Thanks so much to each of you who are following this conversation. Thank you for all the suggestions and comments, and additional questions. Here are a few thoughts on topics you have raised.

Dear Wendy,
Thanks for your questions about the sexually abused woman and her new baby. It is very common, in fact predictable, that childhood sexual abuse memories and intrusive thoughts will plague people who have not fully released their sexual abuse on the very deepest levels during and after giving birth to new babies. You mentioned that you did three or four sessions with her; however, they did not sound like our typical Heart-Centered Hypnotherapy release sessions. She needs to do the deeper age regression work regardless of whether they put her on anti-depressants or not.
While people are in their Internships and PTI groups, I often hear the comment, Oh no, not my sexual abuse again! I am so tired of that. Arent I finished with that issue yet?
Sexual abuse is a very traumatic abuse of the Soul, and must continue to be healed on the deepest of levels. This fear that your client has is a perfect place to start her next session. Have her go to the most recent time she felt the fear that she would hurt or kill her baby. The baby she is afraid will be hurt is a terrified part of herself that she is projecting onto this baby.  She needs to get this from her own awareness through the Heart-Centered therapy, so dont tell her but instead allow her to realize it through her work. In the session, when you are healing her inner child after her age regressions, have her connect with her baby (in the form of a second teddy bear), and assure both children that she will keep them safe.
It sounds to me like there is a lot more to this story than sexual abuse; perhaps she was unwanted and there was a contemplated or actual abortion attempt. The womb may have felt toxic or threatening to her. So it is great that you did the womb cleansing and the Ro-han and the discussion about hormones. They are good tools, but they do not get to the source of her terror. Also, group therapy at the hospital will not get her there. 
Again, we want to let her own subconscious mind go back to the source of the fear of killing the baby and resolve the conflict. So you need to do the deeper work with her and if there is a PTI group that she could attend, that would be the best! So refrain from focusing on the anti-depressants right now and just encourage her to come weekly to do this work. This baby is an opportunity for her to heal her issues on a very deep level and I hope she will take it. She is lucky she has you and all the great resources you have to offer her.
Let me know what happens.
Dear Dennis,
Thank you so much for joining in the blogosphere with us. I will speak to your first comment about your office space and releasing emotions. I have found it essential that I, as the therapist, feel completely at ease with the clients outward expression of feelings. That includes being emotionally at ease as well as physically. I have worked in spaces where I felt like you did as far as being concerned about disturbing the neighbors, etc. I found myself becoming more and more tense about the work and that actually does inhibit the client’s expression, of course.
So it is essential that your space is conducive to full expression of sounds and emotions in order for the client to feel relaxed and to achieve the emotional catharsis so necessary to real healing. Remember resistance to anything is fear; whether it is your fear or the clients, it still causes them to resist!
Regarding advertisement, I do feel that a separate web site for your promotion of the hypnotherapy is a very good idea. Why? Because I know this will draw people to you who are looking for what you have and then you dont have to waste valuable therapy time educating them on the benefits of hypnotherapy and trying to convince them to do it.
There are more and more people worldwide who know the benefits of hypnotherapy and are out there searching for someone just like you, in Denmark or anywhere else. So setting this up on a web site will be beneficial to you as well as to the clients who are really needing help.
Good luck!
Dear Maureen,
Thank you so much for finding us in the blogosphere. I have treated one major case of epilepsy with hypnotherapy with great results. She no longer has seizures and can drive without danger. However, her epilepsy was caused from an accident during her twenties and was not from childhood.
In terms of using hypnosis with an individual diagnosed with epilepsy, one useful suggestion is to use an “active-alert” induction rather than the customary “passive-relaxation” hypnotic induction. A relaxation-based induction may exacerbate certain disturbing somatic experiences. Find a previously learned skilled activity for the client to focus on during the induction which will permit the experience of a highly focused but relaxed state conducive to therapeutic interaction. An example in the literature is the playing of the computer game Tetris (American Journal of Clinical Hypnosis, 44:2, October 2001). This approach to induction bears similarity to Mihaly Csikszentmihalyi’s principle of flow, in that it involves a dissociated engagement in a subjectively meaningful, skill-based activity. The article is available on the Resources page for members of the Heart-Centered Therapies Association: search for “The Use of a Skill-Based Activity in Therapeutic Induction” by W. E. Winter. Or just click here.
There may well be physical causes of emotional symptoms. Recent studies reported depression in patients with temporal lobe epilepsy (Tebartz van Elst et al., Biological Psychiatry, 46:1614-23, 1999). Epilepsy is mentioned as one source of stress that leads to dissociation (Harvard Mental Health Letter, January 2005). Bessel A. Van Der Kolk found apparent similarities between some aspects of Temporal Lobe Epilepsy, PTSD, and some long term sequelae of childhood trauma (Anxiety Research, U.K., 1992, volume 4, pp. 199-212).
Let me know how your work with this client progresses.
Thank you for your interest, your comments and questions, and let’s keep the conversation going.

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As I start looking into combining psychotherapy and homeopathy I have been reading texts of various authors, watching interviews with key figures of psychology and thinking about the relevance of the vast work, research and ideas that have gone into the practice of psychology to the work I am doing. I find deeply rooted connection between my work as a homeopathic practitioner and some of the thinkers of psychology. I would like to quote here from Carl Rogers book On Becoming a Person: A Therapist's View of Psychotherapy. Rogers' so called client-centered approach is definitely very close to what I experience as the authentic relationship between therapist and client. As Rogers points it out it can be any relationship between two humans, where at least one of them has the goal of growing towards self-actualization, in simple terms becoming a person he/she seeks to be. I am taking this quote from him because his words remind me of the multi-layered work we do with our clients. Establishing a healing relationship is the heart of what we do. Therefore we can look for the results of our work at the same place: in this relationship. This is the fertile soil homeopathic inquiry will sow its seeds.
Here is Rogers:
"If I can create a relationship characterized on my part:
by a genuineness and transparency, in which I am my real feelings;
by a warm acceptance of and prizing of the other person as a separate individual;
by a sensitive ability to see his world and himself as he sees them;
Then the other individual in the relationship:
will experience and understand aspects of himself which previously he has repressed;
will find himself become better integrated, more able to function effectively;
will become more similar to the person he would like to be;
will be more self-directing and self-confident;
will become more of a person, more unique and more self-expressive;
will be more understanding, more acceptant of others;
will be able to cope with the problems of life more adequately and more comfortably". (Rogers, 1961, p. 37)
I find it intriguing that Rogers statements regarding what happen are very close to what I expect to happen as a result of homeopathic treatment. I understand that the style of inquiry and the spread of issues we address are very different, but nevertheless it is interesting to consider the similarities and learn from the other.
By giving a special kind of attention, Rogers becomes the source of healing. The relationship is what is the central point to healing, the pivot point where clients finds the energy for and direction to healing. In the Sensation Method I (the homeopath) identify the issue, the aspects the person repressed without the conscious participation of the client. Recently I have been leaning towards moving the process of self-discovery and subsequent self-actualization to become the conscious endeavor of client as well as the practitioner. I think it is more humanistic, more approachable and therapeutic, and helps to fill the gap where the limitations of homeopathy would stop us. If we share the responsibility of the process and outcome with the client, we will not lose the case because of outside circumstances. We will have the ability to keep the healing going even without a remedy, while still progressing in the direction the homeopathic inquiry brings us.

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Trait Number One: Passion!

All of these people have discovered a reason, a consuming, energizing, almost obsessive purpose that drives them to do, to grow, and to be more! It gives them the fuel that powers their success train and causes them to tap their potential. It is passion that causes a Pete Rose to continuously dive head first into second base as if he were a rookie playing his first major league game. Its passion that sets the actions of a Lee Iacocca apart from so many others. Its passion that drives the computer scientists through years of dedication to create the kind of breakthroughs that have put men and women in outer space and brought them back. Its passion that causes people to stay up late and get up early. Its passion that people want in their relationships. Passion gives life power and juice and meaning. There is no greatness without a passion to be great, whether its the aspiration of an athlete or an artist, a scientist, or a businessman. We will discover how to unleash this inner force through the power of goals in this article.
Trait Number Two: Belief!

Every religious book on the planet talks about the power and effect of faith and belief on mankind. People who succeed on a major scale differ greatly in their beliefs from those who fail. Our beliefs about what we are and what we can be precisely determines what we will be. If we believe in magic, we will live a magical life. If we believe our life is defined by narrow limits, we have suddenly made those limits real. What we believe to be true, what we believe is possible, becomes whats true, become whats possible. There is a specific scientific way to quickly change your beliefs so that they support you in the attainment of your most desired goals. Many people are passionate, but because of their limiting beliefs about who they are and what they can do, they never take the actions that could make their dream a reality. People who succeed know what they want and believe that they can get it. We will learn about what beliefs are and how to use them.
Passion and belief help to provide the fuel, the propulsion toward excellence. But propulsion is not enough. If it were, it would be enough to fuel a rocket and send it flying blindly toward the heavens. Besides that power, we need a path, an intelligent sense of logical progression. To succeed in hitting our target, we need Trait Number three: Strategy! A strategy is a way of organizing resources. When Steven Spielberg decided to become a film maker, he mapped out a course that would lead to the world he wanted to conquer. He figured out what he wanted to learn, whom he needed to know, and what he needed to do. He had passion, and he had belief, but he also had the strategy that made those things work to their greatest potential. Ronald Reagan has developed certain communication strategies that he uses on a consistent basis to produce the results he desires. Every great entertainer, politician, parent, or employer knows its not enough to have the resources to succeed. One must use those resources in the most effective way. A strategy is recognition that the best talents and ambitions also need to find the right avenue. You can open a door by breaking it down, or you can find the key that opens it intact.
Trait Number Four: Clarity of Values!

When we think of the things that made America great, we think of things like patriotism and pride, a sense of tolerance, and a love of freedom. These things are values, the fundamental, ethical, moral, and practical judgments we make about whats important, what really matters. Values are specific belief systems we have about what is right and wrong for our lives. They are the judgments we make about what makes life worth living. Many people do not have a clear idea of what is important to them. Often individuals do things that afterward they are unhappy with themselves about simply because they are not clear about what they unconsciously believe is right for them and others. When we look at great successes, they are almost always people with a clear fundamental sense about what really matters. Think of Ronald Reagan, John F Kennedy, Martin Luther King, Jr., John Wayne, Jane Fonda. They all have had different visions, but what they have in common is a fundamental moral grounding, a sense of who they are and why they do what they do. An understanding of values is one of the most rewarding and challenging keys to achieving excellence.
As you have probably noticed, all these traits feed on and interact with one another. Is passion affected by beliefs? Of course it is. The more we believe we can accomplish something, the more were usually willing to invest in its achievement. Is belief by itself enough to achieve excellence? Its a good start, but if you believe youre going to see a sunrise and your strategy for achieving that goal is to begin running west, you may have some difficulty. Are our strategies for success affected by our values? You bet. If your strategy for success requires you to do things that do not fit your unconscious beliefs about what is right or wrong for your life, then even the best strategy will not work. This is often seen in individuals who begin to succeed only to end up sabotaging their own success. The problem is there is an internal conflict between the individuals values and strategy for achievement.
Trait Number Five: Energy!

People of excellence take opportunities and shape them. They live as if obsessed with the wondrous opportunities of each day and the recognition that the one thing no one enough of is time. There are many people in this world who have a passion they believe in. Great success is inseparable from the physical, intellectual, and spiritual energy that allows us to make the most of what we have.
Trait Number Six: Bonding Power!

Nearly all successful people have in common an extraordinary ability to bond with others, the ability to connect with and develop rapport with people from a variety of backgrounds and beliefs. The greatest success is not on the stage of the world. It is in the deepest recesses of your own heart. Deep down, everyone needs to form lasting, loving bonds with others. Without that, any success, any excellence, is hollow indeed.
Trait Number Seven: Mastery of Communication!

This is the essence of what this article about. The way we communicate with others and the way we communicate with ourselves ultimately determine the quality of our lives. People who succeed in life are those who have learned how to take any challenge that life gives them and communicate that experience to themselves in a way that causes them to successfully change things.

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There is something incredibly powerful about the natural world and its ability to provide us with a sense of psychological well-being. Because today marks the 40th annual celebration of Earth Day in the United States, it is a good opportunity to tie together a few positive psychology themes with Mother Nature.
I believe positive psychology can inform our connection to nature in two significant ways. First, it provides great interventions to increase our connection to nature and thereby increase our happiness. Second, we must learn to be good stewards of the environment and take care of the natural world around us so future generations may reap the same benefits.

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When exploring for exceptions, be aware that such questions can be phrased to ask for the clients perception of exceptions (individual questions) and the clients perception of what significant others may notice (relationship questions).
Examples of each follow.
Elicit - So when the miracle happens, you and your husband will be talking more about what your day was like and hugging more. Are there times already which are like the miracle - even a little bit? If your husband was here and I were to ask him the same question, what do you think he would say?
Amplify - When was the last time you and your husband talked more and hugged more? Tell me more about that time. What was it like? What did you talk about? What did you say? When he said that, what did you do? What did he do then? How was that for you? Was else was different about that time?
If he were here, what else might he say about that time?
Reinforce - Nonverbally:  Lean forward raise eyebrows, take notes. Do what you naturally do when someone tells you something important. Verbally: Show interest. (Was this new for you and him? Did it surprise you that this happened?) And compliment. (Seems like that might have been difficult for you to do, given everything thats happened in the relationship. Was it difficult?)
Explore how the exception happened - What do you suppose you did to make that happen? If your husband was here and I asked him, what do you suppose he would say you did that helped him to tell you more about his day?
Use compliments - Where did you get the idea to do it that way? That seems to make a lot of sense. Have you always been able to come up with ideas about what to do in difficult situations like this?
Project exceptions into the future - On a scale of 1 to 10, where 1 means every chance, what are the chances that a time like that (the exception) will happen again in the next week (month, sometime in the future)? What will take for that to happen?)
What will it take for that to happen more often in the future? Who has to do what to make it happen again? What is the most important thing for you to remember to do to make sure that (the exception) has the best chance of happening again? Whats the next most important thing to remember?
What do you think your husband would say the chances are that this (the exception) will happen again? What would he say you could do to increase the chances of that happening again? Suppose you decide to do that, what do you think he would do? Suppose he did that, how would things be different for youaround your house in your relationship with him? 
(De Jong Kim Berg, 2002, pp. 302-303)
Scaling Questions
Scaling questions invite clients to perceive their problem on a continuum. Scaling questions ask clients to consider their position on a scale (usually from 1 to 10, with one being the least desirable situation and 10 being the most desirable). Scaling questions can be a helpful way to track coachees progress toward goals and monitor incremental change.
To use these types of questions, the therapist begins by describing a scale from one to ten where each number represents a rating of the clients complaint(s). The therapist might say, On a scale of one to ten, with one being the worst this problem has ever been, and ten being the best things could be, where would you rate things today?
Once a therapist is given a number, he or she explores how that rating translates into action-talk. For example, if the client rates his or her situation at a three, the therapist asks, What specifically is happening to indicate to you that it is a three? The next step is to determine the goals and preferred outcomes. To do this the therapist asks the client where things would need to be for him or her to feel that the goals of treatment have been met or that therapy has been successful.
We aim for small changes that will represent progress in the direction of goals and preferred outcomes. (Bertolino OHanlon, 2002, pg. 4)
Examples of scaling questions include:
You said that things are between a 5 and a 6. What would need to happen so that you could say things were between a 6 and a 7?
How confident are you that you could have a good day like you did last week, on a scale of zero to ten, where zero equals no confidence and ten means you have every confidence?
Presupposing Change
When clients are focused on changing the negative aspects (or problems) in their lives, positive changes can often be overlooked, minimized or discounted due to the ongoing presence of the problem.
The solution focused approach challenges counsellors to be attentive to positive changes (however small) that occur in their clients lives. Questions that presuppose change can be useful in assisting clients to recognise such changes. Questions such as, s different, or better since I saw you last time? This question invites clients to consider the possibility that change (perhaps positive change) has recently occurred in their lives.
If evidence of positive change is unavailable, counsellors can pursue a line of questioning that relates to the clients ability to cope.

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3/26/09
The hour has arrived for us to say a final farewell to the late Mother Teresa. We are coming here from many corners of the world to demonstrate our affection and gratitude and render a fitting homage. From the cold bier, the unforgettable and dear mother continues to speak to us and seems to repeat the Lords words - it is more blessed to give than receive.

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This unique approach to elementary science education provides educators with the theory, instructional guidelines, illustrative case studies, and a variety of pedagogical and assessment tools necessary for teaching elementary school students about scientific inquiry. This text describes how elementary teachers can successfully teach their students about scientific inquiry, providing a bridge between theory and sound instructional practice. Teachers are provided with clear guidelines for developing inquiry units in action, as well as information and examples of lessons aimed at specific inquiry skills that are compatible with national standards in science education. Etheredge and Rudnitsky offer guidance and concrete examples of formative and summative assessment, and strive to help teachers connect scientific inquiry to other aspects of science teaching and the curriculum.

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given.
Final Project Case Description
The Novice Counselor is hypothetically working at Community Mental Health Center where she is treating a low income client struggling with low self-esteem. The client is a thirty-two year old African American female with two children. She is divorced and is having trouble finding a job while receiving public assistance. Her husband is not paying any child support and has had a history of verbally abusing the client. She is struggling to make ends meet and blames herself for not being able to find a job and for the failure of her marriage. The client has a negative view of herself, feeling she is not attractive enough to find a mate, and does not have any useful skills that would enable her to find a job. She also feels that she is not a good mother to her children. Her low self-esteem also keeps her from applying for jobs as she feels she doesnt have anything to contribute to society.
The therapist will be using Rational Emotive Behavior Therapy as the primary intervention for this client. One reason for selecting REBT is its efficacy for changing irrational thinking and beliefs which may play a role in issues of self-esteem. Another reason for selecting REBT is the learners interest in researching intervention modes for self-esteem issues. Such issues play a role in many clients profiles.
The Nature of Self-Esteem
Among psychosocial resources, higher levels of self-esteem have been shown to predict fewer stressors over time. Self-esteem has been associated with the use of problem-focused and active coping, lesser use of avoidance coping, and greater persistence in the case of failure or setbacks. Self-esteem may inhibit stress proliferation indirectly through its effect on choice of coping strategy, in particular, the positive association with problem-focused coping and negative association with avoidance (Barker, 2007).
Causes of Low Self-Esteem
Why self-esteem is Important
According to Dr. Sorensen of the Self-Esteem Institute, low self-esteem is actually a thinking disorder in which an individual views himself as inadequate, unworthy, unlovable, and/or incompetent. Once formed, this negative view of self permeates every thought, producing faulty assumptions and ongoing self-defeating behavior. Cognitive symptoms and consequences of low self-esteem include faulty self-image (the inaccurate view of oneself as inadequate, unlovable, unworthy, and/or incompetent). Emotional Symptoms and consequences of low self-esteem include discouragement, fear and anxiety of making mistakes, being rejected, or looking foolish or inadequate, and hypersensitivity (Sorensen, 2009). Low self-esteem serves as a risk factor for depression, especially in the face of major life stressors. Higher levels of self-esteem have been shown to predict fewer stressors over time. Self-esteem has been associated with the use of problem-focused and active coping, lesser use of avoidance coping behaviors, such as behavioral disengagement and emotional venting, and greater persistence in the face of failure or setbacks . Self-esteem seems to buffer or moderate the impact of negative events. Conversely, low self-esteem opens a door of vulnerability to negative outcomes associated with exposure to stressful experiences, such as depressive symptoms, which in turn generate further stressful experiences. (Barker, 2007)
How Low Self-Esteem Will Be Treated
A key aspect of REBT is that people are not disturbed by events per se but by the views and beliefs they have of the events. Irrational beliefs are illogical, rigid and inconsistent with reality whereas rational beliefs are logical, flexible and consistent with reality. As a consequence of holding irrational beliefs, people develop unhealthy emotions, dysfunctional behaviors and psychological disturbance. By disputing their irrational beliefs, people can acquire more rational and realistic ways of thinking that will produce greater acceptance of the self and greater satisfaction with life (Davies, 2006).
REBT is an active-directive, persuasive approach to therapy. (Ellis, 2000). Thus, the therapist will use an educational model when utilizing REBT. The therapist will explain to the client the basic nature of REBT and give examples of irrational beliefs. These include:
It is a dire necessity for one to be loved and approved by virtually every significant other in ones community.
One absolutely must be competent, adequate, and achieving in all important respects or else one is an inadequate, worthless person.
People absolutely must act considerately and fairly and they are damnable fools if they do not.
It is awful and terrible when things are not the way one would very much like them to be.
Emotional disturbance is mainly externally caused and people have little or no ability to increase or decrease their dysfunctional feelings and behaviors.
If something is or may be dangerous or fearsome, one should be constantly and excessively concerned about it and should keep dwelling on the possibility of its occurring.
One cannot and must not face life’s responsibilities and difficulties and it is easier to avoid them.
One must be quite dependent on others and need them and cannot mainly run ones own life.
One’s past history is an all-important determiner of one’s present behavior and because something once strongly affected one’s life, it should indefinitely have a similar effect.
Other people’s disturbances are horrible and one must feel very upset about them.
There is invariably a right, precise, and perfect solution to human problems and it is awful if this perfect solution is not found.
The client will be taught how to identify her own self-defeating ideas, thoughts, beliefs and actions and replace them with more effective, life-enhancing ones. In order to accomplish this, the therapist will focus on a specific problem which the client brings up and identify the irrational beliefs associated with this problem. The client will be encouraged to use REBT self-help forms (Weinrach, Ellis, et.al., 2007), during her spare time and during sessions to identify and dispute her irrational beliefs. Once irrational beliefs are identified, the therapist along with the client will begin the process of disputing these beliefs.
The ABC Model
This model is the essence of REBT and is used to detect irrational beliefs and ideas, to debate and discuss them, and to create new ideas, attitudes, and beliefs (Capuzzi and Gross, 2007).
(A) Stands for the activating event. Before the individual experiences behavioral and emotional consequences (C), he or she interprets and judges the activating event by his or her own system of ideas, attitudes, and beliefs, (B). It is in (B) that one must look for phrases like “must, should, need, ought to, have to”, which tend to be irrational and need to be disputed. (C) are the behavioral and emotional consequences of the irrational beliefs. These three steps are explained to the client.

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Welcome! If you have read the Harry Potter books or watched the movie, you may remember that Professor Dumbledore has a , a magic font in which he can store his memories and thoughts to reflect on later.
This is my pensieve, which I decided to share with the world in case there is anything here which is of interest to others.
Please feel free to make comments, I am keen to learn from other points of view.
While I cannot know what the future will bring,
I know what I can bring to the future.

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Welcome! If you have read the Harry Potter books or watched the movie, you may remember that Professor Dumbledore has a , a magic font in which he can store his memories and thoughts to reflect on later.
This is my pensieve, which I decided to share with the world in case there is anything here which is of interest to others.
Please feel free to make comments, I am keen to learn from other points of view.
While I cannot know what the future will bring,
I know what I can bring to the future.

Similar posts: client centered therapy

Author: Pierre Bourdieu "Much orthodox economic theory is based on assumptions which are treated as self-evident: supply and demand are regarded as independent entities, the individual is assumed to be a rational agent who knows his interests and how to make decisions corresponding to them, and so on. But one has only to examine an economic transaction closely, as Pierre Bourdieu does here for the buying and selling of houses, to see that these abstract assumptions cannot explain what happens in reality." "As Bourdieu shows, the market is constructed by the state, which can decide, for example, whether to promote private housing or collective provision. And the individuals involved in the transaction are immersed in symbolic constructions which constitute, in a strong sense, the value of houses, neighbourhoods and towns." "The abstract and illusory nature of the assumptions of orthodox economic theory has been criticized by some economists, but Bourdieu argues that we must go further. Supply, demand, the market and even the buyer and seller are products of a process of social construction, and so-called 'economic' processes can be adequately described only by calling on sociological methods. Instead of seeing the two disciplines in antagonistic terms, it is time to recognize that sociology and economics are in fact part of a single discipline, the object of which is the analysis of social facts, of which economic transactions are in the end merely one aspect." This study by the most original sociologist of postwar France will be essential reading for students and scholars of sociology, economics, anthropology and related disciplines.

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1. Create a Memorial. Depending on the circumstances and the person you may want to create roadside memorial, a home shrine or a bulletin board filled with letters, notes, poems and pictures. You may decide to create a sculpture, a collage or fill a scrapbook with memories.

2. Help to plan and organize the funeral, memorial service, or celebration of life to honor the person who has died. Planning a service, tending to the details, is something active to do, during a time when people often feel helpless.

3. Plant a tree or flowers in a garden in memory of the person lost.

4. Donate--money, time, food, clothing or other needed items--to a favorite charity, homeless shelter, animal shelter or home for abused women.

5. Donate blood at your local blood center. Donating is another way of doing something active and giving something back.

6. Write sympathy and condolence notes, letters of encouragement and support to those affected by the loss.

7. Thank the emergency and hospital personnel, highway patrol, police and firefighters for helping if the loss involved an accident or emergency.

8. Be kind to others. Make space for the car merging in on the freeway. Don't use your horn unless it is absolutely necessary. Let someone with fewer items go first in the grocery store.

9. Perform random acts of kindness. This will help to remind one there is tenderness and thoughtfulness in the world. Pay the bridge toll for the person behind you. Smile at the store clerk. Some choose to perform random acts of kindness in memory of the person lost.

10. Volunteer your services or skills. Offer assistance to someone in need.

11. Do something that can benefit others. Take a first aid or CPR class.

12. Remember to tell your loved ones, friends and family how much you care about them often.

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Author: Shane Barker

The death of a loved one is never easy. Not only is it emotionally disturbing, but financially as well. So if youre suffering from depression caused by the loss of a loved one, you hardly have time to notice your mortgage bills sitting their on your kitchen table. When you are not able to pay these mortgage bills, you might be in danger of losing your house as well.

Foreclosures happen when monthly payments for mortgage loans are not met. When a month has gone by since your last bill was sent to you and you still are unable to meet the monthly dues, a notice of a foreclosure will be sent to you.

What is a foreclosure?

In mortgage deals concerning real estate property such as a house, the house is held as a security for the payment of loans. This means that the mortgagor (the owner of the house) his or her house for a lump sum or an amount loaned by a bank but the mortgagor still maintains ownership of the house by paying mortgage bills. In the event that the mortgagor is unable to pay these bills or satisfy any other requirements that are specified on the bond or deal, a foreclosure can happen. A foreclosure is essentially a legal step that the lender makes when a loan is defaulted. The lender does this to recover the amount owed by the mortgagor. The foreclosure process begins when the lender issues a public notice of a default called a Notice of Default or Lis Pendens.

Foreclosures usually end in three ways: 1) through a pre-foreclosure, 2) through a public auction and 3) repossession

What is a pre-foreclosure?

In a pre-foreclosure, the debtor reinstates the loan either through a mortgage modification process wherein he or she pursues another mortgage package or agrees to pay the amount of debt he or she has in a span of time set by the bank or as stated in mortgage laws governing the area. This period is called a redemption period. It usually lasts only a month after the petitioning for the foreclosure.

How does a foreclosure end through a public auction?

A foreclosure can be settled through a public auction if both parties (the bank or lender and the mortgagor) agree to settle their dispute through a public auction. During the redemption period, the debtor puts up his or her property for sale in an auction to pay off his or her remaining loan balance. In this case, the debtor is agrees to sell his or her property and the rights to it to the highest bidder of the public auction.

What is repossession?

Repossessions happen when the mortgagor has exhausted all means of paying this or her debts to bank or lender. The bank or lender will take over the ownership of the house to compensate for the financial loss it has incurred throughout the mortgage period. A repossession greatly damages a persons credit history.

A foreclosure that ends in any one of the abovementioned ways can destroy ones credibility and can hamper a persons borrowing power. Either that or you lose any money you would have earned in selling the property. Fortunately, there is hope. There is a company in California that purchases properties directly from the owners. Cashout Options is the company that will provide you with suitable foreclosure solutions and present to you a viable and hard to resist all cash offer. Cashout Options has experts that will help you in stopping foreclosures and save you from incurring a dent in your credit history. It has an outstanding group of personnel to supply you with the adequate foreclosure assistance that you need. With its short sale services, you can be assured that you will get the best and fastest deals while still avoiding foreclosures. By filling up an online request form, Cashout Options will try to get in touch with you in as fast as 48 hours and will provide you with all the foreclosure help that you need.

Article Source: http://www.articlesbase.com/online-business-articles/struggling-with-foreclosures-in-time-of-bereavement-258709.html

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Cashout Options has experts that will help you in stopping foreclosures and save you from incurring a dent in your credit history. With its short sale services, you can be assured that you will get the best and fastest deals while still avoiding foreclosures .

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