Posts Tagged: ‘personal’

Personal Finance News

November 13, 2011 Posted by admin

In a time such as today’s when the world economies are still struggling to recover from the biggest economic recession in recent times, when stocks plummet without even a notice, no warning whatsoever, what to do? The hard times are here and when there seems no way out, just smarten up and take the road that’s tried and tested before, the road to personal financial investing. It is time to grow your money by leaps and bounds with trading currencies. Not that challenges will be lesser on this road, the major challenge will be the absence of an established business track record but not let that stop you. Utilize your past business financial information to start up with some capital loan. No bank or lending institution would lend you money if you lack personal financial information. While you begin with personal finance investing as a new venture, you would definitely not have cash flows or dividends information, or any financial statements enough to support you secure a loan.

And if you do not have any past personal finance news and information then do not panic as where there is a problem there are ample solutions too. In today’s digital age where everything is centralized around the vast Internet web, small business owners or beginners can enjoy endless advantages through the technology solution tools. You can trade online without even bothering to arrange loans for beginning with personal financial investing. Through the internet you can fill your kitty with all the necessary knowledge about the financial calculators and conduct your way through to the automated trading bot, impressive software that is exclusively designed to trade on your behalf leaving you to attend to various other things needed. And yes, you do not miss a single trading opportunity through the trading bot; but be careful not to make it a habit of relying on automated software for your activities as at the end it’s you who is responsible for any rise or fall in the business. So be determined and cautious, and the ‘win’ is yours.

Sourav Sharma is freelance market analyst and is writing reviews articles on personal finance news, personal finance investing, financial calculators and BSE Stock Prices.

Article Source:http://www.articlesbase.com/investing-articles/personal-finance-news-1390213.html

Finding an Investment Loan

November 6, 2011 Posted by admin

When it comes to finding an investment loan, whether you want to purchase property or help fund a new product or an upcoming business it is always important to do your homework. Even in today’s economy there are many options available to an individual who would like to secure an investment loan, this is where taking the extra time to research your options has the potential of saving you thousands over the course of the loan. It is important to understand that there is a major difference between an investment loan and a mortgage or business loan, and these differences need to be understood even before you approach your financial institution.

All loans are not created equal and understanding the purpose of each option can have very positive effects on your bottom line. When it comes to investing in property either for resale or for potential rental income it is important to know that the loan you will need is an investment loan, not a mortgage. While both loans seem the same on the surface, in actuality they are very different. There are many tax incentives and programs that are available to those who have a mortgage on a property that are not available for those who have an investment loan, and vice versa.

When attempting to secure a loan for either a business or a new product there are different types of loans that are available depending on the amount of interest you will have in the business. If you want to start your own business then you will need to secure a business loan, however if you only want to become an investor or have a small interest in an existing business then you will need an investment loan. The same is true if you are in a position to help bring a valuable new product onto the commercial or private market. Depending on how much interest you have in the venture will depend on what type of loan you will need to secure, however in this situation the most common is an investment loan.

While all of this may sound confusing there are many ways to determine the exact type of loan you will need in any given situation. The first step is to always do your homework both on the type of loan you will need to secure and you personal finances. Understanding every possible avenue when it comes to funding can greatly increase the chances of getting the best deal possible. It also has the potential of saving thousands of dollars over the course of the loan.

There are a few key facts that have not changed when it comes to securing an investment loan, and they start with knowing exactly how much interest you will have in a property, business, or new product. An investment loan should only be considered if you want to “buy-into” a company, purchase an investment property, or help fund a new product that on the market. This is a simplified explanation of the best times to obtain a investment loan, however you should always speak to your financial institution to customize the right funding options for your situation.

Austral Mortgage makes choosing the right Investment loan for you easy. Your Choice of Investment loan will impact on your Investment Return. We have a wide range of loans to suit your mortgage needs. We also provide advanced mortgage calculators to help make your financial decisions easy.

Article Source:http://www.articlesbase.com/investing-articles/finding-an-investment-loan-1351795.html

Cigars 101 – It’s Personal

December 6, 2010 Posted by

I have always been of the opinion that you shouldn’t trust anyone who doesn’t have at least one known vice, be it swearing, drinking, smoking, or whatever.  If they appear to be overly virtuous, then they are probably hiding something much more malicious. I retrieve one fellow from Toledo who traveled to enthusiastic lengths to project a Lilly-white image.  He regularly went to church, could cite chapter and verse from the Bible, and reprobated anyone for any form of indiscretion.  You would have believed much a person would be creditworthy, artless and direct.  Frankly, I happened him to be one of the most unmerciful and unscrupulous businessmen I ever had the displeasure to meet, not to advert a distant tired.  I have disputed this rule about vice over the years and found it to keep truthful time and again

As for me, my passion has always been cigars, something I learned to smoke when I was thirteen years old behind my friend’s house in Chicago (a White Owl Classic if memory serves me correctly).  I am not advocating smoking or trying to encourage others to imbibe, just to describe someone’s choice in life.  I do not advance or advocate fuming cigars, but I have happened it to be a little ad hominem pleasure.  I opine I am at the stage where I am no longer impressed by mansions, fast sports cars, boats, or any other “boys toys” to happen happiness.  To me it’s the little things that makes life pleasurable, much as a close-grained woman, acceptable company and conversation, perhaps a drink, and a really acceptable cigar

I never acquired a taste for cigarettes or chewing tobacco and found them to be simply a waste of time (and money), but that’s me.  Occasionally I’ll pluck up a pipe, but frankly, I get more enjoyment out of a cigar.  In addition to recreation, I bask fuming a cigar while I’m composing as it allows me to pause and centre on the subject at hand.  It also helps me go through the time when executing the tedium of mowing my lawn

Cigars come in a wide variety of sizes, shapes, colors and tastes and one of the biggest misconceptions I would like to clear up is there is no such thing as a bad one, unless of course it has dried out, been soiled, or somehow been damaged.  Actually, it’s a matter of matching the right person to the right cigar.  There are some cigars I simply wouldn’t touch with a ten foot pole, such as a green-leafed biological, something overcharged in liquor, or writhed to appear like a rope.  I have basked tobacco from Cuba, the Honduras, the Dominican Republic, Mexico, the Philippines, and many other locations.  My tastes have germinated over the years whereby I choose an ample cigar with a benevolent ring size and wrapped up in a gloomy Maduro leaf.  But again, that’s me.  Cigars are an ad hominem thing.  What one smoker may bask, another may contemn.  That’s why it is a matter of seeking antithetic cigars until you happen what you like.  Novice cigar aficionados should look for the expertise of a mentor to render the appropriate tutelage.  The worst thing you can do is seek to smoke a type of cigar to impress someone else, not yourself.  Further, a cigar should not be haled on you as it is an awake decision you must personally make

I cannot possibly teach you everything you need to know about selecting a cigar herein, there are simply too many variables involved, everything from its origin and manufacturer, to the wrapper, the filler, or even how it should be cut and lit.  Outsiders may be stormed to larn the best cigar wrappers do not come from the Caribbean, but rather Connectireduce, proper here in the acceptable older U.S.A.  There is evidently something in the Connecticut soil causative for maturing the right leaves for wrapping a cigar.  As Stengel would have stated, “Who da thunk it.”

I was always desirous of Winston Churchill, the known Prime Minister of England, who was an iconic figure for the cigar.  I have scan books on Churchill and had the pleasure of travelling to his Chartwell home in England.  Interestingly, when Churchill was cognisant there was always at least 10,000 cigars in his home.  It seems he had truckloads of them from individual heads of state, appreciative constituents, and individual manufacturers who trusted he would indorse their product.  Imagine what a larning experience it would have been to sample the various cigars under his roof

Yes, I have had my antimonopoly share of detractors over the years reprobate me for my passion, and I make an effort not to permit it intervene with others, but the razzing by the anti-smoking establishment gets rather uninteresting.  They just do not understand the pleasure of an acceptable cigar.  A few years ago when I was still training and umpiring in Little League, I traveled down to the localised ball fields one night to see a friend’s son play. I was comfortably sitting down away from others in the outfield and had just lit a cigar when another coach descried me and, missing an umpire for his game, implored me to name the game for him.  I reluctantly accepted and came in the field with my cigar in tow.  Some of the parents jeered me for the cigar but I insured them not to care and I set it out and lodged it in the backstop fence so I could smoke it later.  The game went on for several innings.  When it was over, I returned to regain the cigar and happened it had fallen out of the fence and on to the bloody clay of the field, much to the amusement of the parents who called on the carpet me earlier.  Unfazed, I simply frayed the red clay off and re-lit it, much to the amazement of the parents.  “Sorry,” I stated, “but there is nothing like a good cigar.”

It’s ad hominem

P.S. The term “Stogie” comes from Conestoga, a village of southeast Pennsylvania which, in its heyday, fabricated cigars

Keep the Faith!

Tim Bryce is a writer and management consultant located in Palm Harbor, Florida. http://www.phmainstreet.com/timbryce.htm

He can be contacted at: timb001@phmainstreet.com

Copyright © 2009 Tim Bryce. All rights appropriated

Article from articlesbase.com

Heirs Affairs Personal Record Keeping.

November 9, 2010 Posted by admin

Organize Your Personal Records And Vital Information – Quickly And Easily!
Heirs Affairs Personal Record Keeping.

History of Cigars

July 3, 2010 Posted by admin

Ah, the fine premium cigar. There truly is nothing to compare to the experience of a fine cigar, a glass of really good cognac, and an evening in the shade. It is a peaceful experience to say the least.

However, have you ever looked at your high-profile smoke and wondered what the events were that led to the making of it? Most true cigar aficionados have at one point or another.

The chain of events that led to the production of the cigar that you now hold in your hand is a long one, spanning back over 500 years. It all began when a brave explorer by the name of Christopher Columbus decided to throw caution to the wind and risk it all to prove that there was more to the world than everyone knew at the time. In 1492, he found success, along with a little something in the new world called tobacco.

Ironically, Luis De Torres of a Spanish Envoy to America decided to take some back to his home for personal use. After spotted lighting it, he was arrested for witchcraft and sentenced to a decade in prison.

The presence of tobacco popped up again as Cortez stumbled upon a tribe of Aztec natives that are smoking tobacco. Through Cortez, the tobacco makes its way throughout Spain. From there, the pipe-smoked substance began to grow in fame and use. By the mid 1500’s, tobacco had made its’ way all the way to France where the first seeds were planted and cultivated by a monk by the name of Andre Thevet.

From there, tobacco made its’ way to the distant lands of Portugal, Russia, Turkey, and Italy. The Portuguese, via a trade route, introduce it to the Japanese. Onward it spreads to Morocco, Egypt, and even to the Philippines. Finally, in the early 1600’s, it makes a full historical circle as documents reveal that the husband of Pocahontas, John Rolfe, brings tobacco to the state of Virginia.

By the early 1600’s, Cuba has built a solid name for fine tobacco growth and becomes the major supplier for the majority of the known world.

In the mid 1700’s, the infamous Catherine the great creates the cigar band as a concept. It seems that Catherine would smoke cigars so often that her fingers would take on a brownish colored stain. Therefore, to avoid this, she had a band designed so she could hold her cigars without the irritating stain.

From there, it is only a matter of time until the major brands began to establish themselves. Cohiba, H. Upmann, Partagas, El Rey del Mundo, Sancho Pancza, Romeo y Julieta, Hoyo de Monterrey, Montecristo and the rest of the premium cigars that you and I enjoy today become very notable over the next century.

That brings us to the here and now. Today, we can sit back and enjoy our fine cigars knowing that they have a history that dates all the way back to Christopher Columbus. So when you enjoy that next high-profile smoke, blow a plume and say, “Here’s to you Chris!”.

Denis is the author and webmaster for CigarInspector.com, your source for cigar reviews and cigar ratings.

Buying Cigars from Cuba

July 3, 2010 Posted by admin

Every cigar aficionado knows that the very best cigars come from Cuba.  Unfortunately, buying the best can often be a risky proposition.  But many cigar enthusiasts are willing to take the risk to get a taste of the very best.  If you’re wondering just how one would get their hands on a box of Cubans, read on.  Because of the relationship between the United States and Cuba, know that there are a lot of people looking to take advantage of cigar aficionados.  Purchasing Cuban cigars should be done with great caution in order to avoid getting duped.  

First, know that importing cigars from Cuba is considered illegal.  The United States placed economic sanctions on the Cuban government in 1963.  Ever since then, Cuban cigars have become the holy grail of cigar enthusiasts.  There is, however, one loophole: visitors to Cuba who return from a sanctioned and licensed visit are allowed to bring back cigars.  However, visitors are not able to bring back more than $100 worth of cigars, and they must be intended for personal use, and not for resale.  

Any other ways of obtaining Cuban cigars is considered illegal.  It is in fact illegal to buy, sell or trade Cuban cigars in the United States.  Fines for illegal trading, buying or selling of Cuban cigars may face up to $55,000 in civil fines.  This type of fine, however, is quite rare.  The more likely scenario is that you’ll have your cigars confiscated.  

When purchasing a box of Cuban cigars, be prepared to fork over quite a bit of your cash.  Prices can range from about $150 to $500 or more.  If you’re offered a box below these prices, chances are it may not be the real thing.  Most Internet businesses that sell purportedly genuine Cuban cigars tend to be imitations.  Always avoid shops or retailers that offer “discounted” Cuban cigars.  

How to get your hands on the real thing?  The easiest way to get a box of authentic Cuban cigars is to head north to Canada.  Buy them in Canada and repackage them so that they are not in their original Cuba packaging.  Remove the rings and place the cigars in a different box.  Customs agents tend to not inspect cigars carefully, and it is generally not considered a serious offense to bring Cuban cigars into the United States.  In fact, many clerks at tobacco shops will even offer to repackage Cuban cigars for you.

Buy A Butane Lighters For A Great Cigar Experience

June 24, 2010 Posted by admin

You are relaxing in your house admiring how a beautiful a day it is and you feel like smoking a cigar or two, or picture yourself in your plush office just closing the deal of lifetime and you feel like having a personal celebration by smoking, or you just plainly want to indulge yourself and smoke your treasured Havana’s.  So you open your cigar case or the humidor containing them, you take one out, you inhale its scent and deep aroma cut off the end put it on your mouth then you take out your lighter and lit it, you’re a little giddy with excitement looking forward to great day, and looking forward to a great cigar experience. So you take your first puff, and you choke like you are going to vomit. Instead of a good cigar, you just tasted fuel. And your perfectly good cigar is ruined, not only that, your perfectly great day is ruined. The lighter did it. Who knows what is going to happen next?

Get one of those butane lighters, and I guarantee that the things I wrote above will not happen. Butane lighters are, of course, lighters that use butane for fuel. Butane when you use it in your room is a gaseous hydrocarbon compound, in layman’s terms it means it butane lighters burn clean and its flame has high heat value. Butane is also priced reasonably so your refill will not cost much. That is why butane lighters are perfect for your cigar. It is odorless and tasteless so it does not have that nasty aftertaste unlike your traditional lighter which uses traditional fuel. And one more awesome thing about butane lighters is that, although butane is highly flammable it also has very high pressure, which actually makes butane lighters very safe to use. It is even referred to as the future fuel. Who knows butane lighters could also be the future of lighters?

Having a great cigar does not necessarily mean having a great cigar experience. If you are really serious about your smoking, there are other things aside from cigar or cigarettes you need to make yourself an expert of, like lighters.

Vincent owns a network of stores. The inspiration for this article came from a store called the Best Cigar Lighter.

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.

A Cigar Humidor -every Aficionado Needs One

June 6, 2010 Posted by admin

Owning a humidor is a true sign of a cigar aficionado. There is a common misconception that humidors are large and often expensive. Yes, you can buy large, even walk-in humidors that will cost you a year’s salary, but that it unnecessary unless you have enough cigars to fill a humidor that large!

The fact is that if you enjoy a cigar every now and then or even several times a day, you may want to consider purchasing a humidor. These handy containers keep every cigar at just the right temperature and humidity. This ensures that your entire stock stays fresh so that you can enjoy them when you are ready.

When you decide that you are ready to purchase your own humidor, you need to consider a few things. How many cigars would you ideally like to store? How many cigars do you think you will actually have on hand at any given time? The reason that this is important is because there should not be too much dead space in your humidor. This can throw off the humidity and temperature level.

Those walk-in humidors are most often seen in a cigar store or specialty bar, although some more wealthy people may have one as a status symbol. The majority of enthusiasts will choose to purchase a tabletop humidor. These generally hold up to three hundred cigars. In addition, you can purchase a travel humidor if you want to bring some with you.

As a cigar enthusiast, you want to get the best possible flavor every time you smoke. It is believed that aging in a humidor for up to ten years will heighten the flavor continually. While you may balk at the idea of waiting ten years to smoke a cigar, remember that it is entirely up to you whether you even choose to explore the aging process. Not everyone with a humidor chooses to age their cigars significantly, but the purpose of a humidor is to keep your stock as flavorful as possible.

If you do decide to endeavor into the aging process, then you should be aware of a few things. Not all are going to taste better with age. This is a personal preference and is not easily figured out without some experimentation. Cheaper cigars may not need to be aged at all, while some will greatly benefit from aging. Again, this is trial and error. A harshly flavored cigar will likely mellow in flavor the longer it is aged. If you don’t like the taste of a cigar, then aging it will not have any effect on your preference. As long as you understand that a humidor is not going to magically transform your cigars in a few simple months or years, you should be pleasantly surprised at your own findings.

A true cigar enthusiast will choose a humidor that meets his or her specific needs.

Otto Van Deven has been smoking cigars every since he raided his Grandfather’s humidor and snuck behind the barn at 16. Quite a few decades later he still thinks that was a great decision, although his grandfather disagreed, until Otto replaced his glass cigar jar with a fine humidor. You can get your own humidor at the Humidor Store, and see what Otto has to say at Humidor Ferret.

Humidors For Sale: But What To Consider

May 19, 2010 Posted by admin

At the mention of humidors, people usually believe of a crate where they hold cigars. But the phrase humidors actually refer to any cell or container that is kept at continuous humidity or temperature where cigars, cigarettes, and tobacco are kept safe. These crates are often made out of different types of wood to attain the ideal humidity and temperature.

There are abundant types of humidors that can be found, Room Humidors, Cabinet Humidors, Table Humidors, Personal Humidors, and Travel Humidors. The nature would be the figure of cigars it can store at any given time.

Humidors are not just bought for their storage capacity for cigars, but they are also appreciated for their arrangements that will definitely add to the aesthetic distinctive of any room. If you’re looking to find a humidor for your personal use, there are a lot of fabricators who offer humidors for sale.

When thinking of looking through humidors for sale, one should keep in mind the attributes that will make a good humidor. First off, it should abide up to its use of keeping cigars safe, with its ability to keep constant humidity that should always be below 75%. Why is humidity or constant temperature of 20oC important in keeping cigars safe? This would be due to the tobacco beetles that like to infest and lay their eggs in cigars or tobacco if humidity is not kept at a constant. Secondly, design should be considered depending on your personal preference, there are humidors that are designed to hold enough cigars for personal use and this would be more practical rather than getting the bigger humidors designed to hold hundreds of cigar, unless of course if you’re into selling or collecting more than a desktop humidor could hold.

For prices of humidors for sale, it would greatly vary depending on the arrangement that you will choose and the size of the humidor. Personal or desktop humidors can be found priced at less than $20, and some can also run up to $100, also depending on the number of cigars it can hold.

One really good type of humidor is the one made out of Spanish-cedar wood, apart from keeping temperatures at a changeless, it can also contribute its aroma to cigars kept in it over a period of time, and this type of wood actually repels tobacco beetles, an assured plus in a humidor.

Getting a humidor is a certain plus to the cigar encounter, and getting the right one that fits your needs and personal appetite will additionally enhance this.

Vincent owns a network of stores. The inspiration for this article came from a store branch called Humidors for Sale.