ALL NUTRIENT HAIR PRODUCT RETAIL

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MODERN SALON MAGAZINE

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ALL-NUTRIENT® Shampoos
SULFATE FREE, DEA & MEA FREE


ALL-NUTRIENT® Shampoos establishes a new

standard of excellence with the simple-yet all-important

aspects of preventive hair care: cleansing & moisturizing.

This breakthrough technology uses a plant derived system

to gently cleanse the hair and scalp and protect both against

dryness. Hair is left shiny, manageable and ready to style... beautifully.


COLORSAFE® Nourishing

Shampoo $16



establishes a new standard of excellence with the simple,

yet all-important aspects of preventive hair care:

gentle, plant-derived cleansing & moisturizing.

NUTRITIVECOLORCEUTICALS™ is a concentrated

nutritive system of microproteins,

amino acids, vitamins, minerals and essential fatty acids

to replenish all the vital nutrients color treated hair

needs, combined with natural anti-oxidants, free

radical scavengers and sunscreen to lock-in haircolor.

Colorsafe® Nourishing Shampoo provides ultimate

color protection for healthier color treated hair.



Hydrating Shampoo $16


An enriched, luxurious shampoo with a revitalizing

effect on all types of hair. Uses a plant derived

system to gently cleanse your hair. Enriched with

vitamins, natural plant extracts & essential fatty acids,

Hydrating Shampoo restores natural shine and health

to your hair, along with revitalizing effects on the

roots of the hair.

Color protection formula.





Raspbody Creme Shampoo $12


Captures the essence of earth's natural resources

to gently cleanse your hair while adding exceptional

body and texture to all hair types. Fresh raspberry fruit

extract combines with vitamins A, B-5, E, F, and

rainforest herbs to rejuvenate dull, tired-looking hair,

while also revitalizing your scalp.

Kiwi Shampoo $ 12


Uses a plant derived system to gently cleanse

your hair.

Vitamins E & B5, soy protein & wheat amino acids

nourish and revitalize your hair leaving it healthy

and vibrant with renewed bounce.

Color protection formula.



ClarpHxTM Active Clarifying

Shampoo $16


Unlike typical clarifying shampoos that rely

on strong detergents, ACT Shampoo combines

a plant-derived cleansing system of unparalleled

mildness with unique chelating agents to remove

minerals such as iron, calcium, copper and

manganese from hard water. Also removes

compounds of chlorine, bromine, and iodine

from swimming in pools. In addition, proteins,

vitamins and essential fatty acids nourish your

hair leaving it healthy, shiny and manageable.

Permsafe® Shampoo $10


Maintain the strength and resilience of your perm.

Herbal extracts, natural free-radical inhibitors,

plant proteins and vitamins create a natural

aromatherapy antioxidant treatment to restore

health and vitality to your hair.

The result is vibrant, bouncy, and silky.



Color + Shampoo $14

New! 7 Color + Enhancing Shampoos.



Keep your reds redder, browns brown, blondes

blonde and white hair dazzling bright! Adds

shimmers of color to natural hair.

Maintain that salon fresh color between visits.

Perfect for richer brighter highlights.

Sulfate-Free formula.


Warm Brown: Enhances warm tones in dark,

medium and light brown hair.

Cool Brown: Eliminates warm tones in dark,

medium and light brown hair.

Warm Red: Enhances copper, warm red

and warm brown tones.

Cool Red: Enhances red, cool red brown

and mahogany tones.

Warm Blonde: Enhances warm, gold tones on medium,

dark blonde and light brown hair. Natural Blonde:

Enhances brightness and rich tones to light,

medium, and dark blonde hair.

Cool Violet: Eliminates warm, brassy tones

in dark, medium and light blondes Brightens

highlighted, white and gray hair




ALL-NUTRIENT® Conditioners

ALL-NUTRIENT®



Conditioners replenish vital moisture and add

strength and body. They detangle, repair, nourish

and protect your hair without build-up. Hair becomes

healthier, manageable... and more beautiful.

Hydracreme Conditioner $16



Is a rich blend of essential fatty acids and

biotin to nourish the hair and scalp. Soothing

chamomile relieves over-stressed hair, while

wheat protein and pure natural vitamins restore

its strength and vitality. Regular use will leave

your hair healthy and shiny without weight.

Kiwi Botanical Conditioner $12



This Botanical Formula nourishes the hair and scalp.

Hair is left full-bodied and manageable, with natural

bounce and shine - without weight or build-up.

Can safely be used on all types of hair.

This pH-balanced formulation can be

used as frequently as you like.
Raspbody ConditionerCaptures the essence

of earth's natural resources to nourish hair

and scalp while dramatically increasing body

and shine. Fresh raspberry fruit extract combines

with panthenol, vitamins A,B-5,E,F, and rainforest

herbs to rejuvenate over-worked hair. Whole grain

proteins, marine minerals, jaboncillo extract,

and Babassu oil, rich in emmollients, moisturize

and revitalize your hair leaving it healthy,

shiny and manageable.

COLORSAFE® Nourishing

Conditioner $16


is an advanced botanical formulation created to moisturize,

strengthen and protect color-treated or porous hair.
NUTRITIVECOLORCEUTICALS™ is a concentrated

nutritive system of microproteins, amino acids, vitamins,

minerals and essential fatty acids to

replenish all the vital nutrients color treated hair needs,

combined with natural anti-oxidants, free

radical scavengers and sunscreen to lock-in haircolor.
Colorsafe® Nourishing Conditioner provides ultimate

color protection, enriches your haircolor, revitalizing

your hair leaving it healthy, vibrant and shiny.

ClarpHxTM Active Clarifying

Treatment $16



Contains unique chelating agents that remove minerals

such as iron, calcium, copper, and manganese deposited

on the hair by hard water. Special reducing agents

remove chlorine, bromine and iodine absorbed when

swimming in pools. Use daily in hard water areas or

periodically to remove mineral deposits, medication

or build-up prior to chemical processing to ensure better results.


Colorsafe®Leave-In Conditioner

$14 8.4 OZ / $ 4 2 OZ


Helps prevent UV-B damage - Nourishes and detangles -

Bodifier for fine hair. Designed for ultimate color protection,

this conditioner nourishes color-treated hair with the select

nutrients, proteins and amino acids that are vital to ensure

longer-lasting color and healthier hair. Natural anti-oxidant

and sun protection formula.


Protein Complex $ 12



The ultimate penetrating hair treatment, specially

formulated to add strength to all types of hair.

Mends split ends and revitalizes old perms.

Apply, wait 5 minutes and rinse.
Violet Color MoisturizerBrightens white or

light blond shades and freshens cooler shadesf color.

Use this violet-hued conditioner on frosted, high-lighted,

gray or white hair to restore vibrancy and shine between

color services. Advanced professional formulation gently

bathes hair with moisturizers to leave it looking healthy

and vibrant, with renewed bounce.


Hair ProteinizerSpray-in $ 12



bodifier and conditioner is formulated with nutrients

critical for stronger, healthy hair. your hair is

rejuvenated, magnificently full-bodied and manageable.

Quaternized amino acids and cationic silk and keratin

proteins provide high substantivity from within to

promote lasting benefits, especially on fine, medium

or damaged hair. Contains sunscreen to protect hair

from damaging UV rays.


All-Nutrient Oil $ 15



Unique dual-purpose formula for use on both hair and skin!

Can be used as a hot or cold oil treatment or as a

moisturizing tanning oil. Its pure distilled vegetable oils,

plant extracts and vitamins penetrate deeply to relieve dryness.

Permsafe® Conditioner $12



Maintain the strength and resilience of your perm.

Herbal extracts, natural free-radical inhibitors,

plant proteins and vitamins create a natural aromatherapy

antioxidant treatment to restore health and vitality to your hair.

The result is vibrant, bouncy, and silky.





All-Nutrient Styling Aids



All-Nutrient Styling Aids nourish the hair while

providing the stylist with the products necessary

to create beautiful long-lasting styles.

Available as sprays, cream or gel, the range of

products is designed to give a variety of degrees of hold.

All sprays are non-aerosol, dispensing product in

a controllable manner—without endangering the earth's ozone layer.

The 'PLUS' line of ALL-NUTRIENT styling aids

has the properties of a styling product, each with the '+'

of an additional hair care benefit - additional body, sheen,

or one-step application. ALL-NUTRIENT styling aids

can be used alone or together to meet your needs.

Spray Gel $ 10



This non-aerosol alcohol-free styling spray provides body,

shine and texture while botanical extracts nourish the hair.

No flaking. No drying. No build-up.

Kiwi Freeze ALL-NUTRIENT's

$ 12 8.4 OZ / $4 2OZ



non-aerosol KIWI FREEZE hair spray is quick

drying for exceptional hold, with the bonus of flexibility

of control for styling choice.

Our enhanced formula provides body, texture

and shine—and manageability without weight or build up.

Contains sunscreen protection, too!
Gel+The ultimate in long-lasting hold and volume without

weight- invisibly builds body for even the finest hair.

Amino acids and wheat and soy proteins provide the "+"

of silky, shiny hair. No build-up. Non-flaking


NEW! Raspbody Freeze $ 12 8.4 OZ / $4 2 OZ



ALL-NUTRIENT's non-aerosol RASPBODY FREEZE

hair spray is quick drying for exceptional hold,

with the bonus of flexibility of control for styling choice.

Our enhanced formula provides body, texture and

shine—and manageability without weight or build up.

Contains sunscreen protection, too!


Motion+A $ 14



rich formulation that enables soft, graceful movements

of the hair, with the "+" of hold for styling longevity.

Contains natural botanical extracts, Babassu oil,

Brazil nut oil and hydrolyzed whole oat.


Sculpt + $ 12



The ideal texture designing lotion for the hair artist.

Adds extra body for longer-lasting hairstyles.

Provides pliable hold + shine. Sculpt+ responds to

the stylist’s imagination and creative touch.

The perfect aid for design movement.

Create special styling effects and achieve

immediate sculpted results.


Pomade + $ 12



A rich formulation that enables a smooth hold, twist or lift,

define and shine, texture and thickness to hair thats

wet or dry - curly or straight.




Straight +$ 12



The ultimate in long-lasting hold and volume without

weight- invisibly builds body for even the finest hair.

Amino acids and wheat and soy proteins

provide the "+" of silky, shiny hair. No build-up. Non-flaking.


Polish + $ 14



Rediscover your hair’s natural healthy shine Ultimate shine.

Color-enhancing. Weightless textureALL-NUTRIENT®

polish+ defines & smooths all hair types - wet or dry


Texxure + $12



This new formula, made with Certified Botanical Extracts,

has been engineered to distribute a soft cream textur

e that will lightly drench hair so as to moisturize and

add a flexible hold in one simple step.

This, softly fragranced cream, will add dimension as

well as bounce and manageability to lifeless dry fly away hair.

It's a great fixative for the sleek looks of today's

styling markets. This product has a positive effect on both

wet and dry hair. Smooth, slick, nourish, hold, and

add volume all with texture


Glossé+Versatile styler • Define and shape •

Sleek, healthy hair
• Pliable shiny finish • Color protection


Create sleek definition, smooth and define.

Use glossé+ on wet
hair for blow drying, or shaping.

Use on dry hair for shine and pliable finishes.


Shine+ Serum $ 12


A hair polish complex that also adds body, repairs split ends

and controls frizz. Weightless formula adds luster and

texture with the "+" of sheen. Sun protection formula with

camomile extracts. Apply wet or dry.



RADIANCE + SHEEN + CONTROL FRIZZ


Define+$14



Artistic detail • Smooth and control • Pliable shine •

Define and sleek • Soft texture • Color protection
Use define+ on damp hair to define, sculpt and create

textured looks.
Blow dry for smoother, sleeker looks.


Shine+ Flat-Iron $ 14


Provides smooth thermal protection and shine for all flat iron styling.

Nourishes and seals with vitamins and silk amino

acids while providing anti-static and humidity control.

Sun protection formula.
Directions: Spray onto dry hair section by section prior

to using flat iron.


SMOOTH + PROTECT + HOLD


PlayCment+ $14


Extreme molding taffy • Define to the max • Play-c with matte texture
• C-ment your style • Color protection
Use play Cment+ on wet or dry hair, curly or straight.
Use to play or c-ment.


NEW! Shine+ Gloss-Mist $ 15

SMOOTH + BRILLIANT FINISH


Provides shine, sun protection and seals with

static and
moisture control.
Directions: Spray onto dry hair to add brilliance and

shine for the perfect finish. Use on wet hair for

shine and control.



Foaming Mousse $12



CONVENTIONAL MOUSSE with Sun Protector is a

styling foam formulated to give exceptional body,

sheen and lift with freedom of movement.

It will support and hold the latest creative hair designs.


Shaping & Styling Hair Spray

$ 14 (aerosol)



Designed to adapt to today's styles. Built-in “Climate Control”

won't make your hair feel gummy or tacky under high humidity.



Maximum Hold Hair Spray

(aerosol) $14



This fast-drying formula holds shaped hair and styles longer,

even under windy conditions. It has a strong hold without

weighing down your hair.





ALL-NUTRIENT® Nutritive Therapy

$ 12 8OZ/ $3.50 2 OZ



A synergy of ingredients that nourish, moisturize

and refresh
ALL-NUTRIENT® Nutritive Therapy's hand and

body lotion smoothes, and moisturizes skin with a precious

blend of natural oils, fruit acid complexes and chitosan from

the oceans' depths, leaving skin soft, supple and refreshed.

Skin radiates a sensous, healthy glow.
All-Nutrient Nutritive Therapy's natural ingredients were chosen to aid cell rejuvenation and to improve the skin's natural barrier function, sealing in precious moisture.

HAND BODY's creative formulation complements

skins's natural ingredients, giving it a fresh 'new' appearance

- feeling smooth and pleasing.

.
Refresh



and balance your day.Begin each day with this

natural fresh fragrance massaged onto hands and body.


Rhapsodize



with romantic raspberry.Succulent red berries have

always been a temptation and this fragrance will tempt you.

Camellia and primrose oils soften and moisturize

while fruit acids refresh your skin.


Escape to paradise.



With luscious tropical fruit. this medley of lush fruity

notes lifts your mind on a wave of spirited energy.

Tropical babassu and olive oils lightly hydrate and

stimulate healthy skin.


Island breezes



bring tranquility.Sail away in a mist of seafoam and

spicy citrus to an island scented with tropical fruits and exotic woods. Relax and rejuvenate.




Soothing chamomile



creates HarmonyPrecious blends of essential oils

rejuvenates and moisturizes your skin while the

beautiful aroma of soothing chamomile transports you to that place you want to be.


Frangrance Free



Refresh and balance your day with this natural frangrance-

free moisturizing lotion for hands and body.

Nutritive Therapy Gift Basket $ 17


One 8.8 oz. and two 2 oz. in a decorative

shell basketYour choice of any of the 5 essences
Lemongrass Balmwill reveal the true l

uxurious softness of your skin. The benefits of mineral-rich

waters and therapeutic essential oils are legendary.



Lemongrass Balm$ 15



combines these ancient healing ingredients with

modern cellular research in this intensive hydrating

balm for total skin care.
Pure essential oils of lemongrass and clary sage,

fruit acids and vitamins C, G & A aid in cell rejuvenation and

refresh your skin, revealing its natural, healthy glow.

Shea butter, chitosan and essential oils of palmarosa

and evening primrose nourish and moisturize

while cloaking your skin in a sensual aura of softness.
8.8 oz




Nutritive Glow and Lemongrass

Balm Set$27


Nutritive GlowUncover the healthy vitality of your skin

with this unique formulation.
The benefits of mineral-rich Dead Sea salts combined

with nature's own essential oils have long been known.

Buffered Dead Sea salts will gently slough away dull,

tired skin, revealing the beautiful glow of younger-looking skin.
Pure essential oils will refresh and rejuvenate

while enveloping your skin in a sensual aura of softness.


Nutritive Glow 10 oz. &

Lemongrass Balm 8.8 oz.






We are excited to offer

you this exceptional



Nutritive RubSugar Rub

Spa Treatment $32


Discover how luxurious your skin feels

with this complete skin treatment comprised of

a gentle exfoliator and an intensive moisturizer.

Pure sugar cane crystals smoothly polish away dull,

dry skin, revealing the natural healthy radiance of

younger-looking skin.

Essential oils of palmarosa and ylang ylang, along with natural vitamins, improve elasticity and aid in cell rejuvenation.

Chitosan from the ocean's depths and shea butter

nourish and hydrate your skin, leaving it soft,

supple and refreshed.





ALL NUTRIENTS MSDS ARE AVAILIBLE AT

http://www.all-nutrient.com/msds/anmsds.html

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SERVICES AND EVENTS

CONTACT GINA SAVOY FOR MORE INFO 561 574-5424

CONTACT GINA SAVOY FOR MORE INFO 561 574-5424

CONTACT GINA SAVOY FOR MORE INFO 561 574-5424

CONTACT GINA SAVOY FOR MORE INFO 561 574-5424

LASER HAIR GROWTH

HEALTH INSURANCE COMPLAINT

Get Smart About Insurance!

Finding an insurance company can be a challenge.

http://www.naic.org/

The NAIC’s Consumer Information Source (CIS) provides information about insurance companies you can use BEFORE purchasing insurance.

Using the input fields in the right-hand column of this page, you can access key information about insurance companies, including closed insurance complaints, licensing information and key financial data.
Get More InformationThe NAIC and state insurance regulators are committed to helping every American be a smarter insurance consumer. Our award-winning Insure U education program provides tips and special considerations on a variety of insurance issues. Available in English and Spanish, Insure U also provides insurance information specifically for small business owners.

Visit http://www.insureuonline.org/ to learn more.

File an Insurance Complaint Do you have a specific problem with an insurance company, broker, agent or adjuster?

to file a complaint with your state insurance department.

FLORIDA:

http://servicepoint.fldfs.com/eservice_enu/start.swe?SWECmd=Start&SWEHo=servicepoint.fldfs.com

Division of Consumer Services

http://www.fldfs.com/Consumers/

.

CREDIT CARD COMPLAINTS

www.truthaboutcredit.org
The Federal Reserve Board and other regulators have shocked the banks by proposing strong rules to ban unfair credit card practices that prey upon students and others. We need your help to make their rules final.

If you believe you are the victim of unfair interest rate charges, late
fees or other penalties, or deceptive marketing, and the credit card
company fails to address your complaint, file complaints with your
state Attorney General’s offi ce (www.naag.org) and the national Offi
ce of the Comptroller of the Currency (which regulates most of the
biggest credit card companies and will forward your complaint to a
different regulator if needed).

The Office of the Comptroller of the Currency
Website: www.occ.treas.gov/customer.htm
Email: Customer.Assistance@occ.treas.gov
Phone: 1-800-613-6743
Address: Customer Assistance Group
1301 McKinney Street, Suite 3710
Houston, TX 77010




http://myfloridalegal.com/

Complaints involving credit cards
http://www.federalreserve.gov/pubs/shop/complaints.htm


http://www.naag.org/attorneys_general.php

If you have a problem involving your credit card, first try to resolve it directly with the store or the credit card company. If that doesn’t work, you may want to file a complaint with your state’s attorney general or banking agency. You may also file a complaint with the federal agency responsible for enforcing consumer credit laws for your credit card company.
Credit cards issued by state banks that are members of the Federal Reserve SystemFederal Reserve Consumer HelpPO Box 1200Minneapolis, MN 55480888-851-1920 (Phone)877-766-8533 (TTY)877-888-2520 (Fax)Email:

ConsumerHelp@FederalReserve.gov
http://www.federalreserveconsumerhelp.gov/
See “How to File a Consumer Complaint about a Bank”.
Credit cards issued by banks with “national” in the name or “N.A.” after the nameComptroller of the CurrencyCustomer Assistance Group1301 McKinney Street, Suite 3450Houston, TX 770101 (800) 613-6743 (toll-free)
http://www.occ.treas.gov/


Credit cards issued by state banks that are not members of the Federal Reserve SystemFederal Deposit Insurance CorporationConsumer Response Center2345 Grand Boulevard, Suite 100Kansas City, MO 64108 1 (877) 275-3342 (toll-free)http://www.fdic.gov/

Credit cards issued by federal savings and loan associations and federal savings banksOffice of Thrift SupervisionConsumer Programs1700 G Street, NW, 6th Floor Washington, DC 20552 1 (800) 842-6929 (toll-free)http://www.ots.treas.gov/

Credit cards associated with federal credit unionsNational Credit Union AdministrationOffice of Public and Congressional Affairs1775 Duke StreetAlexandria, VA 22314-34281 (800) 755-1030 (toll free)(703) 518-6409 (Fax)http://www.ncua.gov/

Credit cards issued by finance companies or stores, and matters related to auto dealers, mortgage companies, and credit bureausFederal Trade CommissionConsumer Response Center - 240600 Pennsylvania Avenue, NWWashington, DC 20580 1 (877)-FTC-HELP (1-877-382-4357) (toll-free)http://www.ftc.gov/

Consumer Complaints and Assistance /NATIONAL BANKS

http://www.occ.treas.gov/customer.htm

The OCC's Customer Assistance Group is ready to help customers of national banks with questions or complaints they have about their financial institution. CAG's toll-free lines are open Monday through Friday, 7:00 a.m. to 7:00 p.m., Central Time. You can reach one of OCC's Customer Assistance Specialists by calling: 1-800-613-6743.
Below, you will find a set of questions and answers with information that should prove useful if you have a problem that requires assistance from the OCC.
The following links can be used to navigate within the contents of this page:
What is the OCC? What is a national bank? What Is an Operating Subsidiary (Consumer - Focused) of a National Bank? The OCC Customer Assistance Group (CAG) The OCC's Complaint Process Contacting a Customer Assistance Specialist Filing a Formal Complaint When you need other help
What is the OCC?
Top
The Office of the Comptroller of the Currency (OCC) is a bureau of the United States Department of the Treasury. The OCC charters, regulates, and supervises more than 1,600 national banks and about 50 federal branches of foreign banks in the U.S. (as of September 30, 2008) and their operating subsidiaries to ensure a safe, sound and competitive national banking system that supports the citizens, communities and economy of the United States. The OCC also supervises federally licensed branches and agencies of foreign banks. The national banks fund the OCC through assessments paid by the banks based on their assets and fees they pay for special services.
What Is a National Bank?
Top
A national bank is a financial institution chartered by the OCC . National banks can usually be identified because they have the words "national" or "national association" in their titles or the letters N.A. or NT&SA following their titles. National banks represent about 23 percent of all insured commercial banks in the United States, holding 68 percent of the total assets of the banking system.
What Is an Operating Subsidiary (Consumer-Focused) of a National Bank?
Top
National banks conduct some of their banking activities through companies called operating subsidiaries. These subsidiaries are companies that are owned or controlled by a national bank and that, among other things, offer banking products and services to consumers such as loans, mortgages and leases. The OCC supervises and regulates many of these operating subsidiaries and has created a database of the operating subsidiaries that do business directly with consumers. The information provided in the database is self-reported by the national banks annually as of December 31 pursuant to 12 CFR 5.34(e) (6).
Format
Annual Report of National Bank Operating Subsidiaries That Do Business Directly With Consumers (Once downloaded the Excel list may be sorted as desired.)
Excel HTML
PDF
For a more detailed description of operating subsidiaries (consumer-focused) and the activities they engage in see "Investments and Equities" booklet (PDF)
If You Have a Problem With a National Bank or its Operating Subsidiary
The OCC Customer Assistance Group (CAG)
Top
The OCC Customer Assistance Group was created to answer questions, offer guidance, and assist consumers in resolving complaints about national banks and their subsidiaries.
The first step is to try to resolve a complaint directly with your bank or its operating subsidiary before involving an outside agency. If you are unable to do so or are uncertain about whether your complaint involves an organization that the OCC supervises and regulates, the OCC Customer Assistance Group will try to assist you.
General inquiries about banking laws or practices often can be answered on the phone or through email by a Customer Assistance Specialist. The specialist may also be able to suggest other ways for you to try to resolve your problem directly with the bank or its subsidiary.
The OCC's Complaint Process
Top
When we receive your call about a complaint, a Customer Assistance Specialist will request certain information from you about the issues. The specialist will evaluate your information and attempt to resolve your questions while on the phone. Should the specialist not be able to resolve your complaint immediately, they may request that you submit a formal written complaint or inquiry. The specialist will explain the formal complaint process to you, assign you a case number and explain exactly what information or documents we need you to provide.
When we receive your written complaint or additional documentation that was requested by one of our Customer Assistance Specialists, we will send to you an acknowledgment letter and assign a case number if one was not previously provided. The specialist will research your complaint and contact the bank for a response. The OCC will notify you after the bank or subsidiary responds. The bank or its subsidiary often resolves voluntarily those complaints caused by bank errors or misunderstandings.
Filing a Formal Complaint
Top
There are two ways you can file a formal written complaint with the OCC about a national bank or its operating subsidiary. No special form is required but you may use the Customer Complaint Form provided if you would like. The OCC will accept either the PDF version the form, or a letter containing the information listed below.
PDF
The OCC complaint form (PDF) [En Español (PDF)] is available for Adobe Acrobat version 5.0 and above. You can complete the form on your computer or print it out and complete the form off-line. Either way, sign and date the completed form and mail or fax it to the address below. Adobe® Acrobat® ReaderTM software is required to view and print this form. If Adobe Acrobat is not already installed on your computer, you may download a free copy by visiting Adobe's website.Note: Adobe Acrobat will allow you to complete the form on your computer. You still need to sign and mail the printed form to the Customer Assistance Group in order for us to assist you.
Mail
If you would prefer not to fill out a form, you may mail or fax us a letter. No special form is required, but your letter should identify the national bank or subsidiary about which you have the complaint by providing the bank's (or subsidiary's) full name and address.Additionally, the following information is required:

Your complete name and mailing address as used by the bank;

Your daytime telephone number;

Your account number(s);

A detailed explanation of the complaint or inquiry and description of how you would like the matter resolved;

The signature of the account holder, legal guardian, Power of Attorney, or other person authorized to act for the account holder. If you are not the account holder, you must include documentation indicating your authority; and

Documentation supporting your position.
Sign and date your letter, and mail or fax it to the address below.
You may mail or fax the form or a letter to the Customer Assistance Group at the following address:
Customer Assistance Group1301 McKinney StreetSuite 3450Houston, TX 77010FAX: 713-336-4301
Contacting a Customer Assistance Specialist
Top
You can reach one of the OCC Customer Assistance Specialists by calling our toll free number, 1-800-613-6743, Monday - Friday, 7:00 a.m. to 7:00 p.m., Central Time or by sending an email to Customer.Assistance@occ.treas.gov.
Please be reminded that e-mail is not necessarily secure against interception. Please do not include sensitive information of a personal or confidential nature - such as your bank account, credit card, or social security number.
When You Need Other Help
Top
Many complaints stem from factual or contract disputes between the bank and the customer. Only a court of law can resolve those disputes and award damages. If your case involves such a dispute, we will suggest that you consult an attorney for assistance.
The OCC regulates only national banks and their operating subsidiaries, not all types of financial institutions. If your complaint involves a bank or other institution not regulated by the OCC, we will refer it to another agency. We will notify you if we do so. You should not have to resubmit your complaint or accompanying documentation. However, you may be contacted if the other agency needs additional information.
Pursuant to Federal law, national banks may have subsidiaries, such as securities brokers, providers of investment advice, or insurance brokers, that are regulated by another regulator and not the OCC (such as the SEC, state insurance or securities regulators, or the Federal Reserve). You can find out more about these other regulators by contacting them by phone or visiting these Web sites:
Federal Deposit Insurance Corporation for insured state chartered banks that are not members of the Federal Reserve System and insured branches of foreign banks.
Board of Governors of the Federal Reserve System for state-chartered banks that are members of the Federal Reserve System, for bank holding companies, Edge Act and agreement corporations, and branches and agencies of foreign banking organizations operating in the United States and their parent banks.
Office of Thrift Supervision for federally chartered savings associations, federal saving banks, and SAIF-insured state chartered savings associations.
National Credit Union Administration for credit unions.
Conference of State Bank Supervisors for information about state-chartered banks and thrifts.
National Association of Attorneys General (http://www.naag.org/) for information about state consumer protection.
Securities and Exchange Commission for administration of the federal securities laws.
The U.S. Department of Housing and Urban Development regulates the Real Estate Settlement Procedures Act (RESPA), which governs the information on the nature and costs of certain mortgage related settlement charges.
National Association of Insurance Commissioners (http://www.naic.org/) for information about state regulated insurance activities.
Information reported to the Board of Governors of the Federal Reserve System about banks and their subsidiaries that are part of a bank holding company structure.

How to defend yourself ! from Hospital Costs

October 3, 2008
Thank you for visiting the Fairness Foundation and Hospitalvictims.org. We regret to inform you that recently, our Founder and Chairman, J. Patrick Rooney, passed away. Because of his death, the Board of Trustees has determined that it is necessary to close the Foundation and its advocacy program. Effective the above date, we will no longer accept new clients.
However, the process to negotiate your hospital bills is available to you on our websites through October 31, 2008: www.fairnessfoundation.org or www.hospitalvictims.org. If you follow the recommended steps, you should be able to effectively negotiate an equitable billing.
Sincerely,

http://www.consejohelp.org/hospital.asp

http://www.hospitalvictims.org/Pages/Florida_hospital_prices/Boca_Raton/Boca_Raton_Community_Hospital.htm

Boca Raton Community Hospital Costs

"Let's make it right, together." T

Boca Raton Community

Boca Raton Community Hospital (Boca Raton, FL)charges 370% times its costs. That is 316% times what Johns Hopkins charges!
On average, Boca Raton Community Hospital charges 3.2 times what Johns Hopkins charges, ranked the finest hospital in America.
Look at the price comparisons of Johns Hopkins versus Boca Raton Community Hospital .

Compare OverallCompare Ancillary Services
JOHNS HOPKINS HOSPITAL: The reason for comparing to Johns Hopkins Hospital? It is one of the finest hospitals in America. If they don't overcharge, why should your hospital overcharge?
370%
117%
Mark UpBoca Raton Community Hospital vs. Johns Hopkins
Boca Raton Community Hospital list prices are outrageous. On average Boca Raton Community Hospital grants a 74% discount to people with insurance. How much of a discount did they give you?
If Johns Hopkins is the best hospital in America, why is this hospital so much more expensive?

Bethesda Memorial HospitalLooking for information on a different hospital? Click here.
Bethesda Memorial Hospital (Boynton Beach, FL)charges 500% times its costs. That is 427% times what Johns Hopkins charges!
On average, Bethesda Memorial Hospital charges 4.3 times what Johns Hopkins charges, ranked the finest hospital in America.
Look at the price comparisons of Johns Hopkins versus Bethesda Memorial Hospital .
Compare OverallCompare Ancillary Services
JOHNS HOPKINS HOSPITAL: The reason for comparing to Johns Hopkins Hospital? It is one of the finest hospitals in America. If they don't overcharge, why should your hospital overcharge?
500%
117%
Mark UpBethesda Memorial Hospital vs. Johns Hopkins
Bethesda Memorial Hospital list prices are outrageous. On average Bethesda Memorial Hospital grants a 74% discount to people with insurance. How much of a discount did they give you?
If Johns Hopkins is the best hospital in America, why is this hospital so much more expensive?

Delray Medical CenterLooking for information on a different hospital? Click here.
Delray Medical Center (Delray Beach, FL)charges 582% times its costs. That is 497% times what Johns Hopkins charges!
On average, Delray Medical Center charges 5.0 times what Johns Hopkins charges, ranked the finest hospital in America.
Look at the price comparisons of Johns Hopkins versus Delray Medical Center .
Compare OverallCompare Ancillary Services
JOHNS HOPKINS HOSPITAL: The reason for comparing to Johns Hopkins Hospital? It is one of the finest hospitals in America. If they don't overcharge, why should your hospital overcharge?
582%
117%
Mark UpDelray Medical Center vs. Johns Hopkins
Delray Medical Center list prices are outrageous. On average Delray Medical Center grants a 82% discount to people with insurance. How much of a discount did they give you?
If Johns Hopkins is the best hospital in America, why is this hospital so much more expensive?

Defend Yourself!

"What a relief to know this has been resolved."Susie and Dwight Dodd, 8/30/05Are you one of the over 47 million Americans that are uninsured? Are you facing financially impossible hospital bills?Did you know that you may not have to pay what they say you owe?The Fairness Foundation provides the information and support necessary to help the uninsured negotiate for a reasonable charge.Many not-for-profit hospitals are indeed Very profitable.Informing the hospital that you have no health insurance is the beginning of a financial nightmare for the uninsured! You become a target, much like walking in with a bull’s eye on your chest, all because the uninsured are charged a higher charge than those with insurance or Medicare. Everyone gets a discount on their hospital bill, everyone EXCEPT the uninsured.
Some hospitals now offer "self-pay" discounts to everyone. We have found that the discounts barely make a dent in the overcharged, outrageous bill, in the first place.Many times hospitals refuse to provide a reduction in the uninsured’s bill. Is it fair that you are penalized because you have no one to negotiate a fair and equitable rate? We believe you should have the same consideration of those with insurance.Hospitals have been known to garnish wages, seize cars even take people's homes as payment. They will and do take people to court! Is this fair?Let us help you find your way out of the maze of unreasonable charges! We are here to help.HospitalVictims.org and its team of advocates will show you what type of discount your hospital provides to someone with insurance.We will show you the actual cost to hospitals (as opposed to how much they charge) to provide a service. Those facts will help determine whether the amount you've been charged is reasonable.Keep in mind, even if the hospital gives you a discount, they could still be overcharging. That's important because the courts have repeatedly said that hospitals are only entitled to collect a reasonable amount for their services.If you believe that what you have been charged is unreasonable rate, we'll give you suggestions on how to fight back, we provide ideas on how to protect your assets and your credit. Our suggestions identify steps to get a collection agency to quit harassing you. If it is necessary we will give additional assistance to help you accomplish that. Being uninsured doesn't mean you are without rights.We are here to help!Pulitzer Prize Winning Investigative Journalists Donald L. Bartlett and James B. Steele from their book, "Critical Condition," released October 4, 2004
-->Highlights
Hospital overcharging examples
What hospitals do NOT want you to know
Hospital prices revealed
Get expert advice
Rampant Overcharging:"Almost everybody knows that a hospital stay can be hazardous to your financial health if you don't have insurance. "What isn't so well known is that hospitals charge the highest prices to those who don't have insurance. In other words, those least able to pay are charged the most. In a system riddled with inequities, this may be the most egregious... "Studies show an uninsured person who is not backed by the muscle of a pool is billed three, four, five, sometimes as much as ten times more than an insurance company whose patient has the exact same treatment."

Notice: The Fairness Foundation is only providing information. Such information is not legal advice. Legal advice can only come from a duly-licensed attorney in your State. The Fairness Foundation encourages you to consult with an attorney on legal matters as there are time limits that could adversely affect your legal rights.

How to
Defend
Yourself:
1.Register your case with the Fairness Foundation.
2.Request a copy of the itemized statement from the hospital via telephone.
3. Request a copy of the UB-92 or UB-04 from the hospital in writing. Send the appropriate letter to the hospital or bill collector.
4. Make copies
5. Mail copies to hospital, collection agency, and credit bureaus via certified mail with return receipt.
6. Save a copy for your records.
Rampant Overcharging:
"Almost everybody knows that a hospital stay can be hazardous to your financial health if you don't have insurance.
"What isn't so well known is that hospitals charge the highest prices to those who don't have insurance. In other words, those least able to pay are charged the most. In a system riddled with inequities, this may be the most egregious...
"Studies show an uninsured person who is not backed by the muscle of a pool is billed three, four, five, sometimes as much as ten times more than an insurance company whose patient has the exact same treatment."
~ Pulitzer Prize Winning Investigative Journalists Donald L. Bartlett and James B. Steele from their book, "Critical Condition," released October 4, 2004

Our investigation has uncovered:
Price gouging - many hospitals bill uninsured patients 3 to 4 times what they'd accept as payment from insurance. Examples
Hospitals are merciless with the uninsured - they take homes, savings, ruin credit, and garnish wages all to receive the outrageously high prices they charge the uninsured.
Hospitals make big profits from the uninsured - the typical bill to the uninsured represents a price that's 3 to 4 times the hospital's reported costs
- Report from the Fairness Foundation5835 West 74th StreetIndianapolis, Indiana 46278

HOW TO FILE A HEALTH INFORMATION PRIVACY COMPLAINT WITH THE OFFICE FOR CIVIL RIGHTS

If you believe that a person, agency or organization covered under the HIPAA Privacy Rule ("a covered entity") violated your (or someone else's ) health information privacy rights or committed another violation of the Privacy Rule, you may file a complaint with the Office for Civil Rights (OCR). OCR has authority to receive and investigate complaints against covered entities related to the Privacy Rule. A covered entity is a health plan, health care clearinghouse, and any health care provider who conducts certain health care transactions electronically. For more information about the Privacy Rule, please look at our responses to Frequently Asked Questions (FAQs) and our Privacy Guidance. (See the web link near the bottom of this form.)
Complaints to the Office for Civil Rights must: (1) Be filed in writing, either on paper or electronically; (2) name the entity that is the subject of the complaint and describe the acts or omissions believed to be in violation of the applicable requirements of the Privacy Rule; and (3) be filed within 180 days of when you knew that the act or omission complained of occurred. OCR may extend the 180-day period if you can show "good cause." Any alleged violation must have occurred on or after April 14, 2003 (on or after April 14, 2004 for small health plans), for OCR to have authority to investigate.
Anyone can file written complaints with OCR by mail, fax, or email. If you need help filing a complaint or have a question about the complaint form, please call this OCR toll free number: 1-800-368-1019. OCR has ten regional offices, and each regional office covers certain states. You should send your complaint to the appropriate OCR Regional Office, based on the region where the alleged violation took place. Use the OCR Regions list at the end of this Fact Sheet, or you can look at the regional office map to help you determine where to send your complaint. Complaints should be sent to the attention of the OCR Regional Manager of the appropriate office for your region.
You can submit your complaint in any written format. We recommend that you use the OCR Health Information Privacy Complaint Form which can be found on our web site or at an OCR Regional office. If you prefer, you may submit a written complaint in your own format. Be sure to include the following information in your written complaint:
Your name, full address, home and work telephone numbers, email address.
If you are filing a complaint on someone's behalf, also provide the name of the person on whose behalf you are filing.
Name, full address and phone of the person, agency or organization you believe violated your (or someone else's) health information privacy rights or committed another violation of the Privacy Rule.
Briefly describe what happened. How, why, and when do believe your (or someone else's) health information privacy rights were violated, or the Privacy Rule otherwise was violated?
Any other relevant information.
Please sign your name and date your letter.
The following information is optional:
Do you need special accommodations for us to communicate with you about this complaint?
If we cannot reach you directly, is there someone else we can contact to help us reach you?
Have you filed your complaint somewhere else?

The Privacy Rule, developed under authority of the Health Insurance Portability and Accountability Act of 1996 (HIPAA), prohibits the alleged violating party from taking retaliatory action against anyone for filing a complaint with the Office for Civil Rights. You should notify OCR immediately in the event of any retaliatory action.
To submit a complaint with OCR, please use one of the following methods. If you mail or fax the complaint, be sure to follow the instructions above for determining the correct regional office. Option 1: Open and print out the Health Information Privacy Complaint Form in PDF format (you will need Adobe Reader software) and fill it out. Return the completed complaint to the appropriate OCR Regional Office by mail or fax. Option 2: Download the Health Information Privacy Complaint Form in Microsoft Word format to your own computer, fill out and save the form using Microsoft Word. Use the Tab and Shift/Tab on your keyboard to move from field to field in the form. Then, you can either: (a) print the completed form and mail or fax it to the appropriate OCR Regional Office; or (b) email the form to OCR at OCRComplaint@hhs.gov. Option 3: If you choose not to use the OCR-provided Health Information Privacy Complaint Form (although we recommend that you do), please provide the information specified above and either: (a) send a letter or fax to the appropriate OCR Regional Office; or (b) send an email OCR at OCRComplaint@hhs.gov. If you require an answer regarding a general health information privacy question, please view our Frequently Asked Questions (FAQs). If you still need assistance, you may call OCR (toll-free) at: 1-866-627-7748. You may also send an email to OCRPrivacy@hhs.gov with suggestions regarding future FAQs. Emails will not receive individual responses.

Website: http://www.hhs.gov/ocr/hipaa
OCR Regional Addresses
Region I -CT, ME, MA, NH, RI, VTOffice for Civil RightsU.S. Department of Health & Human ServicesJFK Federal Building - Room 1875Boston, MA 02203(617) 565-1340; (617) 565-1343 (TDD)(617) 565-3809 FAX
Region VI - AR, LA, NM, OK, TXOffice for Civil RightsU.S. Department of Health & Human Services1301 Young Street - Suite 1169Dallas, TX 75202(214) 767-4056; (214) 767-8940 (TDD)(214) 767-0432 FAX
Region II - NJ, NY, PR, VIOffice for Civil RightsU.S. Department of Health & Human Services26 Federal Plaza - Suite 3313New York, NY 10278(212) 264-3313; (212) 264-2355 (TDD)(212) 264-3039 FAX
Region VII - IA, KS, MO, NEOffice for Civil RightsU.S. Department of Health & Human Services601 East 12th Street - Room 248Kansas City, MO 64106(816) 426-7278; (816) 426-7065 (TDD)(816) 426-3686 FAX
Region III - DE, DC, MD, PA, VA, WVOffice for Civil RightsU.S. Department of Health & Human Services150 S. Independence Mall West - Suite 372Philadelphia, PA 19106-3499(215) 861-4441; (215) 861-4440 (TDD)(215) 861-4431 FAX
Region VIII - CO, MT, ND, SD, UT, WYOffice for Civil RightsU.S. Department of Health & Human Services1961 Stout Street - Room 1426Denver, CO 80294(303) 844-2024; (303) 844-3439 (TDD)(303) 844-2025 FAX
Region IV - AL, FL, GA, KY, MS, NC, SC, TNOffice for Civil RightsU.S. Department of Health & Human Services61 Forsyth Street, SW. - Suite 3B70Atlanta, GA 30323(404) 562-7886; (404) 331-2867 (TDD)(404) 562-7881 FAX
Region IX - AZ, CA, HI, NV, AS, GU, The U.S. Affiliated Pacific Island JurisdictionsOffice for Civil RightsU.S. Department of Health & Human Services50 United Nations Plaza - Room 322San Francisco, CA 94102(415) 437-8310; (415) 437-8311 (TDD)(415) 437-8329 FAX
Region V - IL, IN, MI, MN, OH, WIOffice for Civil RightsU.S. Department of Health & Human Services233 N. Michigan Ave. - Suite 240 Chicago, IL 60601(312) 886-2359; (312) 353-5693 (TDD)(312) 886-1807 FAX
Region X - AK, ID, OR, WAOffice for Civil RightsU.S. Department of Health & Human Services2201 Sixth Avenue - Mail Stop RX-11Seattle, WA 98121(206) 615-2290; (206) 615-2296 (TDD)(206) 615-2297 FAX

http://www.consejohelp.org/hospital.asp

ALL NUTRIENT ORGANIC BASE COLOR INGREDIENTS

CONCLUSION:

IN MY OPINION THIS HAIR COLOR IS LIKE A HYBRID,IT USES VERY COMMONLY INGREDIENTS WITH IN THE COSMETIC INDUSTRY,IT IS ALSO MIXED WITH ORGANIC EXTRACTS AND OILS REDUCING TOXICITY AND CONDITIONING THE HAIR .

IT HAS NATURAL AND SYNTETIC SILICONES VERY SIMILAR TO THE BRAZILIAN KERATIN TREATMENT

IN ORDER FOR A HAIR COLOR TO COVER GRAY,LIGTHENING HAIR,DEPOSIT ... IT SHOULD HAVE CERTEIN CHEMICALS STILL

THEY IMPROVED THE FORMULATION AND I HOPE IN THE NEAR FUTURE THEY CAN CHANGE CERTEIN CHEMICALS THAT ARE STILL TOXIC UNDER THE HOLISTIC AND ORGANIC POINT OF VIEW.

IF YOU WANT GO TO LABEL ,BRAZILIAN KERATIN TREATMENT AND LOOK FOR THE INGREDIENTS IN COMMON WITH THIS HAIR COLOR

SILK-WHEAT AMINOACIDS-KERATIN PROTEINS-SULFATE FREE

NO SODIUM LARETH SULFATE -NO COCAMIDE DEA-

NO STEIN

NO COCAMIDOPROPYL BETAINE

MADE WITH RENEWABLE RAIN FOREST RESORCES

CERTIFIED ORGANIC EXTRACTS OF:

CHAMOMILLA RECUTITA MATRICARIA FLOWER

ACHILLEA MILLEFOLIUM

URTICA DIOICA NETTLE

EQUISETUM ARVENSE

ARTICUM LAPPA ROOT

CETEARYL ALCOHOL

HYDROLYZED WHEAT PROTEIN

WHEAT AMINO ACIDS

HYDROLYZED KERATIN PROTEIN

COCO NUCIFERA COCONUT OIL

HELIANTHUS ANNUUS SUNFLOWER SEED OIL

TOCOPHEROL ACETATE

VITIS VINIFERA GRAPESEED OIL

CARYOCAR BRASILENSE PEQUI FRUIT OIL

CETYL ALCOHOL

PPG-3 BENZYL ETHER MYRYSTATE

SILK AMINO ACIDS

PANTHENOL

STEARYL ALCOHOL

PPG-5 CETETH-20

AMODIMETHICONE

OLEYL ALCOHOL

ETHYLHEXYL ISONONANOATE

LINOLEAMIDOPROPYL DIMETHYLAMINE DIMER DILINOOLEATE

QUATERNIUM-91

OLEIC ACID

AMMONIUM HYDROXIDE

SODIUM SARCOSINATE

DICETYL PHOSPHATE

CETETH-10 PHOSPHETE

BUTYLENE GLYCOL

BEHENTRIMONIUM METHOSULFATE

ACETAMIDE MEA

CENTRIMONIUM CHLORIDE

TRIDECETH-12

SODIUM METHABISULFATE

ASCORBIC ACID

ERYTHORBIC ACID

DISODIUM EDTA

FRAGANCE

ALSO MAY COINTAIN:

MATERIAL SAFETY DATA SHEET

http://www.sukesha.com/msds/ANProfCreamHaircolor.pdf

MATERIAL SAFETY DATA SHEET
Manufactured by:
Information#: (800) 221-3496
Chuckles, Inc.
Emergency#: (603) 669-4228
P.O. Box 5126
Date prepared: February 1, 2006
Manchester, NH 03108-5126

May Contain

1-Naphthol, 1-Phenyl-3-Methyl-5-Pyrazolone, 2-Amino-3-Hydroxypyridine, 2-Amino-4-Hydroxyethylamino Anisole Sulfate, 2-Methylresorcinol, 2,5 Diamine Toluene Sulfate, 4,5 Diamino-1-(2 hydroxyethyl)-Pyrazole Sulfate, 4-Amino-2-Hydroxytoluene, 4-Amino-m-Cresol, 4-Chlororesorcinol, 5-Amino-6-Chloro-o-Cresol, 6-Amino-m-Cresol, m-Aminophenol, N,N bis p-Phenylenediamine Sulfate, p-Aminophenol, p-Phenylenediamine, Resorcinol

Skin Contact:
Wash excess material from skin with soap and water.
Eye Contact:
Immediately flush eyes with water for 10 minutes. Consult a physician if irritation occurs.
Inhalation:
If inhaled excessively remove to fresh air.
Ingestion:
Product is not likely to be ingested. If this occurs, treat symptomatically.
Chronic Effects of Overexposure:
None when used as directed.
Toxicological Test Data:
Not results available.
*This Material is in compliance with the toxic substance control act

The Celestine Prophecy

http://www.celestinevision.com/

Global Prayer ProjectPrayer, Meditation & Discussion with James & Salle Redfield

http://www.celestinevision.com/telegatherings/conf092308.mp3

The Celestine Prophecy: An Adventure

by James Redfield

In the rain forests of Peru, an ancient manuscript has been discovered. Within its pages are 9 key insights into life itself -- insights each human being is predicted to grasp sequentially, one insight then another, as we move toward a completely spiritual culture on Earth.
THE CELESTINE PROPHECY tells a gripping story of adventure and discovery, but is also a guidebook that has the power to crystallize your perceptions of why you are where you are in life--and to direct your steps with a new energy and optimism as you head into tomorrow.
This adventure parable is one of modern publishing's greatest success stories. THE CELESTINE PROPHECY spent over 3 years on the New York Times best sellers list and appeared on lists around the world. It was the #1 international bestseller of 1996 (#2 in 1995); in 1995 and 1996, it was the #1 American book in the world.

When author and therapist James Redfield self-published his first novel in 1993, the immediate ground swell of enthusiasm from booksellers and readers made The Celestine Prophecy one of the most successful self-published books of all time.
Since 1994, when Warner Books published The Celestine Prophecy in hard cover, this adventure parable about a spiritual journey to Peru became one of modern publishing's greatest success stories. According to Publishing Trends, The Celestine Prophecy was the #1 international bestseller of 1996 (#2 in 1995).
In 1995 and 1996, it was the #1 American book in the world. This phenomenal novel spent over 3 years on the New York Times bestsellers list and appeared on lists around the world. In 1996, an eagerly awaited sequel, The Tenth Insight: Holding The Vision, which also became an instant bestseller, joined The Celestine Prophecy. The two books spent a combined 74 weeks on the New York Times list, making James Redfield the best-selling hard cover author in the world in 1996, as cited in BP Report (January 1997).

James Redfield was 43 when he published The Celestine Prophecy, which chronicles Nine Insights into a greater spirituality. He has been keenly interested in human spirituality all of his life. Born on March 19, 1950, he grew up in a rural area near Birmingham, Alabama. From an early age, he was motivated by a need for clarity about spiritual matters. Brought up in a Methodist Church that was loving and community-oriented, he was nevertheless frustrated by a lack of answers to his questions about the true nature of spiritual experience. As a young man, he studied Eastern philosophies, including Taoism and Zen, while majoring in sociology at Auburn University. He later received a Master's degree in counseling and spent more than 15 years as a therapist to abused adolescents. During this time, he was drawn into the human potential movement and turned to it for theories about intuitions and psychic phenomena that would help his troubled clients. All along, Redfield was forming ideas that would eventually find their way into The Celestine Prophecy. In 1989, he quit his job as a therapist to write full-time, synthesizing his interest in interactive psychology, Eastern and Western philosophies, science, futurism, ecology, history, and mysticism.
Using an adventure parable approach that has been called "part Indiana Jones, part Scott Peck," The Celestine Prophecy created a model for spiritual perception and actualization that resonated with millions of people and focused on the mysterious coincidences that occur in each of our lives. Disdaining the spotlight himself, Redfield proclaimed in The Celestine Prophecy that each of us must intuit his own spiritual destiny.
As he writes in The Celestine Vision, his non-fiction title published in 1997, "The actual writing of The Celestine Prophecy occurred from January 1989 through April 1991 and was characterized by a sort of trial-and-error process. Quite amazingly, as I remembered earlier experiences and wrote about them, lacing them into an adventure tale, striking coincidences would occur to emphasize the particular points I wanted to make. Books would show up mysteriously, or I would have timely encounters with the exact sort of individuals I was attempting to describe. Sometimes strangers would open up to me for no apparent reason and tell me about their spiritual experiences." Feeling "kind of stuck" at one point, Redfield went to the high-energy vortexes of Sedona, Arizona-an area that he and many others regard as a sacred place. As he recounts in an interview in Body, Mind, Spirit magazine: "I was sitting on a ridge near the Chapel Vortex and trying to work with the notes for the book. It was not coming easily. All of a sudden, a crow flew out of the canyon and right over my head and then flew back into the canyon. I continued to make notes. I was having some trouble getting the story to flow out. The crow came out of the canyon again and flew over me, then back into the canyon, so I went into the canyon, and when I sat down the book just came pouring out." The flow halted, however, when Redfield began sending The Celestine Prophecy to publishers in 1992. He did receive a few offers, but they did not seem right. "The companies all wanted to take between a year and 18 months to get the book out. I felt the book was timely and that we should get it out right away.
"All the coincidences stopped, and I felt dead in the water. I was interpreting the complete lack of publishing opportunity as a failure, a negative event, and that was the interpretation that had stopped the coincidences that I felt had been leading me forward. When I realized what was happening, I snapped to attention and made more revisions to the book, emphasizing this point."
Within days, Redfield heard about a publishing consultant from New York who had just moved into the area. Driven by intuition to seek him out, the two met, and the coincidences began again. Redfield quickly decided to self-publish the book. Just as he went to print, he met Salle Merrill, who brought with her a timely emphasis on the importance of giving. Now husband and wife, James and Salle filled the trunk of their car with copies of The Celestine Prophecy and drove to bookstores, meeting readers and talking about the book. "Of the first 3,000 copies we printed, we mailed or personally gave away 1,500 to small book shops and individuals in Alabama, Florida, North Carolina and Virginia." James recalls in The Celestine Vision, "Word of mouth recommendations took care of everything else." In six months, the book had over 100,000 copies in print, was in all 50 states, and was appearing in countries around the world. "It sold not because of any publicity I did, but because others began to give it to their friends everywhere."
After the self-published book was brought to the attention of Warner Books through a perceptive sales rep, Warner Books bought the rights and published the hard cover edition in March 1994. The book quickly climbed to the #1 position on the New York Times bestsellers list. It remained on that list for more than three years, joined by The Tenth Insight, which built upon the Nine Insights revealed in the first novel.
In October 1997, James Redfield was awarded the highly prestigious Medal of the Presidency of the Italian Senate at the XXIII Pio Manzu International Conference in Rimini, Italy. Pio Manzu is a nongovernmental arm of the United Nations headed up by Mikhail Gorbachev.
James has been widely involved in saving America's last wilderness areas. He has lobbied officially and met socially with Senators and Representatives to promote the Act to Save America's Forests, legislation written by the Washington-based environmental group, Save America's Forests. In early 1999, James Redfield became involved with the Global Renaissance Alliance (GRA), an organization founded by Marianne Williamson and Neale Donald Walsch. GRA's mission is to reawaken people more to the principles of non-violence and the need to infuse spiritual values into the political system.
In the spring of 2000, James joined Millard Fuller, founder of Habitat For Humanity, as the only two recipients of Humanitarian of the Year honors from their alma mater, Auburn University. Two months later, he was honored by the International New Thought Alliance with another Humanitarian of the Year award.
The Celestine series of adventure parables continued in 1999 with the publication of The Secret of Shambhala: In Search of the Eleventh Insight (Warner Books). Set in modern day Tibet, Redfield continued the inspiring journey of The Celestine Prophecy and The Tenth Insight -- carrying readers to a new adventure in a sacred place where truths that can affect all of humanity await. In 2002, James joined author Michael Murphy and filmmaker Sylvia Timbers in a collaborative work entitled God and the Evolving Universe (J.P. Tarcher).
In March 2004, James Redfield was honored by the Wisdom Media Group with the World View Award for engaging the discussion on the nature of human existence and for his ongoing efforts and contributions to the bettering of humanity

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CHERYL'S LAVENDER SOAP & SHAMPOO



Mention Lavender Soap/Shampoo and Cheryl will say "What a wonderful thing!" Of all the Cheryl's Herbs Soap/Shampoos, Lavender is always a sure thing for anybody in any situation. Much like the essential oil of Lavender itself, products made solely from this herb and oil are multipurpose and versatile. There are many good reasons why Lavender Essential Oil is the best selling oil on the market today. Perhaps the most gentle and safe essential oil, Lavender's fresh, delightful herbaceous scent pleases the men and ladies alike.

Cheryl's Herbs Soap/Shampoos are used in just about every way a liquid cleaner is useful. Our unique soap/shampoos are commonly found at sinks as hand soaps and for washing wool or delicate clothing, in the shower for the whole body and they make absolutely fabulous shampoos. Our customers rave about their use as shampoos. When traveling or camping these biodegradable cleaners make packing very simple as you can use one of them for all your washing needs including dishes and laundry. We offer Summer Soap/Shampoo, chock full of known insect repellent herbs and oils which people even use to wash their clothes and sleeping bags before camping but Lavender is a good insect and moth repellent too. From time to time a customer will visit our showroom wearing a nice sweater and inform us that it was handwashed in our Lavender Soap/Shampoo! Natural items are what we like to call gifts of caring and you couldn't go wrong with Cheryl's Herbs Lavender Soap/Shampoo!Manufactured by Cheryl's Herbs with our usual tender loving care, our most simple, biodegradable soap base is very unique containing only Purified Water, Decyl Polyglucose, Vegetable Glycerin, Apple Cider Vinegar and Xanthan Gum. The state of the art soap agent, Decyl Polyglucose, is manufactured from plentiful, renewable vegetation and is earth friendly. It is derived from corn and coconut & palm kernel oils. It can also be described as being made from corn, glucose & starch. Corn supplies the carbohydrates which are converted with fatty alcohols from native oils, such as coconut or palm kernel oil, into alkyl polyglycosides. You won't find a simpler, more natural shampoo base in any health food store across America! For each individual soap/shampoo product we add intensively prepared tea formulas and our famous world-class, quality essential oils to this wonderful base.Because of the extreme gentleness and non-toxicity of Lavender flowers and essential oil, this soap/shampoo is excellent for babies and perfect for those who are extra-sensitive. Our modern culture seems to be producing an increasing amount of individuals extremely sensitive to the common chemicals, dirt, pollution and allergens with which most of us seem to be able to coexist without huge immediate problems. If you know individuals like this or are one yourself you understand the difficulty of finding bodycare products that don't cause skin rashes or breathing discomforts.In the 14th century Lavender water was the remedy for ladies who swooned a lot. There is thought that the current prevalence of headaches has replaced or maybe was the same as "swooning" in past centuries. Historically Lavender was used to scent linens and keep insects away. It actually is a pretty good insect repellent especially for fleas, mosquitoes and moths. Lavender has been a favorite plant grown in monastery gardens for centuries and has been both medicine and perfume since ancient times. Greeks, Romans, Persians burned lavender in rooms during epidemics. Its name is derived from the Latin "lavare" which means, "to wash" Ancient Romans bathed in Lavender and used it to cleanse wounds.
Lavender Essential Oil has been extensively studied with modern research confirming a great many of the famous and historical uses that include relief from itchy skin conditions, skin cell rejuvenation (great for beauty treatments and for routine face cleansing), anti-inflammatory action, antiseptic applications, healing burns & skin problems, respiratory

Modern science has proved that inhaling Lavender Essential Oil is calming and promotes relaxation. Those of you with an affinity toward healing energy work, know this simple fact is just a tiny bit of the far reaching effect a healing agent like this has on our whole person: body, mind & spirit. The beautiful, delicate, floral scent of Lavender Essential Oil is emotionally comforting and balancing, helping us to resolve conflicts in the mind, overcome depression, despair, anxiety, anger and moodiness. Its relaxing effect helps us reach deeper levels of prayer & meditation. Lavender's nurturing character supports personal renewal, inspires gentleness and compassion.

Every time you wash your hands at the sink or take a shower or bath, this healing scent can assist your pursuit of what is truly important in your life.