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Tag: Mix

  • Advertising in a Down Economy

    According to Myers Publishing, advertising revenues from almost all sectors will see spending declines from 2008. Recessions can either be viewed as a dark time for advertisers, or the perfect time to balance out your marketing mix with a focus on performance driven results. Companies that plan to keep their advertising budget during this stagnant time will see results if they do the research and find a media mix that works harder for them.

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    http://www.associationofmarketing.org/whitepapers/view.php?whitepaper_id=73

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  • Adding Text Messaging to Your Marketing Mix

    With a consumer culture that has become increasingly reliant on mobile devices, choosing to add text messages to a marketing strategy can be a wise decision for companies looking to stay relevant and fresh. Text messaging marketing represents several unique benefits, allowing sales to be increased at a relatively low overall cost. Unlike traditional advertising methods, text messages are rarely ignored by consumers, further solidifying their role in a well-developed marketing plan. Before launching into the domain of text messaging, it is vital for marketers to keep a few essentials in mind. Utilize the following tips to make certain that text messaging integrates seamlessly into an existing marketing plan…

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    http://www.associationofmarketing.org/articles/view.php?article_id=6783

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  • Your Investing Life™: Step 2—Choosing the right asset mix

    Your Investing Life™: Step 2—Choosing the right asset mix

    Your target asset mix is like a bull’s-eye. Zero in on it, stay focused, and tune out the distractions around you so you can reach your goal.
    Your Investing Life™: Step 2—Choosing the right asset mix
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    https://investornews.vanguard/your-investing-life-step-2-choosing-the-right-asset-mix/

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  • A new transverse tunneling field-effect transistor

    A new transverse tunneling field-effect transistor

    Researchers at the Chinese Academy of Sciences have recently fabricated a transverse tunneling field-effect transistor. This is a semiconductor device that can be used to amplify or switch electrical power or signals, operating through a phenomenon known as quantum tunneling. The new transistor, introduced in a paper published in Nature Electronics, was built using a van der Waals heterostructure, a material with atomically thin layers that do not mix with each other, but are instead attached via van der Waals interactions.

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  • The Health Benefits of Indoor Plants

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    When you think of a house plant, you probably think of a green plant that you water occasionally right? But did you know that those pretty green leaves can actually be beneficial to your health? Having indoor house plants can boost your physical, mental and spiritual health.

    Many people thing growing indoor house plants is too much trouble so they turn to the silk variety for green foliage in their homes. But there really is a different in how your home feels when the plants are real. Did you know that living plants can actually improve the air we breathe? Green plants are known for removing carbon dioxide from the air, but they can also filter harmful toxins and pollutants as well. This will make the air in your home healthier for your family, which in turn can help to keep your family healthier as well!

    In addition to helping to purify the air, having house plants in your home can actually help prevent allergies in children. If children are exposed early in life to things that typically cause allergy issues they will begin to develop a tolerance and immunity to the allergen. It works similar to custom allergy shots that people get from their allergist. The allergist does an allergy test then makes a serum of the things that the person is allergic to. The person gets weekly shots of this serum to help them build a tolerance. Exposing your family to house plants can work in the same way, by helping them build a tolerance to the plants in your home. It is important to note that if someone in your family has severe allergies you should talk to their doctor before introducing house plants into their environment.

    In addition to the physical health benefits of house plants, they help with mental health as well. When someone is depressed or lonely, caring for a living thing can help give them a purpose in life. Many people live in places where pets aren’t allowed, so a house plant is a good choice. The person becomes involved in watering, fertilizing and trimming the plant when needed. This is a great therapy for people with mental health issues.

    Being surrounded by living things is good for the soul, so having house plants is good for your spiritual health. Caring for another living thing and being exposed to the beauty can make you feel at peace with the world or at the very least your little corner of the world.

    There are so many advantages to having house plants. However, there is no health benefit in a sick or dead plant. Make sure you water your plants regularly and mix slow release fertilizer in the soil about every three months. If you care for your plants, they will give you years of beauty and the added benefit of clean air, better mental health and calming peace.

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    Source by Piper Cox

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  • Marketing Strategy: 7 Steps to Market Segmentation

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    Market segmentation is widely defined as being a complex process consisting in two main phases:

    – identification of broad, large markets

    – segmentation of these markets in order to select the most appropriate target markets and develop Marketing mixes accordingly.

    Everyone within the Marketing world knows and speaks of segmentation yet not many truly understand its underlying mechanics, thus failure is just around the corner. What causes this? It has been documented that most marketers fail the segmentation exam and start with a narrow mind and a bunch of misconceptions such as “all teenagers are rebels”, “all elderly women buy the same cosmetics brands” and so on. There are many dimensions to be considered, and uncovering them is certainly an exercise of creativity.

    The most widely employed model of market segmentation comprises 7 steps, each of them designed to encourage the marketer to come with a creative approach.

    STEP 1: Identify and name the broad market

    You have to have figured out by this moment what broad market your business aims at. If your company is already on a market, this can be a starting point; more options are available for a new business but resources would normally be a little limited.

    The biggest challenge is to find the right balance for your business: use your experience, knowledge and common sense to estimate if the market you have just identified earlier is not too narrow or too broad for you.

    STEP 2: Identify and make an inventory of potential customers’ needs

    This step pushes the creativity challenge even farther, since it can be compared to a brainstorming session.

    What you have to figure out is what needs the consumers from the broad market identified earlier might have. The more possible needs you can come up with, the better.

    Got yourself stuck in this stage of segmentation? Try to put yourself into the shoes of your potential customers: why would they buy your product, what could possibly trigger a buying decision? Answering these questions can help you list most needs of potential customers on a given product market.

    STEP 3: Formulate narrower markets

    McCarthy and Perreault suggest forming sub-markets around what you would call your “typical customer”, then aggregate similar people into this segment, on the condition to be able to satisfy their needs using the same Marketing mix.

    Start building a column with dimensions of the major need you try to cover: this will make it easier for you to decide if a given person should be included in the first segment or you should form a new segment. Also create a list of people-related features, demographics included, for each narrow market you form – a further step will ask you to name them.

    There is no exact formula on how to form narrow markets: use your best judgement and experience. Do not avoid asking opinions even from non-Marketing professionals, as different people can have different opinions and you can usually count on at least those items most people agree on.

    STEP 4: Identify the determining dimensions

    Carefully review the list resulted form the previous step. You should have by now a list of need dimensions for each market segment: try to identify those that carry a determining power.

    Reviewing the needs and attitudes of those you included within each market segment can help you figure out the determining dimensions.

    STEP 5: Name possible segment markets

    You have identified the determining dimensions of your market segments, now review them one by one and give them an appropriate name.

    A good way of naming these markets is to rely on the most important determining dimension.

    STEP 6: Evaluate the behavior of market segments

    Once you are done naming each market segment, allow time to consider what other aspects you know about them. It is important for a marketer to understand market behavior and what triggers it. You might notice that, while most segments have similar needs, they’re still different needs: understanding the difference and acting upon it is the key to achieve success using competitive offerings.

    STEP 7: Estimate the size of each market segment

    Each segment identified, named and studied during the previous stages should finally be given an estimate size, even if, for lack of data, it is only a rough estimate.

    Estimates of market segments will come in handy later, by offering a support for sales forecasts and help plan the Marketing mix: the more data we can gather at this moment, the easier further planning and strategy will be.

    These were the steps to segment a market, briefly presented. If performed correctly and thoroughly, you should now be able to have a glimpse of how to build Marketing mixes for each market segment.

    This 7 steps approach to market segmentation is very simple and practical and works for most marketers. However, if you are curious about other methods and want to experiment, you should take a look at computer-aided techniques, such as clustering and positioning.

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    Source by Otilia Otlacan

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  • Alternative Treatment for Smelly Vagina – Can the Black Seed Treatment Cure Yeast Infections?

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    Some women are still having problems of smelly vagina although they have been washing it every day. If this is your case, you should realize by now that symptoms of smelly vagina could be a signal of candida yeast infection. This is especially true, if the bad odor is accompanied by severe itch, thick white discharge, soreness and inflammation on the vagina area.

    Treating candida yeast infection can be rather tricky. Most people who conveniently bought over the counter medications to treat their yeast infections will more often than not be facing recurring symptoms once they stopped taking them. Worst, some of them are even affected by the medications’ side effects.

    Fortunately, there are alternative treatment for smelly vagina that is available which will actually cure candida yeast infection at the same time. You can do the the following tips to treat smelly vagina and yeast infection symptoms.

    1. Apple Cider Vinegar – Wipe the your vagina with a combination of apple cider vinegar and warm water solutions after shower.
    2. Nigella Sativa Oil – Mix a tablespoon of Nigella Sativa oil (Black seed oil) with a tablespoon of olive oil. Rub this potent mixture on the affected areas including the inside of the vagina and leave it for about 20-30 minutes before you can wash them off.
    3. Yogurt – Alternatively, you can also apply pure unsweetened yogurt on the vagina to speed up recovery. Use all of the above as and when necessary until you can see positive results from them.

    This alternative treatment for smelly vagina will produce even better results to your total well-being if they are included in your daily diet. The benefits of Nigella Sativa are simply too much to be listed here. Dubbed as the “cure to all ailments” by medical experts, Nigella Sativa’s potency in curing yeast infection is simply amazing.

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    Source by Sam Simon

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  • Terminal Wealth Dispersion, Life Expectancy and Individual Retirement Accounts

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    Terminal wealth dispersion is the technical term that describes the variability of the future value of investment portfolios. This inevitable variability means that no one knows what the value of their investment portfolio will be when they reach retirement age or at any time during their retirement. And the uncertainty of individual’s life expectancies compounds this problem.

    Hedging against the risks associated with these two factors places an onerous burden on individuals. Although this hedging could result in a very comfortable retirement, if one can afford the hedge and their timing is right, the potential downside risk is so great that it may be deemed unacceptable by many individuals. So one has to ask “Do individuals really prefer to forgo a sure but modest retirement income and play the odds with their retirement savings in hopes of being very well off in retirement?”

    With individual accounts, individuals lose the benefit of the pooling of risks. The two risks that force individuals to over-save are investment risk and the risk of living beyond the average life expectancy. In both cases the outcomes, terminal wealth and life span, are highly variable. When the risks are pooled for a large number of individuals over many overlapping life spans, the average outcomes are highly predictable, which is what makes traditional pension plans work so well.

    Traditional pension plans exist, for all intents and purposes, in perpetuity. This being the case, they can build reserves during good times in the financial markets and weather the bad times, thus enabling them to make consistent payouts to retirees regardless of the timing of their retirement. Unfortunately, individuals do not get to choose their holding periods or the years of their retirement and must take whatever comes along, and what comes along might be good or it might be bad. Thus individuals must set savings goals that are sufficiently high to hedge against the risk of the average return of an investment portfolio over its holding period falling well short of that which would be expected very long term.

    The relatively short duration of individual’s holding periods leave them very susceptible to the effects of market cycles, which are notoriously unpredictable in amplitude and frequency. Being broadly diversified mitigates this risk but does not eliminate it, as it’s entirely possible for a worldwide bear market to occur during one’s holding period. Then at the end of the holding period for wealth accumulation, a second holding period begins, which will be the term of retirement, and this second holding period carries the same risks as the first, but at a time in life when there is no source of income to make up for portfolio under-performance.

    The other component of risk that individuals must hedge is the risk represented by the uncertainty of one’s life span, which means that individuals must aim even higher when setting their savings goals. The managers of large pension plans can depend on retirees living on average for only the average life expectancy of employees who reach retirement age. The average life expectancy for someone who reaches the age of 66 is currently 82 years, and 66 is currently the age when workers are eligible for full Social Security benefits, which makes it a reasonable baseline. Based on those assumptions, the average term of retirement would be 18 years and pension plans should only have to be funded to the extent necessary to cover the cost of this average term of retirement.

    Individuals, however, don’t know how long they’re going to live, so they must over-save to ensure that they don’t run out of money before they run out of time. This need to over-save is independent of the first need, thus the need to over-save is compounded, i.e., an individual needs to save enough to cover the cost of living well beyond the average life expectancy and the targeted amount of savings at retirement age must be great enough to ensure with a reasonably high level of certainty that the actual amount on hand at retirement is at least the bare minimum necessary to get by on.

    A popular estimate of the term of retirement for which individuals must plan is 30 years. Saving enough to cover the cost of a 30-year retirement is a much greater burden than saving for an 18-year retirement, but planning on a shorter retirement exposes individuals to tremendous risk. It also exposes taxpayers to tremendous risk, as individuals who outlive their savings will undoubtedly require some form of public assistance to make ends meet and are likely to become wards of the state when they become physically incapable of caring for themselves.

    An individual who bases their retirement saving on living to the age of 96 but only lives to be 82 will have forgone a lot of pleasures in life, such as travel, fine dining and better vehicles, that they could otherwise have enjoyed. But many individuals just don’t have the level of income required to support the saving rate necessary to amass the wealth required to hedge against the downside of terminal wealth dispersion and the possibility of living well past the average life expectancy. For them it’s not a matter of forgone consumption, it’s a matter of going through life with the knowledge that they are likely to spend their golden years living in abject poverty and that that will be their reward for 40 or 50 years of hard work. And it gets worse!

    Some economists now believe that within 15 years or so, given the current rate of health care inflation, 100% of Social Security benefits will be spent on medical expenses: Medicare Parts B and D premiums, copayments, uncovered expenses and medigap insurance premiums. If that becomes the case, anyone without substantial savings or a defined benefit pension will be looking for public assistance the day after they retire. Although this is probably a worse case scenario, there is a general consensus that individuals retiring today will need to set aside approximately $180,000 for medical expenses not covered by basic Medicare.

    With the situation already at this state, adding private Social Security accounts to the mix would be like throwing gas on a fire, as individual Social Security accounts carry the same risks as other individual retirement accounts. Those who have tried to kill Social Security since its inception find private accounts very appealing. But, not so coincidentally, most of them seem to be in the enviable position of not needing Social Security to support their retirement. More recently, younger workers, too, have come to oppose Social Security, but not for the same reason as the traditional opponents. Young workers may be crushed by the growing burden of Social Security and may never receive any benefits from the system. Those who oppose Social Security simply because it’s a social program should be expending their efforts on reforming it rather than killing it.

    If Social Security had been managed like a pension plan rather than the ilconceived system it is, with today’s workers paying for yesterday’s workers’ retirement, its current situation wouldn’t be so dire. Indeed, it might very well be a fully funded, functional system. CalPERS and other large public employee retirement plans have operated successfully for decades, with success being defined as being able to meet their obligations, not having an adverse effect on the financial markets, no scandalous events attributable to malfeasance by the plans’ sponsors and being free of influence from elected officials. There’s no reason that Social Security can’t also be managed in such a manner. It would literally take an act of Congress to do this, but the hardest part for Congress would be letting the system run without their interfering with its operation.

    Passing off the burden of retirement to individuals was a great deal for corporations but it’s a very poor deal for most individuals, and extending individual accounts to include the Social Security system would only make a bad situation worse. It’s not a poor deal for all individuals because there will be some who can afford to save a substantial portion of their income and whose holding periods will coincide with bull markets, thus putting their wealth in the upper range of their terminal wealth dispersion, and who also live a long, healthy life. They will be the ones who benefit from over-saving and living beyond the average life expectancy, but they may end up forfeiting a portion of their wealth in the form of taxes to support the less fortunate. I don’t believe that is what the public expects from a well-conceived system.

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    Source by Mike Kennedy

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  • Holistic Healthcare versus Traditional Western Medicine

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    The Western medicine community recently asked the question: Will Alternative Healthcare, a.k.a. Holistic, Metaphysical, Energy or Mind, Body, Spirit healing and Western Medicine (WM) merge? This question implies there is reason to wonder and/or we need to consider the benefits a merger might create. The consideration of merging Holistic, Metaphysical, Energy or Mind, Body, Spirit healing and Western Medicine is analogues to comparing apples to oranges. The only comparison between apples and oranges is that they are both fruit–but the comparison ends there. Holistic, Metaphysical, Energy or Mind, Body, Spirit Healing and Western Medicine is diametrically polar opposites with nothing in common, except the subject (you). I will explain.

    In order to understand the ideology of Western Medicine, you need to examine the language used by doctors and researchers. Their choice of words reveals their belief systems and the models they use to understand the way they think healing works. When observing the state of Western Medicine and the unprecedented influence of pharmaceuticals and over-the-counter (OTC) drugs, an interesting paradox arises. The drug companies claim that pharmaceuticals and OTC can do wonders for people: lower cholesterol, end clinical depression, reverse osteoporosis, eliminate allergies, cure cancer, cure MS, calm children and many other similar promises.

    If prescription or OTC drugs are so good for people, where are all the healthy medicated customers? The truth is, there aren’t, any. There’s nobody taking twelve prescriptions or OTC drugs with a clean bill of health. In fact, the more prescriptions a person takes, the worse their overall health. And if you approach the healthiest people you can find and ask what prescription drugs or OTC drugs they’re taking in order to be so healthy, they’ll give you a confused look: Healthy people don’t take prescription or OTC drugs!

    This sort of language is not uncommon from researchers in Western Medicine. They perceive the human body as a battleground on which wars are waged against invaders (viruses, bacterial infections and tumors). Beginning with the Victorian era, Western society has become addicted to quick fixes and results with no effort. Western Medicine has in some instances provided this result. When Western Medicine doesn’t produce a ‘quick fix’ result the answer is: “Sorry, it couldn’t be helped–the surgery was a success, the patient died.” It is interesting to note the AMA reports a dismal success rate–approximately 250,000 people die each year due to misdiagnosis and/or the treatment does little or nothing to improve the person’s health. In other words these people didn’t die due to an illness they died due to the wrong treatment.

    Western Medicine’s theory and doctrines fail to recognize that diseases are not separate from the person. In fact every disease can be more accurately called an expression of the patient’s lifestyle, beliefs, and energies. Cancer is not a tumor, for example: it is a systemic disorder that can only truly be cured by helping to support the body, not by attacking it with chemical bombs or knives. The tumor is merely one physical expression of the systemic disorder, and simply removing the tumor does nothing to cure the disease. The body is designed to heal itself–given it has the proper care–nutrition, herbal supplements, spiritual and emotional well-being.

    The body is designed to heal itself provided it has the proper support to do its job. Traditional Chinese medicine (TCM) is based on a concept of balanced qi (pronounced “chee”), or vital energy, that is believed to flow throughout the body. Qi is proposed to regulate a person’s spiritual, emotional, mental, and physical balance and to be influenced by the opposing forces of yin (negative energy) and yang (positive energy). Disease is proposed to result from the flow of qi being disrupted and yin and yang becoming imbalanced. Among the components of TCM are herbal and nutritional therapy, restorative physical exercises, meditation, acupuncture, and remedial massage.

    Holistic, Metaphysical, Energy or Mind, Body, Spirit healing has existed since the beginning of time amid religious beliefs and practices, along with the mystery, superstition, fear, and misunderstanding. Holistic Healing is now becoming recognized regardless of what anyone chooses to believe or think. Ask almost anyone about their spiritual well-being and they will probably tell you, “Yeah, I am a spiritual person, I go to church frequently.” Therein, the confusion arises out of the association of healing with religion. The majority of people, including religious leaders, do not understand the difference.

    Definition: “HEAL” 1. To restore to health or soundness, 2. To set right, repair, 3. To restore a person to spiritual wholeness, 4. To become whole and sound, to return to health.

    Definition: “SPIRIT” 1. The vital principle or animating force within living beings, Incorporeal consciousness. There are about twelve more elaborations mostly to do with various religious implications.

    Definition: “RELIGION” 1. Belief in and reverence for a supernatural power or powers regarded as creator and governor of the universe, 2. A set of beliefs, values and practices based on the teachings of a religious doctrine.

    Thus, based on Western Medicine’s common interpretations of how things ‘ARE’, many paradoxes are created. The resultant effect is confusion and un-wellness. The Truth, as Carl Jung and others have carefully worded in their writing, is this: Every Thing in the universe is Energy and Consciousness. How anyone thinks or feels about that Fact cannot change it. The purpose of All religions is the recognition that humans have a part of themselves that is not physical and there is a need to explore and experience this aspect of themselves. Part of the intent is to discover one’s purpose and to live in the best way possible. Another part of that goal also includes the attainment of Truth and Spiritual Wellness. However, the result of religious teachings with regard to our Spiritual health has been an abysmal failure. If the most important aspect of our being is our Spiritual self, and it has been neglected, it is a miracle we have existed this long.

    Many churches are in a state of extreme confusion in an attempt to avoid accepting the “Truth.” The greatest struggle is how to incorporate all the now known knowledge and assimilate it into the religious dogma and theology. The problem is the impossibility of reconciling the obvious flaws in most theology and doctrine. The obvious shortcomings and how political and nationalistic and other special interests and agendas have resulted in a history filled with disappointment, tragedy, confusion and religious wars.

    In many cultures it has always been thought and/or known that we are spiritual beings, the biggest exception is in western industrialized cultures that we believe we are people who happen to have a soul. Eastern philosophy believes we are a soul first, housed in this thing called a ‘body.’ The most beautiful and simple interpretation of how everything ‘IS’ can be found in the Native American tradition. “Everything in the universe is Spirit, each thing in it is of the same Spirit and it is all Connected.” This is exactly what we are beginning to understand in science and quantum physics, that everything in the universe is made of the same thing and has a consciousness about it. The two things that frustrate scientists the most is the fact that all these

    things operate across time, space and dimensions they do not yet understand, and the ability of things to operate on inter-dimensional and multi-dimensional levels. A high degree of new understanding about the science and physics of what spiritual really means is now mostly coming from independent researchers. High-tech and aerospace research physicists and scientists, all seem to have a more concise and accurate understanding of Spirit and the Spiritual than those from a theological background.

    The Reality and The Truth of Spirit–In plain language, there is only One God or Universal Energy that Is Everything. There is only One Consciousness. We are only one individuated expression of The One. All the dogma, theology and religious beliefs anyone chooses to pile on this truth is commonly referred to as Bunk. It is the lack of true knowledge and the application of these distortions, which have been the source of all emotional, physical and spiritual problems. Spirit is alive, it is something that is lived and experienced, the surest way to destroy or suppress it is to organize it and institutionalize it.

    Spiritual Experiences teach us: Everything we think or feel affects oneself and others. We need to realize every feeling–anger, fear, hate, sadness, judgment–are mind generated emotions and need to be modified or eliminated. Left to fester–anger, fear, hate, sadness, judgment, creates physical reactions. For every physical reaction, a.k.a. symptoms–i.e. colds, cancer, MS, and everything from A to Z, there is a direct link to mind generated emotions. When these mind generated emotions are eliminated and the wounds created from long term and dysfunctional expressions are healed, the physical manifestation labeled as illness by Western Medicine is eliminated.

    The bottom line is Health and Well-Being is affected by two factions–Doctors and Ministers. Doctors are trained as mechanics who work on the physical mechanism. They are in the Business of “Treatment.” They are Not Trained in the “Art of Healing”. Most doctors do not even understand the most rudimentary concepts of Healing. Most do not realize how they can produce damage and even induce death sentences on their patients.

    There is little difference in the effects produced by an intentional damaging curse or a prayer prayed improperly, bad advice or simply some random negative thought. Ministers are trained in traditional theosophical dogmatic perceptions specific to the cultural religious views they ascribe to. Most people have little concept about True Spirituality or how the universe really operates. As a consequence they convey misinformation, half-truths, superstitions and fears along with a multitude of associated damaging information into a person’s consciousness. The result of which is Confusion and Paradox–which leads to distress, disease and un-wellness.

    Both the good in our lives and the dis-eases we have are the results of our experiences, conditioning and beliefs. It is the experiences, conditioning and beliefs that are counter to our true nature that causes the damage. No matter how dire a client’s predicament seems to be, I Know if they are ‘Willing’ to do the emotional and spiritual work of releasing old habits, beliefs and forgiving, everything can be healed. The word ‘incurable’ used by Western Medicine really only means that the person can not be ‘cured’ by ‘outer’ methods and that they must Go Within to effect their healing. The condition was created as a way to cope–it came from within and can be healed from within. Reference: Heal Your Body, Louise L. Hay

    Since Holistic/Metaphysical Healthcare focuses on supporting the Mind, Body, Spirit to heal itself as it is designed to do and Western Medicine perceives the human body as a battleground on which wars are waged with chemical bombs and scalpels against invaders, how can these divergent ideologies be merged?

    The answer: They can’t be–i.e. water and vinegar doesn’t mix–it is metaphysically impossible. Likewise, it is metaphysically impossible to merge Holistic, Metaphysical, Energy or Mind, Body, Spirit healing and Western Medicine. Anyone who would consider such a merger does not understand the laws of Holistic, Metaphysical, Energy or Mind, Body, Spirit healing.

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    Source by Dorothy M. Neddermeyer, PhD

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