Archive for May, 2008

Aromatherapy: Understanding the Basics

Thursday, May 29th, 2008

By Lisa Barger Aromatherapy is the art of using scent to promote relaxation, influence mood and, according to some, create a healing environment in the body. Aromatherapists diffuse volatile liquid plant materials called “essential oils” into the air, believing that the tiny molecules are absorbed in the nose and carried directly to the hypothalamus of the brain where they perform their healing works. Though any scent–whether natural or synthetic–can promote relaxation, proponents of “true” aromatherapy insist on using only those fragrances taken from freshly harvested botanicals. Practitioners call those fragrant materials “essential oils”, believing that these materials contain the “essence” of the plant. What It Can Do For You Three types of aromatherapy are currently practiced in the U.S.:Esoteric Aromatherapy is the practice of using scent to promote wellbeing primarily through relaxation and is probably the most common form of aromatherapy in practice today. Essential oils are diffused into the air or added to personal care products to create a warm, enveloping ambiance. Personal preference plays a key role in the choice of scents used.Holistic Aromatherapy is similar to esoteric aromatherapy in that essential oils are either diffused into the air or applied topically; the difference lies in the intent of the user. Holistic aromatherapy is practiced with specific healing goals in mind. Unlike esoteric aromatherapy, which deals mainly with personal preference, holistic practitioners choose their oils deliberately. Holistic aromatherapists address both the physical and spiritual aspects of their art and work to blend the two into a single healing exercise.Medical aromatherapy is by far the least practiced of the aroma arts in this country although it’s considerably more common in Europe and Asia. Medical aromatherapy promotes (and even encourages) the ingestion of specific essential oils for a variety of medical conditions, especially infectious diseases. Medical aromatherapists focus on an oil’s “active” properties–those chemical constituents that practitioners believe give the oils their healing powers. Finding a Qualified Practitioner Aromatherapy has never been recognized as a legitimate medical practice in the U.S. and there are no accredited educational programs in existence at this time. The vast majority of aromatherapists practising in the U.S. today have no medical training at all. Before you hire an aromatherapist, ask about his or her educational background. The practitioner you choose should have a solid understanding of natural medicine and a thorough understanding of the botany involved. What The Critics Say Outrageous claims of near-miraculous healings coupled with scant scientific evidence of its efficacy have done much to hurt aromatherapy’s reputation in the U.S. Critics are quick to point out that practitioners often have no formal training at all. Well-publicized schisms within the major aromatherapy associations have further damaged aromatherapy’s image. Confessions from a Former Aromatherapist There was a time when I took aromatherapy quite seriously but absurd healing claims and a lack of a credible science nearly destroyed my faith in the medical use of scented botanicals. Today, I can’t possibly endorse the ingestion of essential oils and I’m definitely skeptical about most of the medical claims being made by other practitioners but I’ll willingly confess to using natural botanical oils every day–especially as air fresheners. Essential oils have none of the “solvent” under-smell of artificial products. Lisa Barger is a traditional naturopath specializing in natural health education. To learn more about Ms. Barger’s belief in “Empowerment through Education” or to take a free online natural health class see her website, http://www.LisaBarger.com Article Source: http://EzineArticles.com/?expert=Lisa_Barger http://EzineArticles.com/?Aromatherapy:–Understanding-the-Basics&id=242796 fast cash ri research articles on personal loan in pakistan how much shall i withhold on my paycheck payday loan legal n

Running from the Fat Monster after Gastric Bypass

Monday, May 26th, 2008

By Kaye Bailey Many patients of gastric bypass report feeling fearful of succeeding at weight loss after a lifetime of failed diet attempts. In most cases, the fear of success subsides as a patient reaches goal weight and becomes comfortable in their new body. About that time the Fat Monster shows up to scare the hell out of patients. I thought the fear of success was scary that is until I met the Fat Monster. The Fat Monster came into my life one night shortly after I achieved my weight loss goal. The Fat Monster terrified me with illusion in the darkness of night he convinced me that the weight loss was just a dream, that by morning the Little Fat Girl would be back. He convinced me that being thin was too good to be true. I was terrified. The Fat Monster scared the hell out of me and I believed his frightening stories. Even on days when my behavior was stellar I followed the four rules I was convinced he could catch me. Many restless nights I woke frequently to run my hands over my body confirming he hadnt caught me that night. I needed to know that I was still thin. Many patients are acquainted with the Fat Monster after years of dieting failure it is common to believe this weight loss is too good to be true. To this day the Fat Monster keeps me honest. Aloud I can say that looking and feeling great is my motivation to follow the rules, to exercise and maintain my weight. But deep down inside Im on a dead run trying to get away from the Fat Monster. I dont ever want to return to being morbidly obese, I hated that life. So when I get on the treadmill I am literally running from the Fat Monster. When I eat my protein and take my supplements Im building my strength to battle the Fat Monster. I am at war with the Fat Monster and I will never surrender; I am winning! Other patients are battling their own Fat Monster. One woman believed the Fat Monster had occupied her bathroom scale she began weighing compulsively around the clock. She had a before work weight, an after work weight, before work-out weight, after work-out weight and on and on. Any fluctuation from normal caused immediate panic and self-loathing. Her husband locked away the scale and she nearly lost her mind! So, they came to a compromise. He would keep the scale - and the Fat Monster - locked away except for the once a week weigh-in. The physical act of locking-up the Fat Monster worked for her. She no longer weighed herself compulsively and her weekly weigh-ins showed she could very successfully maintain a healthy weight without round-the-clock vigilance to the bathroom scale. Patients do best when they identify their own Fat Monster and learn what behaviors good or bad the monster is affecting in your life. Do not surrender control to the Fat Monster but use terror as a source of motivation in your healthy life. Kaye Bailey 2005 Kaye Bailey - All Rights Reserved Kaye Bailey is a weight loss surgery success story having maintained her health and goal weight for 5+ years. An award winning journalist, she is the author and webmaster of http://www.livingafterwls.com and http://www.livingafterwls.blogspot.com Fresh & insightful content is added daily, check in often. To subscribe to the LivingAfterWLS monthly newsletter “You Have Arrived” click on http://www.livingafterwls.com and enter your details in the subscription box. Article Source: http://EzineArticles.com/?expert=Kaye_Bailey http://EzineArticles.com/?Running-from-the-Fat-Monster-after-Gastric-Bypass&id=42408 congress outlawing payday loans financial lenders bad credit low income arizona mortgage online payday loan payday loans gold coast

Stay Connected With Cell Phones

Saturday, May 17th, 2008

By [http://ezinearticles.com/?expert=Susan_Jan]Susan Jan Gone are the days when phones were used only for voice communication. Advancement in cell phone technology now allows you to send text messages, take pictures, set reminders for daily chores and pay your bills. With the wide range of features available, choosing the right cell phone can become quite mind-boggling. Currently, Nokia, Motorola and Samsung are the market share leaders for the global cell phone market, and offer a wide selection of cell phones to meet every person’s needs. Cell phone costs range from less than $100 to more than $400, depending on the specifications. Your choice of cell phone should be dictated by the features you would like your cell phone to have. The first thing to consider is the cell phone size. As your cell phone will be carried with you most of the time, a slim and lightweight cell phone is the best choice. Cell phones also come with or without flip covers, and nowadays all cell phones allow text-messaging services. Cell phones come with varying storage capacity for contacts - from as low as 50 to more than 200. If you want to use your cell phone to take pictures, then in-built camera phones of more than one mega pixel should be considered. Multimedia phones also offer short-duration video and voice recording features. These phones also have slots to attach to external devices for additional storage of your favorite pictures, music and videos. Another important thing to consider is the cell phone battery life. Battery life is the hours of talk time the battery supports. Many cell phones normally come with 250 minutes of talk time. Other cell phone accessories include hands-free or speakerphone features. These would allow you to make or answer calls even while both hands are occupied, especially while driving. Cell phones with bluetooth or infrared technology allow the phone to connect wirelessly to your PC without having to invest in an expensive data cable. WAP enabled cell phones allow you to check emails even when you are on the move. It also enables you to use your phone as a modem. Medium-range phones come with in-built radio and MP3 features. Some phones also provide the option of changing cases to match your clothes to the occasion. Cell phone ringtones have become popular nowadays and are a great way to add style to your phone. All phones come with preset ringtones but some phones come with options that allow you to compose ringtones. Many websites provide ringtone download services for free or at nominal charges. To find out the latest on [http://www.cell-phone-city.info/]Cell Phones visit Susan’s sites at [http://www.cell-phones-central.info]cell-phones-central.info. Susan also enjoys writing on a wide range of topics at [http://www.computer-and-technology-hub.info]computer-and-technology-hub.info. Article Source: http://EzineArticles.com/?expert=Susan_Jan http://EzineArticles.com/?Stay-Connected-With-Cell-Phones&id=224728 payday loans installment no faxing no direct deposit needed credit loan military payday problem unsecured loanand default personal guarantee loan

Middle Age Weight Gain and How to Avoid It!

Wednesday, May 14th, 2008

By Debra Betterly Many women in their youth, teens, 20s and even 30s, will have no problem managing their weight or losing excess pounds when they make an effort to do so. Its around middle age when all of a sudden it seems that their old tactics for weight loss or weight management no longer work, and worse, they seem to be gaining weight faster than ever. In my coaching practice, this is when I most often here the phrase, It all feels so out of control!! I have studied healthy weight management for 15 years and have counseled hundreds of women on healthy weight management. One thing I know for sure is in this industry, nothing stays the same and there are a lot of mixed messages. Low fat, low carb, lifestyle change, weight watchers, Jenny Craig, margarine is good for you, margarine is bad for you, fitness is the key, set points, food points, blah, blah, blah. I have followed it all, made my own conclusions that I have determined from my education and experience were the right conclusions, and that have worked for me personally to maintain my weight for 21 years. Then I hit midlife. All of a sudden, my body started expanding! My clothes began to get tight and I went up a size. I was still doing all the same things Ive always done, so what was happening to me? I searched for answers. I part of me started to just accept the weight gain as a natural component of getting older, but another part of me resisted this kind of thinking. There had to be another explanation for why I was gaining weight, other than my changing middle age metabolism. What I found from my search was shocking. All the time, in my 20s 30s and 40s, I followed what I thought was a healthy way of eating according to medical science, the American Heart Association and the the popular medical journals. I ate a diet that consisted of mostly carbs, fruits, vegetables, and grains, about 20-30% of the good fats, and about 20-30% lean proteins. I didnt deprive myself of my favorite foods, I just ate them in moderation. I also had a few bad habits, but felt my good habits out weighed them. I drank caffeinated coffee and had developed the habit of having a glass of wine or two with my dinner every evening. What I learned is that exact diet has done a lot of damage to me physically over all those years of trying to be so good!! Even though it seemed to be working, damage was being done on a cellular level from my over consumption of carbs and stimulants (caffeine and alcohol) and it was only a matter time that this imbalance would make it self known with sudden weight gain and intense menopausal symptoms. So, actually, I can thank menopause for this discovery and the start of reversing the damage! Here are some of the things I learned: 1. Eating a low fat diet can make you fat! Eating dietary fat is essential for the regeneration of healthy tissues, hormone production, a healthy immune system and for maintaining ideal body composition. A low fat diet, when combined with a high carbohydrate intake leads to insulin resistance and accelerated metabolic aging. Fats that you eat do not turn into fat on your body because fat cannot be stored without the presence of insulin because insulin is the key to opening up the doors to store fat in fat cells. No matter how much fat you eat, it does not stimulate the pancreas to secrete insulin! Only too many refined carbs can do that! When you are constantly watching your fat intake, you naturally fill in with foods that contain carbohydrates. When you take in mostly carbs, you have high levels of blood sugar being delivered to your liver. All your liver knows is it needs to protect your brain from getting too much sugar, so when it is done distributing the sugar where it is needed for energy, the rest gets stored as fat. 2. You can eat as much as you want without worrying about weight gain. Your body can and will regulate the amounts of fat and protein you digest, but it cannot regulate the amount of carbs you consume. When you eat too much sugar (all carbs turn into sugar in the body), your body over produces insulin which leads to plaguing of the arteries, heart disease, and in diabetes. 3. Butter is good for you. Ha! Eating saturated fats like butter increases the proportion of HDLs in the bloodstream. This is good because HDLs take cholesterol back to the liver and keep your arteries clean. The cells of the body cannot recognize or metabolize damaged fats. Damaged fats include processed fats, polyunsaturated fats used for cooking, deep fried foods, hydrogenated or partially hydrogenated oils (margarines), and charred fats on meats. 4. Not all carbs are bad, but not all whole grains are good. Sounds confusing, but really its not. Any carbs in excess raises insulin levels. The best carbs to eat are whole grains, legumes, starchy and non-starchy vegetables and fruit. Avoid man-made carbs, including whole wheat processed breads. Fresh baked bread is preferable because it contains no additives, (but not very convenient, so eat whole grain breads from the bakery.) Always eat any carbs along with fat or protein to slow down the digestion of the carbs into sugar and keep the levels of insulin balanced. 5. Balance is the key. This is not a high protein, low carb program. That way of eating causes excessive ketones in the blood. This is extremely dangerous because your body is breaking down healthy tissue and causing imbalances in the body. Fast and healthy are not synonymous when it comes to losing body fat. Losing body fat in a healthy way means your metabolism is working to use your stored fat as energy. To lose body fat, you need to heal your metabolism so it becomes more efficient at using fat for fuel. The fact is you must eat to become healthy and achieve your ideal body composition. And it takes time. Optimum health is not about losing weight. Its about balance and shifting your focus away from numbers on the scale or measuring foods to the things that really matter-improved mood, more energy, a healthier, more efficient metabolism and a lifetime of all the above! Eating a variety of foods, never skipping meals, and eating real foods, is the best way to achieve balance. Eat all the good fats, proteins, non-starchy vegetables your body needs and eat enough whole grain, non-processed carbs according to your current level of activity. More active people need more carbs. Since making an effort to include more real fats, better carbs, and non-processed fresh and organic foods into my diet, I have noticed my energy and moods improve, my weight has stabilized and gone back down some, and I am feeling generally healthier and just better mentally knowing I am healing the damage done from years of eating the wrong healthy foods. You can do this too. Its not an overnight solution-but if there is anything weve learned by this age-nothing of real value is. Below are the studies and the work I have drawn most of my information from. Check them out for yourself and do what feels right for you. Resources for this article: Diane Schwarzbein, M.D. A leading authority on metabolic healing and the author of The Schwarzbein Principle; The Truth About Losing Weight, Being Healthy, and Feeling Younger. She specializes in metabolism, diabetes, osteoporosis, menopause, and thyroid conditions. Associations of Serum Lipid Concentrations and Obesity with Mortality in Women: 20 year Follow-up of Participants and Perspective Populations Study in Gothemberg, Sweden British Medical Journal 307 (Nov. 1993): 1385-88 Healthy People 2000 Review 1994: National Health Promotion and Disease Prevention Objectives. DHHS Publication No. (PHS) 95-1256-1 Hyattsville, Md.: Centers for disease control and prevention, July 1995 Moller, David E. and Jeffery S. Flier. Insulin Resistance-Mechanisms, Syndromes, and Implications. NEJM 325.13 (26 Sept. 1991): 938-48 Written by Deb Betterly, Ph.D. Deb is a Personal Coach who works with women in midlife to help create smooth transition into the second half of life and live a second adulthood that absolutely thrills them! Her website is http://www.amazingjourneycoach.com. She is also the author of the video eCourse A Better Way to a Better Body. You can find more information at http://www.dietschmiet.com Article Source: http://EzineArticles.com/?expert=Debra_Betterly http://EzineArticles.com/?Middle-Age-Weight-Gain-and-How-to-Avoid-It!&id=100574 apartment private money lender guaranteed personal loans focus groups for instant cash personal loan agreement

How To Use The Perfume And Fragrance

Friday, May 9th, 2008

By Siripong Oovanit Since earliest history, the perfume has always been a part of human culture. It is used on hair, body with oil, flower, herb extract. It attracts friends to be close to because wearing scent is pleasurable and make other people feeling wonderful. For women type of perfume, you should learn how different type of perfume before you make a decision to buy your perfume. The class and the price are determined by their alcohol content. Eau de toilettes and eau de colognes containing between 3% and 8% fragrance and 92 -97 % is contained with alcohol, water and color. Eau de perfume contains actual perfume oils of 8-15%. You pay more for perfume but you get long last perfume than other scent type around six hours. After considering the type of perfume, the tips you can know when you want to choose the perfume is in below. How to use the perfume and fragrance 1. Choose your perfume with care depending on the occasion. 2. The best way to find your perfume is you should test the perfume on yourself not your friend because the same perfume will be different on two people. What smells good on your friend may not smell as nice on you. Then wait. This time you can go shopping or do something else. Then check the perfumes on your skin. Scents change over time relative to your body chemistry 3. A variety of different fragrance types is less fatiguing to the sense of smell. When perfumes are very different you can try five to six; when they are similar, only two to three. Heavier scents tire your nose more quickly so when sampling always begin with lighter scents. 4. Spray the perfume on the back of your wrists, knees and neck. This way makes the last perfume without fumigating everyone. 5. When spray the perfume you should not rub because rubbing crushes the molecules of fragrance and ruin the scent. 6. Recommended to spray the inner elbows and behind the knees because the fragrance works best just a little bit humid. 7. The storage condition room should be a temperature out of sunlight and away from the bright, cool and dark area. Do not place near heat or light. Extreme heat causes a fragrance to oxidize or change its odor. The ideal for the best condition for storage perfume is room temperature. 8. Spray a damp cloth with fragrance and throw it into the dryer with your clothing to scent them beautifully 9. We do not recommend spraying perfumes directly on clothes because some fabrics may stain. If stains occur, they can usually come out when washed. Always apply your fragrance items before dressing 10. If you want to choose the fragrance for someone it is good rule to buy the classic fragrance. A fragrance that has been on the market for decades is not as risky as new fragrances on the market. The age of the recipient can also influence your choice. If you are purchasing for woman who is your college age, desire, potion, eternal may be appropriate. Lighter floral fragrances are acceptable to almost everyone. Heavier perfumes with oriental notes are more risky. 11. If you notice that the perfume is thick, its color changes drastically and there is a sour smell upon opening, this means the perfume has deteriorated. 12. Increasing body temperature can make the scent and expanding of perfume stronger so it is better to use light perfume for the warm months. More ResourcePerfume Website Article Source: http://EzineArticles.com/?expert=Siripong_Oovanit http://EzineArticles.com/?How-To-Use-The-Perfume-And-Fragrance&id=439956 worse payday loan companies loan mortgage payments rate save programs fax license package stimulus payday loand low cost payday loans

The Right Formula For Choosing Mr/Ms Right

Sunday, May 4th, 2008

By Toni Coleman As a dating and relationship expert, I am frequently asked for advice about HOW to choose the right partner. The question is often centered on the qualities that are found in lasting, healthy unions and how we can know if the people we are choosing to date are a good match for us according to these. The answer for everyone can only be found through careful examination of ones own needs, wants, values and goals and comparing these with the answers your date or partner would give to their own self-examination of these critical relationship components. At the core of this assessment is a need for honesty and good self- awareness. Therefore, it begins with you as an individual and your own readiness for a real relationship. Essentially, you need to have your own life (enough) in order and know who you are and the direction you want your life to go in. For more specific help with this, read my article at: http://www.consum-mate.com/newslets/03jun.htm#feature Once you have decided that you are indeed ready- for all the right reasons- then you can move successfully towards serious dating and commitment by knowing what the right relationship qualities are for you and learning how to see them in others. In order to do a good assessment, you need to examine four critical areas that are at the foundation of all healthy, enduring relationships. These are your: Needs Wants Values Goals When we talk about needs in this context, we are really asking ourselves what we believe is essential for us in our future life. For instance, is marriage your ultimate goal or are you looking only for companionship or a non-marital partnership? Perhaps you are looking for someone who shares a very specific lifestyle, passion or interest. Ask yourself; What MUST I have that is non-negotiable? Then, ask yourself, What is unacceptable or something I just cant live with? Your wants are very closely related to your needs, but will have some room for compromise. Make a wish list related to how you see your future life. Be creative, but make sure you include things like financial status, lifestyle considerations, social and relationship needs, etc. Your values are a very critical component to your assessment. They drive your goals and go to the very core of what is dearest to you. For instance, ask yourself the following questions. Is God an essential part of your life? Must your partner have high intelligence and/or be well educated? Do you believe that saving/investing money is essential to your life and that you must do so even if it requires sacrifices in your lifestyle? Do you absolutely want children or are you sure you do not want to be a parent? Do you have a specific vision of what you believe a good parent is and does in their role of caregiver and role model? How large of a priority is family and intimacy in your life? Do you have specific expectations regarding your partners behavior towards you and any future children you may have? Do you see yourself settled down in a home/job/lifestyle or do you dream of travel and a lifestyle that allows you to move about freely and leaves many options open to you? Your goals follow your values and are what you organize your life and priorities around. They include, but are not limited to: career choices and level of income, homeownership and other investments, desired lifestyle- which includes family, geographic area of residence, homeownership, etc. and timetables for accomplishment and achievement of your lifes milestones. Once you really know what these are, you will know what to look for in others. Determining how well you match up with someone else will become evident as you discuss and share your dreams, passions, hopes and future plans with your significant other. Many couples get into trouble because they either avoid having these honest and revealing talks- often because they fear losing the other person - or because they ASSUME that because they are so drawn to each other or have so much fun together that they must be RIGHT for one another and share the same beliefs and goals. Remember to use your head as well as your heart when choosing the person you will travel the road of life with. For this road is unpredictable and can be full of twists, turns and perilous stretches. Make sure the person at your side will be there for you as an individual and will be willing and able to make the compromises and take the actions necessary to make it a lasting, fruitful and shared journey. Toni Coleman, MSW is a licensed psychotherapist, relationship coach and founder of http://www.consum-mate.com As a recognized expert, Toni has been quoted in many local and national publications including: The Chicago Tribune, The Orlando Sentinel, New York Daily News, Indianapolis Star and Newsweek newspapers and Family Circle, Woman’s Day, Cosmo Style, Tango, Mens Health, Star (regularly quoted body language expert), and Nirvana magazines. She has been featured on abcnews.com; discovery.health.com; aolnews.com; MSN.com, Match.com and planetearthradio.com. Toni offers dating help and relationship advice as the weekly love and dating coach on the KTRS Radio Morning Show (St. Louis, MO) and through her syndicated column, Dear Dating Coach.Her newsletter, The Art Of Intimacy, helps over fifty-five hundred subscribers with its dating and relationship advice. Toni is a member of The International Coach Federation, The International Association Of Coaches and The National Association of Social Workers. Article Source: http://EzineArticles.com/?expert=Toni_Coleman http://EzineArticles.com/?The-Right-Formula-For-Choosing-Mr/Ms-Right&id=84963 personal loan interest de minimis payday loans with no fax in canada saudi arabia reduces personal loan size to 25x salary commercial loan personal guarantees credit reporting

Personal Accident Claim - The Successful Route

Thursday, May 1st, 2008

By Mumtaz Shah A personal accident claim can start and finish, without you even knowing it. Before you know it, your accident injury claim cheque CAN be at your doorstep within months. Gone are the bad old days when it was absolute chaos, there wasnt much choice around, like cornflakes. Now theres Crunchy Nut, Weetabix, Cheerios, the full load. Only now we have more of a choice to what we want to eat. Accident compensation claim works exactly the same way, but instead of the taste its the quality of service. Many companies that entered the market and left. The ones remaining are the ones who have made a name for themselves. A brand! The word 100% Compensation has been diluted by many companies who simply want your business, but later giving you a small print to deduct charges. I mean it does freaks people out. So upfront, you should receive 100% Compensation for road traffic accident claims, work accident claims and slip, trip or fall claims. The others you may not receive 100% Compensation, mainly due to the structure of claim to recover costs. Anyway you can start a personal accident claim and your accident injury solicitor will finish it. Not much work is required on your behalf except at the forefront. If everything is clear on the outset, the rest should be taken care off. But in order for this to happen you need to make a decision to begin. If your main goal is to settle your compensation in the least time possible, plus gain maximum 100% Compensation, then follow this simple step. Stay In Contact With Your Accident Claim Solicitor Always stay in contact with your injury solicitor. If you leave for holiday, or cant be contacted for some time then let them know. There has been occasions where people forget to inform their accident solicitor and your accident injury claim goes nowhere besides archive. Dont let that happen to you. The more you stay in contact or respond to them, the quicker you will see your money. Its as simple as that! It’s easy to proceed with a personal accident claim and gain maximum results without the hassle, costs and confusion. Discover how to finish 50% of your claim in 7 days or less at http://www.100Percent-Compensation.co.uk Article Source: http://EzineArticles.com/?expert=Mumtaz_Shah http://EzineArticles.com/?Personal-Accident-Claim—The-Successful-Route&id=236826 credit cards excess refund error report changes to credit score calculation how to have a 700 credit score poor credit mortgage approval