Saturday, April 30, 2016

In risky markets following the secrets of the ultra-rich not the rich will help your investment decisions

Recently, there was an article on CNNMoney that spoke about the “secrets” of the elite rich in the United States. In turn, several articles were written about this article, including one that stated that the richest of Americans “built their wealth with diversification, wealth preservation and strategic growth.” That is a ridiculous statement in itself because two of those strategies, diversification and preservation don’t help build wealth. Perhaps the richest of Americans use these two strategies to maintain an even keel AFTER they have accumulated great wealth, but certainly they didn’t use them during the accumulation phase. According to this article, a survey of Northern Trust uncovered that the “richest Americans do not heavily rely on high-risk investment vehicles like hedge funds to make money, but are moderate risk takers who put more than half of their asset allocation into U. S. stocks and cash.”


Again, just as former hedge fund manager and multi-millionaire Jim Cramer said that he used certain financial journalists, including ones employed by the Wall Street Journal, as pawns to spread misinformation far and wide to benefit himself, again this is an example of investment institutions using the media as pawns to spread their myths to keep the masses of retail investors ignorant. The CNNMoney article made it appear that the richest of Americans built their wealth by being conservative and slowly growing their money over time. That’s an oxymoron right there. To state that the rich became rich by slowly growing their money over time. Well, if they are slowly growing their money and becoming even richer, then this implies that they were rich to begin with. So how did they accumulate wealth? Surely not by “slowly growing” their money.


Sure, some of the “richest Americans do not heavily rely on high-risk investments” because they ARE ALREADY EXTREMELY RICH. The majority of ultra-rich do NOT build their fortunes by speculating on high-risk investments as is commonly believed. Often they build fortunes utilizing volatile assets and investments but that does NOT mean they were engaging in risky behavior. Many times, investing in a hedge fund can be much riskier than investing in some of the assets that your investment firm will tell you is “risky”. But investment firms will gladly place a portion of your money in hedge funds because the fees they earn from hedge funds are so high even as they advise you not to put your money in a much less risky investment with much greater earning potential. And THIS IS THE SECRET that investment firms never tell you.


Volatile assets that often can be used to build great wealth are NOT RISKY if they are purchased at entry points that are extremely favorable and provide a low-risk point of entry. 99% of investors don’t understand what high-risk investments truly are because they have been misinformed by their advisors and their firms for the past half of a century. Purchasing volatile assets at low risk-high reward entry points greatly mitigates and neutralizes the great majority of risk of volatile assets. If you don’t understand this concept then you need to.


Many millionaires that are wealthy but that could be extremely wealthy fail to build enormous wealth because investment and financial institutions mislead them about certain investment opportunities and describe them as complex and risky and are able to convince their clients of this belief because they never properly explain risk-reward scenarios to their clients. However, those investors that are extremely wealthy are the rare breed that understand this concept. If investors had a choice between allocating $1,000,000 in a historically volatile Investment A that has a 78% chance of returning a 250% gain versus an Investment B that has a 95% chance of earning 9%, most investors would choose Investment A.


However, because Investment A may exhibit 50% more volatility than Investment B, the great majority of advisors would steer their client away from the former investment into the latter one. In fact, this is exactly what even “prestigious” firms that cater to ultra high net-worth clients do because they allow misinformed, uneducated investors dictate the rules of engagement to them, and they would much rather appease such powerful, important people with slow, minimal gains rather than empower and enlighten them and boost their returns like never before. They would choose to steer them away because they present the investment opportunities incorrectly, merely telling their client that while they could earn 350% from Investment A there was also a very realistic probability that they could lose $300,000, and that shooting for the slow but steady $90,000 a year is much better for them.


If you are thinking to yourself, “That makes absolutely no sense?” Why would firms not earn 20% a year for their clients if they could instead of 8% a year? The answer is because the overwhelming majority of investment firms, no matter how prestigious their brand, are merely highly glorified sales machines. They fail to convince clients to invest in phenomenal investment opportunities that sometimes arise like Investment A because in order for Investment A to be a moderate risk, very high reward investment, it must be entered at a low risk entry point so that the probability of being down $300,000 at any give time would be reduced from perhaps 50% to 20%.


And that even if their timing is not optimal, then a firm must educate the client that as long as they don’t panic when they are down, the odds are still extremely high that they will earn a 250% or better gain. However, the greatest factor that determines why firms will not seek this strategy is time. Engaging in much better strategies such as these for their clients would take massive amounts of time in client education and enough time in research that the amount of assets gathered would take a serious hit.


So because it is not in a firm’s interest to engage in activities that maximize portfolio returns (unless it is their own institutional portfolio), instead, we have Chief Investment Officers at top investment firms making statements like, “"Generally they [the richest of Americans] want to see prudently managed growth without a lot of surprises, which is why we emphasize diversification." Again, this is a sales & marketing campaign statement, not an aboveboard statement about how to make money for clients.


If clients are uncomfortable with strategies that would actually built great wealth for them instead of producing mediocre or subpar returns, their discomfort only originates from the fact that the largest investment firms have been deceiving their clients, just as Jim Cramer had deceived the thundering sheep herd for years, about the realities of building wealth. This discomfort originates solely from the fact that he or she has been kept in the dark for so long. Thus, we have a misinformation-driven cauldron of investors making bad investment decisions that exists today. In 2007, you’ll still find Chief Investment Officers of very well known firms making ridiculous statement that investors need to invest at least 50% of their stock portfolio in U. S. stocks if they wish to grow their portfolios exponentially.


How are they going to grow their portfolios exponentially with more than half of their stocks in a stock market (the U. S.) that has NEVER been the best performing market in the past 25 years (even among developed stock markets)? How will they grow their portfolios exponentially by buying stocks in market that trades in what is quite possibly the worst currency on earth among developed markets (the U. S. dollar)? Yes I know that when the U. S. dollar shows a brief spike in strength as is likely to happen soon (I’m writing this article in April, 2007), that many people will question what I am saying, but this is only again because they are victims to the mass deception mind-games of the investment industry. I suppose if planning to earn better than subpar returns in your stock portfolio is engaging in risky behavior as Chief Investment Officers of various firms claim, then yes, I whole-heartedly endorse engaging in risky behavior.


And because so many people, yes, even those considered quite wealthy, fall victim to the preaching of investment industry demagogues, there is a second mistake that many rich investors will soon make.


Another survey of wealthy U. S. investors uncovered that a large percentage of investors with investment assets of over a million do not employ any type of investment advisor but plan to do so soon giving the increasingly gloomy nature of the U. S. stock markets. To that, this is what I have to say. Making money in difficult markets is ten times more difficult than making money in bull markets. If investors believe that it will be increasingly more difficult to make money in U. S. stock markets, but yet top investment firms in the U. S. continue to preach that more than half of your portfolio should be in U. S. stocks (mostly to cover their respective firm’s inadequate coverage of emerging markets), how is the hiring one of these men possibly going to improve these investors’ future performance outlook?


But there is an EXTREMELY important distinction to be made here. What I’ve written above applies to the behavior and mindset of some of the richest people in America, but not THE very richest people in America. The very richest people in America, those you might categorize as the world’s ultra-rich, possess a very different mindset and behavior set than those that are just rich. The ultra-rich have positioned their portfolios extremely differently from how the rich people discussed above have positioned their portfolios. The reason why articles regarding their behavior and investment decisions are virtually non-existent is because they don’t grant interviews and they don’t want people to know what they are doing. But I’ve investigated what they are doing, and trust me, it is nothing remotely similar to the behavior of wealthy investors described by Northern Trust and other investment firms.


If you would like to find out why the ultra-rich always manage their own money or able to find the 1 in a million consultant truly capable of providing them the returns they desire, consult our resource of “101 Reasons Why Managing Your Own Money is the Only Way to Build Wealth.” Even if the ultra-wealthy have someone managing their money for them, the only way they were capable of finding this 1 in a million financial consultant was due to the fact that if they had to, they could manage their own money successfully as well. Only be first fully understanding the most successful investment strategies themselves could they identify an advisor capable of employing such strategies. However, a great majority of ultra-wealthy continue to handle and make their own investment decisions.


Friday, April 29, 2016

Best home elliptical machine - simple steps before you buy

What is the best home elliptical machine? That is a question many first-time home exercise equipment buyers ask. Some things are really important to take into consideration: this includes price, quality, and the size you have dedicated to machine.


Price:


Prior to purchasing an elliptical trainer you should have an ideal amount of money you are looking to spend. By having a predetermined budget you're unlikely to spend more than what you can afford to and get the best elliptical trainer for your home. This will also help as many online retailers allow you to select items by price range. You have to understand oftentimes you get what you pay for, so you should be careful as to not buy too cheap of a machine.


Quality:


A quality of your elliptical machine is also vitally important. You need to make sure that you take this into account prior to purchasing your elliptical machine. Too many newer users do not research properly purchase a low-end elliptical machine only to find it breaks after a short period of time(usually just after the warranty period). Then, they must go out and purchase a more expensive, higher quality machine costing them more than if they bought a higher quality one to begin with since they had to make two purchases.


Size Of Machine:


Most elliptical trainers are all similar in size, this sometimes poses a challenge for people looking to use an elliptical trainer, but are limited in the space they have to dedicated to it. Before you purchase a machine online visit a physical local store and measure the machine you're thinking about buying to make sure fits into your space. Many online stores will have measurements of each machine but they're not always accurate.


In conclusion if you follow these few simple principles should successfully buy the best elliptical machine to use in your home.


Thursday, April 28, 2016

Affiliate programs -- seducing the search engines part 2 of 5

Here is an idea that will put you miles ahead of your competition and put cash in your pocket fast!


Promoting affiliate programs is a breeze if you know how to get the search engines to send you tons of qualified prospects. The Affiliate Masters course by Ken Evoy shows you how to get the search engines attention and keep it there.


The Affiliate Masters course by Ken Evoy is the most comprehensive course on the subject and it's available for free at: netman-ecommerce-guru. com/Aff-Masters. zip


Ken says that the key to getting the search engines' attention is to provide good quality information presented in a keword optimized context. Now, how do you define good quality information and


where do you find it?


The search engines' job, the way they see it, is to provide exactly the right information a person is looking for, the first time. The quicker they can provide the needed information, the more satisfied


their clients will be. If you can provide that content on your web-page the search engines will send you droves of qualified, willing to buy traffic.


So how do you know what people are looking for before they start their research on the search engines? Here's how:


1. Start by doing a quick survey at your local magazine store. Yes, you'll have to get out of that comfortable chair in front of the computer...


Find several magazines on the subject of the affiliate program you want to promote.


2. Look at the headlines on the cover.


3. Look at the headlines of the in-depth articles.


4. Look at the headlines of important stories that talk about future developments.


5. Write down all the headlines. Break out the key words and 2-3 word key-word groups and put them into three categories: words taken from the cover, major stories and other interesting stories in the magazines you reviewed.


These are the hottest key words in order of priority. Because the major publications are talking about it, people will naturally investigate further on these topics. These keywords will be on top of their mind because they have just read / heard about them.


When you build your web-pages based on the hottest key-words, the search engines will flock to your site. They will bring you the highly targeted visitors that will be the foundation of your business.


6. After building the key-word list, come back home and download the free SearchIt software. Ken Evoy has provided this tool to help people do their research. It allows you to do over 100 key searches to help people set up their Internet business: searchit. bizzinfo. org


7. When you open up your SearchIt software you will find four blanks. In the first blank choose "reference library for content". The second blank gives you 15 different sources for good, reliable content. Enter the key word in the third box. Leave the fourth one empty.


By going through all 15 search resources in SearchIt for each of the key-words, you will have an abundance of good quality, sexy content the search engines will love and your clients will appreciate.


This is the way to work your competition into the ground. This is how you can make sure your business succeeds. Offer good quality iformation to people who are looking for it. This is the ultimate win-win-win system. Work with the search engines and feed them what they want and you will grow and prosper.


Heartworms in dogs what they are what to do

Heartworms (Latin name Dirofilaria immitis) are parasitic worms that are common in both dogs and cats. Like their name suggests, they live in the dog’s heart, normally free-floating in the right ventricle and nearby blood vessels. The worms are transmitted from dog to dog by mosquitoes which pass the worm larvae through their saliva. The presence of heartworms can be very dangerous to the dog’s health. Although the dog will not display signs of infection until it has progressed considerably, heartworms can be life threatening and are sometimes difficult to detect and diagnose.


Signs of Heartworm Infection


When a dog is first infected with heartworms, there are literally no signs and the presence of heartworms can not be detected even with a blood test. Once the worm larva reaches the heart and matures, however, signs that are detectible by X-ray start to develop almost immediately. These include damage to the blood vessels around the heart and lungs. It is rare that a dog will be infected by only one worm and as the mature worms in the heart grow in size and number, the conditions worsen, eventually causing a blockage of blood flow. It is at this point that the dog will start to display physical signs which can include pain, hypertension, difficulty breathing, lethargy or even fainting. In extremely progressed cases the dog can suffer from heart failure and death although by the time the heartworm disease has reached this stage the owner has probably realized that something is going on and sought veterinary care.


Treating Heartworm Infection


Once a dog has been diagnosed as having heartworms, treatment must be started. What this treatment is and how it is administered is dependant on the stage of heartworm infection. Generally, there are four stages of heartworm disease.


• Stage One – Dogs at the lowest risk – heartworms are detected in X-rays but all other tests appear normal.


• Stage Two – Dogs are moderately infected, may have some difficulty breathing and be demonstrating coughing


• Stage Three – Dogs are severely affected & may display weight loss, have difficulty breathing, blood tests likely show kidney and/or liver damage


• Stage Four – Dogs have Vena Cava Syndrome and are in shock, essentially dying – surgery may be undertaken to remove worms, but there is no guarantee that it will save the dog.


When it comes to heartworms in dogs, prevention truly is the best medicine. The best time to begin a preventative treatment is early in puppy-hood, before the dog is seven months old since dogs older than seven months are at a great risk for adverse reactions to the preventative treatments.


Wednesday, April 27, 2016

Home poker tournaments no limit betting raising

One of the great moments in a No Limit Holdem tournament comes when you hear a player announce that he/she is “All-In”. In No Limit poker, players are allowed to back up their hands with every chip they have available. While there is no limit on the maximum a player is allowed to bet, this doesn’t mean that there are no rules governing betting in No Limit holdem.


Before the Flop:


There are two forced bets, the blinds. Anyone wanting to see the flop must match the bet of the big blind by “calling”. Players may decline to play the hand and fold, or they may really like their cards and decide to raise.


The minimum raise on this betting round is double the big blind. Players may bet more than that, but they cannot bet less. For example, the blinds are $200 and $400. A player wishing to raise may not make the bet total $500. They may call for $400, or raise for $800 or more.


After the Flop:


Once the flop has been dealt, players in the hand are allowed to “check” if there is no bet before them. If a player would like to bet, they place something called a bring-in bet that must be at least the size of the big blind. In our example, where the big blind is $400, the bring-in bet must be at least $400. It may be $410. It may be $500.


This is a bring-in bet, not a raise, and doesn’t need to follow the same rules as a raise.


Raising on any Round:


In order to raise in No Limit holdem, you must double the bet made before you. Here is an example:


> small blind posts $200


> big blind posts $400


> #3 wants to raise. The bet in front of him is for $400, so he must at least double that amount. He can raise $400 or more, making the total bet $800 or more.


This becomes less clear when players are re-raising. For example:


> small blind posts $200


> big blind posts $400


> #3 raises $600, making the total bet $1,000


> #4 wishes to re-raise. The bet before him is a $600 raise. He must raise at least $600 more, making the total bet $1,600.


There is an unlimited amount of re-raises in no limit poker. In limit poker betting rounds are often capped at four bets per round. This is not the case in no limit where players can re-raise each other until one runs of out chips to raise with.


Verbal statements are binding. If a player declares an action, they are bound to it.


FAQ:


What is a “string bet”?


In no limit poker, players can raise by performing one of two actions. They can announce the amount that they are raising, and then take their time putting the chips into the pot using as many hand motions as necessary.


Or, they may place a set of chips in the pot in one single motion.


They may not announce a raise, and then repeatedly go from their chip stack to the pot, adding chips each time. This is a string bet, and it is not allowed. Players may try to do this so that they can read their opponents as they add chips, adding until it becomes apparent they will not be called.


In a tournament I told a player I was calling his bet and raising him more chips. He said that is illegal. Is that true?


That’s true. It is illegal. Players are given one action per turn, and verbal declarations are binding. So, once you declare that you are calling, that’s what you’ve committed yourself to doing. Calling.


It seems trivial, and in some friendly games it might be. But, as a matter of proper procedure, in money games it only takes a moment to announce your intention correctly and will save you grief in the future. Simply say “I raise”.


Ever heard of a barcelona chair

You might have heard of a Barcelona chair, but do you really know anything about it? I didn’t think so. The Barcelona chair is considered to be on of the most classic and elegant chairs of the 20th century. It was designed by Mies van der Rohe. He designed the chair in 1929 at an international exposition.


His inspiration came from some old designs; the Egyptian folding chair and the Roman folding chair. The chair is light but strong at the same time. It just spells classy.


Mies improved on his creation in 1950. He eliminated the extra braces at the welding points. He figured that the one piece frame made from stainless steel would offer more strength and spring.


But George Nelson was the one who made the design popular in the United States. Originally the chair was hand made. But then it started getting mass-produced by a company named Knoll Associates, who now manufacture the chairs in the US and 29 other countries.


The chair can be purchased at a variety of furniture stores. They might even have online catalogs, which you can browse through. Though there are many forms of the Barcelona chair that are on the market.


They are usually made from chrome stainless steel with a single frame. There is individual leather panels on the upholstery, the panels are crafted from a single hide. The most popular colors are tan and black. There are many other subtle differences, but the same style and luxury is kept within the chair.


Even thought the Barcelona chair has seen a few simple changes through mass production, this modern version still offers the greatness of the original handcrafted beauty. This beautiful piece of furniture can cost up to $1000. But that is a small price to pay for having an elegant and lavish Barcelona chair.


Personal budgeting advice

In the realm of drawing up your personal budget, information overload can often be a hindrance to accomplishing the type of goal you have in mind. With basic tips, however, you can flesh out your personal budget to help your financial situation improve and help bring clarity to a somewhat fuzzy fiscal picture. The bleakness of a dreary monetarily-challenged season can be replaced with the optimism of a well-produced and well-planned prospect if the right counsel is taken to heart.


In today’s world, there are very few people that do not have a suitable fiscal plan in place for their lives or for their businesses. This is because it is increasingly difficult to find a way to make ends meet and to find a way to earn some sort of cash profit in the current economic climate of uncertainty. It is almost necessary, according to financial experts, to plan out some sort of your financial future on a regular basis so that you are aware of what is coming up next, what has happened in the past, and what you will be required to do in order to properly survive the present without ending up in debt or bankrupt.


Granted, this article may make financial planning sound as important as having the right diet and exercise and this may distress some people. The fact is that many people contrast the importance of a financial plan that represents effectual money-managing to the importance of an effective diet plan that helps you maintain your physical health. If your fiscal health is important to you, you should construct a plan to help you maintain it at the level you are comfortable with.


One tip for creating better financial health is to avoid the credit card trap as much as you can. Pay with cash or readily available finances whenever you possibly can because of the necessity of paying off your credit card balance monthly to avoid getting behind on interest payments. This is the way in which credit card companies’ profit: through the lucrative interest payments. If you must use a credit card, find one with a low interest rate or with low or non-existent annual fees. Instead of a credit card you may consider using a short term loan or cash advance to pay for items. These loans don’t drag interest out over long periods.


When beginning your budget, the very first thing you should do is look at your known expenses. These are the payments you know you have to make per week or month, such as your weekly rent or mortgage repayments. These, for the most part, are constant and payments must be made on time or else a late fee will occur. The money should be allocated first before you head off to split money to other areas of your life because the set costs are priority expenses from your income.


Furthermore, take the time to educate yourself as to the bargains around you. Clip the coupons you find in newspapers and magazines and use them. Some people feel demoralized by using coupons and think they are somehow “above” getting a bargain for their money, but ego should not be an issue when you are in the business of saving money. Do not be afraid to find ways to cut every financial corner you can to ensure that you are doing your part to combat the debt epidemic.


Tuesday, April 26, 2016

California schools

All across the country there is an increasing emphasis placed on early learning. Parents in California Schools desire preparation for their children at younger ages for the academics and atmosphere of school. California Schools have implemented initiatives to ensure that preparation. The First 5 California School Readiness Initiative has garnered support from the large state since its beginning in 2002 and was granted $206 million to fund programs that help transition young children into the school system.


The First 5 Initiative of California Schools focused on early care and education, parenting and support services, health and social services, school readiness for children/school capacity, and program infrastructure, administration and evaluation. Ending in 2006, this initiative completed its purpose and was followed by other California School readiness initiatives. California Schools are invested in the idea that preschools have tremendous influence and power.


The First 5 Initiative Of California Schools has formulated a task force that also branches into other areas of student help. California Schools have earned an A on their childhood obesity report cards, owing in part to the California First 5 obesity prevention campaign. The group constructed ads targeting parents and warning of the dangers accompanying obesity. Physical education programs have become more prominent in California Schools in keeping with the struggle against obesity, particularly in young children. First 5 California is attempting to stop the obesity trend in California Schools through student, parent and community awareness.


In the hopes that children of migrant workers might receive equally well-grounded educations in California Schools, the California First 5 has undertaken the challenge of funding the California First 5 Children of Migrant and Seasonal Farm Workers project, which has targeted 3 and 4 year old children since its inception in 2003. This program helps struggling families in California Schools receive educational childcare, enroll more students, find transportation and improve test scores.


In October 2005, California First 5 found that a serious percentage of students entering kindergarten lack the necessary skills to succeed in California Schools. In an effort to allow children the chance to begin on equal footing in grade school, the California First 5 has acknowledged that all previous student preparation is simply the groundwork of what must eventually be achieved. California Schools’ children who participate in early childhood programs are more successful than those children that don’t. Therefore, the California First 5 has doubled their dedication and hopes to alert more parents to the seriousness of childhood education. California First 5 encourages parents to read regularly to their children and be aware of the benefits of preschool.


California Schools recognize the geographic sprawl of their state. In order to unify and aid incoming students, progress must be made in the partnership between parents and the school systems. California First 5 works to comprehensively alert parents and makes efforts to keep them aware of urgent trends, such as the youth obesity crisis in America. As shown in the results of past initiatives, California Schools have succeeded in their agendas primarily due to parent involvement and the success of upcoming programs will continue to depend upon parental participation.


A spectacular trail find on the swan range of montana - a trek to the summit

This time was different. Previous years I had settled into a tent near the car at the viewpoint below Richmond Peak, a timbered ridge to the north and east of Seeley Lake, Montana. Time and again I had enjoyed the awesome view of the mighty wall of mountain ridge that rose up from the canyon below me, towering over all surroundings - the majestic Montana peak of Sunday Mountain. From the Richmond Peak vantage point the face of the peak, made up of bare slide zones, with a few ridges of trees and brush, appeared to rise almost straight up from the valley floor below. It was not a mountain wall that I would expect to yield a trail, a bit of a cliffhanger path that would lead to the summit.


Awakening that Saturday morning in August though, again at the Richmond Peak viewpoint, after a quick breakfast, I threw my pack on my back. I then hit the trail up the side of Richmond Peak across the canyon from Sunday Mountain. On a previous hike in the area I had found an unmarked trail that departed the mapped trail/abandoned logging road leading up the side of Richmond Peak. The unmarked trail crossed the saddle where the canyon rose to meet the ridge, and appeared to connect with the Sunday Mountain face, and then head upwards - at a sharp incline. I wasn’t certain where the trail would lead, but it sure gave the appearance of providing a possible access route to the top of Sunday Mountain.


With clear blue skies of an incredible Montana August day, the climb ahead would still be a cool one as the sun of the day was to the east behind the Sunday Mountain ridge. No question about it, this was also bear country - Grizzly bear country. The initial distance on this unmarked trail led off through dense, overgrown brush as it led across the saddle. What better place for them to be hanging out than in the dense brush I was working my way through.


Such a huge relief to make it past the dense brush, with no bear tales to write home about. Out into the open I was on the lower flanks of this mountain I had dreamt of tackling for years. As noted, the trail immediately took a sharp turn, upward in a steep climb. Then, veering off to the north across the face, a slightly leveler trek ensued as it angled upward across the face through wonderful fields of bear-grass mixed with a myriad of flowers in a rainbow of colors. It was almost beyond belief - trekking through chest high fields of flowers on the trail to Sunday Mountain.


The trail led across 2 or 3 avalanche draws filled with bear-grass, then doubled back, requiring scrambling up rock ledges, and again leading off across the draws. With another hour of scrambling the steep path, to my surprise I found myself working through a high mountain meadow area apparently home to a band of mountain sheep. My heart beat faster as I realized that this high meadow was tucked in directly below one of the summit cliffs outcroppings. Given the climb to that point, like my heart could beat much faster.


Another 20 minutes of scrambling, and at last, the summit ridge for Sunday Mountain was conquered. The view stretched before me down and back into Montana’s Bob Marshall Wilderness Area. To get to the Sunday Mountain summit called for another half hour of scrambling, following the ridge up and up until I could go no further, the highest point on the mountain ridge.


What a sense of triumph! In all directions the ground dropped below me, to the east off into the vastness of the Bob Marshall Wilderness with a large expanse of Grizzly Basin directly below. To the west from this birds eye view, the steep drop off I had just come up opened out on an expansive view of the Swan Valley with the Mission Mountain Range lining the western horizon. Below me, drifting lazily on the breezes, an eagle circled looking for it’s afternoon snack. To the east from my perch at the top of my world, 2 or 3 snowbanks in the draws below me persistently held out for upcoming fall and winter reinforcements.


An absolutely spectacular find on the Swan Range. From that wonderful vantage point other primary access jumping off routes for the Bob Marshall Wilderness were visible up and down the Swan Range. To the north Holland Lake marked the trail system from there, and south Pyramid Peak marked the access routes over Pyramid Pass. The area - such a wonder, and now I knew there was another route into the Bob. Truth be known, even though the climb was, well...., a climb, it really didn’t take as long to make it to the Bob Marshall boundary as taking the other two primary routes.


Regardless, it was still a physically challenging journey that would lead to a host of aches and pains in this 50 something Montana explorer. It was certainly great to know that there was a cozy, comfortable base-camp set up in place with a hot shower when the hammering up the face and back was accomplished. Either direction from this incredible corner of Montana there were whole sets of quality motel accommodations with soft beds, hot showers or even a Jacuzzi to soak the tired muscles. Perfect base-camp lodgings were available either locally in the Seeley - Swan Valley, at the northern end in the Kalispell and Columbia Falls area, or at the southern end in the Missoula area The crowning touches to a truly stellar Montana mountain adventure.


Monday, April 25, 2016

My new home-internet business fresh hope for a bright future

My name is Andy. I live in the UK, in the North West on the border of England and Wales. I am an ordinary family guy with a lovely wife and three beautiful kids. Around 4 weeks ago I started my own online home business. Before that I had no idea that you could make money online other than through selling stuff you don’t want on eBay or Amazon. I had come to the point in my career where I was finding it difficult to progress, wasn’t making enough money to cover my outgoings, was spending too much time away from home, trying to deliver something which I didn’t believe in myself to customers who didn’t want it!. I had considered setting up my own business in the past but didn’t really think such a venture matched my skills, didn’t have the capital for it, and it was all a bit too much of a risk. Then I had a brainwave – a search for ‘make money online’ opened up a whole new world of possibilities, and suddenly my whole attitude changed – there was a world of opportunity out there for someone like me to start there very own online business!


Truth is, running an online business is not for everyone. For me I believe it is. In my daily job I love the days when I work at home and have no phone calls to make. Some people love the ‘buzz’ of the office and need people around them. I would much prefer to switch off the phones and work on a spreadsheet all day, spend some time with my family in the evening and then maybe join one of my friends down the pub. This is enough for me – a simple guy at heart, and running a home-business would seem to suit a guy like me.


But a word of warning – it’s not easy money, there are shortcuts to success, but you invariably have to pay for them and they are generally short-term. It takes time and effort to build up your own business and make it sustainable. You can do it in your spare time, but there will be choices you have to make along the line as there are many different routes you can take. I am not there yet by any means, not even close, but I can see signs that things are beginning to build. I am certainly not in a position to even consider quitting my day job, but I have hope that initially I will earn enough to maybe pay for a holiday, then a car, and one day, maybe I can. All I can say at this stage is the last few weeks have given me real hope that I can do it and above all I have thoroughly enjoyed it – perhaps more so than anything else I have done in the last few years (and that’s saying something!)


If you read this and decide that starting a business is for you check out the links above – these are two quite different affiliate type programs (both of which I have signed up for). The common thread through both of these is that they give you both the tools to setup your business and the education to market it and run it successfully. They are both excellent programs.


If, having read the above you do decide to go for it – good luck!


New internet filter and kid safe web browser keeps internet safe for kids

Finally there is a solution for parents and grandparents who want to allow their children the freedom to surf the Internet without the fear that they may stumble across the “wrong things” online. Children’s Educational Network has designed a very unique, free Internet filter and parental control multiple themed “Kid Safe Browser” which is the gateway to what they call TUKI.


Most everyone with children has either experienced first hand or knows someone with children who have stumbled across negative content (either innocently or intentionally). The Kid Safe Browser is designed to give parents the ability to have a say as to what their kids are looking at. Parents are given the tools to either delete or add (pre-approve) websites that they deem appropriate or inappropriate.


TUKI is the acronym for “The Ultimate Kids’ Internet” ( TUKI. com) and this is the membership portion of the their service which offers many premium features. The one very important and meaningful benefit for you and your family is the educational aspect of the Kid Safe Browser. Management of the Company are committed to not only protecting children with technology but also offering educational messaging to teach children the ins and outs of being a responsible, safe web surfer.


This educational messaging is a real powerful feature that we found with TUKI and could not find any other Internet filter or parental control software that also offered an educational aspect.


The Kid Safe Browser gives access to thousands of pre-approved (by teachers and parents) websites that can be surfed (NASA, Nickelodeon, Disney etc.). If a child tries to go to a website that has not been pre-approved the browser displays a message that reads: “This website is not in the ‘Approved List’.


Parents can then decide whether or not that site is acceptable for their child to visit and choose to add it if meets their approval. There is also a “Internet Protection Lockdown” feature that prevents the user from exiting the Kid Safe Browser and entering another browser (AOL, Netscape, IE etc.) that allows access to potentially controversial websites.


Yet, another concern for Parents is that they might receive unsolicited (spam) email. As part of the TUKI membership kids are issued a spam free and safe email account. Again, parents are given the keys to their children’s email box so to speak. Parents pre-approve who the child can send and receive email from. Parents can also add key words (to an already existent ‘Ban List’ that a child cannot send out via email & chat. For instance, a child would be prevented from giving out private information such as a home address, home phone number, school name or sports team or any other bit of information that a parent might feel would compromise their privacy or safety.


Other features of the TUKI membership are “Chore Reminders” and “Encouraging Words”. Since each browser has it’s own (themed) animated talking Internet Guide, (The Noah’s Net Browser has Noah – The Mindstein Browser has Professor Mindstein) Parents can dictate some of the things that the Internet Guide will pop up and say; “Mandy – did you feed Fido today?” “Billy, Your Mommy loves you so much!”


For the most part, the Kid Safe Browser is pretty easy to use. Mostly, your kids will love the talking animated characters; the many games included with the software, and homework sites that make keeping with their schoolwork easier. Meanwhile, you will love the fact that you can sleep at night knowing you’ve taken action in preventing your child form being exposed to sites and sounds that he or she shouldn’t.


As a child advocate I recommend everyone to take action and get this new free Internet filter and parental controlled Kid Safe Browser. To get your own Kid Safe Browser visit tuki. com and download your very own Kid Safe Browser.


Sunday, April 24, 2016

Money counters simplifying money management

When you hear the word “money counter”, the first thing that comes to your mind is someone who counts money. Money counters do count money, but they are not persons. A money counter is a machine that can count, add, stack, and detect money. Money counters are used by banks, arcades, casinos, restaurants, multi national companies and any firm that handles a lot of cash or change in a day.


Money counters are used all across the world to increase speed of counting cash, eliminate errors and simplify money handling. There are machines that can handle international currencies. These machines can detect the currency from various countries and display their values.


Money sorters come in all kind of shapes, sizes and types, as well as configurations and price ranges. There are simple banks meant for children that help them count their allowance and there are complex counters that place coins into rolls and tally the exact amount. There are other money counters that count and sort cash as well.


Counterfeit Detectors


A counterfeit detector is a built-in setting in a money counter that detects fake currency from the rest of the bundle. If the currency is counterfeit, an alarm alerts the user. A counterfeit detector has the following components


· A magnetic detector scans the bills for the magnetic component that is used while making bills. In case of US bills, the bills when passed over the detector will produce a positive magnetic response.


· A magnifying detector is used to detect and check micro printing, fine-line printing pattern, serial number, inscribed security thread etc that is customized on various currencies. These cannot be seen with the naked eye. Hence magnifying detectors are used.


· A watermark is a specialized marking found on the US currency. It is produced by applying pressure on the bill mold. Holding the currency against a UV bulb will detect the quality of the watermark. A weak watermark means fake currency.


· Every US dollar bill has unique color shifting property on its lower right hand side corner. If you focus the bill on the lighted reflector, that part changes color from green to black. If there is no change in color, then it means the currency is counterfeit.


Use counters to improvise your money management mechanism!


California is sunshine and fun

Sunshine and fun is what California in USA is all about. This Pacific Ocean bathed state was one of the last to be incorporated into the union, but soon became one of the first on the list for travel and holiday entertainment. It shone bright with so many stars when Hollywood opened its gates. And talking about gates, was known for its innovative methods in construction when it built the Golden Gate Bridge. And it was Walt Disney's choice when he decided to build the happiest place on earth, creating Disneyland. It is easy to travel up and down the whhhole Califonia coastline with a fantastic car rental from any of the airport locations, visiting museums, natural parks and other theme parks, making your California dream come true.


Los Angeles Radiates with Excitement


Los Angeles, LA or as some call it ' The City of Angels' is saturated with all kinds of entertainment. What firstly calls the visitors attention is anything that has to do with Hollywood and its stars. The first stop is usually Hollywood Boulevard to the Walk of fame where you can see whose hand and footprints have a likeness to yours while visiting the Kodak Theatre, famous for the Oscar celebrations. And if your are lucky, you might share a fitting room with someone famous as you go shopping on Rodeo Drive in the Beverly Hills neighbourhood, at Santa Monica Square or on Hollywood Drive. From Muholland Drive you can click away at the famous 'Hollywood' sign which is a symbol known to everyone all over the world. All this excitement and its has not even cost you a penny!


Not too far outside of LA, in Anaheim, you can find the 'Happiest Place on Earth' which everyone knows is Disneyland. I went there thinking that I would be trailing around after my children while they lived the dream of their lives, but I can assure you that I was more thrilled and enthused than my kids. I relived childhood adventures that I thought had long passed with my buddies Mickey and Minnie and shared new ones with my family. The price of $86 for adults and $76 for kids over 9 years of age with transport from our hotel was well worth it. I have been told that Disney world is better, but only seeing is believing. Many friends of mine have even opted for buying apartments in the Los Angeles area so that when they spend their holidays there, they do not have to worry about lodgings. One dream spot is in the Palisades, a small town residential area not far from Sunset Boulevard and only a stone's throw from the impressive three mile run cliffs that stop the Pacific from entering.


Crossing California to San Francisco


But if you really want to get a good grip on California, then let's go down to the Pacific Ocean and over to the Golden Gate Bridge in San Francisco. One thing is to stand at a distance and admire its greatness but the best is to be part of it. There are bike ride tours over the bridge which first take you along the Bay Trail past various interesting points and then over the 1.7 mile long bridge. But San Francisco woud not be complete without a visit to the Island of Alcatraz and its piercing prison and museum filled with tingling history. Everything about California makes you tingle!


Thursday, April 21, 2016

Opt-in email and ezine advertising still more effective than rss blogs and ppc

When you factor in all the costs related to promoting via an Opt-In Email or Ezine campaign you are still getting the best return on your advertising dollar investment than using RSS, Blogs or PPC. The measurable results are significantly faster than RSS and Blogs and less expensive than using Pay Per Click marketing. Without a doubt, Email and Newsletter advertising campaigns are still two of the best tools available to promote your product or service.


Email Marketing Campaigns


There are a great many people that are still reluctant to use what is one of the best marketing tools available today. Many marketers associate email marketing with spam and have concerns about being shut down by their ISP or hosting company. The fact is, done right and by following specific guidelines you have little to fear. Follow the guidelines outlined below and you will probably kick yourself for not using this tool a lot sooner.


1) CAN-SPAM COMPLIANT: Just about everyone receives hundreds of spam-related emails per week and that is the main reason a lot of legitimate businesses balk at using email marketing. But if you are a legitimate business you only need to do a few things to make your email marketing efforts legal.


(a) Subject Line: It should not be misleading in any way. It should relate to the body of the message and it is a very good practice that the first paragraph relate to the subject line.


(b) Specific Opt-Out Instructions: You must include a way for the reader to opt-out by supplying a link that works.


(c) Physical Address: If you work out of an office this is the address that should appear after your signature. If you work out of the home your home address should appear after the signature.


(d) From Address: Messages should be from the same "from address"


2) USE OPT-IN EMAIL ADDRESSES ONLY: This is very important. Use only Opt-In email addresses for your marketing efforts. There are many legitimate email suppliers so you have a lot of options. And even using 100% Opt-In Email Addresses does not guarantee that you won't have a few people complaining. But if you purchase addresses that include the full name, IP and date stamp you have proof of the opt-in just in case it is needed.


Additional Tips For a Successful Email Marketing Campaign


1) USE EMAIL MARKETING SOFTWARE: We like Broadc@st HTML Bulk Email Software ( myaffiliateprogram. com/u/mailwork/b. asp? id=1979) and GroupMail 5 ( infacta. com/asp/common/groupmail. asp). Some of the suppliers listed below provide free email marketing software.


2) USE SPAM FILTER SOFTWARE: Don't let this software intimidate you. The software is easy to setup and use. It is a good idea to use spam filter software to filter out words or phrases that tend to get flagged by ISP spam filters. Some of the suppliers listed below provide free spam filtering software.


3) USE AUTORESPONDERS: Using an autoresponder will save you a lot of time and work. You can preload messages and assign specific criteria to when they should be sent. Some of the suppliers listed below provide free autoresponder software.


4) TUESDAY, WEDNESDAY & THURSDAY ONLY: For best results send your email campaign from Tuesday to Thursday. These are the days that will obtain the most attention to your message. Monday is usually bad because people are planning their work-week and getting tasks out of the way quickly. Fridays are bad because most people are already planning their weekends.


5) COME TO THE POINT IMMEDIATELY: Don't write a book. Try to be as brief as possible and outline your key points in the first paragraph. If you word it right the reader will read on.


Here is a short list of companies that supply 100% Opt-In Email Addresses.


Email Leads For Less


email-leads-for-less. com/Hot_100_Opt-In_Email_Leads. htm


EmailResults. com


emailresults. com/default. asp


Exact Sales Leads


exactsalesleads. com/


Expedite Media Group's Email Marketing Services


expedite-email-marketing. com/index. htm


GetResponse Power Leads


getresponse. com/leads_offer. html


Lifeline Leads


lifelineleads. com/default. php


OptInDataSite. Com


optindatasite. com/


PermissionDIRECT


permissiondirect. com/index. asp


Prospects Influential


prospectsinfluential. com/


Red Clay Media


redclaymedia. com/


Salesleads. tv


salesleads. tv/index. html


SimplerLeads. com


simplerleads. com/


TheListGuy. com


thelistguy. com/index. html


Tip Top Leads


tiptopleads. com


VentureDirect List Services Group


venturedirect. com/html/lsg-about. htm


Please take note that the information contained in this article was up to date at the time of writing and is subject to change at any time. Additionally, it is not the authors intent to recommend or guarantee products or services of the companies listed. We believe that they are all legitimate and provide good products and services but readers are always encouraged to do 'due diligence' prior to making a purchase.


Be smart and repay your credit cards quickly

There are few things in life that can cause as much long term strain and pressure as financial worries. Especially if you have children or a family to support, you will be very aware that failing to keep on top of finances is not an option. Therefore, there are certain steps that you may wish to take to make this job that little bit easier and have fewer things on your mind to stress or worry about. One of these pieces of advice will usually be the repaying of your credit cards.


Credit cards are extremely useful and convenient finance facilities, but as we all know, they can charge very high interest rates and in this sense are a very expensive tool to be using, particularly if you are not paying back your full outstanding balance each month. Therefore, it is advisable that if at all possible, you try to repay your credit cards and keep a zero balance on them. This is however easier said than done. For most people, earning the money to repay the card is not really the problem, it is more that they simply keep using the card and spending the money, even though they have realised that they can no longer afford to be maintaining the outstanding balance.


If you do want to clear your credit cards, one of the first things you should do is set up a direct debit or standing order to pay off a certain amount each month. This way you will always pay your bill on time and will not be subject to administrative penalties or fees for late payment. The amount you set for repayment level should be significantly higher than the minimum required repayment. This is because keeping the payment at the minimum will not pay off the credit card balance very quickly at all. In fact, it may just a servicing level that will pay the interest but make no progress at all towards the outstanding balance.


Once you have set a monthly repayment amount and are satisfied that it is high enough to repay the credit card balance in a reasonable time frame, what you should next need to do is stay strong and discipline your spending. This means refraining from using the card, and perhaps waiting until next month when you have cash to buy something you need or want. It is this discipline that will be the difference between clearing the debt and carrying it into the future. If you find it too difficult, consider leaving the card in a safe place at home or even cutting it.


Remember do not just keep to a minimum payment, this is a sure fire way to get further into debt. By paying an extra Ј10 each month your total credit card interest will drop substantially. Credit Card Companies set their minimum payment requirements too low, many at just 2%, and too many consumers fall into the trap of thinking minimum payments are adequate.


By taking heed of our advice you will soon find yourself clear of credit card debt.


How to pursue a health care degree online

Thanks to the increase in online educational opportunities, you can now get your health care degree online. However, just because the decision to continue your education has gotten easier, doesn't mean that you should rush into it. Your degree is a major step in the advancement of your career. Before making any final decisions, you will need to consider your options carefully.


Here are several steps you should take before pursuing a health care degree online.


1: Envision your career. This may sound like a no-brainer, especially for someone who already knows they want to pursue a health care degree online. However, you would be surprised how many people dive in without knowing first what they want to do with their degree once they complete it. Before you make any decisions regarding your degree, first think about and write down, if possible, your career vision. Include as many concrete goals as you can put into words. You will need to keep this vision in mind as you are looking at schools.


2: Compile a list of schools you are interested in. Before you begin researching any one school in depth, you should create an overview of all the schools you are interested in. You will narrow them down later; right now it is more important to make sure you are aware of all your options. To find schools that offer a health care degree online, you can do an Internet search, check with the library, or ask for referrals from friends and co-workers. If you already hold a job in the health care industry, your employer may also provide resources for finding schools and pursuing degrees.


3: Research each school's program in order to narrow down your list. Some of the schools on your list you will be able to eliminate pretty quickly. With others, you will only decide after researching the school and its program. Regardless, it is important not to decide on a program without knowing first exactly what you will be getting for your money. Ask to see information on the curriculum, including graduation requirements and course descriptions. Research the school's instructors, reading their bios and taking note of which classes each teaches. Finally, verify the school's reputation with employers in the industry. You don't want to go through all the trouble to earn a health care degree online, just to find out that employers don't have any faith in your school's graduates.


4: Arrange for financial aid. Once you have chosen a school, or even once you have narrowed your options down to two or three schools, you should start applying for financial aid. Aid is typically given out on a first-come, first-served basis, so waiting too long can cost you, quite literally. Although the financial aid process can be somewhat intimidating, the financial aid office at your chosen school should be happy to help you.


5: Study and prosper. If you haven't already enrolled, now is the time to do so. Having made an educated decision on what school to attend, you can now relax and focus on doing the coursework necessary to get your health care degree online.


Deciding what school to attend should never be a one-off decision. You are paying a lot of money for your education, not to mention putting a lot of time and effort into earning your degree, and you have every right to the best education that money and effort can buy. Before pursuing your health care degree online, follow the steps above to make sure you are making the best possible move for your career.


Wednesday, April 20, 2016

Dental insurance a white collar robbery

Dental Insurance is a big racket-- I don't say this to offend you. It is a big racket having 32 teeth (Normally!) Still not clear on why do I call it a racket? Well, if you break a cord of the racket, only that cord needs to be replaced; the racket is in tact. Similarly, if you lose a teeth (God forbid), the loss is limited. How expensive the dental treatment is! You give your teeth to the dentist and make payment as well.


Without insurance protection, dental treatment is a difficult proposition. I remember about a real life incident. A health benefit scheme was introduced in a Bank under which actual dental care treatment expenses for Officers were reimbursed in full. The response to the scheme was awesome. Claims for reimbursement of expenses poured in. It almost assumed the form of a racket.


One particular officer tendered bills for reimbursement of expenses, almost daily. One day I asked the dealing Assistant, “What's wrong with the dental health of this Officer? Is he dentally, medically unfit?” Going by the claims he is submitting and the nature of dental problems descriptions, not only he, his next seven generations need to be declared medically unfit! I added.


This happens with every good scheme, badly implemented. But most of the schemes today are not so good policies and implemented quite effectively by the insurance agents.


As for making the plans, the think tanks in any insurance company are capable of working wonders. The premium structure is so planned, you just don't realize, how nicely they take out the money from your pocket! After all they have to pay fat salaries to their executives, their fat TA bills, the air-conditioned comfort in the offices and residences, the huge housing loans at negligible rates of interest, the bonuses and incentives, ample number of holidays, travel by air and a lot more expenses.


The normal essential dental plan covers eligible expenses including diagnosis expenses, prevention and treatment expenses, dental cleansing, dentures and fixtures and surgery. You need to study the policy terms and conditions carefully as there are always ifs and buts conditions, and the settlement of the claims depends upon the social ethics of the society/country. The clause “conditions apply” mostly works to the disadvantage of the policyholders.


Someone has compared the insurance business with, “white - collar robbery”. He must be having his valid reasons!


Lune de miel en mer

Il est loin du temps du Titanic, avec sa carapace majestueuse, sa luxure, son confort, ses services а bord! Dйtrompez vous, les paquebots de croisiиres existants de nos jours ne font que reprendre l'idйe du Titanic, avec des matiиres plus simples mais d'avantage confortables et fiables. De plus, l'idйe des jeux dйjа prйsente а bord du Titanic a йtй reprise а bord de la majoritй des bateaux avec la mise en place de salles de casinos et leur fameuses tables de craps pour des parties pleines d'йmotions et s'amuser lorsque le bateau reste en mer.


Nul bateau ne peut vous кtre recommandй plus qu'un autre du fait que cela dйpend entiиrement de vos goыts, de vos attentes et de votre objectif, culturel ou romantique. La destination dйpendant йnormйment de vous, le bateau amarrй pour cette croisiиre l'est donc йgalement. Pour cela, les listes ne seraient кtre complиtes.


Les navires les plus connus sont les suivants:


1) Voyager of the seas:


Destination les Antilles. Ce paquebot est le plus grand au monde, et nous faisons grand usage de l'espace disponible. Vous y trouverez plus d'activitйs et d'expйriences que vous ne pouvez imaginer. Un mur d'escalade vous attend pour pouvoir pratiquer votre souplesse et votre rйflexion et dйcouvrir l'ocйan sus un angle nouveau. Au dйpart de Miami, des escales sont prйvues а Nassau, Saint Thomas, San Juan, Labadie, et deux journйes en mer avant un retour au lieu de dйpart. Dйcouvrez йgalement la fameuse patinoire oщ vous pourrez boire un bon chocolat. La vie nocturne y est йgalement de mise: les boutiques, les cafйs et autres animations du s'ouvrent а vous. Danser jusqu'au bout de la nuit au Jesters, une boоte de nuit entraоnante rйpartie sur deux йtages.


2) Jewel of the Seas:


Mis en service en mai 2004, le Jewel of the Seas est caractйrisйs par l'allure innovante des super yachts. Il possиde un design avancй avec ses grandes surfaces vitrйes dans les espaces publics et des ascenseurs de verre donnant sur l'ocйan. Au choix, voyagez sur ce paquebot autour des Caraпbes ou dйcouvrez l'Europe Transatlantique. Le "must" des Caraпbes vous attend aux escales de Fort Lauderdale, Key West, Cozumel, Costa Maya, Georgetown, et en mer. Pour les amoureux de l'Europe, des escales inattendues vous permettront de dйcouvrir Oslo Copenhague et Hambourg sous un jour nouveau, ou encore, toute la Scandinavie, ses fjords et la Russie grвce а des visites а Harwich, Oslo, Copenhague, Stockholm, Helsinki, Saint Petersburg, Saint Petersburg, et Tallinn.


3) Explorer of the Seas:


En route vers les Antilles. Ce paquebot, regroupant les caractйristiques du Voyager of The Seas, vous plongera dans un profond dйpaysement au choix, de la Floride au Bahamas, aux Caraпbes, au Mexique, ou encore au bermudes. Vous pourrez, le temps d'une escale, dйcouvrir aussi bien Fort Lauderdale, Labadie, Ocho Rios au Mexique, que Miami, Belize City, Costa Maya, Cozumel, et Georgetown pour dйcouvrir le charme des Caraпbes.


4) Monarch of the Seas:


De taille йquivalente а la Statue de la Libertй, ce paquebot vous offre la libertй de vous lever avec le soleil, la libertй de laisser les enfants en sйcuritй grвce au programme pour les enfants а bord. Ce paquebot vous laissera rкver au travers de ses croisiиres sensationnelles au Mexique. Dйcouvrez les villes de Los Angeles, San Diego, Ile Catalina, et Ensenada en cinq jours. Cinq jours de dйpaysement garantis.


Tuesday, April 19, 2016

Bankruptcy the last financial resort

Bankruptcy – the word itself is enough to send shivers down your financial spine. But in a world where perfection is all, and the visual expression of that perfection comes in the amount of possessions we can amass, bankruptcy is becoming an option for more and more of us. With an estimated one and a half bankruptcy cases taking place in 2005 alone, it seems that we are head for the courts in our droves in some attempt to get our finances back on track. But if you are struggling financially, how can you tell whether bankruptcy is the right choice for you?


So many of us are feeling the pressure to keep up in this modern world by enjoying all the luxuries our paycheck can afford. The problem is that for many of us, we can’t afford this way of life at all, and buy now thinking that we’ll worry about the cost later. Financial responsibility, it seems, doesn’t come easy to us, so much so that we are choosing what should be a last resort all too easily. But beware – bankruptcy might offer the financially troubled a clean slate, but it doesn’t mean there’s not a price to pay.


There are a number of different types of bankruptcy, which involve either the liquidation of your assets or participating in a repayment scheme. While it is true that a portion of your debts will be written off, you will be held accountable for certain debts, which will be included in your repayment plan. Bankruptcy does allow a certain amount of flexibility in the way that this is done, but it should not be thought of as a get-out-of-jail-free card that comes without consequences.


Bankruptcy also has implications for your credit future. The fact of your bankruptcy is likely to be listed in your credit reports for ten years, during which time you may find acquiring credit to be quite difficult. Renting apartments or leasing other items may become more difficult to those with a bankruptcy behind them. On the other hand, because you are now prohibited from declaring bankruptcy for some years, some creditors may be more keen to take you on, as you have no way of escaping your debt. This can help recreate the cycle of debt that led you to declare bankruptcy in the first place.


Bankruptcy can be a useful tool in regaining financial control, but it is not a decision to be undertaken lightly. Weigh all your other options before you proceed, and avail of financial counselling if you can to help you to be more careful next time around.


Monday, April 18, 2016

How your home can benefit from a furnace humidifier

Home improvements are big business these days, with many home owners spending a great deal of money on improving their houses and apartments. However, there are also ways of keeping your home and belongings in good condition without spending a fortune on repairs and decoration. One appliance that can really help to keep your home in good condition is a furnace humidifier. This appliance serves as a valuable tool min improving the air quality within the home, which can then eliminate the risk of damage to your home, your belongings, and your health. Over recent years, air cleaner and humidifier prices have become far more affordable, so now many more people can benefit from the benefits that this type of equipment offers. You can enjoy keeping your whole house in god condition, from your kitchen and bathroom to your bedroom and living areas, when you use a furnace humidifier.


How can a furnace humidifier help?


When you have a home that is beautifully decorated and furnished, the last thing you want is to have all of that ruined due to dry air. The climate within your home can have a surprising effect upon everything within it, and by using a piece of equipment such as this you can inject moisture back into the air, thus alleviating the level of dryness and eliminating the problems that can be created by lack of moisture. However, it is not all about maintaining the decoration and furniture within your home – even more importantly, using this type of humidifier can also have an impact upon your health. Dry air can create and exacerbate a number of health problems, from allergies and skin conditions to respiratory problems. By improving the air quality with a humidifier you can vastly reduce the risk of these health problems, thus enjoying a far better quality of life when at home.


The furnace humidifier is easy to use and maintain


You will find a range of makes and models of humidifier, so you should have no problem finding something to suit your needs and budget. The benefit of the furnace based version is that, unlike conventional humidifiers, it can connect to your water supply, which means that you don’t have to worry about refilling it. You will find that many provide a wide ranging evaporating surface, which means that more of your home will be covered and protected, and you can look forward to effective alleviation of bacteria and mold problems arising. These humidifiers are easy to clean and maintain, and with many models you will find that you only have to clean them out once each year, saving you time and inconvenience. You can select from models available from a range of reputable manufacturers that are well respected in their field, so you can also look forward to reliability and high quality in your humidifier. With the special deals and discounts available online, you can start protecting both your home and your health without delay.


Using hypnotic nlp language patterns to increase sales

Using hypnotic NLP Language patterns in web copy can dramatically boost your sales. The power of Hypnosis and NLP in Business has been significantly on the rise in recent years, but often it has been difficult to clearly demonstrate the results that can be achieved. Graduates of The NLP Company courses are proving the power of NLP through before and after tests on websites.


Neuro linguistic programming and Hypnosis are being increasingly used in Business. The NLP Company the leading provider of NLP Applications for the UK have been working with select individuals to provide dramatic evidence of the power of hypnotic and NLP persuasion.


Having several websites modified by graduates of NLP training courses and the difference in conversion measured shows that using simple linguistic formula you can increase your sales but over 400%.


According to Rintu Basu, the only UK Hypnotic Persuasion Trainer, learning the skills to do this either face to face or in written form is easy. “We have many graduates attending our NLP Practitioner courses that go and do great things with it. The big difference with these sales examples it that it directly evidences the power of attending one of these courses”


Dave Ross, SEO Scotland says “On one of my sites the conversion jumped by 400% when I put into practice the things I learnt. I attended a standard NLP Practitioner course a few years ago, but it was only recently having done a course with The NLP Company that I actually realised the power of NLP and Hypnosis in business.”


The growth of NLP in the UK means it is important to know you are attending an NLP practitioner course that will give you a significant return on your investment. Rintu, having developed several of the trainers in Scotland and world wide offers certified courses that are pragmatic and results focused. He can therefore provide support in finding courses that are right for you.


Hypnotic language is an easy skill to pick up when taught well. Its use in sales and business generally is clearly increasing. Any sales professional that is not studying this sort of technology is not doing their careers any favours.


Taking a NLP Practitioner Course will make a huge difference to your life, your relationships and your business. Any good course will give you this, and that is exactly why you should aim for the best rather than just any course.


If you consider your criteria for going on the course and match that against the outcomes stated for the course this would be a good start. For any sales or business applications you should ask for references, and actual figures for results achieved through using the tools on the course.


Sunday, April 17, 2016

Unlock the psychic within

Becoming a full time psychic and healer is something that was chosen for me rather than a conscious choice I made. Talk to psychics and many times you'll find the same story; one of the innate ability being awoken within us at some point in our lives that pushes us to do this work


One of the first things I noticed was that suddenly to many people I'd become some sort of alien. A lot were sure I'd totally "lost it", giving up the big salaries and high profile of my previous occupation to become something they saw as 'flaky' and 'weird'…


What undoubtedly influenced them, was the word 'psychic' conjuring up a vision of the archetypal end-of-the-pier' fortuneteller sitting aloft a crystal ball professing that 'you'll meet a tall man driving a sports car and have 3 children'.


This stereotype is far from the truth of most psychics' daily work, which is being someone who can commune with the universe and spirit to offer guidance, reason, direction and foresight beyond the conventional; being there for people who need to find their way onto their destined life path. I use the term 'calling' because when it happens, the drive to use the ability is profound and transcends other concerns such as what other people are going to think.


Even with the chuckling and comments received from others when I changed my situation I've rarely come across anyone who isn't fascinated by psychics and psychic ability - both skeptics and believers alike. Somewhere within all of us we're intrigued, we have an underlying human quest to know what life is all about and that makes most of us express at least some interest in anyone who could possibly see beyond the physical world.


It's this fascination that seems to be a part of everyone that makes those of us working in metaphysics the subject of endless conjecture. Many want to believe but can't see past their own boundaries that if it hasn't happened to them then its hard to believe and they need what they call 'proof'.


You won't ever meet a psychic who hasn't been asked to 'prove it' and yet despite proving it every day in our work, many individuals need to personally experience a psychic reading to start to accept on any level that there is something 'out there' beyond what we can see and touch and taste and smell and hear. This is because we live in a world of 3 dimensions, looking to our five senses for our sense of reality, which actually blinds us to the other dimension, that of energy. Our 'proof' that something is real is if we can see, touch, taste smell or hear it.


To question that 3 dimensional reality for a moment in order to illustrate the point…Very few people understand the theories of electromagnetic propagation, yet we all experience turning on a TV set and watching the pictures sent through the air…We can't see, feel, smell or touch these magical waves and most don't understand them; yet radio transmission has become an accepted norm and so we don't see the need to question it, we just turn on the TV. It's being trapped in this physical version of truth and reality and only accepting what can be manifested in 3 dimensions i. e. the TV set, the radio, the microwave etc, that has conditioned us away from our natural psychic ability to read energy.


Energy is at the core of our being. It's emotions, senses, intuition, sensation, spirit, vibrancy, courage, love, passion and pain - all of those things that aren't thoughts. In other words it's primal to our existence…and yet we often only credit what we think is real because it has some sort of 3 dimensional form.


A classic I often hear when telling someone another does actually love them is "my friends say if he loved me he would be with me"…Well ok but these friends just discounted the entire range of negative human emotions like fear, insecurity, doubt, guilt, worry etc. In being slaves to their 'reality' they are being utterly blinded to what's actually happening.. The client will often then ask how I 'know' this person loves them. That's an easy answer, I can feel it…


When we can allow ourselves the freedom to open our minds and more importantly our instincts to a world beyond the physical, that we open a doorway to accessing our own spiritual / psychic potential and then things that previously seemed supernatural begin to make a new sense and reason.


Unlocking ones own psychic potential isn't an add-on to our conventional way of living - it's living life in a totally new awareness. Once we can do that our natural abilities can be accessed up to each individuals maximum potential. Remember I said that many of us find ourselves on this path whether we chose it or not. That's because as part of our destiny we had to go through some personal transformation that brought about this awareness, and with it, our ability to use our psychic connection to the universe in order to help others.


Ok so if you've managed to stick with me this far, then I guess you may want to know how you can access your own abilities…Well like most powerful things the concept is ridiculously easy, but the implementation takes work. Today you are reading this and thinking; thinking that's driving your actions, for example you may throw the article away and not read any further or on the other hand you may decide to read on. You may also be worried that you're late for work, feeling too hot, too cold, too tired or haven't paid the latest telephone bill etc


So we think, that's how we convene with our daily reality…. but while we're doing this thinking what do we feel and sense… Feeling and sensing are the tools used to commune with the dimension of energy but thinking diverts us from attuning to these other senses..


Cosmic energy is the energy that our souls are made of, the energy that the universe is made of, the energy that links us all together and as one humankind links us to the universe. It links our destinies as individuals and the connections between us, plots our pasts, present and futures. As an example; all of my readings are via telephone and people will often ask how I can read them over a phone line. Well the answer is simple, I'm not. I don't even need the phone line because I'm accessing their energy via the universal pool of energy from which we all came, to which we return, and within which we all live. Just like the TV transmissions mentioned earlier, spiritual energy is all around us, and all we need to do is know how to tune in to it.


From this energy psychics sense and feel thoughts and emotions and situations and often-physical descriptions. Any attuned psychic can read someone on the other side of the planet as easily as someone in the next room because we access them through the universal energy - the energy dimension which doesn't have a distance or time, it's omnipresent…


Do we all have this ability…yes, although some can develop to a higher level than others dependant on each individual's maximum potential. Having worked with many people to develop their abilities; without doubt the largest hurdle is not their natural ability - it's suspending disbelief. Some of the most natural psychics I've met have the problem that for a long time they don't believe it.


The classic scenario is someone going through a development session and being asked to read a person, most usually I ask students to read someone I know well but whom they haven't ever met. And even after they've described that person, their personality, situation, relationships, work, emotions and even foreseen events in their lives I often watch the face as they say "yeah but I could be wrong" or "are you sure I've described them properly?"


It's that suspension of disbelief that sometimes takes years to overcome. And the more intelligent and more practical the person training the harder it usually is.. Back again to that 3 dimensional "proof"…And here we touch briefly on an even more interesting point of what is reality.. To illustrate that point, let's say we're in a development training session and we read a subject who the reader has never met. During the session we both feel that the subject is unhappy and not having a good time in their life. Then suppose that subject turned up and we asked them if they felt miserable and life wasn't too good. Ok so how many people would admit that they really weren't happy…


The point here is that we couldn't even necessarily trust the subjects own account of his/her situation because of ego, that brain again, wanting to give an impression that "I'm fine" or "no not me I'm so damn happy"… So which is the reality ? Well here's the punch line and it's an important one in the context of talking about psychic abilities. There is only one reality. Probably one look at this subjects face as they walked into the room would tell us they weren't happy even if they denied it as a form of defense mechanism. But the reality is something else. And we tuned into that reality…. So the cosmic reality is one reality, it's not subjective, it's not open to different interpretations, it just is


This is a vitally important point about psychic reading and it goes a lot deeper into the way the universe works but for now we've illustrated the point… In psychic reading, we are generally looking for answers, reasons, explanations and forecast for people. When we can tune into the person , their energy, connections, friends, worries fear etc we are sensing the true reality of what they are experiencing. but they may either not like to admit it, or be in some way confused or even delusional about what's happening. In that case they may not accept the answers we give them too willingly.


Remember earlier in the article I commented that becoming spiritually developed - more psychically aware isn't an add-on to an existing reality, it's about a new reality and seeing and knowing things in a different way. The above example is typical of how often we can know a truth yet people around us may not want to accept that truth or even want us to know it. Yet it's being totally true to what we are receiving from spirit even when the tangible evidence seems to point the opposite way, that assures our psychic development..


The actual process of psychic reading is a natural one, the real key issues to address using that ability successfully are the one's we've talked about here…. Summing up, what we're saying here is that to access one's own psychic ability it's necessary to take several vitally important steps to …


Accept that we are all linked via cosmic energy and suspend disbelief while you explore your abilities.


Don't think; - sense and feel for the answers. Learning to meditate is an essential to help quiet the brain in order to tune-in.


Understand that there is only one truth to any situation. Stick to that truth and don't waver even if others disagree or people don't like the answer.


Know. True psychic ability gives us an inner knowing about things, a total surety without the need for any other evidence. It's never doubting this knowing and encouraging it at all times that keeps us close to the cosmic truths…..


These things are the hardest part of the path.. Reading itself comes naturally although it is necessary to learn techniques to hone our skills and to understand how to interpret messages and to protect against negative energy.


The secrets of the universe are all there staring us in the face. It's just that we are never going to fully understand them just by thinking…we have to access them using all of our senses and intuition, and once we can we see the real truth, the real magic behind things and it changes our understanding forever….


Have fun on your spiritual journey


Steve Gunn - Master Psychic


Dog supplements

What to Look For In a Dog Supplement


The market is exploding with products claiming to improve the health and wellness of individuals using vitamins and nutritional supplements. People are now seeking the same products to complement the health of their pets. The benefits of appropriate nutritional supplements are overwhelming and can add several healthy years to your life, as well as your dogs.


Dogs Age Faster Than People


Longevity is attributed 30 percent to genetics and 70 percent to lifestyle. Up to 90 percent of diseases in dogs are due to the degenerative processes associated with aging.


Does Your Dog Act His Age?


Because dogs age seven times faster than people, major health changes occur in a short amount of time. Dogs are considered puppies for about one year, adults from age two to six, and seniors at age seven. Giant breeds, like Great Danes, age even more quickly and are considered seniors at age five. Signs of aging in dogs occur slowly, but generally begin at maturity, somewhere between age one and two.


Dr. Denham Harman’s Free Radical Theory of Aging, applies to people and pets, including dogs. This universally accepted theory states that aging is a process in which the body’s systems deteriorate faster than the body can repair them.


The changes occur due to oxidative damage caused by harmful compounds called free radicals. Free radicals are toxic, electrically unstable molecules. As we age, they are produced more quickly.


Free radicals damage your dog’s body similar to the way oxygen causes iron to rust. They are detrimental to your dog’s genetic material, his DNA and RNA, his cell membranes and enzyme systems.


Free radicals are formed each time we take a breath. Exposure to the sun’s ultraviolet rays, as well as to environmental toxins, pollution, heavy metals and stress contribute to free radical formation. Your dog’s diet and drugs, such as antibiotics, are also factors.


Free radicals weaken your dog’s natural defenses and have been associated with the development of up to 90 percent of the age-related degenerative conditions we associate with aging:


Cancer


Heart disease


Arthritis


Diabetes


Cataracts


Premature aging


Our life span, as well as the length of your dog’s life, is ultimately determined by how quickly free radicals cause harmful oxidative changes to occur. Therefore what you feed your dog, as well as the supplements you choose for your dog are both very important.


Help Your Dog Enjoy a Longer, Healthier Life


Your Dog’s Diet


You are what you eat, and that’s just as important for people as it is for dogs. What you feed your dog directly affects his health and wellness. The longer and more consistently you give your dog an optimally balanced diet, the greater his chances are of living a longer, healthier life.


Dogs, like people are omnivores and can naturally exist on a diet of meat, fruit and vegetables. Consult with your vet to determine the best diet for your dog. Commercial varieties worth looking into include organic, natural diets such as Prairie made by Natures Variety.


Homemade, natural diets take more time and effort but in many cases are well worth the extra effort. Vegetarian and raw food diets are another option that, with careful supervision, may provide complete and balanced nutrition for your dog.


According to the Guinness Book of Records, a Border Collie in England named Taffy, lived to the spry age of 27 eating an all-natural, organic diet.


Healthy Dog Snacks


Fruits and vegetables are healthy, low calorie snacks many pets enjoy. Those rich in antioxidants are especially beneficial for your dog:


Oranges


Tomatoes


Sweet Potatoes


Carrots


Cantaloupe


Asparagus Tips


Oranges are rich in Vitamin C, tomatoes are filled with Lycopenes and sweet potatoes are a source of Vitamin E and Beta Carotene. Carrots and cantaloupes also provide Beta Carotene for your dog.


Antioxidant Supplements for Your Dog: Sooner Not Later


Recent research documents that antioxidants provide very bright prospects for increasing the quality and length of your dog’s life. In addition, scientists have found that sooner is better than later as far as your dog’s potential health benefits. Antioxidant supplementation started as a puppy, before free radical damage has occurred, can increase the healthy lifespan of your dog by up to 20 percent.


Antioxidant supplements, including Vitamins A, C, and E, the minerals Selenium and Zinc, and the nutrients Alpha Lipoic Acid and Coenzyme Q10, are the body’s natural defense against free radical damage. They can help to protect your dog by neutralizing free radicals and decreasing the resultant levels of oxidative damage.


Other noteworthy antioxidant supplements for your dog include:


Bioflavinoids, which help to decrease allergic reactions, asthmatic attacks and have anti-cancer benefits for your dog.


Green Tea, whose antioxidants may decrease the risk of heart disease and cancer and help protect the blood vessels nourishing your dog’s heart and brain.


Lutein, a plant pigment from marigolds, helps to protect your dog’s eyes and may reduce the risk of cataracts.


Melatonin, a potent antioxidant that acts to normalize sleep patterns. It also protects your dog’s brain and has been used successfully with cancer therapy.


The effects of antioxidants are beneficial and act synergistically for people and dog’s undergoing cancer therapy. In well controlled studies, people and pets treated with antioxidants (with or without chemotherapy and radiation) have tolerated treatments better and experienced less weight loss. More importantly, they enjoyed a better overall quality of life and lived longer than individuals receiving no supplements.


Nutritional Supplements for Your Dog’s Bones, Joints & Cartilage


Glucosamine is an amino sugar naturally produced in your dog’s body from glucose, which is your dog’s blood sugar, and the Amino Acid, Glutamine. It helps the cartilage between the joints retain water so the cartilage can act like a cushion to absorb shock and withstand compression. Glucosamine is vital to protecting the health and integrity of your dog’s bones, joints and cartilage. It helps to:


Decrease joint inflammation and pain


Promote cartilage repair


Aid healing of damaged joints


Increase mobility in dogs with arthritis and hip dysplasia


Glucosamine is also a normal component of the urinary bladder in dog’s and cat’s and may help to relieve urinary disorders.


MSM (methyl-sulfonyl-methane) is a natural source of sulfur that works along with Glucosamine to help protect the health and integrity of your dog’s bones, joints and cartilage.


Essential Fatty Acid Supplements for Your Dog


Essential Fatty Acids are vital to life and support all bodily functions in your dog. They help to keep cell membranes soft and pliable, so your pet’s cells can absorb dietary nutrients. They enhance your dog’s skin and hair coat and are needed for the normal development of the nervous system and brain.


Fatty Acids are vital to brain health and help to preserve mental clarity. They decrease the risk of Alzheimer’s disease and dementia in dogs, cats and people. Fatty Acids may reduce the risk of heart disease, stroke and high blood pressure, as well as provide therapeutic effects in your dog for:


Arthritis


Lupus


Inflammatory bowel disease


Cancer therapy


Kidney disorders


Flea allergies, food intolerances and bacterial skin infections can often be relieved by providing your dog with fatty acid supplements.


The proper balance of Fatty Acids helps to reduce wear and tear on your dog’s body by decreasing stress triggered increases in cholesterol and the stress hormone Cortisol. Research indicates that the ratio of 5:1 of Omega 6 to Omega 3 Fatty Acids seems to provide the greatest clinical benefits, surpassing that of any individual Fatty Acid alone.


Amino Acid Supplements for Your Dog


Glutamine is the most abundant Amino Acid in the body. It is the major energy source for the cells that line the digestive system and strengthens your dog’s natural defense system known as the immune system.


Glutamine promotes healing of the digestive system thereby reducing bowel disorders. It spares protein and reduces muscle loss during periods of injury, stress and high endurance activities. Therefore it is especially beneficial for pets recovering from trauma and for working and show dogs.


Glutamine also has many anti-aging effects. It helps to preserve memory and to prevent the harmful effects of Cortisol, the hormone that is responsible for accelerating the aging process in people and in your dog.


Digestive Enzyme Supplements for Your Dog


Digestive Enzymes are produced by the salivary glands, stomach, pancreas and liver and are released into the digestive tract. Enzymes help your dog’s body to breakdown proteins, fats and carbohydrates in his food so they can be absorbed and utilized.


Your dog’s production of enzymes naturally decreases with increasing age. Illnesses, stress, food intolerances, allergies and drugs like antibiotics also have a negative affect on enzyme production and function. This can result in a variety of digestive disturbances ranging from flatulence and gas to diarrhea, life threatening dehydration and malnutrition.


Digestive Enzymes are vital to maintain your dog’s overall health. They improve the efficiency of digestion so your pet’s body can utilize the nutrients essential for energy production and ultimately for life itself.


They help the body to recover from disease and promote restoration of good health in your dog. Enzymes are useful to reduce pain and swelling after exercise or trauma and help speed up recovery rates. Enzymes support your dog’s immune system thereby enhancing his ability to ward off disease and infection. They have been also been used effectively in cancer therapy for people and pets.


Papain is an enzyme that has aspirin-like effects to decrease swollen, painful inflamed tissues in your dog. Bromelain is an enzyme found in pineapple stems that inhibits the spread of lung cancer in mice.


Digestive Enzyme supplements may be beneficial in dogs with digestive problems, immune disorders including rheumatoid arthritis and arthritis, cancer and a variety of bowel disorders. They are especially useful in older dogs with reduced digestive ability.


The Anti-Aging “A” Supplement List For Your Dog:


Vitamin A/Beta Carotene: Antioxidant enhances immunity, essential for your dog to utilize protein in his diet


Vitamin C: Antioxidant, needed for tissue growth and repair, enhances immunity, needed for your dog’s body to utilize Vitamin E.


Vitamin E: Antioxidant, prevents heart disease, promotes wound healing, needed for your dog’s body to utilize Vitamin C.


B-Complex Vitamins: As a group, B vitamins help your dog to maintain healthy nerves, skin and muscle.


Coenzyme Q-10: A powerful, newly discovered antioxidant. Essential for immune function, beneficial in heart disease and gum/dental disease for your dog.


Alpha Lipoic Acid: Antioxidant. Helps your dog to restore energy metabolism.


Selenium: Antioxidant. Works with Vitamin E to help your dog fight infection. Beneficial to dog’s skin and hair coats. Deficiencies linked to cancer and heart disease.


Zinc: Essential mineral your dog needs for protein synthesis, promotes healthy immune system, aids wound healing. Critical for hundreds of biological processes in the body.


Omega 3 & 6 Fatty Acids: Essential component of cell membranes in your dog and is needed for healthy heart, brain function and skin and hair coats.


Bioflavinoids: Enhances absorption of Vitamin C, has antioxidant effects and promotes normal blood circulation for your dog.


Glucosamine and MSM: Promotes normal healthy bones, joints and cartilage for your dog.


Digestive Enzymes: Essential for your dog to utilize and absorb nutrients from his/her diet.


Melatonin: Immune modulator, antioxidant, triggers restful sleep for your dog.


Ginseng: A metabolic tonic to promote brain health and overall wellness for your dog.


L-Glutamine: Amino acid needed for your dog to energize the cells of his digestive system so dietary nutrients can be properly absorbed and utilized.


Colostrum: The first milk your puppy receives from his mother. Provides your dog with antibodies to protect him against disease and aid immune function.


Exercise: 20 minutes twice a day minimum for your dog.


Balanced, natural diet: Feed your dog at least two meals daily. Fresh organic and natural sources are best.


Relaxation: Stress and anxiety affect pets and people adversely. Set aside an hour a day to relax and enjoy your dog. Consider massage, yoga and music.


Positive mental attitude: The mind-body connection is a potent promoter of well-being for you and your dog.


Pure water: Fresh, non-chlorinated water is essential for people and for your dog.