Temple Illuminatus2024-03-29T09:58:57ZLinda M.https://templeilluminatus.ning.com/profile/LindaMannhttps://storage.ning.com/topology/rest/1.0/file/get/3652264559?profile=RESIZE_180x180&width=48&height=48&crop=1%3A1https://templeilluminatus.ning.com/group/lyfelyne/forum/topic/listForContributor?user=0ovc72n46mzy4&feed=yes&xn_auth=noWhen Money Is Tight, These 7 Resources Will Help Nearly Everyonetag:templeilluminatus.ning.com,2022-08-26:6363372:Topic:36275832022-08-26T01:09:45.804ZLinda M.https://templeilluminatus.ning.com/profile/LindaMann
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<li class="post-author meta-wrapper"><span class="meta-text">By<span> </span><a href="https://partners.thepennyhoarder.com/author/the-penny-hoarder/">The Penny Hoarder Staff</a></span><br></br></li>
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<p>When you log into your bank account, how do your savings look? Probably not as good as you’d like. It always seems like an uphill battle to build (and keep) a decent amount in savings.</p>
<p>But what if your car breaks…</p>
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<li class="post-author meta-wrapper"><span class="meta-text">By<span> </span><a href="https://partners.thepennyhoarder.com/author/the-penny-hoarder/">The Penny Hoarder Staff</a></span><br/></li>
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<p>When you log into your bank account, how do your savings look? Probably not as good as you’d like. It always seems like an uphill battle to build (and keep) a decent amount in savings.</p>
<p>But what if your car breaks down, or you have a sudden medical bill?</p>
<p>We’re not judging — we don’t roll like that. We’re here to help. We just don’t want you to have to sell those Elvis-Presley-signed velvet pants you inherited just to pay some lousy plumbing bill. Those pants are sweet.</p>
<p>Try these tips to get the ball rolling, and start building up your savings so you can breathe a little easier.</p>
<h2 id="3-ask-for-some-help-you-deserve-it">1. Ask for Some Help — You Deserve It</h2>
<p>If you’re really in a bind, start with 2-1-1, a confidential service offered through United Way that’ll help you find the resources you need to find affordable housing, make rent or pay utilities. It’s there for people like you.</p>
<p>To use the service, head to 211.org and enter your location. It’ll show you services in your community and give you a number to call. It’s a clearinghouse for help with food, housing, utilities and employment. If you’ve never asked for help before, that means you don’t know what kind of help is out there.</p>
<p>You can also look into applying for a grant. Take, for example, Modest Needs grants, which are designed for workers just about the poverty line who are ineligible for most other forms of social assistance.</p>
<h2>2. Get Paid Up to $140/Month Just for Sharing Your Honest Opinion</h2>
<p>If you’re turning blue in the face waiting for a raise at work, it might be time to quit holding your breath and start speaking your mind to someone who wants to listen.</p>
<p>Brands want to hear your opinion to help inform their business decisions on everything from products and services to logos and ads — and they’re willing to pay you up to $140 a month for it.</p>
<p>A free site called<span> </span><a href="http://t.thepennyhoarder.com/aff_c?offer_id=6653&aff_id=4&source=when-money-is-tight-desktop&aff_sub=partners.thepennyhoarder.com&aff_sub2=20&aff_sub3=when-money-is-tight-desktop"><strong>Branded Surveys</strong></a><span> </span>will pay you up to $5 per survey for sharing your thoughts with their brand partners. Taking three quick surveys a day could earn up to $140 each month.</p>
<p>It takes just a minute to create a free account and start getting paid to speak your mind. Most surveys take five to 15 minutes, and you can check how long they’ll take ahead of time. </p>
<p>And you don’t need to build up tons of money to cash out, either — once you earn $5, you can cash out via PayPal, your bank account, a gift card or Amazon. You’ll get paid within 48 hours of your payout being processed, just for sharing your opinions.</p>
<p>They’ve already paid users more than $20 million since 2012, and the most active users can earn a few hundred dollars a month. Plus, they’ve got an “excellent” rating on Trustpilot.It takes just a minute to<strong><span> </span></strong><a href="http://t.thepennyhoarder.com/aff_c?offer_id=6653&aff_id=4&source=when-money-is-tight-desktop&aff_sub=partners.thepennyhoarder.com&aff_sub2=20&aff_sub3=when-money-is-tight-desktop"><strong>set up your account and start getting paid to take surveys</strong></a>. Plus, right now, you’ll get a free 100-point welcome bonus just for becoming part of the community.</p>
<h2>3. Let This Company Pay Your Credit Card Bill This Month</h2>
<p>No, like… the whole bill. All of it.</p>
<p>While you’re stressing out over your debt, your credit card company is getting rich off those insane interest rates. But<span> </span><a href="http://t.thepennyhoarder.com/aff_c?offer_id=5952&aff_id=4&source=when-money-is-tight-desktop&aff_sub=partners.thepennyhoarder.com&aff_sub2=20&aff_sub3=when-money-is-tight-desktop"><strong>a website called</strong><span> </span><strong>Happy Money</strong></a><strong><span> </span></strong>could help you pay off that bill as soon as tomorrow.</p>
<p>Here’s how it works: Happy Money can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.</p>
<p>If your credit score is at least 640, Happy Money can help you borrow $5,000 to $40,000 with fixed rates starting at 4.99% APR (with autopay).*</p>
<p>Happy Money won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to<span> </span><a href="http://t.thepennyhoarder.com/aff_c?offer_id=5952&aff_id=4&source=when-money-is-tight-desktop&aff_sub=partners.thepennyhoarder.com&aff_sub2=20&aff_sub3=when-money-is-tight-desktop">check online</a>. It takes just a few minutes, and it could save you thousands of dollars — and raise your FICO score by up to 40 points. Totally worth it.</p>
<p>All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.</p>
<h2>4. Stop Overpaying at Amazon</h2>
<p>Wouldn’t it be nice if you got an alert when you’re shopping online at Amazon or Target and are about to overpay?</p>
<p>That’s exactly what this <a href="https://t.thepennyhoarder.com/aff_c?offer_id=5522&aff_id=4&source=when-money-is-tight-desktop&aff_sub=partners.thepennyhoarder.com&aff_sub2=20&aff_sub3=when-money-is-tight-desktop">free service</a> does. </p>
<p>Just add it to your browser for free, and before you check out, it’ll check other websites, including Walmart, eBay and others to see if your item is available for cheaper. Plus, you can get coupon codes, set up price-drop alerts and even see the item’s price history.</p>
<p>Let’s say you’re shopping for a new TV, and you assume you’ve found the best price. Here’s when you’ll get a pop up letting you know if that exact TV is available elsewhere for cheaper. If there are any available coupon codes, they’ll also automatically be applied to your order.</p>
<p>In the last year, this has saved people $160 million.</p>
<p>You can get started in just a few clicks to <a href="https://t.thepennyhoarder.com/aff_c?offer_id=5522&aff_id=4&source=when-money-is-tight-desktop&aff_sub=partners.thepennyhoarder.com&aff_sub2=20&aff_sub3=when-money-is-tight-desktop">see if you’re overpaying online</a>.</p>
<h2>5. Cancel Your Car Insurance</h2>
<p>When was the last time you compared car insurance rates? Chances are you’re seriously overpaying with your current policy. </p>
<p>If it’s been more than six months since your last car insurance quote, you should look again. </p>
<p>And if you look through a website called<span> </span><a href="https://t.thepennyhoarder.com/aff_c?offer_id=6891&aff_id=4&source=when-money-is-tight-desktop&aff_sub=partners.thepennyhoarder.com&aff_sub2=20&aff_sub3=when-money-is-tight-desktop"><strong>CheapRatesOnline</strong></a>, you could save yourself up to $500 a year*. </p>
<p>It takes just two minutes to answer some questions, and their smart matching technology will show you the insurance providers that are the best fit for you. And don’t worry — they uses advanced data security and encryption technology, so all your details are safe. </p>
<p>The website is free to use and can even save you up to an additional 20% if you add another vehicle to your policy. You could be paying as little as $19 a month* for car insurance.</p>
<p>They’ve already helped millions of people find affordable car insurance.<span> </span><a href="https://t.thepennyhoarder.com/aff_c?offer_id=6891&aff_id=4&source=when-money-is-tight-desktop&aff_sub=partners.thepennyhoarder.com&aff_sub2=20&aff_sub3=when-money-is-tight-desktop"><strong>See how much money you could save</strong></a><strong><span> </span></strong>with a new policy.</p>
<h2>6. Get Paid up to $80/Month — Just for Sharing Your Opinion</h2>
<p>Taking surveys might not sound like the best way to make money, but if you’re just vegging out on the couch — or pretending to be interested in your partner’s new favorite show — why not click a couple buttons? It could earn you up to $80 a month. Seriously.</p>
<p>There are a bunch of paid survey sites out there, but one of the best we’ve found is<span> </span><a href="http://t.thepennyhoarder.com/aff_c?offer_id=4354&aff_id=4&source=when-money-is-tight-desktop&aff_sub=partners.thepennyhoarder.com&aff_sub2=20&aff_sub3=when-money-is-tight-desktop">Survey Junkie</a>. </p>
<p>They’ll ask you questions about things like,<span> </span><em>what kind of laundry detergent you use</em>, or<em><span> </span>if you prefer Pepsi or Coke</em>. You get points for answering, and many people accumulate enough points to request a check within a few hours. </p>
<p>More than 10 million people already use Survey Junkie, and it has 4.5/5 stars on TrustPilot. </p>
<p>Give it a try by<span> </span><a href="http://t.thepennyhoarder.com/aff_c?offer_id=4354&aff_id=4&source=when-money-is-tight-desktop&aff_sub=partners.thepennyhoarder.com&aff_sub2=20&aff_sub3=when-money-is-tight-desktop">visiting Survey Junkie</a><span> </span>and clicking the “Join Now” button. It’s free.</p>
<h2>7. Don’t Pay Your Full Credit Card Bill</h2>
<p>Here’s the deal: Your credit card company is ripping you off with insane interest rates. What if you could just… get rid of some of your debt? </p>
<p>A company called<span> </span><a href="https://t.thepennyhoarder.com/aff_c?offer_id=6680&aff_id=4&source=when-money-is-tight-desktop&aff_sub=partners.thepennyhoarder.com&aff_sub2=20&aff_sub3=when-money-is-tight-desktop"><strong>Freedom Debt Relief</strong></a><span> </span>can help you do just that.<span> </span><strong>They’ll talk to your lenders directly to convince them to reduce a big chunk of your debt.</strong></p>
<p>They’ll negotiate a settlement with your creditor and if you approve the offer they come back with, you’ll start paying it off. But you don’t owe anything unless they negotiate a settlement and you make your first payment toward that settlement.</p>
<p>They’ve already served over 800,000 people and negotiated more than $15 billion in debts. </p>
<p>It’s free to<span> </span><a href="https://t.thepennyhoarder.com/aff_c?offer_id=6680&aff_id=4&source=when-money-is-tight-desktop&aff_sub=partners.thepennyhoarder.com&aff_sub2=20&aff_sub3=when-money-is-tight-desktop"><strong>see just how much of your debt you can get rid of</strong></a><strong>.</strong> </p>
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<p><em>(Happy Money operates in every U.S. state except Massachusetts, Mississippi, Nebraska and Nevada.)</em></p>
<p><em>*Rates for personal loans provided by lenders on the Credible platform range between 3.99% – 35.99% APR with terms from 12 to 84 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 8%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 3, 2022, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.. Prequalified rates are based on the information you provide and a soft credit inquiry. Receiving prequalified rates does not guarantee that the Lender will extend you an offer of credit. You are not yet approved for a loan or a specific rate. All credit decisions, including loan approval, if any, are determined by Lenders, in their sole discretion. Lenders will conduct a hard credit pull when you submit your application. Hard credit pulls will have an impact on your credit score. Lowest rate advertised is not available for all loan sizes, types, or purposes, and assumes a very well qualified borrower with an excellent credit profile.</em></p>
<p><em><a href="https://partners.thepennyhoarder.com/when-money-is-tight-desktop/?aff_id=4&utm_source=facebook&utm_medium=paidsocial&aff_sub3=when-money-is-tight-desktop&fbclid=IwAR3IMZjXElKztqaE7EZktNzJC-aMrYsrbadtVPqqRKJaIO6mloAVS13oX1A">When Money Is Tight, These 7 Resources Will Help Nearly Everyone – The Penny Hoarder</a></em></p>
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<p></p> How to be an Ambassador to Your Countrytag:templeilluminatus.ning.com,2022-08-26:6363372:Topic:36276112022-08-26T01:04:52.928ZLinda M.https://templeilluminatus.ning.com/profile/LindaMann
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<p><em>By: Michael Lewis, Greenheart Exchange Participant Summer 2018</em></p>
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<p>The duties of an ambassador can, at times, be overwhelming. I have…</p>
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<p><em>By: Michael Lewis, Greenheart Exchange Participant Summer 2018</em></p>
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<p>The duties of an ambassador can, at times, be overwhelming. I have been charged with countless ambassadorial duties throughout my existence on earth that have helped to strengthen my ability to not only lead others but also to promote various meaningful ventures. Flashback to 2011 when I was ordained the first student ambassador at Denbigh High School. This was an awe-inspiring moment in my life. Friends, teachers and other staff members at the institution, at that time, along with my grandmother, Granny Ivy, all had an increase in expectation for me as it relates to how I will act as “The Ambassador” for a noble institution. Although I am no longer at the institution, I am still considered one of their official ambassadors. Therefore, an ambassador job might be once-in-a-lifetime; however, it lasts a lifetime. This and other experiences have molded me to be an Ambassador to Jamaica – one who is able to serve as a volunteer and sell traditions of the island in various local and international domains.</p>
<p>Volunteering is an important aspect of my life. I owe the pleasure that I get from this fundamental trait to Granny Ivy. It is her kind deeds that inspired me to begin volunteering at an early age. If I recall clearly, my first voluntary initiative occurred when I was enrolled in Denbigh Primary School. I felt the need to visit a Child Infirmary in my parish to read, sing to, and pray for the ill children. This colorful attitude of gratitude has been stitched into the developmental fabric of my life. As a result, I am willing to engage in numerous altruistic activities in Jamaica and across the globe as an ambassador of my country.</p>
<p>When I think about what I love most about my culture, I think about the fact that I love to tell stories! This is an aspect of oral tradition that has been shared with me by Granny Ivy. I adopted and adapted her intrinsic storytelling ability and utilized these skills to win Best Male Story Teller at the Cultural Festival in Jamaica for 4 years! Whenever I visit a foreign territory, I feel the urge to share aspects of my country’s oral tradition. There is a great amount of cultural wealth in stories – tell them whenever you can.</p>
<p>If you’re not a fan of speaking, you have the option of presenting your culture on a plate. Who am I kidding? I love cooking too! The smell and taste of authentic Jamaican dishes – curry chicken or ackee and saltfish – can win the hearts of locals and internationals. Not only that, the herbs and spices are able to serve a heuristic function; providing information on our culinary culture. Sharing my culinary expertise with others is something I greatly enjoy. Besides, I am a fan of tasting foods from other countries. Yummy, I have culture in my tummy!</p>
<p>I owe everything to Granny Ivy! Her generational teachings have transformed the way I view and present Jamaica’s diverse culture to others. Her words of wisdom allowed me to receive my country’s highest award: The Prime Minister’s Youth Award for Excellence in Arts and Culture. She inspired the development of my talents in the literary, visual, culinary and performing arts. As a result, I will pay tribute to her by using such skills to be an ambassador for my country.</p>
<p><a href="https://greenheartexchange.org/blog/ambassador-scholars/how-to-be-an-ambassador-to-your-country/">How to be an Ambassador to Your Country | Greenheart Exchange</a></p>
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</div> Coping With Panic Attacks Workbooktag:templeilluminatus.ning.com,2017-02-06:6363372:Topic:32741322017-02-06T01:58:02.733ZLinda M.https://templeilluminatus.ning.com/profile/LindaMann
<p><span>This InfoPax is designed to provide you with some information about panic attacks and panic disorder and suggested strategies for how you can manage your panic and anxiety. It is organised into modules that are designed to be worked through in sequence. Although it is not necessary that you complete one module before going on to the next, this is recommended. Each module includes information, worksheets, and suggested exercises or activities.…</span></p>
<p><span>This InfoPax is designed to provide you with some information about panic attacks and panic disorder and suggested strategies for how you can manage your panic and anxiety. It is organised into modules that are designed to be worked through in sequence. Although it is not necessary that you complete one module before going on to the next, this is recommended. Each module includes information, worksheets, and suggested exercises or activities.</span></p>
<p class="titles">Modules:</p>
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<li><a href="http://t.umblr.com/redirect?z=http%3A%2F%2Fwww.cci.health.wa.gov.au%2Fdocs%2FPanic-01_Overview.pdf&t=ZjYzNTAwMGIxN2RhOWQ2NGVhZTBjNDIxNmY3NjE1YTEzODNmZWMxNyxOUTAxTHh3YQ%3D%3D&b=t%3AMGkxa3ZbqG-Sv07eGb5Hmw&p=http%3A%2F%2Fbetterthandarkchocolate.tumblr.com%2Fpost%2F34155046456%2Fcoping-with-panic-attacks-workbook&m=1" target="_blank"><span>Module 1: Overview of Panic</span></a><br/> This module describes panic attacks and panic disorder and looks at the symptoms of panic. <em>PDF document: 268kb.</em> <em>Updated 22nd June, 2004.</em></li>
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<li><a href="http://t.umblr.com/redirect?z=http%3A%2F%2Fwww.cci.health.wa.gov.au%2Fdocs%2FPanic-02_Overview_Part2.pdf&t=Y2RiMWJjMTI1YTU1YmUzNzY2YzQ4NzVkYTYzMDY4NDFiY2ExZjI4NSxOUTAxTHh3YQ%3D%3D&b=t%3AMGkxa3ZbqG-Sv07eGb5Hmw&p=http%3A%2F%2Fbetterthandarkchocolate.tumblr.com%2Fpost%2F34155046456%2Fcoping-with-panic-attacks-workbook&m=1" target="_blank"><span>Module 2: More About Panic </span></a><br/> The aim of this InfoPax module is to provide you with some more detailed information on how panic attacks actually develop. This module will also describe how panic attacks develop into panic disorder and what treatment strategies may be useful. PDF document: 180kb. <em>Updated 22nd June, 2004.</em></li>
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<li><a href="http://t.umblr.com/redirect?z=http%3A%2F%2Fwww.cci.health.wa.gov.au%2Fdocs%2FPanic-03_Thinking-Feeling%2520Connection.pdf&t=OTU4NWUwMDgxMTcxMmJlNmZiNDBiNmI4YWViNTljNjAzYTkwZjQ0NixOUTAxTHh3YQ%3D%3D&b=t%3AMGkxa3ZbqG-Sv07eGb5Hmw&p=http%3A%2F%2Fbetterthandarkchocolate.tumblr.com%2Fpost%2F34155046456%2Fcoping-with-panic-attacks-workbook&m=1" target="_blank"><span>Module 3: The Thinking-Feeling Connection</span></a><br/> This module describes automatic thoughts and explores how thoughts influence feelings. <em>PDF document: 172kb.</em> <em>Updated 22nd June, 2004.</em></li>
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<li><a href="http://t.umblr.com/redirect?z=http%3A%2F%2Fwww.cci.health.wa.gov.au%2Fdocs%2FPanic-04_ABC-Analysis.pdf&t=YjNmZGNkMjM4ZjdiYzBjMTcwMTFlMzNmODY5NzY1OWFjY2MzNTNiNyxOUTAxTHh3YQ%3D%3D&b=t%3AMGkxa3ZbqG-Sv07eGb5Hmw&p=http%3A%2F%2Fbetterthandarkchocolate.tumblr.com%2Fpost%2F34155046456%2Fcoping-with-panic-attacks-workbook&m=1" target="_blank"><span>Module 4: The ABC’s of Thinking and Feeling</span></a><br/> This module explores how you can use a <em>thought diary</em> to monitor the unhelpful thoughts that can lead to how you feel about a particular situation. <em>PDF document: 279kb. Updated 22nd June, 2004.</em></li>
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<li><a href="http://t.umblr.com/redirect?z=http%3A%2F%2Fwww.cci.health.wa.gov.au%2Fdocs%2FPanic-05_Unhelpful%2520Thinking%2520Styles.pdf&t=Y2NlMjg2MzU1NGI5NDk2YmRmODEyZTE2NzJmMjA2MjNiZGE3OTVlYSxOUTAxTHh3YQ%3D%3D&b=t%3AMGkxa3ZbqG-Sv07eGb5Hmw&p=http%3A%2F%2Fbetterthandarkchocolate.tumblr.com%2Fpost%2F34155046456%2Fcoping-with-panic-attacks-workbook&m=1" target="_blank"><span>Module 5: Unhelpful Thinking Styles</span></a><br/> This module describes a number of common unhelpful thinking styles that can lead to negative emotions. <em>PDF document: 240kb. Updated 22nd June, 2004.</em></li>
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<li><a href="http://t.umblr.com/redirect?z=http%3A%2F%2Fwww.cci.health.wa.gov.au%2Fdocs%2FPanic-06_Disputation.pdf&t=MTI1ODU1YTIzYzRlNmU2MWNlNzk3NjAxYWQ0MTE3NGU3ZDRhNDg2MyxOUTAxTHh3YQ%3D%3D&b=t%3AMGkxa3ZbqG-Sv07eGb5Hmw&p=http%3A%2F%2Fbetterthandarkchocolate.tumblr.com%2Fpost%2F34155046456%2Fcoping-with-panic-attacks-workbook&m=1" target="_blank"><span>Module 6: Detective Work and Disputation</span></a><br/> Module 6 explores how you can examine and challenge unhelpful thoughts by expanding the thought diary described in Module 4. <em>PDF document: 220kb.</em> <em>Updated 22nd June, 2004.</em></li>
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<li><a href="http://t.umblr.com/redirect?z=http%3A%2F%2Fwww.cci.health.wa.gov.au%2Fdocs%2FPanic-07_Balanced-Thinking.pdf&t=ZTQwNjQ4ZmM4MDU2ZjllM2M0OTBiZWQ4MDM0ZDUxZjQ0ZjVjOGZlNSxOUTAxTHh3YQ%3D%3D&b=t%3AMGkxa3ZbqG-Sv07eGb5Hmw&p=http%3A%2F%2Fbetterthandarkchocolate.tumblr.com%2Fpost%2F34155046456%2Fcoping-with-panic-attacks-workbook&m=1" target="_blank"><span>Module 7: Evaluation and balanced thinking</span></a><br/> This module describes how you can summarise how you have challenged unhelpful thoughts by producing a balanced thought. <em>PDF document: 256kb.</em> <em>Updated 22nd June, 2004</em></li>
</ul>
<ul>
<li><a href="http://t.umblr.com/redirect?z=http%3A%2F%2Fwww.cci.health.wa.gov.au%2Fdocs%2FPanic-08_Core%2520Beliefs.pdf&t=MTI0NjFiM2E1ZGEyZmJhZjZkMGQzNTUyYTk2MDg5ZWMwNzRiMWU0NyxOUTAxTHh3YQ%3D%3D&b=t%3AMGkxa3ZbqG-Sv07eGb5Hmw&p=http%3A%2F%2Fbetterthandarkchocolate.tumblr.com%2Fpost%2F34155046456%2Fcoping-with-panic-attacks-workbook&m=1" target="_blank"><span>Module 8: Core Beliefs</span></a><br/> Core beliefs are often at the root of unhelpful thoughts that are particularly difficult to change. This module looks at core beliefs and how to change them. <em>PDF document: 199kb.Updated 22nd June, 2004.</em></li>
</ul>
<ul>
<li><a href="http://t.umblr.com/redirect?z=http%3A%2F%2Fwww.cci.health.wa.gov.au%2Fdocs%2FPanic-09_Exposure-1.pdf&t=MDBkN2E1YWUxN2ExN2YyODRmNzI0YjA5ZWM5NjE4OTg4ZTA2MjE4ZixOUTAxTHh3YQ%3D%3D&b=t%3AMGkxa3ZbqG-Sv07eGb5Hmw&p=http%3A%2F%2Fbetterthandarkchocolate.tumblr.com%2Fpost%2F34155046456%2Fcoping-with-panic-attacks-workbook&m=1" target="_blank"><span>Module 9: Coping with Physical Alarms - Exposure Part 1</span></a><br/> The aim of this InfoPax is to give you information about how to challenge your beliefs about panic symptoms by actually experiencing them. Research has shown that this is particularly important in being able to successfully overcome panic symptoms and distress about panic symptoms. <em>PDF document 225kb. Updated 22nd June, 2004.</em></li>
</ul>
<ul>
<li><a href="http://t.umblr.com/redirect?z=http%3A%2F%2Fwww.cci.health.wa.gov.au%2Fdocs%2FPanic-10_Exposure-2.pdf&t=NDM4NjU5NjJhNWFjZTM1ZTg2YzczNjRhNTVmOGFkMjc1NDk1ZjhjNCxOUTAxTHh3YQ%3D%3D&b=t%3AMGkxa3ZbqG-Sv07eGb5Hmw&p=http%3A%2F%2Fbetterthandarkchocolate.tumblr.com%2Fpost%2F34155046456%2Fcoping-with-panic-attacks-workbook&m=1" target="_blank"><span>Module 10: Coping with Physical Alarms - Exposure part 2</span></a><br/> The aim of this InfoPax module is to give you information about exposure to activities and situations in which you are worried that panic attacks might occur. <em>PDF document: 340kb. Updated 22nd June, 2004.</em></li>
</ul>
<ul>
<li><a href="http://t.umblr.com/redirect?z=http%3A%2F%2Fwww.cci.health.wa.gov.au%2Fdocs%2FPanic-11_Calming-Technique.pdf&t=MDMxMWE2YWM5YTNjYzA1YWM5NzQ1M2E5NTY3MDM4YTE3MjQwN2Q1ZSxOUTAxTHh3YQ%3D%3D&b=t%3AMGkxa3ZbqG-Sv07eGb5Hmw&p=http%3A%2F%2Fbetterthandarkchocolate.tumblr.com%2Fpost%2F34155046456%2Fcoping-with-panic-attacks-workbook&m=1" target="_blank"><span>Module 11: The Calming Technique</span></a><br/> This module describes how you can reduce your anxiety by gaining control of your breathing. <em>PDF document: 243kb. Updated 22nd June, 2004.</em></li>
</ul>
<ul>
<li><a href="http://t.umblr.com/redirect?z=http%3A%2F%2Fwww.cci.health.wa.gov.au%2Fdocs%2FPanic-12_Self-Management.pdf&t=OGM1NmNiNDg5MjA2ZTU3ZDg0Nzk4MWMwYWVjNWU3NTY0YzhmOThmOCxOUTAxTHh3YQ%3D%3D&b=t%3AMGkxa3ZbqG-Sv07eGb5Hmw&p=http%3A%2F%2Fbetterthandarkchocolate.tumblr.com%2Fpost%2F34155046456%2Fcoping-with-panic-attacks-workbook&m=1" target="_blank"><span>Module 12: Self Management</span></a><br/> This final module describes how to maintain gains and continue the progress that has been made throughout the previous modules. <em>PDF document: 213kb. Updated 22nd June, 2004.</em></li>
</ul>
<p></p>
<p style="text-align: center;"><span class="font-size-1"><em><a href="http://betterthandarkchocolate.tumblr.com/post/34155046456/coping-with-panic-attacks-workbook" target="_blank">http://betterthandarkchocolate.tumblr.com/post/34155046456/coping-with-panic-attacks-workbook</a><br/></em></span></p> Families and OCDtag:templeilluminatus.ning.com,2017-02-06:6363372:Topic:32739892017-02-06T01:53:16.194ZLinda M.https://templeilluminatus.ning.com/profile/LindaMann
<h3>If a family member has been told they have OCD, you have surely asked “What can I do to help?” Below is a guide of things you can do to help. This page is intended for family members of older teens and adults with OCD. If your child has OCD, there is a wealth of information for families of children and teens with OCD on our <a href="https://kids.iocdf.org/for-parents/" target="_blank">OCD in Kids</a> website.</h3>
<h2>Learn more about OCD:</h2>
<p class="no-indent">Education is the first…</p>
<h3>If a family member has been told they have OCD, you have surely asked “What can I do to help?” Below is a guide of things you can do to help. This page is intended for family members of older teens and adults with OCD. If your child has OCD, there is a wealth of information for families of children and teens with OCD on our <a href="https://kids.iocdf.org/for-parents/" target="_blank">OCD in Kids</a> website.</h3>
<h2>Learn more about OCD:</h2>
<p class="no-indent">Education is the first step. The more you learn, the more you will be able to help the person with OCD. Get started by:</p>
<ul>
<li>Visiting the <a href="https://iocdf.org/about-ocd/">About OCD</a> section on this website to learn about causes, treatments, and more.</li>
<li><a href="https://iocdf.org/books">Reading books on OCD</a>.</li>
<li><a href="https://iocdf.org/get-involved/membership/">Becoming a member of the International OCD Foundation</a> to receive our quarterly <a href="https://iocdf.org/programs/newsletter/">OCD Newsletter</a> with information on the latest treatments and research, and to stay connected to the IOCDF community.</li>
<li><a href="https://iocdf.org/supportgroups/">Attending an OCD support group for family members</a>.</li>
<li><a href="https://iocdf.org/other-resources">Finding other online research and resources</a>.</li>
</ul>
<p></p>
<h2>Learn to recognize and reduce “Family Accommodation Behaviors:”</h2>
<p>Family Accommodation Behaviors are things families do that enable OCD symptoms. Families are constantly affected by the demands of OCD. Research shows that how a family responds to the OCD may help fuel OCD symptoms.</p>
<p>The more that family members can learn about their responses to OCD, and the impact they have on the person with OCD, the more the family becomes empowered to make a difference!</p>
<p><span>Here are some examples of these problem behaviors:</span></p>
<p><span>Participating in the behavior.</span> You participate in your family member’s OCD behavior along with them. Example: You wash your hands whenever they wash their hands.</p>
<p><span>Assisting in avoiding.</span> You help your family member avoid things that upset them. Example: You do their laundry for them so that it is cleaned the “right” way.</p>
<p><span>Helping with the behavior.</span> You do things for your family member that lets them do OCD behaviors: Example: You buy large amounts of cleaning products for them.</p>
<p><span>Making changes in family routine.</span> You alter the way your family usually does things: Example You change the time of day that you shower or when you change your clothes.</p>
<p><span>Taking on extra responsibilities.</span> Example: You go out of your way to drive them places when they could otherwise drive themselves.</p>
<p><span>Making changes in leisure activities.</span> Example: Your family member gets you to not leave the house without them and this affects your interests in movies, dining out, time with friends, etc.</p>
<p><span>Making changes at your job.</span> Example: You cut back on hours at your job in order to take care of your family member.</p>
<h3>Help your family member find the right treatment.</h3>
<p>The best treatment usually includes medicine, cognitive behavior therapy (CBT) and family education and support.</p>
<h2>Learn how to respond if your family member refuses treatment:</h2>
<p><span>Bring books DVD’s and/or CD’s on OCD into the house.</span> Offer the information to your family member with OCD or leave it in an obvious place so they can read/listen to it on their own.</p>
<p><span>Offer encouragement.</span> Tell the person that through the right treatment most people have a significant decrease in their symptoms. Tell them there is help and there are others with the same problems. Suggest that the person with OCD attend support groups, with or without you, talk to an OCD buddy through online support groups, or speak to a professional in a local OCD clinic.</p>
<p><span>Get support and help yourself.</span> Seek professional advice/help from someone that knows OCD and talk to other family members so you can share your feelings of anger sadness guilt shame and/or isolation. There are several online support groups for family members. You can search for online groups here.</p>
<p><span>Attend a support group.</span> Discuss how other families handle the symptoms and get feedback about how you can deal with your family member’s OCD.</p>
<p><em>By Barbara Livingston Van Noppen Ph.D.</em><br/> <em>Associate Professor University of Southern California</em><br/> <em>International OCD Foundation Scientific Advisory Board</em></p>
<p></p>
<p></p>
<p style="text-align: center;"><span class="font-size-1"><em><a href="https://iocdf.org/families/" target="_blank">https://iocdf.org/families/</a><br/></em></span></p> Self Injury 24 Hour National Crisis Lines Within and Outside The United Statestag:templeilluminatus.ning.com,2016-12-16:6363372:Topic:32603222016-12-16T00:43:22.026ZLinda M.https://templeilluminatus.ning.com/profile/LindaMann
<p><font color="#DA4444" size="3"><font color="#5040AE"><font color="#2A2A2A"><strong>FOR CRISIS HELP YOU CAN CALL THE FOLLOWING NUMBERS</strong></font><br></br><strong> 24 Hour National Crisis Lines</strong></font></font><font size="3"> <font color="#5848B7"><strong>Within The United States</strong></font></font><br></br><strong><br></br> 800-273-TALK (8255) <a href="http://www.nmha.org">www.nmha.org</a><br></br> 800-SUICIDE (784-2433)<br></br> 800-334-HELP (4357)<br></br> 800-799-SAFE (7233)…</strong></p>
<p><font color="#DA4444" size="3"><font color="#5040AE"><font color="#2A2A2A"><strong>FOR CRISIS HELP YOU CAN CALL THE FOLLOWING NUMBERS</strong></font><br/><strong> 24 Hour National Crisis Lines</strong></font></font><font size="3"> <font color="#5848B7"><strong>Within The United States</strong></font></font><br/><strong><br/> 800-273-TALK (8255) <a href="http://www.nmha.org">www.nmha.org</a><br/> 800-SUICIDE (784-2433)<br/> 800-334-HELP (4357)<br/> 800-799-SAFE (7233) Domestic Violence Hotline<br/> 866-4-U-Trevor - for GLBTQ youth (<a href="http://www.thetrevorproject.org">www.thetrevorproject.org</a>)<br/> </strong><strong>888-THE-GLN </strong><strong>(843-4564) Gay and Lesbian National Hotline For all Ages <br/><span> </span>877-332-7333- Teen Hotline<br/> 800-799-4889- Deaf Hotline</strong><br/><span> <strong> 800-DON'T-CUT</strong></span><strong> (366-8288)</strong><br/><span> </span><strong>800-448-3000 - Boys Town National Hotline</strong><br/><strong> 800-656-HOPE (4673) RAINN: Rape, Abuse & Incest National Network</strong><span> </span><br/><font color="#5848B7"> <br/><span><font color="#2A2A2A"> <strong> </strong><font color="#5040AE"> *</font><strong> <font color="#5040AE">County Hotlines for each State. Please type in your state in the search field for the website below:</font></strong><br/><a title="" href="http://www.suicide.org/"><span> <br/><span> </span>www.suicide.org</span><br/><span> </span></a></font><br/></span><strong><font size="3">Outside The United States</font></strong></font><br/><strong><br/><font color="#8D2424" size="3">Australia</font><br/><br/>SANE Helpline<br/>1800 18 SANE (7263)<br/><br/>Help Online:<br/>helpline@sane.org<br/><br/>Headspace Centres Helpline:<br/>1800 55 1800</strong><br/><br/><strong>Lifeline Australia:<br/>13 11 14<br/><br/><font color="#8D2424" size="3">United Kingdom</font><br/><br/>Mind Infoline<br/>0300 123 3393<br/><span><br/></span><span><span><font color="#5040AE">*For more information on helplines in your country go to the Befrienders website:</font></span></span><span><span><br/><br/><span> </span><a href="http://www.befrienders.org">www.befrienders.org</a></span></span></strong></p>