Problem: Article: If you'd like a wax that doesn't contain synthetic additives, buy a container of beeswax furniture polish. This polish is easy to apply and it will give your furniture a soft glow. Keep in mind that because it's such a soft wax, it won't protect your furniture as much as other polishes and it will be sticky unless you buff it well. You might find products that contain a mixture of beeswax and carnauba wax, which make the polish more durable. Carnauba is a popular vegetable wax that's added to furniture polishes because it buffs to a high shine. It also lasts longer than beeswax alone. Liquid wax doesn't contain as much wax as paste wax, so it won't last as long. Choose liquid wax if you'd like to coat furniture with lots of decorative carvings, which would be difficult to work a paste wax into. For example, select liquid wax for intricately carved chair or table legs. Most commercial floor waxes contain less wax so they're easier to spread across an entire floor. Since this wax is also softer, it won't last on furniture as long as a furniture wax. If you do use a floor wax, you'll probably need to reapply the wax every few months instead of once or twice a year.
Summary: Choose beeswax for a soft, natural finish. Look for a product with carnauba wax for a long-lasting finish. Use liquid wax on heavily carved or ornate furniture. Avoid using floor wax on furniture.

Problem: Article: Getting a lower interest rate is usually just a matter of negotiating. To be successful, all you have to do is come prepared. Know how much money you want, how much interest you'd like to pay, and what rate is going to be too high for you to make a deal before walking in or calling up. Financially stable people with decent (650+) credit scores have the best chance to negotiate rates.  Call up your credit card company and let them know that you've found better rates on other cards. If you're a regular customer who pays on time, they will likely try to keep your business. Talk to your banker about the lowest possible rate they can give. Research other options so you can point to other offers. Be wary of variable APR or interest -- it may look appealing at first, but these "deals" often turn into exorbitantly high interest rates after 1-2 years. The accrual rate determines when interest is added to principal. So, if it is really high (such as daily) it means that whatever interest is unpaid at the end of the day gets added to principle. This means the next month's interest payment will be even higher since you have a higher principle. For example, note how a $100,000 loan with a 4% interest rate is compounded three different ways:   Yearly: $110,412.17  Monthly: $110,512.24  Daily: $110,521.28 Remember that interest is taken as a percentage of principle. Simply said -- the more you owe, the more money you pay in interest. If you can pay off some of the principle every month along with the interest, you may not lower your rate. But you will definitely lower your payments. Interest can be thought of as the cost of borrowing money. Either you pay someone for it, or your bank pays you to "borrow" the money in a savings account. Either way, you should know the rates before signing any paperwork.   Auto: 4-7%    Home: 3-6%  Personal Loans: 5-9%  Credit Cards: 18-22%  Payday Loans: 350-500% . The safer an account is, like a savings account, CD, or bond, the less money it usually returns in interest. That said, this sort of guaranteed, but slow growth, can be powerful when saving for retirement. Other accounts with higher interest rates will make you more money, but with more associated risk or stipulations attached.   Savings Accounts: 1-2%   CD 1-2%  US Bonds (over 30 years): 3-4%  401k & IRA: 6-10%
Summary: Talk to your bankers to negotiate a lower interest rate. Choose a less-frequent accrual rate to pay less in interest. Pay more than your interest whenever possible, no matter the interest rate. Monitor common interest rates before getting a loan. Know the interest rates on any investments to money wisely.

Problem: Article: Stress can worsen or predispose you to lockjaw, and yoga is a great stress-relieving activity. Yoga is an integrated practice, which means it aids the physical and energetic body. When doing yoga, you are encouraged to go to the root cause of stress that has caused the muscle spasm of your jaw. Various yoga postures that help in curing lockjaw are as follows:  Asanas (yoga postures) such as the "Adho Mukh Svanasana" (Downward Facing Dog) improve the blood flow to the head and jaw. In this asana, the person assumes an inverted ‘V’ pose with the hips facing the ceiling while the heels and hands are on the ground. "Salamba sarvangasana" (Shoulder Stand) is a pose in which the shoulders rest on the mat or blanket and the entire body from below the shoulders is perpendicular to the floor. This inversion also increases blood flow to the head. Learn how to do this posture correctly before trying it on your own to prevent injury. "‘Viparita Karani" (Legs-Up-the-Wall-Pose) is done by lying on the floor, supporting your lower back with a firm bolster, and stretching your legs upwards using the support of the wall. "Shavasana" (Corpse Pose) acts as a muscle relaxant and helps in reducing muscle tension. It is a pose of complete relaxation. Lie flat on the floor face up with your arms at your sides palm up, and consciously relax all the muscles of the body from head to toe. Relaxation techniques may improve TMJ. A great technique to start releasing the temporomandibular joint of the jaw is seated meditation. Begin by sitting in a comfortable position for meditation and focus on relaxing your tongue. Often, the tongue will cling to the palate without you even realizing it. Relax your eyes and soften your jaw. Soften the skin at the corners of your mouth. These instructions are the starting steps of "pratyahara," i.e., internalization of sensory awareness. Decompressing the jaw in this manner takes practice, but is very useful. Exercises play an important role in the treatment of lockjaw. If done correctly and regularly, they help treat as well as possibly prevent lockjaw. To begin with, relax and lower your shoulders, relax your lower jaw, and relax your tongue. Make sure your teeth are not touching.  Warm up the jaw muscles with small up-and-down and side-to-side movement of the jaw. Be sure not to grind your teeth. Open and close your mouth as much as possible without pain or discomfort. Move your jaw as far as possible forward and then back. Make similar movements towards both sides and then relax. Push your fist below your jaw while opening your mouth. Push your thumb against your chin at the time of forward movement and against the right and left side of your chin during side movements. Keep your jaw at the extreme point of movement for a few seconds, holding it there. Open your mouth as wide as possible, then try to close it while resisting this movement by pushing downward against your lower front teeth with your fingers.  While looking in the mirror, try to move your lower jaw straight up and down, avoiding any deviations as well as any movements producing clicking or locking of the jaw. Each exercise should be performed for at least 10 counts each day. TheraBite is a portable system devised to treat lockjaw and provide patients with anatomically correct jaw motion. This system usually provides both stretching and passive motion for jaw rehabilitation. Cancer in the head and neck may cause lockjaw, especially if you have radiation therapy. TheraBite exercises may help in this case.
Summary:
Do yoga. Try seated meditation. Exercise your jaw. Repeat the jaw exercises against the resistance of your hand. Consider using the TheraBite System.