Posts Tagged: ‘bad’

Canadian Income Stocks!

November 7, 2011 Posted by admin

18 High-Dividend Canadian Stocks

 

 

The 2008 financial crisis uncannily echoes what happened in Japan more than a decade ago. In the 1990s, the Japanese banking systems had become overloaded with bad loans after a property bubble collapse, according to Gillian Tett, author of Fool’s Gold. The investor psychology seemed dangerously similar too.  If this is the case, investors who buy high yield stocks now could collect big dividends while the economy fights to get back on its feet.

 

The Associated Press (AP) reported on Friday that the U.S. federal budget deficit has surged to an all-time high of $1.42 trillion. The Obama administration projects deficits will total $9.1 trillion over the next decade. For weeks the US dollar’s decline sent gold to all-time highs and helped oil to over $78. Canada happens to have plenty of these commodities. 

 

The following are 18 Canadian companies listed on U.S. exchanges with market caps greater than $1 billion, reasonable P/E ratios, and dividend yields greater than 3.5% (sorted by yield):

 

 

Name

Symbol

P/E

Yield

Market Cap

PROVIDENT ENERGY TR

(PVX)

9.0

11.1%

1.66B

PENGROWTH EGY UTS

(PGH)

5.0

10.6%

2.61B

PENN WEST ENERGY TRU

(PWE)

5.1

10.1%

6.90B

ENERPLUS RES FD

(ERF)

5.8

8.4%

3.97B

HARVEST ENERGY TRUST

(HTE)

4.2

8.1%

1.14B

B C E INC

(BCE)

21.7

6.1%

18.82B

TELUS CORP

(TU)

8.6

5.8%

9.41B

PRECISION DRILL TRST

(PDS)

4.3

5.7%

1.91B

BANK OF MONTREAL

(BMO)

17.3

5.1%

27.68B

TRANSALTA CORP

(TAC)

21.9

5.1%

4.07B

BAYTEX ENERGY TR UTS

(BTE)

12.8

5.0%

2.77B

CANADIAN IMP BK COMM

(CM)

3.7

5.0%

2.98B

BROOKFIELD PTYS CP

(BPO)

6.2

4.6%

4.47B

TRANSCANADA CORP

(TRP)

15.1

4.3%

21.71B

SHAW COMM CL B NV

(SJR)

15.6

4.2%

8.24B

ROGERS COMMUN CL B

(RCI)

16.8

4.0%

16.57B

BANK OF NOVA SCOTIA

(BNS)

16.7

3.9%

45.86B

TORONTO DOMINION

(TD)

17.4

3.5%

53.70B

 

These 18 high-dividend companies are in 4 sectors: Energy, Financial, Telecom and Utilities.

 

Energy Income Trust

High demand from China and a weak US dollar make the energy sector attractive.  7 companies belong to energy income trust category:

 

Symbol

Operating Margin

Debt/Operating CF

52-wk Range

(BTE)

36%

1.0

7.84 – 26.44

(ERF)

51%

0.7

12.85 – 28.58

(HTE)

10%

3.2

3.00 – 11.55

(PDS)

28%

2.0

2.00 – 12.21

(PGH)

22%

2.5

4.51 – 11.90

(PVX)

23%

1.5

2.23 – 6.84

(PWE)

58%

2.3

6.77 – 19.01

 

 

For sophisticated traders, trading commodities directly might provide a higher reward. For income investors, commodity companies might be a better choice because they provide some buffer, in addition to regular dividends.

 

There is a small ETF called Claymore Canadian Energy Income (ENY) which includes most of these companies. Its yield is 5.45%.

 

 

Financials

The Following are comparisons between Canadian banks, U.S. major banks averages, as well as JPMorgan Chase (JPM), one of the most conservative banks in the US. Clearly Canadian banks are much more profitable.

 

Description

P/E

ROE %

Div. Yield %

Net Profit Margin %

U.S. Money Center Banks

n/a

1.1%

1.1%

1.3%

JPMorgan Chase & Co. (JPM)

52.6

2.9%

0.4%

15.5%

Toronto-Dominion Bank (TD)

17.6

9.4%

3.5%

22.2%

The Bank Of Nova Scotia (BNS)

16.8

13.2%

3.9%

28.9%

CIBC (CM)

3.8

7.0%

5.0%

18.8%

Bank of Montreal (BMO)

17.4

9.2%

5.1%

21.8%

 

 

Telecom

Competition in the telecom sector is heating up in Canada. When BCE (BCE) and Telus (TU) announced they will start carrying the iPhone next month which puts an end to the exclusivity that Rogers (RCI) has enjoyed, it sent RCI’s short ratio to a stunning high of 33. Unlike those 3, Shaw Communications (SJR) primarily focuses on cable services.

 

Utilities

TransAlta (TAC) is an electric utility company while TransCanada (TRP) operates through two segments: pipelines and energy. TAC’s short ratio of 5.8 makes me nervous.

 

 Conclusion

After boldly buying when others were selling, Warren Buffet is pulling back, buying fewer stocks while investing in debt.  He is warning that the economy, though on the mend, remains deeply troubled.

 

In addition, the Canadian dollar is a strong threat to the Canadian economy. CurrencyShares Canadian Dollar Trust (FXC) appreciated over 13% this year. Mark Carney, the governor of the Bank of Canada, has warned that the Canadian dollar appears to be moving away from the fundamentals. 

 

The iShares MSCI Canada Index (EWC) year-to-date’s return is an astonishing 46%. A great stock can be easily turned into a bad investment, if you buy it at a higher than reasonable price.  It all depends on the starting price.

 

Nonetheless, high-dividend, fundamentally-strong companies are more likely to survive in this stormy market. One of the greatest ways to protect your portfolio is through asset allocation: to make sure not a single sector accounts for more than 20% of your portfolio. Be sure to re-balance as it will automatically enroll you into the “buy low, sell high” camp.

 

Disclosure: I have long positions on BMO, BNS, CM, PWE, TD, and TRE. All data is from Yahoo Finance (http://finance.yahoo.com/) as of Oct 16, 2009. 

 

Stocks: BCE, BMO, BNS, BPO, BTE, CM, ENY, ERF, EWC, FXC, THE, JPM, PDS,

PGH, PVX, PWE, RCI, SJR, TAC, TD, TRP, TU

 

Hao Jin, CFA
Contributing Writer

Article Source:http://www.articlesbase.com/investing-articles/canadian-income-stocks-1360481.html

Mid-Week Commodity ETF Update!

November 5, 2011 Posted by admin

Commodities and stocks have been on fire the past two weeks and I think it just may be time for things to take a breather. While I continue to stay long, taking some money off the table to lock in profits is a safe play. 

 

If you look  at the charts we can tell the odds are pointing to some type of pause or pullback in the coming days. I figure any day now we could see some profit taking.

 

Gold ETF Trading – GLD

The Gold ETF is one of my favorite trading vehicles. Using simple trend lines and looking at the recent price action you can see that the price of gold is looking ready for a pullback. Buying at this level is chasing and that generally means you buy at the high and panic out at the low.

 

Silver ETF Trading – SLV

The Silver ETF looks to be in the same boat as gold. I expect to see some sideways price action or a pullback.

 

Natural Gas ETF Trading – UNG

The Natural Gas ETF sure has given everyone a wild ride in the past 6 months. The bear market is still in place which can be seen on the daily chart. So far this week the price has broken down and trading at the $11 support level. This fund could generate a buy or sell signal with my trading model in the coming days so I am waiting for a clear entry and exit point before jumping on the gas wagon.

 

Crude Oil ETF Trading – USO

The Crude Oil ETF has broken above its resistance trend line this week but still struggling to move above the August high. Volume is declining while the price rises which is a bearish indicator. USO looks ready for some type of a pullback as it digests this breakout before moving higher.

 

Mid-Week GLD, SLV, UNG, USO ETF Trading Report

What does the general public hear and think about the stock market?

From recent emails, local financial news shows, family, friends etc… all I am hearing is how strong the market is. Indexes are making new yearly highs and company earnings are better than expected this quarter. Sounds like all we need to do is buy and life will be great!

 

Well in my opinion the market is the perfect tool for misguiding and frustrating the general public. All my indicators are telling me we need more of a correction before rallying much higher. The market (smart money) generally anticipates good and bad news several weeks if not a month in advance. So the question is:

 

Are company earnings already priced into the market?

 

Is all this positive market coverage getting the general public to buy up here at this possible market top?

 

The answer is, only time will tell. No one knows for sure what the market is going to do but short term moves can be predicted with relatively high accuracy.

 

Don’t get me wrong, I am still bullish on the market but with all this good news becoming public information you have to wonder what is next. I am still long the market but trimming my positions to lock in profits and still stay in the game.

 

Chris Vermeulen
Contributing Writer

Article Source:http://www.articlesbase.com/investing-articles/midweek-commodity-etf-update-1343760.html

Health Food Scams

June 24, 2010 Posted by admin

Recent infomercials for various health food and supplement “miracles in a bottle” brings to mind the old fable of King Jack, the ruler of Anesthesia:

Content with the state of affairs throughout Anesthesia, but sensing the need to be more in touch with his constituents, King Jack appointed members of his staff to seek out the knowledge from the greatest minds in the kingdom. Upon their return they presented the king with several volumes worth of information. Delighted with the response, yet perplexed with the amount of data collected, King Jack responded with a request to condense the information into a single volume.
After an initial assessment of the condensed version, the king then petitioned to have the information expressed in a single phrase consisting of five words or less. The advisors to the king deliberated for several days and returned with their consensus on the single phrase which best represented the wisdom of the intellects throughout Anesthesia; “THERE AIN’T NO FREE LUNCH.”

It is a “free lunch mentality”, as proclaimed through various marketing channels, that offers physical and mental nirvana through indulgence in commercially available brews, nutriceuticals and medicinal concoctions without legitamite regard for the fundamental principle of pharmocology. Surely if these products have any viable active ingredients, there are certain to be potential complications associated with intoxication or contraindications. Intuitively, a red flag should go up in our heads every time we are confronted with a product that will most certainly have some known and unknown physiological effects. That which is construed as truly pure, or natural is certainly the antithesis of the movement that advocates the mass consumption of food extracts or concentrates held together with binders, suspended in questionable diluents, or encased in synthetically derived gel caps.

Public scepticism over contemporary therapeutic medicine has been a contributing factor to the evolution of a billion dollar health quakery industry. Proponents of the health food culture support what they refer to as a “natural” approach to health and vitality through the use various pills, powders, and potions. Among these products are everything from megadoses of vitamins and minerals to nostrums such as bee pollen, ginseng root, dired algae, and a range of homeopathic products.

These medicinal potions are promoted as having generalized curative or restorative powers for everything from the common cold, chronic fatigue, and sexual disfunction to cancer, heart disease, diabetes, and other assorted chronic diseases. Beyond the question of efficacy, the consumption of such products may indeed preclude the use of scientifically substantiated medical protocol. Promoted with the cooperation of newspapers, magazines, book publishers, multilevel marketing schemes and franchised retail outlets, these concoctions are unregulated and readily dispensed without provisions for gender, individual physiology, or guidance concerning contraindications or toxicity.

Product promotions are based on a distorted logic that attempts to extrapolate a correlation between an outside piece of scientific data, and a health food product. Independent third party testing of some supplements suggest an absence of a viable quality control program as witnessed through product inconsistencies, impurities, degradation, and bacterial contamination.

The Health Food Industry Free Ride

The Dietary Supplement Health and Education Act (DSHEA) of 1994 classifies herbs – and concentrates, extracts, and constituents of herbs – as “dietary supplements” and shelters such products from drug and food-additive regulations. The act transferred the burden of proof of safety from supplement manufacturers to the FDA. This act provides the loophole by which the marketers of dietary supplements can make exaggerated health claims for everything from Bermuda grass clippings to mountain lion urine, and it would be up to the FDA to prove the product unsafe.

Natural Food Better than Processed Food?

The term ‘natural’ has become a catch-word for numerous consumable products ranging from beer to cough remedies.

If you check the tobacco isle in your local grocery store, you will notice some brands of cigars and cigarettes labeled as using “All Natural Tobacco.” In general, a “natural” product is promoted as having an inherent goodness beyond that of its processed counterpart. Theoretically, food that incurs alteration as part of an established food processing protocol is diminished of its vital factors.

The proposition that natural foods are superior to their processed foods is short sighted and void of scientific objectivity. If we define “natural” as that produced solely by nature, not altered, treated, or disguised, then we must renounce years scientific developments in food processing technology that have provided an abundant and wholesome food supply.

* Microbiology as a science, has advanced the technology for the understanding of food-borne bacteria. Microbacterial diseases in unprocessed liquid food products such as milk and fruit juices, have been dramatically reduced, and in some cases eliminated through pasteurization. Due to numerous disease outbreaks, attributable to the consumption of unpasteurized fruit juices, the Food and Drug Administration has mandated the presence of the following warning statement for unpasteurized products:

WARNING: This product has not been pasteurized and, therefore, may contain harmful bacteria that can cause serious illness in children, the elderly, and persons with weakened immune systems.
Food allergy is a serious condition where the body’s immune system reacts to a certain component, usually a protein. The reactions can range from a mild discomfort to a more serious and life-threatening reaction known as anaphylaxis. The process of food oil refining removes the protein which would trigger such reaction, thereby eliminating the inherent dangers of touted natural or cold pressed oils.

Patulin is a toxic and potentially carcinogenic (cancer causing agent) mycotoxin found in apples at varying levels of concentration. In a study designed to compare organic and conventional apple juice, samples of each were purchased and analyzed to determine the concentrations of patulin. The conventional apple juice had patulin ranging from 250 micrograms per liter up to 4,000 micrograms per liter. The organic apple juice had patulin at rates up to 45,000 micrograms per liter. This study suggests that apple processing and concentration of patulin are inversely correlated.

In the final analysis, the accepted definition of what constitutes a natural food may lie somewhere between two opposing extremes of the conservative “mulch munching” devotee foraging for wild edibles, and the more liberal “ballpark frank, junk food junky.”

Toxic By Nature

The natural foods industry has grown largely because of the erroneous notion that naturally occurring substances makes them safer as drugs or medicines than their processed counterparts. A quantitative analytical scrutiny of that which nature has provided reveals the presence of numerous natural toxins:

Ricin, an extremely toxic lectin found in legumes and fatal to humans, was used as an insecticide at one time. Fortunately, heat destroys the toxicity of lectins.
Chick peas and vetch contain lathyrogens which can potentially cause a crippling paralysis of the lower limbs and may result in death.
Protease inhibitors are widely distributed throughout the plant kingdom, particularly in the Leguminosae and, to a lesser extent, in cereal grains and tubers.
Potatoes contain numerous natural poisons, including solanine, a narcotic-like substance. Solanine is known to cause neurologic and/or gastrointestinal problems. Solanine can build up to toxic levels when potatoes are exposed to sunlight during storage.
Cassava, lima beans, and the seeds of some fruits–apricots and peaches for example, are members of a group called cyanogens, precursors to the deadly poison cyanide. As a point of interest, laetrile is a cyanogen that was mistakenly represented as a cancer cure. While laetrile was effective in killing the cancer cells, it did so only at a concentration lethal to patient.
Broccoli, brussel sprouts, cabbage, cauliflower, mustard greens, radishes, and turnips all contain small amounts of goitrogens (glucosinolates), that can enlarge the thryroid gland and aggravate thyroid problems. Goitrogens are estimated to contribute approximately 4% to the worldwide incidence of goiters in humans.
The most potent natural toxins responsible for human health risks are the mycotoxins. These are toxic metabolites produced by fungi infesting foodstuffs, especially cereals and nuts. Mycotoxins are known to have caused ergotism “St. Anthony’s Fire,”
To avoid poisoning, eat all foods in moderation, choose a variety of foods, and avoid fad diets that advocate single food consumption concept.

Toxicity Through Concentration

Any substance in food may have a degree of toxicity whether naturally occurring or deliberately added. The problem with eating a food concentrate is that it maximizes the amount of a particular hazardous substance. Once again we are faced with the “more is better” mentality. Can an extract from food be more healthful than the food itself? Let us consider fruit juice. A glass of orange juice contains about one tenth as much fiber as an orange and twice the calories. The effects of the juice on the human body are as straight forward as physiology 101.

Fruit juices drive blood sugar levels too high. The rise in sugar calls out extra insulin, which in turns stimulates the appetite. This mechanism is especially bad news for diabetics and for people trying to lose weight. Juice is good food, but it isn’t medicine, and certainly is not better than the whole fruit. Ounce for ounce, orange juice has about as much vitamin C as an orange. The fruit itself contains more of some nutrients, and especially more fiber and photochemical.

The Omega-3 Craze

Derived from eating fish, omega-3s may reduce blood clotting, reduce triglycerides, and make the heart less susceptible rhythm abnormalities. In addition, research has demonstrated that fish oil may help relieve inflammatory symptoms of auto-immune diseases such as rheumatoid arthritis or psoriasis.

Fish oil capsules however, come with potential adverse effects, including an excessive reduction in the ability of blood to clot, increasing the risk of hemorrhagic stroke. The capsule form may also raise cholesterol levels in some individuals. Further more, as pesticide resides concentrate in animal’s fat, fish oil capsules serve as a potential source of concentrated pesticides.

Vitamin Toxicity

Vitamins are categorized as fat-soluble and water soluble. The fat soluble vitamins—A, D, E, and K—generally occur together in the fats and oils of foods. These vitamins are stored in the liver and fatty tissues until the body needs them. It is the capacity to be stored that allows for a potential toxic buildup of fat-soluble vitamins. 25,000 IU daily of vitamin A may cause liver damage or lead to anemia and gout – a form arthritis. The best way to ensure a safe vitamin A intake is to steer clear of supplements and instead to eat foods to obtain it.
Vitamin D is the most potentially toxic of all vitamins. People who take supplements containing vitamin D may easily overdose, not aware that their tissues are building up stockpiles of the vitamin. Overdose of D leads t loss of appetite, nausea, vomiting, diarrhea and serious disorders involving the calcium content of the blood and the distribution of the calcium ion throughout the body.

Cases of vitamin E toxicity are rare, and high doses taken over a short period seem to have no adverse effects. People that take anticoagulant medication risk uncontrollable bleeding when they take large doses of vitamin E.

Vitamin K toxicity can result when supplements of a synthetic version of vitamin K are given, especially to infants or pregnant women. Toxicity induces breakage of the red blood cells and release of their pigment which colors the skin yellow. Vitamin K toxicity also causes brain damage. Because the vitamin K contained in supplements can easily reach toxic levels, it is available as a single vitamin only by prescription.

The water-soluble vitamins–B vitamins and vitamin C– are easily absorbed by the body and just as easily excreted in the urine. Foods never deliver toxic doses of the water-soluble vitamins, but the large doses concentrated in some vitamin supplements can reach toxic levels. Women who exceeded 2 grams of vitamin B6 daily (a touted cure for the symptoms of PMS), were reported to have experienced numb feet, accompanied by lost sensation in their hands, and an inability to work.

Since the first report of vitamin B6 toxicity, researchers have seen toxicity symptoms in more than 100 women who took vitamin B6 for more than five years. The potential toxicity of vitamin B6 is yet another reason why people should not self diagnose and self-prescribe vitamins for their own illnesses.

Among his contributions to science, Linus Pauling, is credited for research on the beneficial effects of vitamin C. Since Dr. Pauling first published his book claiming that large doses of vitamin C will prevent or cure colds, many studies have been conducted that have refuted this claim. Currently there is no objective scientific study that supports the notion that a cold can be prevented or cured by taking this vitamin. Large doses taken during a cold however may ease some of the symptoms because vitamin C serves as a mild antihistamine.

Toxic levels of vitamin C can produce diarrhea, cause nutritional imbalances, deprive tissues of oxygen, interfere with the action of vitamin E, and may produce kidney stones. Vitamin C supplementation at any dosage is dangerous for people with an overload of iron in the blood. Vitamin C increases iron absorption from the intestine and releases iron from storage.

Medicinal Herbs

At least 25% of the medicines prescribed by physicians in this country today are based on active ingredients in plants. It is the recognition of the life giving properties of botanicals that has had such a strong influence on the environmental initiative for rain forest preservation. To reiterate an earlier statement, a herbal or botanical product that contains useful constituents is likely to have some harmful ones as well. A few of the more noteworthy for their toxicity are as follows:

Belladonna
Any part of the deadly nightshade plant; a fatal poison.
Chaparral
This herbal product is made from ground leaves of the creosol bush. It has been found to cause acute toxic hepatitis.

Comfrey
Contains cancer-causing chemicals

Echinacea
Has not been proven effective in preventing disease and is not recommended for long-term use, since the practice may actually depress the immune system.

Ginkgo biloba
An extract of a tree of the same name, claimed to enhance mental alertness, but not proved to be effective or safe.

Ginseng
A plant containing chemicals that have stimulant drug effects. Ginseng abuse syndrome is a group of symptoms associated with the overuse of ginseng, including high blood pressure, insomnia, nervousness, confusion, and depression.

Hemlock
Any part of the hemlock plant, which causes severe pain, convulsions, and death within 15 minutes.

Horse chestnut leaf
Has been associated once with hepatitis.

Kombucha
Proclaimed as a treatment for everything from AIDS to cancer but lacking scientific evidence and FDA approval. Also known as Manchurian tea, mushroom tea, or Kargasok tea.

Sassafras
Root bark from the sassafras tree, once used in beverages but now banned as an ingredient in foods or beverages because it contains cancer-causing chemicals.

Sweet clover
Source of coumarin.

Blue-Green Algae
Spirulina, a blue-green algae is said to be a rich source of protein and vitamins, effective at treating such conditions as obesity, alcoholism, herpes, diabetes, arthritis and cancer. While the plant does contain 65 to 70% protein, white fish is a less expensive alternative at 97% protein. Chicken and beef come in at 75 to 80% protein.

Numerous investigations into the nutrient value of spirulina show that the high vitamin B12 content is attributed to contamination with insect or animal fecal matter. These results are not unexpected as spirulina is extracted from open lakes and ponds with little washing prior to being dried. In addition, some strains of spirulina have toxins that can cause nausea, diarrhea and throat infections.

Cancer Fraud

Unsound products for prevention and cure of cancer comprise a large segment of today’s medical fraud. When people hear of exciting research reports that hint at cancer prevention, they want to apply the findings right away. One very popular supplement marketing ploy involves the claim that the medical establishment has suppressed information on their particular medicinal concoction. The strong desire for control over cancer makes consumers vulnerable to those who would victimize them for profit. Just a few of the more blatantly fraudulently promoted products include beta-carotene, phytochemcials, kombucha, laetrile and vitamin megadose.

* Beta-carotene. While research has established a correlation between between diets rich in beta-carotene and a reduced cancer risk, an exact mechanism by which beta-carotene might prevent cancer has not been established. Though there is no conclusive evidence that beta-carotene has any effect on cancer, the supplements are still being sold as anticancer agents.

* Phytochemicals. As a relatively new isolate, phytochemical interactions with body systems are not fully understood. Some appear to act as weak carcinogens. Others mimic steroid hormones.

* Kombucha. Promoted as a cancer preventer, arthritis reliever, and baldness cure, this tea is derived from yeast and bacteria. A report in a recent medical journal told of two women who drank an extra strong brew and had to be rushed to the emergency room with a life threatening acid condition of the blood. One woman died, the other woman was resuscitated following cardiac arrest. The Center for Disease Control has asked physicians to be on the lookout for serious side effects in their patients who make and drink kombucha.

* Laetile. Laetrile is registered with the U.S. Patent Office for the treatment of “disorders of intestinal fermentation.” This compound is chemically related to amygdalin, a substance found naturally in the pits of apricots and various other fruits. Since fruit seeds are natural sources of cyanogens, good number of patients treated with laetrile developed signs of cyanide toxicity. The Laetrile following started with a pharmacist-physician who developed one concoction after another for the treatment of serious diseases, especially cancer. It continued with his son, a self-imagined scientist, who spent many years in college but failed to earn any graduate degree. A man who earned his fortune from gun-running and a catholic newspaper columnist promoted it as a persecuted drug that cured cancer. After it was dubbed “vitamin B-17,” an army of health food devotees promoted Laetril, along with vitamins and diet, as nature’s answer to cancer.

* Vitamins. There is not a single responsible study demonstrating that large doses of any vitamin or mineral have ever prevented cancer in a human. The American Cancer Society recommends that the diet include in its variety some foods rich in Vitamins A and C, but it specifically does not advocate supplements, let alone megadoses.

As long as there remain crippling and fatal diseases, there will undoubtedly be individuals eager to offer “alternatives” to scientific treatment and large numbers of desperate individuals willing to purchase them.

How To Tell The Facts From The Myths

You know your being scammed when you see…

1) Anecdotes and testimonials to support claims. Assuming the testimonial has any authenticity, how can anyone tell if a cure or remission is specifically due to cause and effect, or if it is due the placebo effect, coincidence, or spontaneous improvement.

2) Illegitimate credentials and degrees, or credentials outside their professed area of expertise. The late Carlton Fredericsk had a Ph.D. and was referred to as Dr. Fredericks in his radio nutrition shows. His Ph.D. however was not in a health science but in the field of radio communications.

3) Natural vitamins are preferable to synthetic ones. The human body does not distinguish between the so-called natural vitamins and the their synthetic counterpart. In either case the chemical composition is the same. To reiterate an opening statement, and without going into laborious data, the synthetic vitamin is more likely to be manufactured under stricter quality control, and hence offers a more consistent product.

4)The persecution complex. A great many supplement and/or methodology promotion will incorporate a statement about a greedy, closed medical establishment that shuns his or her products from fear of competition.

5) The false contention that most diseases and symptoms are due to a faulty diet and can be treated with proper nutrition. No amount of any kind of nutritional supplementation can change a genetic predisposition to develop disease. No amount of supplementation can reverse the role of excessive intense, intermittent sun exposure resulting in melanoma. Aside from deficiency diseases such as ricketts, beri beri, or scurvy, there is little legitimate evidence that most diseases and symptoms have any significant relation to diet.

6) Food processing or storage is claimed to destroy foods’ nutritional quality. It is erroneous to make such an all encompassing statement concerning processed foods. Milk is processed to the extent that it is pasteurized. Foods processed with vitamins C and E preserve food quality by preventing oxidation.

7) Fructose is preferable to other forms of sugar. The delusion that fructose is an acceptable form of sugar is quite prevalent in many nutritional circles. Nearly all simple sugars are metabolized quickly and disrupt insulin levels which contributes to most chronic illness. Do not be mislead. Avoid fructose just like you would table sugar as they both cause similar problems. Do not be fooled by products that claim to contain “all natural” sweeteners. Added ingredients like brown sugar, raw sugar, fruit sugar, honey or maple syrup are treated no differently from table sugar once they enter the bloodstream.

8) Practitioners who use computerized questionnaires to diagnose nutritional deficiencies. Nutritional deficiencies are diagnosed by appropriate medical tests and examination, not by computers. Any computer used for this purpose is likely to be programmed to recommend supplements for virtually everyone.

9) Outrageous claims are couched in pseuscientific terms or jargon. Some examples from actual magazine ads:

- Subjects who used _________experienced an extraordinary 3860% greater total fat loss than subject who used a placebo.

- ______ is better than any ephedrine based fat burner with its precise combination of pharmaceutical pure 1R,2S Norephedrine HCI, Yohimbine HCI, and Caffeine. The incredibly potent 1F, 2S Norephedrine HCI has been shown in vertebrate studies to be the most thermogenic ephedrine type alkaloid. In one study, only amphetamine itself was more potent!

- A new breakthrough scientific discovery has uncovered the unique substrate activity that controls the key “genetic-marker” shown to regulate muscle growth and fat loss. Now think of the possibilities in new muscle growth. Imagine being able to supply your body with the very substrates that trigger muscle growth, fat loss, and even immune system enhancement. Pseudoscience provides easy answers, dodges skeptical scrutiny making us victims of credulity. Practitioners of pseudoscience purport to use scientific methodology, while in fact they are faithless to its nature.

Tze Khit is one of the directors and also a personal trainer from Personal Trainers Singapore (http://www.pt.com.sg), the LARGEST & most POPULAR personal training company in Singapore.

Tips on Caribbean Shopping (watch Out, Pirates!)

June 21, 2010 Posted by admin

Veteran cruisers to the Mexican Riveria will tell you that there is more to recommend Cozumel than just electric blue waters, killer Margaritas, and great snorkeling. It may just be one of the all-time best shopping destinations in the Caribbean. So how can you steer clear of the pirates of the Caribbean (most of whom no longer wear eye patches but instead operate shops catering to tourists) and get a good deal?

Some of the best shopping in Cozumel is within easy walking distance of the port. The cruise ship docks and shoppers can pretty much walk to great shopping in a few minutes. But there are lots of shops and even sidewalk displays. How do you know what’s what?

There are really two main categories of merchandise in Cozumel. The first might be considered in the souvenir category and spans trinkets to very nice quality merchandise with a distinctive Mexican feel. The second category would be luxury products.

If your shopping list includes colorful but inexpensive jewelry, a bottle of tequila, a leather wallet, and some Mexican pottery, there are quite a few shops that will meet your needs. One of the best and easiest to navigate is Cinco Soles (Five Suns) near the port. Here you can find everything from toys to dishes to T-shirts to leather goods along with the ubiquitous tequila and bottles of vanilla (Mexican vanilla is generally of very high quality and reasonably priced). The store personnel speak English and accept credit cards.

A fun shop in Cozumel that is not really Mexican is Del Sol which sells plain-looking T-shirts, tote bags, Frisbees, even nail polish, that change color when exposed to sunlight. Del Sol stores are located at many locations (not just Cozumel) but they’re still fun and the bright sunlight of Mexico shows off the Del Sol treasures to great effect. There’s one near the cruise port.

You may also see small sidewalk displays and other offers for everything from marionettes to dangling earrings. Wending your way through the shopping district of Cozumel can be tough, since merchants will speak to you and attempt to lure you into their shops. You can simply walk on by; merchants will not actually grab you and push you into their stores. If you make eye contact, you will be at a massive disadvantage; the more you respond to them, the more likely they will be to kick up their persuasion a notch to get you into the shop. On the other hand, if you’re out shopping, it can be fun to talk to local merchants and allow them to show off their best wares for you.

There are lots of big and small displays of such goods and if you do not spend very much, it is unlikely you can go too far wrong.

The other end of the Cozumel shopping spectrum involves luxury stores. Believe it or not, there are several outlets of Diamonds International and other high-end jewelry stores in Cozumel. You’ll see them all over as you walk along the waterfront (likely in view of your cruise ship, that’s how close they are).

Specialties at these stores include high-end watches, gold, silver, diamonds, emeralds, tanzanite, Mexican fire opal, and two rare gemstones ammolite and alexandrite. (If you do not know these stones, it can be worth a visit to one of these stores to see them.)

Don’t expect these stores to offer diamond rings for a pittance. But there are reasons why savvy jewelry buyers make the trek to Cozumel to do some special shopping.

First, there is no sales tax in Cozumel. If you stay within your allowance for the amount of merchandise you can bring home without paying duty (which is $800 for a U.S. citizen), you pay only for the merchandise. In the U.S., sales tax is around 8% and it is even higher in Canada and Europe.

Second, many of these top stores have an international presence. You can get customer service once you’re back home.

Third, many cruise lines have developed relationships with some of these stores. This sometimes engenders suspicion, but the relationships are actually beneficial to cruise passengers eager to buy high-end merchandise.

If your cruise ship has a shopping expert or if there is a talk on shopping, by all means participate if you think you’ll be buying products (particularly jewelry) in Cozumel. It is true that the shopping guru onboard will steer you toward certain shops and it is likely that those shops have paid a promotional consideration to the cruise line for that publicity.

But here is why that’s good for passengers. Most cruise lines will not endorse just any store that can pay a fee. Cruises return to the same port over and over again in a season and it would not be good business to recommend shops that were difficult to deal with, charged exorbitant prices, or otherwise were bad news for the customers.

Second, some cruise lines (such as Carnival) will allow you to register your purchases at selected stores while onboard. If you take advantage of this service, the cruise line guarantees the merchandise. That means if your new watch stops once you get home or you find out your gold and tanzanite ring is not authentic, the cruise line backs the merchandise.

Finding out if your cruise line does this and what shops it recommends is a great activity for you to do on your day(s) at sea before hitting Cozumel. Registering purchases with the cruise line should be done on the next sea day because you must register what you buy while still onboard the ship.

Luxury items abound in Cozumel: jewelry, perfume, watches, and even rugs. Rugs from exotic places like Turkey, India, Pakistan and Persia can be purcased in Cozumel (great selection, no sales tax, outstanding service) and shipped to your address back home. The Rug Emporium offers an extensive display, lots of English-speaking help, and free shipping Stateside.

Last but not least, lots of people buy liquor in Cozumel. Tequila and Kahlua are the most popular but by no means the only alcoholic purchases you can make. Liquor can be purchased in Cozumel at the shops or can be bought onboard ship for around the same price (but possibly not with the same selection).

The same is true for perfume. The onboard shops likely offer some fragrance and cosmetic products, but the big perfume shop on Cozumel’s main street by the harbor has a much more extensive collection. If what you like is onboard, you can probably get about the same good deal as you can by buying it in the land shop. However, if you want to see a broader range of products or you want to buy a product that the onboard boutique does not stock, you need to try the land store.

Cigar aficionados will find that Cuban cigars are not only legal in Cozumel (and onboard once the ship is in international waters) but plentiful. If this is a big deal for you, enjoy them in Mexico and on the boat, but don’t bring them back into the U.S.

So what about those famous pirates of the Caribbean? Like any buzzing shopping mecca, Cozumel has its share of merchants who sell shoddy merchandise, counterfeit products, or things they claim to be silver and gold (which are not). If you are not expert enough to know the difference, steer clear of shady looking vendors or shops far off the beaten track. The old adage “if it looks too good to be true, it probably is” holds true for ridiculously priced diamonds or gemstones.

Most cruise lines will warn you to avoid spending big money with dubious vendors. If you want to buy a T-shirt, a kid’s necklace, or some typical souvenir items, go ahead and shop the small stores or street vendors. If you are thinking of spending hundreds or thousands on jewelry, go to a reputable and recommended store. They’re there in Cozumel!

Zip on over to http://www.TheCruise-Shopper.com for the latest in cruise ship information. TheCruise-Shopper does not sell travel so you won’t be under any pressure to buy anything (not like going to Cozumel). Mandy Karlik wrote this article. Her last Cozumel purchases: a leather wallet, Chanel Chance perfume, and a very wonderful new watch. Imagine what she could do if she had more than a couple of hours!

Cheap Cigars Vs High Priced Cigars

June 18, 2010 Posted by admin

Cigars are funny and enjoyable to smoke but bit expensive compared to cigarettes. You can find cheap and high priced cigars in consumer market. To get high quality and good flavored cigars, shopping online is the best way. Here, the issue that you may face comparison between cheap cigars and high priced cigars. If you are going for so cheap cigars, it may be less enjoyable to smoke not containing your favorite and tasty flavors. But, doing a good study on online cigar varieties will get you quality cigars in affordable rates that fits to your pocket. You will find lots of cigar selling website using e commerce way in internet. Online cigar arrays are easy to pick from because of exclusive comparison on quality, flavors, length and rates. If you are planning to buy online, you can search for Cheap Cigars using your favorite search engines that will lead you to hundreds of discounted cigar websites.

Yahoo shopping and bnbtobacco.com are good options. Where in bnbtobacco.com is specially designed for variety of cigars in different rates. You can pick your favorite flavor in cheap rates there. If you love to smoke cigars more often or planning to gift your friends, you may buy them in wholesale price. You will get cigars in cheap prices that you can increase your saving buying bulk if you are paying money for wholesale. You may try a sampler box of cigar. Here, you will be able to taste cigars in all ranges; various rates, quality and flavors.

 Many high end brands offer sampler boxes online that manufacturers are ready to deliver them at your home once you paid money. For beginners with cigars, this method is more recommended. You may compare Cheap Cigars vs. high price cigars using their websites. Make sure that you are buying from reputable websites to get imperative smoking experience. You can also import cheap cigars from foreign countries. Here, make out that which country can offer you good quality cigars in good price.

Cigar lovers prefer to shop cigars from Latin American countries where smoking is much popular and volume of production is very high compared to United States. Buying cigars directly from manufacturers is not too bad option. You will be able to buy good cigars in cheap prices if you can understand their discounted sale strategies. Many branded cigar companies offer this direct sale option through their websites.

You will get all information on desired flavored cigars reading their product description pages. Purchasing high quality cigars in hefty prices is not a worst idea. If you are willing to spend more amounts while shopping, you will be getting a chance to taste world’s best cigars that give you maximum smoking enjoyment.

For more information about Cheap Cigars,visit our site at http://www.bnbtobacco.com/cigars.aspx

10 Tips for the Cigar Novice

June 9, 2010 Posted by admin

Starting up a new hobby can be intimidating. Going golfing for the first time with a bunch of guys who have been doing it for years can make a beginner feel self-conscious about his lack of prowess on the links. People just learning to play guitar will go for years refusing to play in front of others. Even someone learning to cook might be embarrassed to share a less than savory meal with his family.

Some people might not consider smoking cigars a hobby, but it certainly is a pastime and it has its own intricacies just like anything else. There are traditions and faux pas when it comes to smoking cigars that any old puffer at the country club will notice and call you out on in a heartbeat.

Good-natured as the ribbing may be, it can’t hurt to brush up on some cigar “do’s and don’ts” before you have a cigar among the aficionados. Included are some suggestions for classy cigars and accessories that will show off your sense of refinement and good taste.

1. It is not a race. Smoking a cigar should be a leisure activity. The best way to start is to smoke as if it is no big deal. Take your time and enjoy it.

The Ashton Magnum is a smooth and creamy cigar that is perfect for new smokers. The aroma and flavor is remarkably consistent so you won’t ever get a bad draw. Ashton Magnums are made from Dominican leaves and shade-grown Connecticut wrappers. It is truly a cigar to be savored.

2. Trim the end of your cigar with a cigar cutter. Don’t try to bite it off with your teeth. This may look cool in the movies but it will just leave you with an unsightly and decidedly uncouth mouthful of tobacco.

The Double Blade Stainless Round Cigar Cutter from Orleans is an inexpensive yet fully functional cigar cutter. In other words, it is perfect for beginners. It works with a dual-blade guillotine action, which ensures a shred-free cut. It is housed in a durable stainless steel case for a long lifespan.

3. Don’t grind out a cigar in an ashtray. Let it go out on its own. This is a handy technique for being able to re-light a cigar later on. It is also polite to not leave the smudged out remains of tobacco scattered around in an ashtray.

In your own home, it is also nice to have a relatively clean ashtray. The Flor De Gonzalez Ashtray is made of simple black porcelain with the company’s logo in the center. It is square with resting places for your cigar in all four corners.

4. If there is less than a quarter left, let it go out in an ashtray. When a cigar starts to get that short, it will begin to lose its flavor. Nothing gold can stay. When it gets to the ¼ mark, it is time to let it go.

Another practical and stylish ashtray is the Hexagon Crystal Cigar Ashtray from Orleans. It looks incredibly luxurious for its modest price. It has wide stirrups (that’s where the cigar rests) to accommodate bigger cigars and a deep bowl for plenty of ash.

5. Don’t show off. Nothing screams amateur more than someone who makes a big deal out of smoking a cigar. Cigar holders and fancy smoking techniques are the antithesis of the cool guy casually smoking a cigar. You are allowed to blow smoke rings though. That’s a cool trick that’s not overtly flashy.

The best way to look natural smoking a cigar is to find one that you enjoy. In the beginning, it is best to start with a milder cigar and work your way up to fuller flavors. The Montecristo #1 is a legendary Cuban-inspired cigar that is made in the Dominican Republic.

6. Don’t chew on it. You are not Peter Parker’s grizzled boss at the newspaper. You are not a grunt in World War II. Unless you are being shot at or trying to ruin Spider-Man’s good name, chewing on a cigar is just plain gross.

Fine cigars can be works of art and the Griffin’s Robusto Natural is not something that you chomp away at. It has a rich and mild taste that smokers of every level can enjoy.

7. Don’t ask for a light. Seriously, you are a cigar smoker now. You should be carrying your own lighter around. In the worst case scenario, ask the bartender for a pack of matches.

The refillable Xikar EX Windproof Flame Cigar Lighter is far more practical than it sounds. It looks good and is affordable without appearing cheap or flashy. It is a functional, fantastic lighter that gets your cigar lit. What else could you want?

8. Don’t be afraid to let it go out and re-light it later. If you have spent some money on a nice cigar, there is no need to smoke it all at once and no need to waste it. Just scrape the ash off and rotate it over a flame for a moment to catch it again.

The Davidoff Millienium Churchill is a full-bodied, hearty, Dominican cigar that you won’t want to let go to waste. These cigars are top-notch and have a complex blend of aromas and flavors. Don’t be afraid to let it go out and enjoy the rest later.

9. Take your time warming up the end before you light it. This prevents you from charring the tobacco.

The Vector Vulcan Triple Flame shoots out a powerful trident flame that will allow you to perfectly light your cigar without over-toasting it.

10.  Don’t smoke one after another. You are not chain smoking cigarettes here. Cigars are meant to be savored. Take your time and enjoy it. When it’s done, it’s done. Get on with your life for a while before having another.

If you find yourself enjoying your new pastime of smoking cigars, you are going to want to eventually invest in a humidor to keep them fresh. The Capri Humidor is a lovely, affordable way to keep your cigars tasting fresh for a long time.

Smoking cigars isn’t like smoking cigarettes. It is a hobby, not a habit. It is the difference between enjoying a fine glass of wine and slamming whiskey before noon. Take to heart these tips and smoke in moderation and you will be on your way in no time.

William Patterson is a freelance writer who writes about luxury items such Cigars

The Best Way to Enjoy a Fine Cigar is to Give One

May 19, 2010 Posted by admin

A fine cigar is one of life’s luxuries. Just open a fine mahogany humidor, select a fragrant private-stock cigar, and light up. The experience is one that is memorable and enduring. The reason for this is because our sense of smell is the sense that is closest related to memory in the human brain, and the aroma of a fine cigar will be just that.

In a time when we must reflect on what we can do with what we have and what we have to offer, it is a luxury that can be truly appreciated and enjoyed. There’s a reason behind the saying, “A fine cigar gets you through every major life event.”

Selecting cigars to give as gifts for the holiday season is also a way to show that you have every expectation that the future will be bright. There are many ways to buy cigars to give as holiday gifts:

1.Purchase from online companies that enjoy great reputations and will deliver at a discounted rate. Make sure you will be given notice as to the conditions of delivery, so that the cigars arrive fresh and are not dried out or damp.

2.Go to a local tobacconist. Enter their walk-in humidors and purchase some fine cigars that way. Reputable dealers will be happy to supply you with information regarding the type, size and style or cigar for your budget.

3.Going to a newspaper stand or a drugstore to purchase cigars is not a bad idea. There are some very reputable brands that are carried by such sellers; however, you must make sure that your purchase is fresh and offers a good quality cigar. These will not be the locations to find premium or super-premium cigars.

The persons who will appreciate such a gift are:

1.Professionals who have done a great job like your broker and your lawyer.

2.The postman, gardener, janitor or mailman in your building. You must make sure they smoke cigars, and if they do, they will treasure and appreciate the gift. Cigars will go much further than cookies or fruitcake in this regard.

3.The people in your life who matter and who might enjoy support. Enclose a note that says “Times are tough, but you’re tougher.”

4.Musician and artist friends who appreciate the challenges of unstable economic times. These types of people are often without funds to purchase fine cigars and will be appreciative of the luxury of a fine cigar.

Whatever the reason for giving cigars as a gift, your budget can include either one cigar or a box of 10 or 20 or more. The gift is consumable and biodegradable because cigar tobacco is the finest and most chemically pure of all tobaccos.

There is nothing like knowing that you are giving the best, and a fine cigar is an outstanding way to keep friends, clients or sponsors well appointed toward you and all your endeavors.

For access to the best Fine Cigars and Cigar accessories available check out the great deals available only on the authors website – http://www.davidoffmadison.com

Don’t Waste Money On Bad 2009 Video Games

January 24, 2010 Posted by admin

Every leisure activity has had its day. Baseball, for instance, was once a huge way in which American families would spend their time. They would go to baseball games or gather to watch them together on television. A lot has change since those days. Today is now definitely the day of the video game. Video gaming has become a huge industry. People of all walks of life in all age ranges are playing video games. It doesn’t matter what your age, race, status in life, or geographical location is; you know people who are playing video games even if you’re not playing them yourself. Hundreds of thousands of dollars are spent every year on video games, video game systems, video game cheat books and accessories. Online multiple player gaming has taken off as well. People are gaming with each other across country online either just to play or in competitions whether for fun or for cash. People are even using their lunch hour at work to play online video games. Many people have found playing video games to be a good way to unwind and relieve stress. Families now play video game consoles on family game nights as opposed to the more traditional board games. No matter how or why people play video games, they are playing them and spending money on them. They are spending a lot of money on video games!

The only problem is that today people don’t have any money to waste. Of course we would loose our minds with no outlet at all from the stresses that life tends to bring; but we cannot afford to be financially wasteful. We constantly search for the best deals or ways to save money. As we are searching for ways to save on our spending, and even on our occasional splurging, we look for advice as to what we should avoid spending money on. Just as we want to know about the great deals that other people find, we also want to know what other people have found to be a waste of money all together. We use online search engines such as Google, Yahoo, and Ask to find out valuable information on discounts and what not to buy at all.

If playing video games is your thing and you spend a great deal of money on video games, no doubt you are looking for ways to save in this area as well. There are many articles that will tell you of which video games you should avoid and not waste your money on. For a decent guide to such information, you should read “2009 Video Games To Avoid Buyer Beware”. This is an article offering a top ten list, or bottom ten list, of video games released in 2009 that you should save your money on if you haven’t already bought them.

Article Source:http://www.articlesbase.com/hobbies-articles/dont-waste-money-on-bad-2009-video-games-1771860.html