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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

    Views: 0

  • How to Transition to a Bodybuilding Lifestyle

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    Many of us spend time looking in the mirror, wishing for this or that, but the bottom line is that we as humans strive for improvement. Think about how great it feels to accomplish something big and see yourself rewarded for it. Looking at the mirror thinking about how you can improve your physique can be related. Improving your physique is a lot like improving other areas of your life. You’ll feel very accomplished when seeing results, and in turn, motivating yourself to strive to get better. Many of us want the end result, but in order to get that end results, you have to work for it. You won’t get a bachelor’s, or masters, or PhD by wishing you had one. These are all separate goals or achievements in the education process, just like you may have certain steps or goals for your physique accomplishment. The big problem here is transitioning into a healthy lifestyle or a bodybuilding lifestyle. This article will provide you with a step-by-step process on how you can transition from your current lifestyle, into a bodybuilding lifestyle or at least a lifestyle revolved around fitness and improving your physique.

    Step 1: Desire the change

    The first thing you need to do is to WANT the change in lifestyle. If you aren’t committed towards this lifestyle then it will eat you up. You have to want this. Some people are in unfortunate situations where they NEED it. Let’s hope you aren’t at that point because if you need it, but don’t want the change, that can be a serious problem. If you are serious about the lifestyle and desire the change, then you’ll be a lot more motivated. Motivation is key because increased drive can spell more desired results!

    Step 2: Seek Support

    No matter how much you think you know, there is always more to be learned. Bodybuilders at all stages of the game still always seek support from other people and it’s this support that can really help their physique grow. Thinking you know everything can lead you down the wrong path. Despite my experience as a bodybuilder, I’m always looking for more information or taking advice from competitors and coaches. Information can be a key to success.

    Step 3: Be consistent

    We want results that will last, not temporary results. Being consistent will help you establish results that will stick with you for the rest of your life. Continuing to pursue bodybuilding or a healthy lifestyle will give you just that, a healthy lifestyle. One of the biggest ways to achieve your best physique possible is by constantly putting in the work day in and day out.

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    Source by Michael Caputo

    Views: 0

  • 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

    Views: 0

  • Make Dry Ice Blasting Your Small Business Opportunity

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    What is dry ice blasting? Dry ice blasting is a form of abrasive blasting industrial cleaning that uses a solid form of carbon dioxide known as dry ice. Pellets or ice is shot through pressurized air stream of either one hose or two hose machines.

    Which system is best? Most systems today are the single hose technology. Technology using the single hose was created by the Cold Jet company in 1986. One advantage of the single hose system is that it avoids the possible dangers of a pressurized hopper by the use of a quick cycle airlock. Another advantage of the single hose system is that it has more power and you can use a longer hose.

    Making massive money! There are many ways to make money cleaning with dry ice. Many people prefer dry ice blasting for paint removal, because it is less harsh than sand blasting. Another great business opportunity is to clean food processing equipment. Because it can decontaminate surfaces that could contain salmonella and e. Coli. Dry ice can clean without residue so the environmental protection agency prefers it to many kinds of solvent based cleaners. The aerospace industry also uses dry ice blasting to sensitive equipment like clean semiconductors. Manufacturers are also a great business opportunity because cleaning with cold can be used for maintaining their equipment and can drastically reduce their down time.

    The freeze jet is just one of several different types of dry ice blasting equipment. For around $3,000 you can usually purchase a dry ice blasting machine.

    What about safety? How safe is this type of industrial cleaning? Cleaning with cold (normal pressure is -78 c(-108 f) can be toxic if the concentration is over 1%. Asphyxia can be caused because of oxygen removal so dry ice must be used in a well ventilated area.

    Safety Equipment: Typical safety equipment will include a positive pressure blast hood or helmet. Air hoses are attached to a grade D pressurized air supply, which is mandated by Occupational Safety and Health Administration (OSHA). Also using ear plugs for hearing protection is part of the usual safety equipment. Body protection usually includes gloves and overalls as well as a leather coat and chaps.

    What fees can I charge? How much money can I make in this industrial cleaning business? Total typical fees can range in the $300.00 per hour range, so it can be one of the more lucrative types of industrial cleaning.

    The Benefits of Dry Ice Blasting: This type of industrial Cleaning meets EPA, USDA, and FDA guidelines. Has less clean up of the waste material. Extends the life of the equipment. Cleans more thoroughly. Reduces or eliminates equipment damage. Provides a safer cleaning environment. Is Non-polluting and environmental friendly. Can destroy and eliminate bacterial and fungal growth.

    How can I get started? You can get started with your small business by beginning with a business plan. A business plan is a formal statement of business goals, reasons they are attainable, and plans for reaching them. It may also contain background information about the organization or team attempting to reach those goals. It should also contain a good marketing plan. Then apply for small business government grants or small business loans, so you can purchase equipment.

    Having your own business can help you to end money worries. Having a business plan is essential to having a successful small business. Knowing how to market your small business for little or no money is an important key to your business success as well. Imagine how much more profit you can have when you don’t have to budget much on advertising.

    Get colossal cash from government contracts. Companies interested in selling their products and services to the federal government (the United States General Services Administration) can prepare by fulfilling applicable requirements, and registering in the appropriate systems. Companies may also participate by seeking sub-contracting opportunities with current contract holders. The General Services Administration provides and contracts for Billions of dollars’ worth of products and services for federal agencies.

    In summary dry ice blasting can be an extremely profitable business and helps with the environment as well.

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    Source by Brian Mahoney

    Views: 0

  • Warning Regarding Holly Mann’s Honest Riches

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    I like Holly Mann’s E-book on how to make money online and if I had to go back in time and buy it again, I would. Or … okay, I admit it. I absolutely love her book.

    So why am I writing a warning?

    First of all, you might be wondering what I’m talking about. Who is Holly, and what E-book?

    Holly Mann is a single mom and a retired “disabled” army veteran in her mid twenties. (I have no idea what her disability is, she looks pretty healthy and strong to me and you should see her as a contortionist!) She is an American living in Thailand with her toddler son, Josh.

    On her website she tells the story about how she went from $0.00 to $12,000 per month in online income. In other words, she started from virtually nothing but now she makes a killing online, working from home.

    Holly wrote an E-book which teaches anyone how to work at from home to make money on the Internet. This is something that even the complete beginner can understand. When I first read it, I was completely clueless – not only about how to make money online, but on the Internet in general. I didn’t even really know what a website was.

    If you have heard of the “Rich Jerk” you may have heard of Holly. Holly originally read the Rich Jerk’s E-book, but then wrote her own, under the motto to “No thank you Rich Jerk – Honest Riches!” Holly promotes honest and ethical ways to make money online which are successful and also helpful to others. In other words, she teaches you to earn money by providing services and products to people that will help them. She doesn’t teach you to fool people out of their money. People who operate this way always win out in the end.

    The money-back guarantee and the low price of her E-book is one reason why it is very easy to buy her E-Book and try out what she teaches.

    Holly is also human.

    Holly’s E-book teaches the complete beginner how to make money online. It includes methods on how to make money with no start-up cash, how to earn money by promoting other people’s products, how to use advertisement to earn money on your own website or blog (and even how to do it for free), how to write and submit articles which will result in online income, how to create your first website, and a lot more. Her E-book is also full of links to websites and software which will save you hundreds of hours in getting off the launching pad. And she throws in plenty of free bonuses.

    So what’s the warning?

    Well, when I first wrote this article (years ago) there were two points in her E-Book where she suggested methods of making money online that had been workable when she wrote them. But times had changed slightly so there were a couple of points I thought people should know.

    However, by now Holly’s E-Book has been revised and even those points are clarified extremely well.

    So there is no warning. In fact, I have recently reviewed the 2008 edition of Holly’s E-Book. It is not released yet but Holly sent it to me in an email.

    It is a virtual treasure. (By the way, the price will go up when she released the new version, probably in mid-August 2008. But if you buy the current version at the current lower price, you will get a copy of the 2008 version for free when it arrives.)

    Holly’s 2008 Honest Riches III contains 277 pages of very easy to read information. Everything you need to know about Internet Marketing is covered. And what makes Holly stand out from the crowd is that she uses such simple terms and explains things so clearly, that anyone can understand it. I found simple explanations of concepts that I had been searching for for ages.

    She also explains everything that is vital in making money online so that you will be clear-headed in taking every step you need to take, without wasting your time in confusion and blunders. Holly gives you the step-by-step instructions and procedures to take so that you can start making money online and reaching your goals.

    If there is only one thing you ever purchase to help you learn to earn your living (and more) online, I can honestly say, without a doubt that it is this E-Book. As a rule, I do not promote products in the field of Internet Marketing that I have not used and loved. There is just too much low-quality (or worse) garbage out there.

    I have heard some people ask if Holly is a real person. Holly is a friend of mine. I have taught her to write poetry.

    One of the things that makes her stand out from the crowd is her willingness to help people. Time and again, you see her going out of her way to give extra assistance and advice to people who want to succeed in making money online.

    All said, Holly’s E-book is still the best I know of, for teaching the complete beginner how to make money online.

    If there were only one purchase I could make in that field, it would be Holly’s E-book. And without it, I would still be swimming in confusion, or would have given up long ago.

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    Source by Anna Vera Williams

    Views: 0

  • How To Use Cayenne To Cure Bad Breath

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    Bad breath or halitosis is a common cause for worry and embarrassment for many people especially when the condition becomes chronic, meaning the person suffers from it all the time. It makes them very conscious of their surroundings and it may hinder the social life of the person. Those people may want to begin eating more cayenne pepper, as it has been proven to be a simple solution to many bad breath problems. While it will probably not work as a permanent remedy, cayenne pepper has been noted as a possible substance for treating mild cases of halitosis.

    Bad breath may have its origin associated with oral problems (teeth and gum problems), systemic problems (those arising from the respiratory tract, lungs, stomach and digestive tracts) or from illness such as cold, infections in the throat, tonsillitis, etc. It may also be caused due to drying of the mouth (xerostomia) and due to poor oral hygiene.

    If the condition is caused due to systemic problems, it can be reduced by removing or treating the systemic cause. Bad breath due to problems from the stomach is associated with conditions such as gastritis, reflux, heart burn, ulcers, etc.

    Treating such systemic conditions is done with the help of drugs that are prescribed by a physician. In addition to this, there are some herbal cures and some homemade remedies that help alleviate the problem to certain extent. One such option to cure systemic conditions arising from the stomach is Cayenne Pepper. Cayenne and bad breath are polar opposites. The chemicals in this food attack and can break down many of the internal gastrointestinal chemicals which cause bad breath. Again, while it may not work for all people, this is a fast and easy way to prevent bad breath problems from arising in the first place.

    Cayenne, whose scientific names are Capsicum frutescens or Capsicum annuum, is a hot pepper that is derived from capsicum and has an active ingredient called capsaicin. It is regularly used to treat a variety of conditions such as sinusitis, headaches, asthma, diabetes, pneumonia, arthritis, psoriasis, etc. It is helpful in improvement of blood circulation and the removal of toxins from the body. It is also helpful in treating a variety of gastrointestinal problems and aids in improving the digestion.

    This substance is used to combat bad breath both directly and indirectly. The peppers are used directly when the source for bad breath is a dry mouth and indirectly when the cause is an underlying gastrointestinal problem.

    Capsaicin in the pepper is helpful in combating bad breath by improving the flow of saliva and stimulating stomach secretions. In cases of dry mouth, chewing on some peppers of cayenne improves flow of saliva and thus reduces bad breath.

    Cayenne has been recommended in treatment of gastritis, ulcers and in dyspepsia (difficulties in digestion). It is also used to stimulate hunger by taking it in the capsular form before food. It helps in improvement in peristaltic action in the digestive tracts and in repair of the tissues of the stomach. It also helps the body in stimulating the release of hydrochloric acid that is necessary for digestion.

    Combating these gastrointestinal problems helps in indirectly reducing bad breath as these problems are a cause for halitosis. In addition to helping you get more saliva in your mouth, this substance is also helpful in improving the clearance of waste from the system thus reducing intestinal gases that may cause bad breath.

    Cayenne, though a hot pepper, is a helpful ingredient in reducing gastrointestinal problems and is frequently used by many people suffering such problems and associated problems such as bad breath.

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    Source by Richard Wilkins

    Views: 0

  • Rich and Varied Heritage

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    India is always remembered as a land of diverse cultures. The geographic position, climate and the extent of exposure to foreign cultures have totally influenced the traditions and culture of the different regions at different periods. The greatness of Indian culture has been in adopting the best from all the invaders and intermingling their customs and styles with the existing and this is visible in all aspects of culture.

    Indian culture have always been attached to the great river systems, the watersheds of the Indus and Ganges, the Deccan plateau and South India.

    Secular India is home to Hinduism, Islam, Christianity, Buddhism, Jainism, Sikhism and other innumerable religious traditions. Hinduism is the dominant religious faith followed by the majority of the population. Colorful traditional festivals are almost 400 that have been happening for centuries. Not a single day passes by without a festival in one region or the other. It is an occasion for men to put on a new traditional costumes and jewelery.

    Traditional wears like the silk saris, cholis have fascinated many a traveler over the centuries. Men in villages are still more comfortable in traditional attire like kurtas, lungis, dhotis and pyjamas.

    Indian literature, Indian poetry, Indian epic poetry Ramayana and Mahabharata, Painting, Sculpture, Architecture- everything is depicted and interpreted through religion and philosophy.

    Well known classical styles of dancing on the Indian stage are Bharatanatyam, Kathakali, Odissi, Kathak, and Manipuri. Folk dances also contribute to the plethora of Indian dances. The common root of all classical dance forms can be traced to Natyasastra, ascribed to Sage Bharata who is believed to have lived between the 1st and 2nd Century AD

    18 Indian languages with 1600 regional dialects are spoken and the linguistic lines are drawn by State boundaries Besides Hindi and English, the other popular languages are Assamese, Bengali, Gujarati, Kannada, Kashmiri, Konkani, Sanskrit, Sindhi, Tamil, Malayalam, Marathi, Punjabi, Oriya, Telugu and Urdu

    Indian Cuisine skill lies in the subtle blending of a variety of spices to make various delicious recipes. These spices are used as home medicines too.

    A typical North-Indian meal would consist of wheat. Rice is the staple diet in South Indian food. Coconut and oil are essential ingredients in all the meal. A meal is rounded off with betel leaf which holds an assortment of digestive part.

    Women are the mirrors of culture of a society. Indian women are becoming increasingly visible and successful in the professional and public sphere. Whether it is Barkha Dutt, Arundhati Roy, Kiran Mazumdar Shaw, they have all heralded the arrival of Indian women professionals.

    Latest outsourcing of technological agility, quality, flexibility, cost control, time-to-market and competitive advantage have made India well known in the business world.

    India exports software to 95 countries around the world, outsource high quality brain-power 82% of the US companies ranked India as their first choice for software outsourcing.

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    Source by Shobana Sridhar

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  • Quick Guide to Build Good Habits and Break Bad Ones

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    Most of us find ourselves doing something that people wish we’re able to stop. Bad habits can certainly become elements of our lives, keeping us back, or annoying us (and our family members).

    Here are quick guides to build good habits and break bad ones:

    Identify The Habit You Need To Change First

    You have to notice your unfavourable habits first. You must first notice that you have a habit that you would like to improve. If you really know what that habit is, then you can deal with it. Most of us already have lots of cons that we wish to change. Don’t make an effort to attack everything simultaneously, though. Prioritize your bad habits, and choose the one to give attention to first.

    Take Small Steps

    Depending on the habit involved, small steps might be needed to be taken to be able to succeed. While some individuals are lucky when they quit smoking frosty turkey, not everyone succeeds with this technique. They could need to step back by smoking lesser cigarettes each day, or looking for other ways that could help them step back little by little. Also, in a situation whereby you wish to stop watching TV. In the event that you are being used to watching 4 hours of TV every night, it will be hard just stopping. You will need to reduce 1 hour out of the time at first. Make your changes little by little, but surely in a manner that is manageable for you if you need to help make the changes in your daily life “stick”.

    Substitute Bad Habits With Good Habits

    You’ll be more successful if you substitute a bad habit with a good habit in most cases. Many number of people replace smoking cigarette with gnawing sugar-free gum. If you want to get over a bad habit, it’s vital that you look for a good habit to substitute it with. Slowly but surely, the good habit can be your normal habit and the bad behavior will disappear.

    Try a Challenge

    Most times, it benefits to truly have a challenge when you really wish to get rid of unfavourable habits. Get one of these weeklong a challenge to start out, to see if you can do something different for a whole week. Afterwards, you can extend the challenge. Another strategy is to have a thirty-day challenge. They state that it takes twenty-one days to build up a habit, so a thirty-day challenge should help you substitute your unhealthy habit with a good one.

    After Success With One Habit, Tackle The Next

    Once you’ve acquired success with one habit, move to another on your list. Be sure you recognize your good endeavors and then consider what other bad habits you need to get gone. The fact that you have previously been successful once is likely to increase your self-assurance in your capability to move to the next habit, allowing you to substitute it faster than you did the previous habit. If you can continue with this exercise through your list such as this, it’s likely you’ll find that you truly can substitute the majority of your bad habits with good and change your overall life for the better.

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    Source by Reshali Balasubramaniam

    Views: 0

  • How Did Don Vierra Become the World Renowned Consultant in Health Information System?

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    For those in Health Informatics, the name “Vieira” might not sound strange. Immanuel Antonius, professionally known as Don Vieira, is a successful and independent consultant who has reached horizons beyond expectations. The 32-year old Technoprenuer has ticked off projects, which most consultants still consider as a dream.While he was brought up in Namibia, his expertise and skills were never limited to the boundaries. If Namibia is his primary home, his work stations or contracted duty stations have become the secondary residence where he used to spend most of his days.

    As far as his academic background is concerned, he holds an Honors’ degree in Computer Science, Advanced diploma in Monitoring and Evaluation, certifications on Health Information Systems (HIS) and A masters’ degree in Biometrics from the University of Paris – Est créteil in France.

    Like people dream of being associated with tech giants such as Facebook or Google, he achieved the milestone of serving for similar giants in the health sector. Some of his notable associations are with World Health Organization (WHO), Centre for Disease Control and Prevention (CDC), United Nations (UN), United States Agency for International Development (USAID), Clinton Health Access Initiative (CHAI), IntraHealth International, Global Fund, Population Service International (PSI), Jay Snow Inc. and the list goes on.

    Apart from his experience in healthcare informatics, language is one of those factors that contributed to his stature elevation. His understanding about seven languages, including English, Spanish, French and Portuguese, has helped him deal with people from different backgrounds.In other words, there has never been any force that stopped him from achieving his goals across the borders.

    With Ten (10) years of experience, he has built and supported several national systems such as the e-Health, Malaria, TB, PMTCT, Nutrition, VMMC and HIV- just to mention a few. He also trained more than 20,000 people including government officials, managers, nurses, doctors and technical people to bring significant changes in their methods of elevating the quality of life for the public.

    Vieira has developed strong professional relationships with several organisations in Kenya, Uganda, Mocambique, South Africa, Namibia, Angola, Germany, India, DRC, Zambia and the United States.Most of them used to admire his determination and skills for giving the best in every area.

    If he is assigned to a work, there is no force that can stop him from transforming a novice into an expert. Below are three of some of the notable milestones that gave a kick start to his career:

    1. A Discrete Choice Experiment for pharmacists- he worked with Dr. Peter Rockers, an assistant professor in the Department of Global Health at the Boston University School of Public Health, to bring visible changes in the health informatics. At the time of experiment, Dr. Peter Rockers was at Harvard Medical School.

    2. Vieira wore the big shoe when he took over the position of HIS Technical Advisor from Jim Sitzer, who went to become the Director in Public Health for the Umatilla County Health Department, Oregon in the US.

    3. During Vieira’s venture as a Technical Advisor for JSI, he developed a web-based master facility (MFL) for Namibia. It consists of a map indicating the location of all public health facilities in the country.The list aims to assist public locate services provided by the nearest health facilities, on the other hand, it also aims to guide the ministry of health in planning and equity in resource allocation and distribution. The MFL was built based on WHO guidelines

    Due to internet connectivity issues in most rural áreas, the Health Extension Workers were forced to use paper registers to collect patients’ information. This led to poor data quality since paper would torn or get lost. With an urge to find an appropriate solution, he created a mobile app that has the capability to store data without internet connectivity.

    Over the past few years, Vieira has won few accolades and gained international recognition for his consultancy expertise.His efforts have also managed to attract new audiences including influential decision makers from government authorities to NGOs. His passion for innovation and Technopreneurshipis what that has always made him different from others.

    For his next project, he promised to create what most government bodies and NGOs have failed to implement- “The Situation Room” that will bring new changes to the health sector.

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    Source by Anusha Saeed

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  • Welding Jobs: Ideas You Can Use At Home To Make Money Welding (No Boss While You Make $100,000)

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    What if you could make $100,000 a year welding from home?

    What if you could make even an extra $500 a month from home, using your current skills? If you are a welder with basic welding skills and you are between jobs or you are being under paid in your current job, it might be worth your time to read this article – let’s think outside the box for just a minute on how you can make money welding from home.

    From Home Welding # 1:

    Teaching or tutoring any skill is a very profitable business. In any town of any size you’ll see at least one tutoring business in a strip mall brick and mortar location. In that same town will be at least a dozen other tutors working from home, making good money.

    Yes, most of the time they are tutoring math and reading to students. Lean back and think about what skills you have that can also be used in a tutoring business you can set up and milk cash from, like milk from a cow.

    Let’s say you are good enough with TIG to weld razor blades or pop can butts.

    If you can teach a non welder to operate a TIG torch good enough to go on and practice on their own at their home in about 3 hours of your hands on theirs – they will pay up to $100 an hour for 3 hours of TIG instruction. Just 2 students a day would bring you $100,000 a year. If you think I’m kidding I’m NOT! There are many reasons why education is so valuable – and that includes intense, focused tutoring in welding.

    6G pipe welding is the highest paid of all welding certifications – most 6G welders make $100k to $300k a year – and demand is crazy. However, if you are a 6G welder and you want to stay home, you can set up and teach 6G in your garage. Let’s say you do this with 7 students, each paying you $10,000 for a 3 month course. Yes, they will pay it – especially if you show them how they will have more time with your hand on theirs (the #1 secret to learning 6G fast).

    From Home Welding # 2:

    I was in Palm Springs the other day. I have been in and around the trades for 30 years… and when you see a tradesman’s truck and it is late model without dents or many scratches, clean, organized and well equipped, it means (99% of the time) that guy is making money.

    I pulled up to a light behind just such a truck – “Joe’s BBQ Service and Repair.” That’s it – that is all Joe does. He will weld cast aluminum or steel. He’ll clean and polish. He’ll replace a burner or a control. OR he’ll buy your old unit and sell / or sell you a new one.

    Yes, you need a town with a lot of high end BBQs. Other than that, go get it.

    From Home Welding # 3:

    Large steel cut outs. In art of all kinds, size matters. For example, 20 years ago we purchased two 4′ long coat racks – each is a piece of 1.5″ x 1.5″ x 1/8″ angle 4′ long with 6 horse shoes welded to the angle to hang the coats.

    On the horizontal surface of the angle is welded a scene made of 7 horse and 7 tree cut-outs. We paid $185 for each of these 20 years ago… that would be about $300 a piece in today’s dollars.

    The problem with you making these is that the 14 cut outs on each unit are too small too many to cut by hand – you need a computerized plasma table to make these.

    Here is where the magic of size makes all the difference.

    The artist who drew the cut outs on our coat rack was good. Each of the 7 horses is different and beautiful, as well as the trees. Any – or all of these – cut outs can be scaled up with chalk onto a sheet of say 4′ x 8′ x 3/16″ steel. Now, all you need is a plasma or an oxy torch to create the large version.

    What would a horse cut from a 4′ x 8′ sheet sell for?

    $300 to $700. It would depend on where you are and how you market it. Marketing is a large part of any business. Good marketing is not hard – you can do it.

    You can see, if you could get a “business pipe” full of inventory and sales and you were delivering 2 horses a day, you could easily make $100k. The other major opportunity with big cut outs is gates. The key to all of this stuff in the art category is beautiful line drawings. If you are not an artist, hire one on the condition that they sign the copyright to you.

    There are endless ideas to utilize even your most basic welding skills from home to make an excellent living or just extra money. The trick is:

    Step A:

    Find what will work best for you.

    Step B:

    Write out a simple plan of attack. Don’t put the cart before the horse. Many small businesses fail because the owner gets all wrapped up in the details and loses site of what is important. Here is what is important: Don’t spend money – MAKE MONEY!

    Step C:

    The first rule of business is to GET NOTICED. That is also the end goal of all marketing – once you have enough eyeballs on you, you will succeed. The common mistake is to leave marketing for last while concentrating on every little rule and piece of paper. A business license will do you no good if you don’t make money! Save your money and get it (if you really need one) when you make some money. Towns and cities will simply say, “do you have a business license?” When they ask, say: “I’m getting one now.”

    Conclusion:

    You are blessed to live in a country where you can go from nothing to something in a hurry. However, to get anywhere in a hurry requires running hard. You’ll never regret it.

    What should you do next?

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    Source by Scott R. Linden

    Views: 0