By eating right for your type and only working out 15-18 minutes 2 times a week, you will lose up to 30 pounds in 6 weeks…Somehow it is eating "wrong" for your type that is the source of all of your weight loss problems. The research in support of losing weight based on eating for your, "food type" is less than solid.Even more important, the idea that you can only workout two times a week for only 15-18 minutes and lose this amount of weight simply defies all logic.
The fact that you have an eating plan and recipes is great. However, although there are schools of thought that say different body types metabolize food differently, it is most likely the reason for anyone's success on the program is based the fact that his plans for all types involve eating less calories than your taking in.
On a positive note, lots of diet plans do not come with recipes, so this is a nice detail. And eating right for your type might make you feel better and allow you to stick to a plan a little easier.
-He claims that because the workouts are "targeted" that just 15-18 minutes, twice a week, is all it takes to begin to reshape all your problems areas.
By doing only those body sculpting exercises that are right for you, you can stop killing yourself in the gym, start working out less, and get the results that you desire.
Grrr. I smell a cat…er, a rat.
I am sorry to be the one to tell you this, but if you are thirty pounds overweight and you want to get in shape, working out for 15 minutes twice a week will not get you to where you want to go. Not in 6 weeks. Not in 16.
So What Can You Do to Lose Weight Fast?
You must workout thirty minutes per day, minimum, and you must add cardio to your daily 'diet' of exercise. Weight training is both great and necessary, but it will not do it all. If you are overweight, you must get moving-any cardiovascular exercise will do the trick, at first. I suggest you save your money and invest in a good pair of running shoes and some hand weights. But either way, eating healthy and working out are the only ways to get that better body in 6 weeks.
There is a great alternative to "The 6 Week Body Makeover" that my pack loves. Unlike Thurmand's program it does not exaggerate the benefits. It's a 100% free report I've put together that teaches you several proven methods to lose weight. In the Health Hound's opinion, I would say that it's a no-brainer not to at least give this free report a try.
Save Your Money! Download the Health Hound's FREE Weight Loss Report!
My 100% no-bull report "The Health Hound's Fast, Safe, & Effective Way To Lose Weight Quickly!" has been downloaded over 137,782 times and has the simple action steps anyone can take to lose weight fast. All I ask in return is that you check out my free newsletter (you can unsubscribe any time!) that contains periodic health and weight loss tips and scam alerts delivered right to your inbox. You owe it to yourself to check this out!
Next articleWill You Really Lose Weight if you Switch to the Skinny Switch?
I have tried so many diets, you name it, i've tried it. The six week body make over is incredible. I lost 12lbs the first week. I was on two blood pressure medications and was told that i was a border line diabetic. Thanks to the Six Week Body Makeover I'm no longer at risk of having diabetes and I'm down to only one blood pressure pill. My doctor told me if i continue to stick to this program i will no longer have to take any pills. I have lost 30 pounds in 3 weeks. Thank you, Michael Thurmond.
I have been on a starvation diet (not an eating disorder just being a little hungry all the time) and it has so far been the only thing that has worked for me. When I stop being hungry guess what happens. I ordered the plan and Im both excited to not feel hungry but unsure if it is really possible.?
I love this program!! Because it is customizable and teaches us how to eat as we are supposed to …. your body needs food to function and not only 3 meals per day .. they are balanced and are foods that work together .. if you have any basic nutrition knowledge and how your body digested protein, carbs and fats .. you realize how "obvious" it is.. that this is how it should be…. common sense eating!!! While Michael's way boosts metabolism and keeps it boosted .. No, you don't HAVE to work out, but it can only make things easier at the end of the day. As your body realizes that it is being fed constantly it will let go of all the unwanted, "unnecessary" fat reserves. Please don't bash a program on the assumption that you know all!! Or better yet because you are trying to market your own. This is the ABSOLUTE best program I have ever done and been successful with!! And you really can't call it a diet … it is not!!
I did this program in the early stages (i.e. before T.V.). I met with Michael and he introduced me to a wonder personal trainer. My problem is I hate to eat; this program forced me to eat and I had a workout "partner". I love to work out, but no matter how much or how often I workout, if I don't eat I gain weight. This program, at the time, was the best! I was back to better than competition shape (I am a former gymnast). Now, I find it difficult to follow because I don't have someone to "answer to". I do the workout, but I am back to the non-eating thing. If you're on it, keep it up; if you're considering it, DO IT you won't be sorry.
My wife and I purchased the Michael Thurmond Six Week Makeover and was overwhelmed, so we ditched the thought. A year later, we got the guts up and tried it. IT WAS AMAZING! I lost around 40 pounds, 5 pants sizes. My wife lost 29 pounds and 8 sizes. We maintained the lifestyle and basically do 4 weeks a year to revitalize the metabolism. We followed the plan exactly with no slips and we answered the testing questions honestly. In this program, what you put in, you will get out. Only drink water, no salts, all natural foods and even organics. This plan makes us understand that the chemicals and fillers placed in the food are the real issues. Plus, the amount of salt in our foods are beyond dangerous levels. Instead of arguing the diet, shouldn't we be rising up against the FDA and our food manufacturers?
Michael Thurman's weight loss program does work if you can keep it up. I work full time in sales and have 4 kids who are active in sports etc. It's hard for me to eat so many times a day and to plan/pack for all of the meals. I have a hard time finding the time to shop, prepare, cook, store etc. I was referred to his program by a personal trainer who said it's the best around. It definitely works, but you have to be very organized and like to do things way ahead of time.
WARNING: DO NOT I REPEAT DO NOT purchase this product!!!! First off if you have any issues and try to call you will wait on the line for at least 30 minutes before you even talk to anyone. Then as the months passes by be sure to continually check your bank statement! This company steels and scans money from you! They charged me for different charges totally over 180 that were not for the program! They will not give the money back that they took out of your account so BEWARE! Now I never complain about anything and this is the first time I have been so enraged at a company that I wanted to let other people know. This is a very unprofessional company and scam artists. I wish I had never heard about this company nor ever logged onto their site. It was the worst mistake of my life!!!
I am usually up during the night because I work at night and tonight I just happened to be flipping through the channels and I saw this infommercial for the 6 week body makeover and was a little more than intrigued. I watched for about 10 minutes and then went to the computer and purchased it, with no add-ons (which in the commercial they make it look like it comes with all of that), and as soon as I clicked the submit button, I felt hugely apprehensive!
I am somewhat relieved to see so many reviews but there are many differing opinions about this product. I am not quite sure who to believe but I am locked in at this point, so when my box comes I will give it all I got for at least 6 weeks and we'll see how it goes. :-/ I will try and post again when I have tried it and get my results, whatever those might be!
I cannot wait to hear about your results, I purchased SWBM back in March did it for a month and lost 25lbs!! I have 100lbs to lose but that is such a great start. I feel off the diet and only gained about 10lbs back; 10lbs dont sound back when you seen how badly Ive been eating while off of it. Im starting back on Monday Oct 17th, Im currently re-reading the materials and getting all the work out stuff unpack (just moved). I wish you the best luck!! I think you will be surprised how it actually works, I personally felt better after the first day, Maybe it was because my blood sugar was normal and I had massively lessen my salt intake, whatever it was I felt great the first night.
Congratulations on starting the program again. Beings that you have done the program before, you know it CAN be a HUGE success! It is very structured and very hard to stay committed but I am finishing my 3rd week of the 6wbmo and have lost 18lbs already. Good Luck to you on and hope your first week back hasn't been to hard!
I feel the same way. I'm a little sceptical now, want to order and uses this program but reading the stories not quit sure If I'll be satisfied. I'm a gym person and love to exercise no matter I'm on diet or not.
a friend purchased this program for me 6 years ago. i lost 6 # the very first week with NO exercise. only because the doctor said lose a little weight loss first, BEFORE engaging in exercise, then the exercise wont be so hard or taxing. after 12 weeks i lost 30 # and never did get the exercises in mostly because i was working full time & busy taking care of a 10 months old. now, 6 years later, my company has implemented a 8-wk biggest loser competition. 32 of us have signed up. we aren't allowed to discuss our # or % losses. so far, only 3 weeks into the program, i've dropped 15.5 #. no hunger. no weakness. i'm not trying to re-do my body in 6 weeks..just drop the weight. and i eat 5-6 times a day minus all salt, plus chug the water. i've had to modify my beverage from coffee w/ cream to black and now i dont miss the creamer. its really remarkable how easy it is to lose the unwanted pounds when you delete the white foods (potatoes, grits, flour, sugar) etc. make no mistake i love chocolate like no one else. and one day on the weekend i can choose which no-can-have-during-the-week item and indulge. for me, its one glass of wine or one piece of chocolate. this does not deter my weight loss. and knowing i can have that one special something come saturday or sunday, allows me to stay on the plan. nothing else has worked..weight watchers, slim fast, dexatrim, jenny craig, etc. yes. i've tried them all. only THIS plan has worked. and you can go online and select scores of cool recipes that meet your tastes. instead of butter or margarine, use the I CAN'T BELIEVE ITS NOT BUTTER SPRAY. great taste and zero calories! i can even go to Longhorn Steak House and order a salad with dressing on the side (just dip your forrk in the dressing for a touch of taste), 7 oz filet mignon & a sweet tater without the sugar. still on plan. that extra 4 oz of protein isn't going to sway your results. i'll stay on this plan this time (even after the competition is over) until i've dropped to the desired weight. its practically effortless. the only "work" is meal preparation. not a real biggy. you've gotta cook anyway, just cool a little more for the next day's meals. pretty simple. i highly highly highly recommend to anyone apprehensive about utilizing this program to just give it a shot. your first week's results alone, should give you all the incentive you could need to stick with it!!
Hi Rachel, has you received your program and have you started it? If yes, how is it working out for you?
I purchased the 6 week body makeover and couldn't believe the results. After 3 weeks on this program, friends started commenting how good I looked. I noticed real results all over my body and couldn't believe what I had accomplished in such a sort time. This program does work, and yes, the grocery store bill did increase but the weight was coming off on my toned body.
I tried the 6WBM program years ago, I was desperate to lose weight. I too had great success with this program!
I ate according to my body type (in my case "E"), drank 100 oz. of water a day and WALKED on a treadmill for 45 minutes, 3 times a week. I lost 3 lbs solid EVERY week for 6 weeks! I lost a total of 18 lbs in 6 weeks, I'm not kidding!
The only thing that was hard for me was eating protein at every meal/snack, I'm not a big fan of meat all the time. And also, I was a little concerned about completely cutting out dairy (because of calcium deficiency, etc) I've always heard cutting out whole food groups isn't really a good thing to do, so is this healthy?
But overall, I was very satisfied with the program and results, but remember, you DO have to continue this healthy lifestyle to MAINTAIN it!
I just wanted to say that you shouldn't knock something before you try it yourself. I am 3 weeks into my 6 week body makeover and I have lost 18lbs and my body has done an amazing transformation! SO IT DOES WORK! I have walked 3 times a week along with the two 18minutes sculpting exercise's to get these results and the walking was because I did that before starting the diet. I'm sure that your plan has had some success but proper etiquette in promoting is not to smash someone else! I only have 10 lbs to go and I will be another one of his success stories! I know that most diets work, but it is what fits for each person that helps people lose weight!
Thanks Tonya for sharing & for stressing the program works. I'm looking to commit. I need to lose 40 – 50lbs. I started working out hard & long & did weight watchers, but the scale doesn't / didn't move in my favor. It's been a year since WW and I've gained 10 of the 20lbs back..I did Insanity recently & started to tone up but, I want soooo bad for the scale to mOve below 200. Can you please share a little more to help me decide to order the program. Also, I have a coworker who confided he lost 100 lbs in 6mths doing the makeover. Thanks.
just spoke with Customer service from 6WBM and wanted to see people's rating, what others say about this weight lost program. I've seen TV commercial, magazine commercial and all kind of money making "marathons" for this particular program. I did Atkins diet few years ago and it really works. But that's very individual, just like any other diet. Anyway, I have to have non sugar coffee with cream and I have to have natural calcium sources food almost every day. I can't live without fruit also. Other things I don't really care. The only concern I have is that do I have to give up my favorite products I just mentioned above? I didn't ask about this to sales person when I called. I'm sure she would say "No". So I rather to read recommendations and responses from the people who actually used this program.
I did SWBM about 6 or 7 years ago, it was the catalyst to my weight loss, after 6 weeks in which I lost about 15 lbs, I took up running and lost about another 10. I was cranky as all get out on the diet, BUT it worked. I am about 7 years out from when I started it, I have had a pregnancy in there (baby number 3) and I still run. It reset my life style, I am thinking of doing it again to loose the 10 lbs. of baby weight I have, but I am still about 15lbs less than before I did the program in the first place. I am a believer.
Obviously, I have my doubts here. I do have to admit, I kinda agree with Hound a bit. If the 6WBM program is limiting your calorie count and doing some light exercise, I can see why some folks are seeing results of the product.
I am not trying to knock the program, but it does sound like the facts of a drastic lowered calorie count and based on responses, maybe a metabolism jump seems to be the point of the program.
Hi, I was 1/2 awake this morning and heard the informercial on TV. I like what I heard so I decided to find some reviews and this site has been very helpful. My problem is I'm a Black woman who is unable to exercise rigoursly because of my hair texture. As you may or may not know, black women can not wash their hair daily and when it sweats it is a wreck! So a lot of us do not exercise and therefore are unhealthy due to our hair, unfortunately. So hearing I can walk for 30 min a few times a week, resistance train for 2 days a week, and modify my eating was/is music to my ears.
I am an active individual who does not have an issue with exercise. At this current stage I need effective exercises and it sounds like I can get that with this program. I am willing to give it a shot. If there are others out there like me, let me know how you have done on the program.
TM from Jersey, just wanted you to know that I lost 20 lbs in less than 2 months with NO exercise on Michael Thurmonds 6 week Body Makeover. And I was barely trying. I had never been on a diet before . I really don't consider it a diet but a lifestyle change.And that is what it ultimately takes to lose weight. All I did was eat right according to his plan for my body type and IT WORKED ! I DON'T CARE WHAT ANYONE SAYS ! And you won't know til you try it .Those that say it did not work probably did not go by the meal plan at all. It all makes logical sense. You eat more times a day but smaller portions without all the sugar and salt. After a few days without sugar and salt you begin to taste it naturally in the healthy foods that you eat. I say go for it ! And blessings to you !
I just want to say you don't have all the facts. The program doesn't say you can only exercise twice per week…is says with as little as twice per week you can see results.
This is by far the best program I have been on. I don't see this is a diet I see this as a lifetime eating plan. I have never felt so good. Lots of energy, skin is clearer, digestive system much better and yes weight loss to boot.
I lost 24 pounds in first 6 weeks without being deprived. Although, I did discover I plateau every 2-3 weeks so I just incorporate something 'off plan" like bread or cheese into one meal and that seems to get me going again without gaining any weight.
The plan is logical and all the health experts have beening saying this for years… eat natural foods…cut out sugar, salt, excess oil, dairy and wheat. I thought I'd miss these things, but for the first time I don't.
Yes, I do exercise 4-5 times week for about 30 minutes, and I know this has a lot do with the change the as well, but seeing scale move and feeling better is best results I could ask for.
So I say, my hats off to Michael Thurmond for getting me to think about what I put in my mouth and helping me to make healthier choices. It was worth every penny!
37 and i've been on many 'diets'…some worked, some didn't….the last thing i did was follow docs orders and dropped 60lbs in 9 months…yes, it came off slow but in my opinion, safely. i did gain a good chunk of it back and am now working my way back down doing the same thing i did the first time…EAT LIKE I GOT SOME SENSE! i didn't starve myself and the first time i didn't exercise at all. and i don't believe in plateaus either. the reason why we stop losing is b/c calorie intake not only depends on how many you're burning if you exercise but by how much you weigh and the less you weigh the less you need. drop 20lbs and you'll need to take in less than you did when you were 20lbs heavier.
i have a problem with this 6 week makeover thing as with any advertised weightloss program. if it's that beneficial it shouldn't cost much money if any at all b/c to me the ultimate goal is to be at a safe/healthier weight and should be eating healthy food anyway. weightloss is always great but are any of these people eating horrible foods loaded with sodium/sugar/etc?? that was one of my problem with the frozen food that came in the mail…sodium! anyway, the other thing is if it worked that well, then a whole lot more people would be using it. this program isn't new yet i don't know a single person that's used it or a person that even knows another person that's done it. my other problem is since it gives you meal plans/recipes, how does that work for vegans? JC (or was it WW) had a vegetarian plan but the bulk of it was salad and mac and cheese…i may be vegan but i certainly don't eat a bunch of 'rabbit food'. just my $.02.
I recently ordered the SWBM and must admit I'm both excited and nervous. I've been pouring through the reviews and have mixed emotions. I love fruit and don't need salt in my diet anyway. I'm willing to make sacrafices in the pusuit of looking and feeling better. I've been there and done that when it comes to diets. However, I'm ready to commit and follow through with this program. will update at a later time.
Hi. I'm going to download ur report but its really exciting to hear about everyone's results I'm about 100lbs over weight I've always struggled w my weight when I was younger and now I have 2 children and I want to be a good example for them. I had lost 46 lbs on on the metabolic weight loss plan but it was so expensive it worked great but I couldn't stick w it forever. So I'm really hoping that ur report will help me and I plan to order the 6wbm with all the great reviews I believe it will fit with my schedule.
I lost 71 pounds in 12 weeks 2 days. How did I do it? Simple. I stopped drinking soda (coke) and drank H2O (water). Is that all I did? YES!! I traded drink for drink. I used to grab a 16 oz bottle of coke as soon as I got up in the morning. Switched: I drank 16 oz of water instead. I'd have another 2-3 bottles of coke or pepsi before leaving the house. I'd stop at the store and grab another 20 oz bottle of soda before going to eat breakfast. (switched to 20 oz bottle of water) at the restaurant, I'd order a glass of soda, order my food, drink the soda get another to drink with my food. (again drank water instead of coke) Get a go cup of soda (water). go to work, drink 1-2 more bottles of soda before lunch. (water). Go to lunch, where I would order a foot long sub, chips/cookies medium coke/pepsi (22oz) drink 2-3 cups of said soda, eat sub and cookies or chips leave with another medium cup of soda. (after the first couple days of drinking the water, I could only eat a 6 inch sub, no chips or cookies.) by the end of 1 week, I was ordering a 3 inch sub and 2-3 medium cups of water. See where I'm going with this? (A greasy hamburger and fries do not taste good with water. you NEED soda to get rid of that greasy taste.) I'd drink another 2-3 bottles of soda that I switched to WATER. It only took a few days of this switch to get it down to a science. No matter what, I drank as much water as I had been drinking of the soda. Go to an "all you can eat buffet"? I drank anywhere from 2-5 glasses of soda with my 2-3 plates full of food. When I switched to H2O, I found all I wanted was 1 plate of my favorite food. When someone would ask me if that was all I was going to get, I'd say no, but this is what I want right now. I'd just never felt like going back for that next plate of food. I realized I had been drinking as much as 3 gallons of soda a day. that with all the food I ate, maintained my weight. Remember, I switched glass for glass, soda to water I was now drinking 2-3 gallons of water daily. (I didn't notice that I had lost weight till my son told me an outfit I had worn 1 week before looked "stupid" on me. I went and looked in the mirror and sure enough, you could have put 2 of me in the outfit.) I Had a size 24 jacket that had fit me. I put it on and it just hung on me. I jokingly told my 17 year old gymnastic son to get in the jacket with me, he did and we could zip it up!! Talk about AMAZING!! I went to a local dress shop (Cato's) and tried on a beautiful white crushed crepe dress, I bought that and a pair of red high heels.I was a knockout!! I had gone from a size 24/26 to a 16 in just 93 days. From a 44DD bra to a 36DD. I felt great and got so many compliments. I didn't switch from soda to water to loose weight, but that was a wonderful bonus that God gave me. I switched because my doctor told me she considered me just as much a diabetic as if I was an insulin dependent diabetic. 4 months after loosing the weight, I went to my oldest grandson's first birthday party at McDonalds in Orlando FL. My daughter in law had only known me as over 220 lbs. She didn't recognize me at first, ( I kept getting in her way when she tried to go around me) All of a sudden, she looked me in the face, she was speechless for about 10 seconds than she started screaming. Everyone in the place just looked to see what was going on and my family came running and hugging me. I had been over 220 pounds for about 15 years. I'm telling you this hoping it will give me the incentive to go back to drinking water. I no longer drink soda, but sweet tea. I am 61 years old and currently 304 pounds. My name is Darlene DeVore. I have 4 wonderful sons and 12 beautiful grandchildren. I want to be around to have great grandchildren and see them grown. I know that if I don't loose at least 180 pounds, I don't believe I'll be there for them. My weight when I lost the 71 pounds, was 258 pounds. Now I have to lose almost 60% of my body weight. I haven't weighed 121 pounds since I was about 16 years old. I'm only 5'3″. Oh, by the way, when one drinks lots of water it will literally wash the fat out of their body. Granted, I was 46 when I lost the weight I kept it off for 5 years. I went back on soda and the weight came back with a vengeance. It took 12 weeks to take off 71 pounds and 12 years to put on that 71 and another 56 pounds. I'm not looking to take it off overnight, but I'm believing for 5 pounds a week average, that means about 36 weeks.
Darlene – I applaud the fact that you were able to stop your soda addiction and to lose so much weight, but I was shocked to read about how much soda you used to drink. I thought I was bad, but I only drink three cans a day, at the most. It is no surprise that you were able to lose so much weight in such a short amount of time, because you had a drastic drop in calories. So, you don't lose the "taste" for soda, after switching to water? I hope you were able to find the motivation needed to return to substituting water for soda. Good luck!
This is a scam. They charged me for items I didn't want. Called customer service within 1 minute of placing the order because items were included that I didn't want and the address was incorrect. The gentleman said he could help. I asked to be transferred to a supervisor, he refused and hung up. I called back and talked to a different customer service representative.
I was informed that she couldn't help me, because they didn't see the order number for 24 hours. The same reason the first customer service representative gave me. However, the second customer service individual, Mikea, assured me that they could address the problem if I called back after 7:00 am PST the next day. I pleaded to talk to have my call transferred to a supervisor and she refused also.
I called at 7:04 the next day and the customer service individual said he couldn't help me.
I wouldn't have mind paying the $120.00 for the program, but I was charged $300.00.
Do not order this product online! It is a scam and the customer service will not help you if there is a problem.
I was on the program to the letter for 2 weeks. Nothing. I cooked the way I wanted (like adding the oil and salt. No oil? Really? Saltless fish or rice? Who does that?) and lose 20 pounds in 4 weeks. So the depriving yourself of salt and oil isn't the case. Think about it, way back in the day back in Bible times, they ate salt and oil all the time, and most of them weren't overweight. So it just goes back to portion control, portion control, portion control, eating small meals often, doing cardio often, and weight/resistance training, which you don't need to pay $100 to realize.
6 Week Body Makeover does work. It's a great guide to help you lose weight if you have a hard time knowing what to do. Doing this diet I lost over 100 lbs in 6 months and I didn't even follow it exact. There were many days I lost 2 lbs. My body was so use to getting thousands of calories a day and when I ate the food suggested it cut the calories down tremendously while filling me up.
If you extremely overweight and needs something to organize you weight loss, then the 6 Week Body Makeover will be for you. It worked for me, my brother in-law and my mother in-law.
Well, I see more pro's than con's! I just received the 6wbm and am very excited to start it tomorrow. They did promise me to upgrade the delivery to express delivery which still took 11 days but, I am not doubting it is still a good program. I do think it is logical that everyone metabolizes food differently so no "ONE DIET" will work for everyone the same way. It makes total sense to me that each body type needs a different type of eating regimine. I began preparing my foods today to last for a few days to get a jump start for the week. I consider tomorrow to be the 1st day of the "new me" and I can't wait to re-post my progress in 6 weeks. Wish me luck but prayers are more appreciated!
I have used this program and it definitely works I tried it originally about 9years ago and reached my goal. I used to exercise. About 60 minutes for lseveral months and was able to loose 15 lbs in over six months. But then I stopped loosing without any diet. Once I started this diet with in six weeks I lost the remaining 22 pounds. I could not have reached my goal without this diet. it also makes sense from medical stand point as well. My wife used the same program and was able to loose about 40 pounds. It is a difficult diet to stick toeventhough I have maintained my weight in reasonable limit. This year I gained some weight so we purchased the program again and this will work. It is definitely worth doing and if one can stick to the plan it will work.


text:
Role of Oct4 in maintaining and regaining stem cell pluripotency
Guilai Shi, Ying Jin
Stem Cell Research & Therapy 2010, 1 (5): 39
Pluripotency, a characteristic of cells in the inner cell mass of the mammalian preimplantation blastocyst as well as of embryonic stem cells, is defined as the ability of a cell to generate all of the cell types of an organism. A group of transcription factors is essential for the establishment and maintenance of the pluripotent state. Recent studies have demonstrated that differentiated somatic cells could be reverted to a pluripotent state by the overexpression of a set of transcription factors, further highlighting the significance of transcription factors in the control of pluripotency. Among these factors, a member of the POU transcription factor family, Oct4, is central to the machinery governing pluripotency. Oct4 is highly expressed in pluripotent cells and becomes silenced upon differentiation. Interestingly, the precise expression level of Oct4 determines the fate of embryonic stem cells. Therefore, to control the expression of Oct4 precisely, a variety of regulators function at multiple levels, including transcription, translation of mRNA and post-translational modification. Additionally, in cooperation with Sox2, Nanog and other members of the core transcriptional regulatory circuitry, Oct4 activates both protein-coding genes and noncoding RNAs necessary for pluripotency. Simultaneously, in association with transcriptional repressive complexes, Oct4 represses another set of targets involved in developmental processes. Importantly, Oct4 can re-establish pluripotency in somatic cells, and proper reprogramming of Oct4 expression is indispensable for deriving genuine induced pluripotent stem cell lines. In the past several years, genome-wide identification of Oct4 target genes and Oct4-centered protein interactomes has been reported, indicating that Oct4 exerts tight control over pluripotency regulator expression and protects embryonic stem cells in an undifferentiated state. Nevertheless, further investigation is required to fully elucidate the underlying molecular mechanisms through which Oct4 maintains and reinitiates pluripotency. Systemic and dynamic exploration of the protein complexes and target genes associated with Oct4 will help to elucidate the role of Oct4 more comprehensively.
Conserved long noncoding RNAs transcriptionally regulated by Oct4 and Nanog modulate pluripotency in mouse embryonic stem cells. Jameelah Sheik Mohamed, Philip Michael Gaughwin, Bing Lim, Paul Robson, Leonard Lipovich RNA 2010, 16 (2): 324-37
Analysis of Oct4-dependent transcriptional networks regulating self-renewal and pluripotency in human embryonic stem cells. Yasmin Babaie, Ralf Herwig, Boris Greber, Thore C Brink, Wasco Wruck, Detlef Groth, Hans Lehrach, Tom Burdon, James Adjaye Stem Cells 2007, 25 (2): 500-10
Genome-wide analysis reveals Sall4 to be a major regulator of pluripotency in murine-embryonic stem cells. Jianchang Yang, Li Chai, Taylor C Fowles, Zaida Alipio, Dan Xu, Louis M Fink, David C Ward, Yupo Ma Proceedings of the National Academy of Sciences of the United States of America 2008 December 16, 105 (50): 19756-61
Reptin regulates pluripotency of embryonic stem cells and somatic cell reprogramming through Oct4-dependent mechanism. Eun Kyoung Do, Hyo Cheon Cheon, Il Ho Jang, Eun Jung Choi, Soon Chul Heo, Kyung Taek Kang, Kwang Hee Bae, Yee Sook Cho, Jeong Kon Seo, Jong Hyuk Yoon, Taehoon G Lee, Jae Ho Kim Stem Cells 2014, 32 (12): 3126-36
A novel SALL4/OCT4 transcriptional feedback network for pluripotency of embryonic stem cells. Jianchang Yang, Chong Gao, Li Chai, Yupo Ma PloS One 2010 May 21, 5 (5): e10766
OCT4: dynamic DNA binding pioneers stem cell pluripotency. Stepan Jerabek, Felipe Merino, Hans Robert Schöler, Vlad Cojocaru Biochimica et Biophysica Acta 2014, 1839 (3): 138-54
In silico identification of a core regulatory network of OCT4 in human embryonic stem cells using an integrated approach. Lukas Chavez, Abha S Bais, Martin Vingron, Hans Lehrach, James Adjaye, Ralf Herwig BMC Genomics 2009, 10: 314
Regulation of stem cell pluripotency and differentiation involves a mutual regulatory circuit of the NANOG, OCT4, and SOX2 pluripotency transcription factors with polycomb repressive complexes and stem cell microRNAs. Vasundhra Kashyap, Naira C Rezende, Kymora B Scotland, Sebastian M Shaffer, Jenny Liao Persson, Lorraine J Gudas, Nigel P Mongan Stem Cells and Development 2009, 18 (7): 1093-108
O-GlcNAc regulates pluripotency and reprogramming by directly acting on core components of the pluripotency network. Hyonchol Jang, Tae Wan Kim, Sungho Yoon, Soo-Youn Choi, Tae-Wook Kang, Seon-Young Kim, Yoo-Wook Kwon, Eun-Jung Cho, Hong-Duk Youn Cell Stem Cell 2012 July 6, 11 (1): 62-74
A unique Oct4 interface is crucial for reprogramming to pluripotency. Daniel Esch, Juha Vahokoski, Matthew R Groves, Vivian Pogenberg, Vlad Cojocaru, Hermann Vom Bruch, Dong Han, Hannes C A Drexler, Marcos J Araúzo-Bravo, Calista K L Ng, Ralf Jauch, Matthias Wilmanns, Hans R Schöler Nature Cell Biology 2013, 15 (3): 295-301

redpajama_set_name: RedPajamaCommonCrawl


Well, if the semester didn't start already, it definitely did last week. With Graduate work being a little more time consuming than Undergrad, I've been trying to stay on top of it the best I can; and what I mean by that is, doing papers months in advance so I have time to do the bigger projects. However, it's made me more confident in my work and I'm able to take a little more time doing it than I would have normally. I've also started to ask other people to read my work because if it doesn't make sense to them, my professor is going to rip it to shreds. A lot of other things going on, too. Rock the Vote kicks off tonight, (yet another) shameless self promotion here; come down and see Bruce Altschuler speak about Campaign Finance as well as answering any questions about the voting process! This project has been a really good experience and is getting recognized by a lot of the administration on campus which is cool to be a part of and have my name attached to it. I definitely recommend becoming a Graduate Assistant when/if the day comes for you to get your Master's Degree. Hope everyone's semester is going well.
I'm Jon Zella, I'm a Graduate student studying History: Museum Preservation here at SUNY Oswego. I recently graduated from SUNY Oswego with my Bachelor's Degree in History and a minor in Italian, Buon Giorno. I am also the graduate assistant for Civic Engagement, I work as an interpreter at Fort Ontario State Historic Site, I'm the Head Coach for the Women's Club Hockey team, Director of Athletic Affairs in Student Association, I write for a hockey blog called the Checking Line mostly about the Buffalo Sabres, I play the drums in the Avondales and Burning Bridge Street, and now I write for this blog.
Though the above paragraph makes me seem like someone who might be high-strung, I'm generally a pretty calm person. Keeping busy allows me to stay focused and everything gets done, even if it's at 2am. I enjoy being social, speaking to others; the exchange of ideas and culture is something I've always enjoyed.
I also run the Civic Engagement Word Press which will cover a lot of what I'll be up to this academic year. I will do my best to blog on this as well and keep those interested in the loop with what I'm doing and how my year is going.


Laser Direct Writing (LDW ) uses laser beam to create a controlled localized damage on the surface. The pattern is drawn in CAD program, which then is etched on the surface of material by a laser spot. In a typical setting, the laser spot is fixed, while the sample is moved under the beam. To prevent overwriting, the beam is switched off with shutters. Baltfab also uses galvanometric scanners, where laser beam is directed with a moving mirror. This typically provides higher writing speeds (up to 20 m/s). All laser systems in Baltfab have dedicated laser stages, but we are also flexible to rearrange existing setups if needed.
Currently, we operate 8 laser writing systems – CO2 industrial CW laser, five different nanosecond lasers, two picosecond lasers and one femtosecond pulse laser. Typically, the shorter the pulse, the less material is removed from the surface: fs laser removes about ~2-3 nm/pulse, ps ~100 nm/pulse, ns – ~1000 nm/pulse.
We use LDW for thin-film structuring, selective and localized modifications of surface.
Ablation: glass, plastics, metals, semiconductors. Generation of Au colloidal nanoparticles in water, Si wafer cleaving. 3D writing in glass, polymers.


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Q: Change manifest file using ResourceHacker CLI I want to automate some manifest file changes (change requestedExecutionLevel level to requireAdministator from asInvoker) so I have to use ResourceHacker CLI.
I have managed to extract the resources file using the command
ResourceHacker.exe -open rh.exe -save rh.res -action extract -mask MANIFEST, -log CONSOLE After modifying the file rh.res and after running
ResourceHacker.exe -open "rh.exe" -save "rh2.exe" -action addoverwrite -res "rh.res" -mask MANIFEST, -log CONSOLE I get the file rh2.exe which works perfectly fine, but doesn't have any changes as far as I can see, however checking the MD5 I can observe the hash is different

redpajama_set_name: RedPajamaStackExchange


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Home / Events / Performers / Erik Ralske
Erik Ralske Back To Performers
Erik Ralske, horn, was appointed principal horn of the Metropolitan Opera Orchestra in the 2010–11 season. On July 6, 2010 he was featured in a front-page article in the New York Times for having won both the MET Opera position and the Los Angeles Philharmonic principal horn position in the same week. Previously, he was a member of the New York Philharmonic, and the Houston and Vancouver symphony orchestras. During his tenure with the NY Philharmonic, Mr. Ralske performed as a soloist numerous times under Kurt Masur and Lorin Maazel, in New York, Europe, and South America. Mr. Ralske has also been in demand as a guest principal for orchestras such as the Berlin Staatskapelle, Philadelphia Orchestra, Cleveland Orchestra, and LA Philharmonic. Erik Ralske has long been active in the recording industry and has performed on many movie soundtracks, from Platoon to A Dog's Purpose. His 2011 live performance of "Siegfried's Horn Call" is available on iTunes as a MET Opera "Ring" Tone. Currently, he is on the faculty of The Juilliard School and the Mannes College of Music. He is an alumnus of The Juilliard School and Aspen Music Festival. His primary teachers were Ranier DeIntinis, John Cerminaro, and Paul Rudoff.


Criteria of admission in good MBA colleges?
I am trying to get admissions MBA but I 'm getting to know that different colleges applies different policy. Some accept high CAT and MAT score where others analyze the leadership skill and group discussions. As per me the entrance exam score like CAT, MAT and group discussion is very important to get admission.
Can you tell what your opinion is!
List of good colleges in Delhi offering MBA courses & admission procedure for the same?
Eligibility for CAT with 48.48 % in B.Com.?
Colleges for MBA after scoring 55% in MAT and 48% in graduation? Eligibility criteria to take admission in AICTE or UGC approved colleges?
Colleges having criteria less than 50% too in graduation? List of such good colleges?
Give list of good MBA colleges that have minimum eligibility criteria of 45% in graduation?
Re: Criteria of admission in good MBA colleges?
It is very good to see that this kinda questions are bothering you before you get admission which is a good signal for you. By this you will get to know the difficulties that you have to face as well as the solution to various query that coming to your mind.
I am trying to answer to all of your query and hope you will find it will useful.
First of all you have to understand that there are various types of colleges which are in India but some of them are really good where as others are not of good repute. It is also true that some accepts MAT CAT score where as other college gives admission on the basis of GD and PI but the real difference is majored at the time of placement where student has to show his knowledge confidence and other abilities in which some students score good where as other student could not do well.
In India there are various college which are considered as top college and they generally give admission on the basis of entrance exam where new and less repute college give admission without setting any criteria just to earn more and more money.
5. Fees Filling and you are done.
For admission in good college for MBA you need to clear about your goals and targets,then go search for the colleges.
4. Go for admission in which college you want to do MBA.
-->>minimum of 50% marks in graduate.
Topics to be covered for MBA entrance exams?
Admissions for MBA course in Pune after AMIETE? Colleges gives admissions for MBA? Degree other than AMIETE?


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New Heights: Monmouth Regional Soars Past Keyport To Claim First Division Title since 2006
Bob Badders Published: October 3, 2021
Ray Rich Photography
KEYPORT – When Dan Wendel took over as Monmouth Regional's head coach three seasons ago, he envisioned the process his program had to go through in order to become contenders. His message to his players was to stay the course and put their trust in the coaching staff to guide them in the right direction.
Their faith and trust have been rewarded, because in year three, the Falcons are division champions.
On Saturday afternoon at Mike Ciccotelli Field, Monmouth used a power rushing attack and a physical defense to take down previously-undefeated Keyport, 28-7, and clinch at least a share of the Shore Conference National Division championship. The Falcons can clinch the title outright with a win over Point Beach next week. The division crown is just the third in program history and first since 2006.
Junior running back Julian Jones ran for a career-high 244 yards and three touchdowns on 30 carries and also ran for a 2-point conversion and the defense forced three turnovers, including a 30-yard interception return for a touchdown by senior linebacker Jeremiah Robles. Three years after a winless season, the Falcons are 4-1 and one of the most successful teams in program history.
"I bring it back to two years ago, we always told the kids to trust the process and in two or three years we'll be in a spot where we are doing the same thing (as the other teams on their schedule)," Wendel said. "This is a very special group. They took their lumps as sophomores two years ago going 0-9 and then battled through everything we battled through last year. There's an expectation and a standard of how we want to play and that's what they live by."
Monmouth's defense held down a high-scoring Keyport offense that had been averaging 31.8 points per game featuring one of the Shore's most dynamic players, senior wide receiver DJ Thomson. The Red Raiders didn't crack the scoreboard until the final play of the third quarter when Thomson got behind the Falcon's defense for a 47-yard touchdown reception from senior quarterback George Mitchell, but outside of that play, the Monmouth defense was tremendous. Keyport managed just 117 yards of offense and five first downs.
Senior Nelson Harris-Thomas was a force for all 48 minutes, finishing with three tackles for loss, two sacks, and two forced fumbles among his eight total tackles. Senior defensive end Loukas Plasteras recorded three tackles for loss, a sack, and a fumble recovery, junior linebacker Eric Crossley had seven tackles, a tackle for loss, and a fumble recovery, and junior Lucas Bomtempo also recorded a sack.
"Our defense has been playing light out, they've been unbelievable this year," Wendel said. "They feel comfortable playing in the system – they've been through it for three years now – and they just fly around. And they've progressively gotten better. That first game (a 20-14 loss to Manchester) left a bad taste in everybody's mouth and since then they've been locked in and ready to prove they're here to play this year."
After a scoreless first quarter, Monmouth struck first when Jones extended the ball over the goal line for a 3-yard touchdown run with 7:53 left in the first half. The two-point conversion attempt was stopped via a sack by Keyport, leaving the score 6-0. It was the Falcons' defense that provided a huge assist on the scoring drive, forcing Keyport to punt from its own 7-yard line, which gave Monmouth the ball at the 39-yard line. A 10-yard run by Jones coupled with a personal foul on Keyport quickly advanced the ball inside the 15-yard line.
Three plays into the next series, Robles picked off Mitchell and returned it 30 yards for a touchdown to extend Monmouth's lead. Jones ran in the 2-point conversion to make it 14-0 with 6:46 left until halftime.
Midway through the third quarter, Monmouth started a drive at its own 20-yard line and moved down the field in 10 plays to take a three-score lead. Jones broke free for a 35-yard run on first down and another personal foul penalty on Keyport put the ball at the Red Raiders' 26-yard line. Jones polished off the drive with a one-yard touchdown run. The two-point conversion was unsuccessful and Monmouth led 20-0 with 18 seconds left in the third quarter.
On the first play of the ensuing possession, Thomson finally broke free and Mitchell hit him in stride for a 47-yard touchdown pass. Mitchell added the extra point to trim Monmouth's lead to 20-7 heading to the fourth quarter.
Keyport then got the ball back when senior cornerback Zivon Crank intercepted a pass. Momentum seemed to be shifting toward the Raiders, but Monmouth responded two plays later when Nelson-Harris chased down Mitchell for a strip-sack and Crossley pounced on the fumble at the Monmouth 29-yard line.
"When they got the INT we just had to flush it," Harris-Thomas said. "We had to forget about it and move on to the next play."
"Every day we work on facing adversity in practice," Plasteras said. "We'll run a drill where we throw an interception and we have to go right back out on defense. We prepare to be ready at every single moment."
From there, Monmouth put together a 12-play, 71-yard drive to put the game out of reach. Jones and Robles combined for 12 consecutive running plays before Jones bounced a run around the left side for a 9-yard touchdown run and a 28-7 lead with 2:21 left.
The Falcons' regular season has two games remaining with Point Beach and Point Boro coming up over the next two weeks. A win over Beach will give Monmouth the outright National Division title. A Week 7 matchup with a Point Boro team that currently has the No. 1 scoring offense in the Shore and is ranked No. 1 in the South Group 2 United Power Ranking will certainly be a major test. Then it's two games in the Shore Conference postseason pods before the NJSIAA playoffs begin.
Meaningful games are coming up for Monmouth Regional. The opportunity to compete in high-stakes games late in the season is a welcome departure from the program's past struggles.
"It means so much to win with my brothers," Plasteras said. "We come out every day and work and we've built a special bond. We think other people are surprised but we're not. We put in the work all offseason and we knew we had a chance to be great."
Click here for an expanded photo gallery by Ray Rich Photography
Monmouth vs. Keyport Football
Monmouth 28, Keyport 7
Monmouth Keyport
Passing 8-14-2 9-24-1
Penalties-yards 6-40 4-45
1 2 3 4 F
Monmouth (4-1, 4-0) 0 14 6 8 28
Keyport (4-1, 3-1) 0 0 7 0 7
M – Julian Jones 3-yard run (pass failed)
M – Jeremiah Robles 30-yard interception return (Julian Jones run)
K – DJ Thomson 47-yard pass from George Mitchell (George Mitchell kick)
M – Julian Jones 9-yard run (Jeremiah Robles run)
RUSHING – M: Julian Jones 30-244, Jeremiah Robles 10-45, Brandon Ligon 1-(-3), Anthony Jehn 7-(-11); K: Nazir Treadwell 6-26, George Mitchell 4-(-3), DJ Thomson 1-(-10).
PASSING – M: Anthony Jehn 8-14-2 42; K: George Mitchell 9-24-1 104.
RECEIVING – M: Ta'Haj Wiggins 2-23, Griffin Hicks 1-14, Julian Jones 3-4, Nelson Harris-Thomas 1-2, Gerald Wiggins 1-(-1); K: DJ Thomson 5-68, Nashirr Hart 1-19, Christyan Azevedo 1-13, Ali Elayan 1-7, Mason Eldrigde 1-0, Nazir Treadwell 1-(-3).
INTERCEPTIONS – M: Jeremiah Robles 1-31; K: George Mitchell 1-0, Zivon Crank 1-8.
Where To Get The Best Apple Cider Donuts At The Jersey Shore
Okay...I am officially ready for Fall
Filed Under: Football, Monmouth Regional


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Home Today's Headlines News Feeds Angelina Jolie on running for political office: 'Never say never'
Angelina Jolie on running for political office: 'Never say never'
Author: Judy Kurtz / Source: TheHill
Actress Angelina Jolie says she isn't closing the door on trading Hollywood for Washington.
"Never say never," the actress told People magazine when asked if she could see herself running for office.
"[But] right now I am looking to others for leadership," Jolie, 43, added.
A special envoy for the United Nations High Commissioner for Refugees, the "Maleficent" star and human rights activist has long flirted with a political bid.
"If you asked me 20 years ago, I would've laughed," Jolie said of a move into politics in…
2014 United States Senate election in North Carolina
Hollywood For
Scarborough: Trump Is Unfit For Office, Anyone Who Suggests Otherwise Hasn't Read The Mueller Report
Braid: Kenney drives NDP from office after epic political odyssey
Angelina Jolie on running for political office: 'Never say never'
The Atlantic Politics & Policy Daily: Once Upon a Mattress
2018 year in politics: Tariffs, Supreme Court fight, Russia probe among...


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An Islamic Perspective
Mohammad Iqbal Khan
Basic concepts of ethics, health, disease, treatment and cure
Muslim contribution in the evolution and development of medical Knowledge and expertise
Ethical issues in Medicine
Moral training and enhancement of patients through medical practice and prayers
Ethical issues related to medical education
Ethics of contemporary issues and medical jurisprudence
Ethics of research on humans and animals
Relationship of medical practice with pharmaceutical, bio-medical and other industries
Characteristics of a Muslim Physician
Professional Ethics as a science and source of inspiration
The word ethics has been derived from a Greek word 'ethicos' which means character. 'Ethics' consists of moral principles that control or influence a person's behavior in business or professional domains. Something Ethical is linked in a subtle manner to the set of beliefs and principles of a person that he holds about what is right and what is wrong. Something ethical is morally correct and acceptable. Ethics is the science of morality- a branch of philosophy that is concerned with human character and conduct1. It is a moral system with rules of behavior. 1-2
Medical Ethics comprise a set of moral rules and principles which guide govern a member of the medical profession in discharging his professional responsibilities in general.
Bioethics was introduced in 1970 by V. P Rotter as inter-disciplinary ethics, which cut across natural sciences and humanities. Bio Medical Ethics was introduced a little later in 1978 to describe ethical issues regarding research in biomedical sciences. Initially four principles, namely, non-maleficenece, beneficence, autonomy and justice were laid down. In 1979, gene therapy, privacy of genetic information, sex selection, cloning, patents, respect for persons, eugenics, informed consent, etc., were also included in biomedical ethics.3, 4, and 5
Unfortunately, nowadays the religious, moral and ethical values are on the decline. The society, especially the western, is plagued with moral decay. Families have been disintegrated; divorce rate and number of unwed mothers have increased tremendously. Drug abuse and excessive sexual indulgence are predominant in adolescents and young adults. These developments usually lead to conflict, loneliness, guilt and loss of self-esteem. The result of this malaise shows itself in a variety of pathological disorders. Many young persons are confused about their self-identity. They lose meaning in life and often turn to pseudo religious cults, drugs or suicide. Recent research studies2 confirm that both socio-cultural and personality aspects are responsible for high rate of drug use in the youth. In order to protect the Islamic society and culture from the above mentioned trends, moral, social and inspirational aspects of Islam need to be reinforced.6, 7
Ethics is as old as human society. Medical knowledge and Islamic scholarship have been inter-related for centuries. Since the birth of Islam in the Arabian Peninsula, the moral and ethical values based on Islamic principles have been adopted by medical professionals in letter and spirit. During the life of our beloved Prophet Muhammad, peace be upon him, the basic principles of medical practice were laid down in detail and are to date endorsed by modern medical practice. In Islamic manuscripts the process of illness attached to human life and its impact on human society as well as the concepts of health, disease, treatment and cure have been elaborated in a matchlessly intelligent way. Allah SWT declared:" This day I have perfected your religion ( way of life) for you and have bestowed on you the full measures of My blessing and have chosen Islam as a way of life for you (Qur'an 5:3) Health issues were not out of the scope of this blessed way of life. The Prophet Mohammad, peace and blessings be upon him, himself sought medical assistance and asked his followers to do the same whenever required. The Prophet described illness as a test from God and not a punishment. Moreover the prophet of Islam says "When a treatment is prescribed according to the diagnosis of the disease, Allah bestows cure" 3 This Hadith gives the basic principle of medical practice that treatment should be given in light of the diagnosis to get good results. It may be noted that treatment alone does not ensure cure but is only a means to achieve cure which Allah in His Infinite Grace bestows upon us mortals. Sometimes a prescription is given according to the diagnosis, but the patient is not cured. This concept completely changes a Muslim physician's attitude, practice and expectations. In comparison, non Muslim physicians solely rely on their expertise and skills - a narrow approach to maladies and their remedies. A Muslim physician on the contrary, has a very different and broad view regarding disease and cure.9-10 A Muslim physician makes his efforts according to his knowledge, skill and faith in the healing powers of God. His objective is to alleviate the sufferings of human beings, keeping in mind his limitations as have been revealed by the Creator in His book.
The second important principle is described in hadith in these words: "There is no disease for which Allah has not created a cure, except for senility (On the authority of Abdullah Bin Masud- Masnad-e Ahmed). This hadith has been also narrated by another narrator with a slight difference in words. The Prophet said: "Allah has not sent down a disease where He has not created a cure for that disease; somebody knows it and others do not." (Ibne Majah-Hadith 3397). Two very encouraging points have been emphasized. This statement clearly indicates that, firstly, treatment and cure is possible for every sickness and no disease is incurable. There is no room for disappointment. Secondly, this also inspires the Muslim physician to find out the very appropriate way and means of treatment for an ailment. This aim can only be achieved through research obligatory on a Muslim physician. The Holy Qur'an says "Those who ponder upon the creation of heaven and earth and say 'O God, you have not created this in vain" (Al Imran-3:191). Doing research is obligatory for all Muslims and specifically for those who are involved in the treatment of human souls and bodies to find the best possible treatment for the ailments of fellow human beings. Research is also obligatory keeping in view the stress Islam lays on excellence. The Holy Qur'an says "Could the reward of excellence be any thing but excellence? (Qur'an-55:60) and our Prophet Peace be upon him said "A Muslim does his job (Performs his duties) with excellence". Inferior quality of professional work and poor performance are disapproved in Islam.11
It is the hallmark of a Muslim physician to keep himself abreast with recent findings in his area of specialization. "Seek Knowledge from cradle to grave". Al-Hadith) Allah has ordained to read and acquire knowledge in the very first revelation of the Qur'an, "Read! In the name of your Lord Who created man from a leechlike mass. Read! Your Lord is most Gracious, who taught man what he knew not" (Qur'an 96: 1-5). Allah has affirmed that He has revealed knowledge to man and distinguished man from other creatures by bestowing upon him knowledge. "He taught Adam the names of all things" (Qur'an 2: 31-32). The only thing that makes man superior among all the creatures of Almighty Allah is knowledge and the power to integrate knowledge. Moreover, transmission of knowledge to fellow human beings is another very important quality of man. A Muslim in general and a Muslim doctor in particular can never shirk the responsibility of acquiring knowledge and transmitting it to others. Creation of knowledge is a very important aspect of human life in general and of a medical doctor in particular. "Those who remember Allah while standing, sitting and lying on their sides, and meditate on the creation of heavens and the earth and say "O Lord, You have created this not in vain". "O Lord, save us from the punishment of fire" (Qur'an 3: 191). Pondering over the creation of Almighty Allah is one of the important qualities of a Muslim without which his faith is incomplete.
This compulsion is reflected very well in the professional life of Muslim doctors who know from a well known Hadith that "there is not a disease for which Allah has not sent a cure". This clearly indicates that there exist treatment and cure of every ailment. If we do not know the remedy for a particular disease, we have to search for it because we have a firm belief that the cure is possible. Being a Muslim doctor, we carry more responsibilities than a non Muslim doctor. Doing research and finding the ways and means of effective treatment for a particular disease is a prominent aspect of the faith of Muslim doctors.12Seeking knowledge and improving one's understanding is one of the fundamentals through which we recognize The Creator. "Behold in creation of heaven and the earth and the alteration of night and day, there are indeed Signs for men of understanding" (Qur'an- 3:190).
These and many other references from the Qur'anic verses greatly emphasize the need to recognize the strength of understanding human structure, functions, and factors responsible for the initiation of the disease process and the theory to deal with that process. The value and importance of acquiring current knowledge and state-of-the-art expertise for a physician has been stressed greatly in the Qur'an and Hadith "You shall not follow those matters of which you have no knowledge, surely, the use of your ears and the eyes and heart- all of these, shall be questioned on the day of judgment" (Qur'an 17-36). The importance of acquiring adequate knowledge and expertise is further stressed in the Hadith "Those who practice medicine without acquiring knowledge of medicine will themselves be responsible for their deeds" (Ibne Majah). Before commencing medical practice, it is obligatory for a Muslim physician to obtain the required knowledge and skill, and to remain at the cutting edge in his field of interest in medicine.13 it is further stressed in another Hadith "That a Muslim performs his duties with excellence". One cannot achieve excellence in his professional skills without constant effort and desire to excel in his profession. Other very important principles of Medical practice are Shukr and Ahsān. This principle is explained in the Qur'an: "If you remained thankful to the Almighty, He shall bless you with more but if you are thankless His punishment is verily very severe" (Qur'an Ibrahimy Verse -7). Indeed, We have created man from the germinal fluid drop (containing both sexes) so that We may test him, we give him the faculty of hearing and sight. Then We guide him to the Right Way. Now it is his choice either to be grateful or to be a disbeliever (Qur'an 76: 2,3).
The Muslim doctor is obliged to acquire the best possible knowledge and expertise and has to deliver his services to ailing humanity without any discrimination and without any worldly gain. If a patient can pay for the consultation, it is fair enough to take the fee. But if he is unable to pay, the physician cannot refuse his services. If a physician refuses to give his services because he is not being paid, he is committing sin. Out of the several rights which a Muslim has on another Muslim fellow is, "Whenever he falls ill. he is being visited by other Muslim fellows; whenever he is consulted for some matter he must impart his consultation with the best of knowledge and taqwa". A Medical professional is directly responsible to his/her fellow human beings. He has to abide by the basic principles of dealing with human beings throughout his life with utmost care and vigilance. "Blessed be He Whose hand is the kingdom of the universe and has power over all things" (Qur'an 67-1,2).The One who created death and life, so that he may put you to test to find which of you is the best in deeds". Life is, therefore, a test for every individual. The more you have the more you will be asked for whether you live in humble slums or in snobbish suburb. Moreover a Muslim physician strongly believes that he is not only accountable for all his deeds, but he is quite hopeful that until he is abiding by the divine guidelines he shall never go astray. "Surely it is for us to give guidance" (Qur'an 92-12). Allah is also clear about the purpose of his creation. Being a true believer, he clearly understands that he is accountable for all his deeds and if he shall abide by and practice accordingly, he shall get reward in this life and in the hereafter. "Those who have accepted the true faith and do good deeds shall be admitted among the righteous" (Qur'an 29-9).
It is the prime requirement for every Muslim in general and for every Muslim doctor in particular to understand and believe in that Allah will raise him or her to the high rank only, when he will acquire the knowledge. "Allah will raise up, to (suitable) ranks (and degrees), those of you who believe and who have been granted knowledge".Qur'an-58:11. A Muslim scholar believes that in order to achieve this high rank, there are prerequisites for the scholar of knowledge to fulfil, of which the most important is to have his/her knowledge intended for the sake of Allah and in the best interest of the Muslims and humanity.
The selection of an approach towards life and its goals depends upon how clear our concepts are regarding basic issues of our existence. The sources we acquire knowledge from are of utmost importance. It is not possible for a human being to find right answers to the basic questions of life through reasoning, an analysis of the available data and the collective wisdom acquired through centuries of human experience alone. Employing a scientific method of inquiry and reasoning, we can arrive at certain conclusions which are half-truths or truths for today, and which may not stand the test of time tomorrow. To arrive at the whole truth and the final answer requires something more.15-16
An important fact is that a human being makes only one appearance on the world stage. His total asset is the limited span of time he has. He is never going to return to this world. It is not possible for him to demand a second term after he has wasted the first. He cannot take the plea: "Alas! I built my whole life on the basis of wrong assumptions. I may kindly be given another chance to rectify my errors".
This one and only chance to live on earth needs careful consideration and planning. Our position in the universe needs to be understood. Our objectives in life and the course we take to realize them needs to be determined carefully.
The concept of a Creator of the universe has always been present in human mind although denials of His existence have also been very common. During the times of The Prophet Muhammad (peace and blessings of Allah be upon him), the polytheists would admit that Allah was the Creator and the Sustainer of the whole universe. They believed that He provided them with sustenance, sent down rain from the sky, and caused crops, vegetables and fruits to grow. The concept of Allah remains in the sub-conscious of even those who deny the existence of Allah. They admit the existence of Allah at some stage of their life. Pharaoh arrogated himself to the status of god and apparently continued to deny the existence of Allah, the Lord of the universe, for almost all his life, but when he was drowning, he cried out, "I believe that there is no god except Him in Whom the Children of Israel believe" (Qur'an- 10:90). Though he had denied the existence of Allah for the whole of his life because of his wrong assumptions and desires of the self, the reality became clear to him in the face of his own imminent death.17
1.1- The reality that the Qur'an exhorts
"He enables you to traverse through land and sea, so that you even board ships. They sail with them with a favorable wind, and they rejoice, but then come a stormy wind and the waves come to them from all sides. They think they are being overwhelmed. They cry unto Allah, sincerely offering their duty unto Him, saying, "If you deliver us from this, We shall (O Allah), all truly show our gratitude." But when He delivers them, behold! They transgress insolently through the earth in defiance of right! O mankind! Your insolence is against your own selves; an enjoyment of the life of the present, but in the end, to Us is your return, and We shall show you the truth of all you did." (Qur'an- 10:22-23)
Keeping in view the above verse from the Holy Qur'an, we can say that admitting the existence of Allah and accepting the fact that human beings can neither ascertain their status and position in the universe merely on the basis of their limited knowledge, nor can they set the objective of life for themselves, there is no other option but to resort to Allah for guidance. This is the reality that Allah has referred to in the Holy Qur'an in these words:
Verily, We take upon Ourselves to guide. (Qur'an- 92:12)
The light of guidance was bestowed upon the very first human created by Allah. Adam was not only the first man but also the first Prophet. Allah continued to send down Prophets for a very long time. Prophets would come to different nations in different parts of the world and show people the right path. Through these Prophets and the revealed books, human beings acquired the knowledge of the hidden and unseen worlds – knowledge that they could not acquire without these sources. 18
Along with the knowledge and information about the creation of the universe, the unity or oneness of Allah, His Being, His attributes and powers, important information was given about the Day of Judgment: that human life does not end with the occurrence of death. There will be another life, on the Day of Judgment, to make men and women accountable for their deeds during their first life in this world – to give those rewards or punishment.
This also proves that the scheme of life is founded on the principles of Tuhid (Unity of God) and His divine revelations only. There is a realization about this fact among all human beings, 'with the certainty of knowledge' provided by Allah and Qur'an refers to this fact as 'Ilm-ul-yaqeen'.
Among all the creatures in the universe, only these two have been created for a test: human beings and jinn. Allah says,
"Exalted is He in Whose hands is the Kingdom of the universe; He has power over all things. He Who created Death and Life, that He may try which of you is the best in deed. He is All-Mighty and All-Forgiving. (Qur'an- 67:1-2)
In a test, there are usually three conditions that need to be fulfilled. First, the candidate for success should be told the do's and don'ts of the test scheme. Allah sent down Prophets and books to this end. Second, the guidelines provided should be easily understood. These should not be beyond senses, far from reach. The candidate should be able to hear, see, understand and recognize them as authentic and issued by the testing authority. Allah says in the Holy Qur'an:
"Allah is He who brought you forth from the wombs of your mothers when you knew nothing and He gave you hearing and sight and intelligence and affection, that you may be grateful (to Him). (Qur'an- 16:78)
The third condition is a full freedom of choice, right or wrong, good or bad, virtue or vice. Man has been given full freedom to choose whatever path he wants to choose for himself. He is neither pulled toward the right path, nor pushed to the wrong. Lack of freedom of choice defeats the very purpose of the test. The Qur'an, in Surah al-Dahr, not only talks about this freedom but also of the two other pre-requisites of the test:
"Verily We created man from a drop of mingled sperm, in order to try him; so We gave him (the gifts) of hearing and sight. We showed him the Way: Whether he is grateful or ungrateful (rests on his will). (Qur'an- 76:2-3)
Allah Almighty, through Prophets and books, has told man that his success in this test depends on his believing in the unseen, doing good deeds, and observing piety:
"And those who believe and work righteous deeds, them shall We admit to the company of the Righteous. (Qur'an- 29:9)
The reward for success in this test is promised to be given not only in the Hereafter but also in this world:
"If the people of the towns had but believed and feared Allah, We should indeed have opened out to them (all kinds of) blessings from heaven and earth; but they rejected (the truth) and We brought them to book for their misdeeds. (Qur'an- 7:96)
By the same token, those who fail in the test of this life will have a bad life in the Hereafter and face penalty:
"Whoever turns away from My Message shall have a wretched life in this world; and We shall raise him up blind on the Day of Judgment". (Qur'an- 20:124.
Another verse goes: "This is how We recompense (in this world) those who transgress the bounds and do not believe in the Revelations of the Lord. And the torment of the Hereafter is more terrible and lasting. (Qur'an- 20:127)
After acquiring Faith, man has to fulfill two types of responsibilities, which determine his deeds as good or bad. First category is that of responsibilities toward Allah Almighty – called Huquq-Allah, and the second category is that of responsibilities towards fellow human beings – Huquq-ul-Ibad. Huquq-Allah include all acts of worship (prayers, fasting, obligatory charity (zakat), pilgrimage, Jihad (struggle in the way of Allah), striving for earning lawful (halal) livelihood, enjoining what is right and forbidding what is wrong, enforcing Allah's law and adopting an attitude in all matters of life that entails Allah's pleasure. This is piety. In the Qur'an, Allah has shown us how we should behave in all matters of life. The Prophet Muhammad (pbuh) illustrated it through his life example for he is the 'role model' for those who seek Allah's pleasure. The criteria for us are contained in the teachings of the Qur'an and the life example of the Holy Prophet, known as Uswa-e- Hasana.20-21
The most important among Huquq-ul-Ibad is a pleasant treatment to parents. Then there is the injunction of dealing honestly and humbly with close relatives, neighbors, travelers, prisoners, the destitute and the poor, widows and those who are facing problems, patients, and Allah's family at large (i.e. all human beings. Allah's Prophet (pbuh) has told us that all people are like Allah's family). It is our duty to assist them and strive to remove their problems. Dealing with all and sundry in good manner, with a smile, and politeness is also very important in this regard. We should see if the family of Allah needs financial help and should make it sure that their needs are fulfilled. A Muslim does not commit injustice to anyone, does not deprive anyone of his right, and never leaves his brother helpless. To hurt the feelings of others, backbiting, leveling baseless allegations is among the sins Allah dislikes the most. We shall be held accountable on the Day of Judgment for both Huquq-Allah and Huquq-ul-Ibad. 22-23
Huquq-ul-Ibad assumes particular importance in medical profession. A doctor remains in continuous contact with human beings who seek his help either for themselves or for their near ones at the time of ailment and difficulty. A God-fearing doctor who upholds the principles of Islamic ethics and professional honesty and integrity has ample opportunities to earn good name in this life and great reward in the life hereafter.
Every Muslim has to pay the right of other Muslim fellow as narrated in the hadith that if a Muslim brother falls ill, it is the duty of another Muslim to visit him and when he seeks consultation it is the duty of his fellow Muslim to respond with honest consultancy according to the best of his knowledge and Taqwa (God fearing).24, 25
Apart from many other rights of a Muslim on another Muslim, two important aspects of this act of Ibada are directly related to medical profession. A doctor has to provide medical consultation to his patient whether paid or unpaid. If a person is unable to pay the consultation fee of a doctor, a Muslim doctor has to provide consultation free of cost according to the best of his knowledge and expertise. Though charging consultation fee is permissible within limits. 26, 27, 28
By the same token, those who fail in the test of this life will have a bad life in the Hereafter and will face penalty. Allah Almight says:
Whoever turns away from My Message shall have a wretched life in this world; and We shall raise him up blind on the Day of Judgment. (Qur'an- 20:124)
This is how We recompense (in this world) those who transgress the bounds and do not believe in the Revelations of the their Lord. And the torment of the Hereafter is more terrible and lasting. (Qur'an- 20:127).
To understand the role of a Muslim doctor, let us have a general idea about the texts in the Qur'an and the Hadith relating to the subject. Allah says in the Qur'an about moral disease and cure in several suras (chapters). He says:
"O mankind! There hath come to you a direction from your Lord and a healing for the (disease) in your hearts, and for those who believe a guidance and a mercy."(Qur'an- 10-57)
The "direction" in this verse to the Qur'an itself is considered a sure cure to any moral or psychological disease that may afflict true believers. The following proves it:
"It (Qur'an) is a guide and a healing to those who believe." (Qur'an-41, 44)
There is no doubt that genuine belief in Allah can be the best cure for most of our psychological disturbances. It brings peace to our hearts as one reckons to his Creator and resigns in Him. The Qur'an says:
"But He guided to Himself those who turn to Him in patience, - Those who believe, and whose hearts find peace and satisfaction in the remembrance of Allah: for without doubt in the remembrance of Allah do hearts find satisfaction and peace."(Qur'an-13, 27-28)
Moral disease has been frequently expressed as disease of the heart. For instance, depicting the psychological picture of the hypocrites (Munafiqeen) Allah says:
"In their hearts there is a disease; and Allah has increased their disease: and grievous is the penalty they (incur), because they are false (to themselves)."(Qur'an-2, 10)
Transgressors, disbelievers and ill-intentioned individuals suffer from a moral weakness - a disease in their hearts. This term has been repeated about thirteen times in the Qur'an.
From the physical point of view, there are many verses that mention the ailing persons, granting them due permission for fulfilling some commissioned obligations. For instance, the ills allowed not to keep the fasting during Ramadan, (Qur'an-11, 184), not to observe the usual ablution (Qur'an-4, 43), not to abstain from cutting his hair during the pilgrimage (Qur'an-11, 196), not to respond to the call of Jihad (Qur'an-9, 9 1) etc. In general, the ailing person is treated as a special case and is given due chance to recover and is always given special treatment and allowances.
It is believed that Allah is the ultimate healer. Ibrahim (P.B.U.H.), arguing with his people about the omnipotence of Allah, said,
"...(Allah) who created me and it is He who guides me, who gives me food and drink, and when I am ill, He cures me..." (Qur'an-26, 80)
However, Allah directs the need for treatment by ascribing a healing potentiality to honey produced by bees: "...there issues from within their bodies a drink of varying colors, wherein is healing for men (humans)... "(Qur'an-16, 69)
The Hadith, as usual, has revealed to us striking facts concerning disease and cure. Our Prophet (P.B.U.H.) informed us that the general rule is that there is a cure to every disease, whether we are aware of it or not. We know at present that our cells produce antibodies to defend us against the agents of disease: the viruses and virulent bacteria. Homeopathic philosophy is based on helping the body to overcome disease by giving the sick very small doses of drugs that would stimulate the same symptoms in a healthy person if given in large quantities. In simple words, the well-established Hadith narrated on the authority of Ibn Maso'ud "Allah has not inflicted a disease without prescribing a cure to it, known to whoever knows it and unknown to whoever does not know it." (Cited by Ahmad of Nayl-al-Awtar, V. 9, p. 89),. This Hadith is a confirmation of the natural law of auto-resistance and self-defense. It also indicates the necessity for discovering cures to our diseases. He (P.B.U.H.) has been reported to have said - on the authority of Usama Ibn Shuraik - when a Bedouin asked him whether be should seek treatment: "Yes, servants of God seek treatment; God has not sent a disease without sending a cure for it, known to whoever knows it and unknown to whoever does not know it" (cited by lbn Majah, Tirmizi and Abu-Dawood). And again, on the authority of Abu-Huraira, the Prophet (P.B.U.H.) has been reported to have said; "Allah has not sent any disease without sending a cure for it" (cited by Ahmad, al-Bukhari and Ibn Majah).29, 30, 31, and 32.
The Holy Qur'an: Translated by Mohaqmmad Farooq Azam Malik, Published by The Institute of Islamic Knowledge Houston, Texas, USA
"Moral and Ethical Issues in Medicine" 6th Annual Symposium, St.Vincent Hospital, Indianapolis, Indiana, Dec. 1987.
"Islamic Medical Ethics" Special issue of Journal of Islamic Medical Association - January 1988.
M.H. Hart "The 100: A Rankin of the Most Influential Persons in History." Hart Publishing Co., New York, 1978.
S.H.Nasr, "Science and Civilization in Islam." New American Library, Inc., New York, 1968, pp. 180-232
H.N. Wasty, "Muslim Contribution to Medicine", M. Sirajuddin and Sons, Publishers, Lahore, 1962, pp. 3-18.
M. Siddiqi, "Studies in Arabic and Persian Medical Literature", Calcutta University, Calcutta, 1959, p. 20-21.
P. Hitti, "The Arabs: A Short History", Henry Regency, Chicago, 1943, P.138-149.
C. Singer and A.A. Underwood, "A Short History of Medicine", 2nd edn. Oxford University Press, New York, 1962, p. 76.
G.A. Bender, "Great Moments in Medicine". Parke-Davis, Detroit, 1961, p. 42-89.
A Castiglioni, "A History of Medicine", E. Krumbhaar (trans.), Alfred A.Knopf, New York, 1958.
Al-Oakbi, Hospital Med. Prac., Cairo, 1, 14-29, (1971).
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Gostin LO. Biomedical research involving prisoners: ethical values and legal regulation. JAMA. 2007; 297:737-740.
Flanagin A, Fontanarosa PB, DeAngelis CD. Update on JAMA's conflict of interest policy. JAMA. 2006; 296:220-221.
Demirhan, E.A.: Lectures on Medical History and Medical Ethics, Nobel Tıp Kitabevleri, Istanbul 1995, pp.113-118.
Begley, A., Blackwood, B., Truth-telling Versus Hope: A Dilemma in Practice. Int J Nurs Pract 6(1):26-31(2000).
Hathout, Hassam "Islamic Perspective in Obstetrics & Gynecology - Published by Islamic Organization for Medical Sciences.
FIMA Year Book 2002- Published by Federation of Islamic Medical Associations Amman
Shahid Athar- Islamic Perspectives in Medical Ethics- from "Islamic Perspective in Medicine" (ATP 1993).
Osama Muhammad Al-Abd, PhD "Islamic Law Ruling on Certain Medical Questions- The Argument and Supporting Evidence.
Abdul Fadl Mohsin Ebrahim- Biomedical Issues- an Islamic Perspective (Islamic Medical Association of South America)
Abdul Fadl Mohsin Ebrahim – Abortion, Birth Control and Surrogate Parenting – (ATP 1989)
Yaseen, MN. "The Inception of Human Life in the Light of the statement from the Holy Qur'an and Sunnah and the opinion of Muslim Scholars" JIMA, 1990; 22:159-67.
International Ethical Guidelines for Biomedical Research involving Human Subjects( An Islamic Perspective)- prepared by Islamic organization for Medical Sciences-2004
Faroque A. Khan "Religious Teachings and Reflections in Advance Directive- Religious Values and Legal Dilemmas in Bioethics: An Islamic Perspective – Fordham Urban Law Journal- November 2002.
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Abul Fadl Mohsim Ebrahim "ICU Ethical Dilemmas" The Islamic Medical Association of South Africa- 2004
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Each week, we go on the hunt for Envato items that have been used by famous brands, and put them together in a video series called the Famous Five. Here's this week's episode, featuring items used by Microsoft, Chris Brown and McDonald's among others.
Microsoft has used an Envato item in a new ad explaining how they're helping the PGA tour use data to change the future of golf.
It's extremely well shot, and features PGA TOUR pro, Bryson DeChambeau explaining how, thanks to the cloud, he can put his knowledge to good use, turning historical data collected by him and other golfers, into insights that can help him figure out whether he should be using a 3 iron or a driver.
It's effective and well-produced, and, uses Adigold's 'Believe In Your Dreams'. A track we most recently saw in the Famous 5 late last year, in a video where former president, Barack Obama was trying to convince voters from Vermont to elect gubernatorial candidate, Sue Minter.
In fact, after some in-depth research from us, we can safely confirm, it is!
Reflecting the 80s' excessive fascination with the future and space, the bright, futuristic style, which came back into vogue in the early 2010s, is incredibly on point. But don't take my word for it, take Chris Brown's.
US department store Sears has used an AudioJungle track in a commercial for their back-to-school sale.
Poster Spy, a website that shows off alternative posters of movies and much more, designed by artists from all over the world, is using butterflymedia's CodeCanyon plugin, 'ImagePress' which showcases images in a beautiful way.
It is the centerpiece of this site, and, as you can see, it shows off the beauty of these poster designs, and their artists, with hovering over each image revealing their names.
To a new segment now, that will hopefully pop-up a few times throughout this year. We call it, Less Famous; More Infamous.
It's called the Pee Pocket, and yes…it's real. It's essentially a paper funnel ladies can keep in their purse, put in a plastic bag that comes with it, and dispose of in a discreet way, solving the gender specific problem of having to sit down while you pee. The commercial uses 'Happiness Bundle' by OlexandrIgnatov, and the product is available right now on Amazon.
The Pee Pocket: Less Famous; More Infamous.
And finally today, the most well-known food franchise in the world is using an Envato item.
McDonald's Czechoslovakia is using highwarden's 'Super Store Finder for WordPress,' helping visitors of the site find the nearest location they can purchase a Big Mac from. Being fully responsive, and with features like Street View and Directions, it's no wonder this CodeCanyon item is a best seller, and a favorite among brands as big as this one.
That's the Envato Famous 5 for this week. We'll be back next Thursday with another look at items from our marketplace used in famous places. Be there, or be square!
An ode to October and all things Halloween.


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Tag Archives: employers
Step Up program offers employer-based low-interest loan program
July 7th, 2015 by Kate Blair
Article written by Jan Skutch for Savannah Morning News
When those out-of-the-blue bills hit, home workers are frequently left with few options other than high-interest rate lenders.
Under a new program recently rolled out here, Step Up Savannah Inc. is joining forces with Georgia Heritage Federal Credit Union and Consumer Credit Counseling Services and a list of employers to offer employees an easy-to-access "small-dollar loan program."
The plan is employer-based and offers employees between $300 and $1,500 at a reasonable rate, repaid through a paycheck deduction. And a bad or no credit score is not a bar to getting the loan.
"It's open to all employees," said Robyn Wainner, Step Up's director of Asset Building & Financial Empowerment. "We understand that many folks need money if the car breaks down or kids need money for summer camp," Wainner said. "We really are trying to provide an alternative to people who don't have alternatives."
The program is accessible through the employer's human resources departments and based on simple criteria — the employee works there at least six months and is in good standing, she said. The loan is processed through the credit union individually with the employee getting money same day or 24-48 hours, Wainner said.
"They pay the loan back through direct payroll deductions" over a six- to 12-month period, and the consistent payments work to improve the employee's credit as he or she goes. An added benefit of the program is that once the loan is repaid, the deductions that had been coming out of the employee's paycheck can then go directly into a savings account until the employee opts out.
And the program allows the Consumer Credit Counseling Services to assist the employee with financial education efforts to make improvements down the road. Robby Glore, vice president for operations at Georgia Heritage Federal Credit Union, said the program "fits like a glove for us," adding the credit union's motto is "People helping people."
"We are a local credit union serv ing Bryan, Effingham and Chatham counties," he said. "The only bond we have is with the employers."
He said the credit union has money to lend, pointing out that the institution's money comes from its members. Georgia Heritage offers 16.9 percent annual percentage rate for payroll deductions, 18 percent for cash repayments, as opposed to 187.5 percent annual rate for car-title loans, Glore said.
"Based on a $1,000 loan, I can save them $1,100 a year over the alternative finance companies," he said. "This is a whole lot cheaper interest rate." "These are people who really need that money," Glore said.
In addition to the interest savings, the program offers participants a way "to get back on a sound financial footing," he added. Officials said the program is available to all employers. The largest partner on board is the Chatham Area Transit Authority and its 236 employees, CAT marketing manager Shalonda Rountree said the program offers them an opportunity to "encourage participation by employees whose credit history would not allow for approval from traditional loan programs, and who may resort to obtaining extremely high interest and fees by resorting to alternative or car-title loans."
"Since the introduction of the program at the end of May, the Life Line Loan Program has been a huge success," Roundtree said, adding that 27 employees have already applied to participate. One of the employers early on in the program was Hospice Savannah and its 205 employees.
Ron Williams, Hospice human resources director, said his nonprofit attended a seminar in March at the Savannah Morning News and saw the program as having potential "for it to be a good benefit for our employees." Hospice officials were seeing employees facing unexpected "financial binds" to look to their retirement accounts to make up shortfalls, he said.
"We wanted them to have another option so they would not have to go to their retirement for extra money," Williams said. "Every employee is eligible for the loan program. The credit union will pull credit reports but your credit score does not prohibit you from getting a loan.
Since we rolled it out two weeks ago "at least five or six of our employees have already applied for loans and several more have asked about the program," Williams said.
"It seems to be" working for the employees, he said.
Do they seem to like it? he is asked.
Posted in Financial Empowerment, In the News	| Tagged credit union, employers, Financial Education, Georgia Heritaage Federal Credit Union, Life Line Loan
May 28th, 2015 by Jennifer Singeisen
It's not often that a financial institution is a protagonist. But in Savannah, Georgia Heritage Federal Credit Union came through like a hero this year, working with Step Up to create a new loan product aimed at low-wage employees.
More than 60 percent of Chatham County residents have sub-prime credit; thousands of residents remain stuck in a cash-based economy (albeit some by choice, others due to mistakes or, yes, bad choices) and at least 10 percent are completely unbanked. Many — truly untold numbers, since there is no straightforward way to count these individuals — are working full or part-time. For several years, Step Up staff and our partners have tried to identify ways to connect our working poor, some barely a paycheck away from poverty, to public benefits they're eligible to receive that effectively boost their earnings. A significant opportunity has existed among thousands of wage-earners who find themselves in need of a small-dollar loan but who don't have credit or whose bad credit translates into exorbitant interest rates.
When a life emergency or unanticipated need pops up, most employees ask for payroll advances, borrow from retirement plans, or turn to the unregulated car title loan industry.
Step Up has urged banks and credit unions to consider offering a safe loan product through area employers. Georgia Heritage recently stepped up. Employers can now offer through the credit union loans of $300-$1500 to those who have been employed in good standing at their companies for 6 months or more. No questions asked, no fees, and monthly payments are determined by the credit union and borrower, with amounts processed through payroll deduction. Credit scores are not part of the determination process and payments are recorded at credit bureaus so these employees can build a positive credit record. Further, once the loan is repaid, the auto deductions continue with payments going to the employee's savings account. They can easily opt out of course but once individuals get accustomed to not having that $50 or $100 available, they typically keep it up, and in this case building savings.
Chatham Area Transit, Hospice Savannah, and Chatham County are employers who are on board, or just about, with the Life Line Loan. Step Up will be gathering data to document what works– or doesn't– about this loan product. But we know that it won't bury in more debt those who can least afford it, like the car title loan.
To learn more about our Life Line Loan, contact Robyn at rwainner@stepupsavannah.org
Posted in Financial Empowerment	| Tagged credit union, employers, Financial Education, lifeline loan, savannah, Step Up Savannah
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