating foods that are high in glucose and sugar, such as white bread. This type of food is a source of nutrients for the bad bacteria in the vagina. Therefore, you should avoid them in your diet. Instead, opt for whole wheat bread that is lower in glucose and sugar.

Avoid salt or reduce excessive salt intake in your diet. Too much salt in the body can cause water retention and can also increase the risk of urinary tract infection.

Sex, lies, affairs and breakups: why they aren’t worth it

This is a topic that is sure to inspire some pretty emotional opinions. Today we live in a very transitory, materialistic and superficial world. It seems that the issues involved in people’s romantic lives sometimes get so twisted that it’s basically normal now to hear that people cheat on their partners (could that ever be ‘normal’?) And that people break up with each other . It is very sad and sadder for children who, by default, are involved in the equation.

I have often wondered if there are people who seek “happiness” in the arms of another person, that is, not their partner, and who end up being happy. My experience tells me no. My experience is also somewhat confirmed by some thoughts in the book. Save your marriage before it begins[1] (SYMBIS).

What about the pathology of affairs as well? How are people tempted and attracted to in the first place? It certainly must start with attraction and then encouragement, and perhaps all of that increases with dissatisfaction in the current situation. We can easily see how these things can happen. In fact, the book Your needs, your needs[2] It describes these same scenarios, what leads us to them (insofar as our love doesn’t need to be satisfied), and how to make them clear.

Let’s go back to what SYMBIS says. There is the premise that our identities perfectly match our marital relationships.

“As human beings, we create and define ourselves through commitments, and those commitments become an integral part of our identity. When we contradict our commitments, we lose ourselves and suffer an identity crisis,” he says.[3]

In other words, we invest a lot of our personal selves in a de facto marriage or relationship. When we bring another party into the mix, we disrupt the balance of our souls.

And when we separate, especially if it is by virtue of our own choice, we voluntarily establish a possible disenfranchisement of our identities: we end up with an identity crisis; the action we have taken is often not consistent with who we are and the commitments we have made. It is like throwing the baby out with the bath water. We cannot be ourselves if we discard a key part of ourselves: life does not allow us to be so frivolous on the level of these things.

I am sure there are many exceptions to this, but there is also some truth in the fact that while the other partner mourns the broken relationship, the one who commits adultery mourns the loss or lack of personal identity. In fact, they are both suffering from identity problems.

The real problem is this. If we select for ourselves a companion who is right for us, and to use a Jim Collins analogy ‘it’s the right bus for us’, then why wouldn’t we strive to continue to invest, rekindle, rekindle and reinvent things throughout the years of our life together? (I guess there are some oversimplifications to this argument.) But starting over is soul-destroying (if that were possible).

And that’s the key: the selection. Many people don’t make the right decisions to begin with. We are all fallen creatures with many flaws. The slightest error of judgment in selection can cause a lifetime of pain (not for one, but it seems like for both).

Sex, lies, love affairs, and breakups … for the most part are never good and only cause harm. Breaking a betrothal with a spouse in this way is, in a sense, “breaking who you are.”[4] Really worth it?

© SJ Wickham, 2009.

NOTES:

[1] Les and Leslie Parrot, Save your marriage before it begins (Grand Rapids, Michigan: Zondervan, 1995, 2006), p. 56.

[2] Willard F. Harley, Your Needs, Your Needs: Building an Adventure-Proof Marriage (Grand Rapids, Michigan: Revell / Baker Book House Co., 1986, 1994, 2001).

[3] Parrot, ibid, p. 56.

[4] Parrot, ibid, p. 56.