Investment Strategy
SHOULD YOU INVEST FOR YOUR FUTURE?I would say Yes.Hence, investing has become increasingly important over the years, as the future of social security benefits becomes unknown.In these hard times, people want to insure their futures, and they know that if they are depending on Social Security Benefit, and in most cases retirement plans, they know that they may be in for a rude awakening, when they no longer have the ability to earn a steady income. Investing is the best answer to the unknowns of the future.Over the years you may have been saving money in a low interest savings account. Now, you want to see that money grow at a much faster pace. Perhaps you’ve inherited money from a relative or you realized some other type of windfall, and you need a way to make that money grow. So, investing is the answer.Investing is also a way of getting the things that you want, such as a new home, a college education for your children, or expensive ‘toys.’ Of course, your financial goals will determine what type of investing you do.If need to make a lot of money fast, you would be more interested in higher risk investing, which will give you a larger return in a shorter amount of time. If you are saving for the far off future, such as retirement, you would want to make safer investments that grow over a longer period of time.To create wealth and security are the overall purpose of investing, over a period of time. It is also important to remember that you will not always be able to earn an income … you will eventually want to retire.You also cannot depend on the Social Security system to do what you expect it to do. As we have seen with Enron, you also cannot necessarily depend on your company’s retirement plan either. So, again, investing is the key to insuring your own financial future, but you must make smart investments!INVESTMENT STRATEGYIn most cases, investing is not a sure thing — it is more or less like a game – you will never know the outcome of the game until it has been played and a winner has been declared. When you play almost any type of game, you should have a strategy. Investing isn’t any different – you need an investment strategy.The strategy in investment is basically a plan for investing your money in various types of investments that will help you meet your financial goals in a certain amount of time. Each type of investment contains individual investments that you must choose from. A clothing store sells clothes – but those clothes consist of skirts, dresses, shirts, pants, undergarments, etc. The stock market is a type of investment, but it contains different types of stocks, which all contain different companies that you may invest in.You must first research and research some more, otherwise, it can quickly become very confusing – as there are so many different types of investments; there are each individual investments to choose from. This is where your strategy, also combined with your risk of tolerance and investment style will all come into play.If you are a beginner and just starting in investing, you should have a financial adviser, who will advise you before making any investments. Your financial adviser will help you develop an investment strategy that will not only fall within the bounds of your risk tolerance and your investment budget, but will also help you achieve your financial goals.You should invest money with money that you don’t use and never invest money without having a goal and a strategy for reaching that goal! This is absolutely essential. Nobody should ever hand their money over to anyone without knowing what that money is being used for, and when they will get it back! If you don’t have a goal, a plan, or a strategy, that is essentially what you are doing! Always start with a goal and a strategy for reaching that goal!Your Present Situation Should Be Stabilized Before You Think Of InvestingBefore you even think of investing in any type of market, you should really take a long hard look at your current financial situation. Investing in the future is a good thing, but clearing up bad – or potentially bad – financial situations in the present is extremely more important.Check your credit report. You should do this once each year. It is important to have a clear report, and to clear up any debt as soon as possible. If you have set aside $25,000 to invest, but you have $25,000 worth of bad credit, you are better off cleaning up the credit first!Firstly, look at what you are paying out each month, and you should get rid of expenses that are not necessary. For example, high interest credit cards are not necessary. Pay them off and get rid of them. If you have high interest outstanding loans, you should pay them off as well.If nothing else, exchange the high interest credit card for one with lower interest and refinance high interest loans with loans that are lower interest. You may have to use some of your investment funds to take care of these matters, but in the long run, you will see that this is the wisest course of action.Get yourself into good financial position – and then enhance your financial situation with sound investments.It does not make sense to start investing funds if your bank balance is always running low or if you are struggling to pay your monthly bills. Your investment money will be better spent to rectify adverse financial issues that affect you each day.While you are in the process of a clear-up in your present financial situation, make it a point to educate yourself about the various types of investments.This way, when you are in a financially sound situation, you will be armed with the knowledge that you need to make equally sound investments in your future.INVESTING FOR YOUR RETIREMENTRetirement it might be right around the corner OR it may be a long way off for you – No matter how near or far it is, you have absolutely got to start saving for it now. However, in these days, saving for retirement isn’t what it cut out to be with the increase in cost of living and the instability of social security. You have to invest for your retirement, as opposed to saving for it!Let’s us take a look at the retirement plan which is offered by your company. At one time, these plans were quite sound. However, after the Enron upset and all that followed, you are not secured in the company retirement plans anymore. If you choose not to invest in your company’s retirement plan, you do have other options.First let’s see, you can invest in stocks, mutual funds, certificates of deposit, bonds, and money market accounts. You do not have to state to anybody that the returns on these investments are to be used for retirement. Just simply allow your money to grow overtime, and when certain investments reach their maturity, reinvest them and continue to let your money grow.You can also open an Individual Retirement Account (IRA). IRA’s are quite popular because the money is not taxed until you withdraw the funds. You may also be able to deduct your IRA contributions from the taxes that you owe. An IRA can be opened at most banks. A ROTH IRA is a newer type of retirement account. With a Roth, you pay taxes on the money that you are investing in your account, but when you cash out, no federal taxes are owed. Roth IRA’s can also be opened at a financial institution.Now here is another popular type, of retirement account is the 401(k). 401(k’s) are typically offered through employers, but you may be able to open a 401(k) on your own. You should speak with a financial adviser or accountant to help you with this. The Keogh plan is another type of IRA that is suitable for self employed people. Self-employed small business owners may also be interested in Simplified Employee Pension Plans (SEP). This is another type of Keogh plan that people typically find easier to administer than a regular Keogh plan.Whichever retirement investment you choose, just make sure you choose one! Again, do not depend on social security, company retirement plans, or even an inheritance that may or may not come through! Take care of your financial future by investing in it today.I hope this helps you in your future financial plans.
Holistic Approach to Pet Health Care – Preventing Disease in Dogs and Cats
Preventing Disease in Dogs and Cats with Holistic Health CareHolistic health care uses knowledge of what causes disease to make preventative lifestyle choices. For people, holistic health has a history that goes back 5,000 years to India and China, but for pets, the concept is modern.Often times, Western medicine hasn’t been on the same page as holistic health care. In Western medicine, scientists identified germs as outside causes of disease, and created synthesized chemicals to destroy them. People made unhealthy lifestyle choices and assumed health problems could be “fixed” if they got sick.While it is wonderful to be able to cure disease, wouldn’t it be a better approach to prevent disease in the first place?Promoting optimal health and disease prevention are the main goals of holistic health. As a pet owner, you can choose to use holistic health with your pet. The benefits include:
Lower overall health care costs (prevention is cheaper than curing)
Pets with greater energy and freedom from infirmity
Having a disease-free pet who lives a longer, healthier lifeHolistic Health Care Diets for Dog and Cat Holistic health care for dogs and cats is simpler than it is for people. Why? Because dogs and cats are have simpler needs and are easier to satisfy.For many people, the most challenging aspect of maintaining holistic health is consistent emotional balance. The human mind creates its own worries in the over-stimulated world we all live in.However, a dog or cat that has a bed to call their own and gets exercise and belly rubs on a regular basis is likely quite content. For owners, the simply purity of our pets happy state of mind is one of their great charms.The food we give our dogs and cats, however, is dubious from the holistic health perspective. Many dogs and cats go their entire lives eating nothing but processed food. This creates imbalances with essential nutrients, fatty acids and digestive enzymes.Providing a well-balanced diet for our pets can be challenging but is the most important factor in achieving optimal health. Many people barely keep up with cooking healthy for themselves, much less their pets. Although commercial pet foods are convenient to serve and most pets gobble them up, they are often quite poor in nutritional value and can even lead to many adverse health conditions such as allergies, skin problems and digestive disorders.Nutritional supplements can provide a consistent means for ensuring your pet receives the nutrients they need to lead healthy lives.Natural Support for Anxious Pets While dogs and cats don’t sit around worrying about bank accounts or politics, being part of the human world can be stressful. Unfortunately, we have also bred traits into dogs and cats that leave some animals susceptible to not only physical problems, but also anxiety disorders.Holistic health offers help for nervous pets. Herbal remedies are similar to giving a nervous dog or cat a soothing cup of tea. This calming effect allows your pet to learn how to deal with anxiety provoking events like being left alone or loud noises.Holistic Health and Everyday Choices Every day you make a variety of choices about how you live your life – what you choose to eat, whether you exercise and how much you sleep, how you handle stress, etc. Your pet cannot choose a holistic lifestyle. It is up to you as the owner to make everyday decisions that have a cumulative, long-term effect on your pet’s health.Exercise and attention are everyday essentials for holistic pet health. With a complete diet, your dog or cat will be happy, active, and require fewer trips to the vet.The average pet owner usually has little choice but to use processed foods. Adding nutritional supplements is an everyday choice that ensures your pet is getting essential nutrients in their diet. Over your pet’s lifetime, you will spend less on health care and have a healthier pet.
Cats Health Care – Natural Is Best!
Cats health care is complex, but simple at the same time. This seemingly contradictory statement stems from how humans view the world. All humans have a belief system set up, that is personal and based on their upbringing, their culture, their environment, their education, their religion, etc. When any of this is challenged, it can feel very uncomfortable, unsafe even.Cats health care is complex because every aspect of your cat’s life needs to be examined. No stone can be left unturned. This is regardless of what you feel is good for your cat or not. Your preconceptions must not get in the way. You need to be very open minded.So when you feel that you cannot examine an aspect that perhaps you need to, that may be necessary to get to the route of the problem your cat may be suffering with, you may be challenging your current belief system. Scary stuff indeed!Cats health care is simple, because when you look at the whole picture, in its entirety, it can be easy to see where and why your cat may have a health issue.Let’s first look at how cats in the wild live. This is how they evolved. This is why cats are so successful today.At least three things spring to mind immediately – diet, freedom and health care.Let’s deal with the last one first, as most people would be asking ‘where is health care in the wild’?Animals seek out medicinal plants and herbs, to cure a variety of problems. They know which ones are good for any given ailment. They are far more savvy than the average human. Grass is a good example – cats use it to clear a digestive problem.Animals also know that rest and sleep can cure a large number of problems. Field doctors in a war zone discovered this too. They found that the patients they were unable to help immediately, fared far better than those they got to first.There is a magic to life that most humans know little about. Self healing is very strong in every living being.The second item, freedom, may not be optional for many cats for safety reasons. However, cats are free spirited and do suffer without some freedom. It is well known that cats confined indoors all the time are less healthy and life shorter lives, than those who have free access outside.How you go about addressing this depends on where you live. Securing a safe back yard may be an option for you. Some breeds take well to walking on a lead. Just making a closed run where they can feel the grass and the sun, may make all the difference to their lives.Probably diet is the most important aspect of everyone’s health care. Yet diet is dismissed by many as being irrelevant to health. That’s a bit like saying that the type of fuel you put in your car is immaterial to how it performs.The fact is that the typical commercial cat foods fed to most cats is the cause of most of their health issues. It also means that by changing the diet of your cat to a natural one, it is highly likely that they will improve or even recover from their health problem.Cats health care begins and ends by looking at the whole picture. Start by feeding your cat real, quality, nutritious food and watch the results.
For more information on a natural diet and health care for cats, click on the link below.
Quick Weight Loss Diets – How to Make Them Work
Quick weight loss diets are popular due to the faster initial weight loss they can achieve and they are less harmful and more beneficial. You lose weight fast during the initial stages, due to the net loss of water weight since protein and carbohydrates both help hold water in body cells. Quick weight loss diets are just a temporary solution and do not help you to make permanent changes to your eating habits.Does this mean that quick weight loss diets don’t work? They do, but only when you understand the role that quick weight loss diets play in your overall lifestyle. The important thing before starting any diet regimen is to ask, “Can I do this for the rest of my life?” If the answer is no, then don’t try the diet; it will only harm you in the long run if you start a yo-yo cycle of weight “loss-gain-loss” again and again.Quick weight loss diets are not intended for prolonged use. Although you may not notice a problem at first, your body will soon stop responding to the diet and the weight loss will reach a plateau. Quick weight loss diets, say professional dermatologists, often lack proper nutrition and rapid weight loss in itself can also trigger metabolism changes that affect hair growth. For the healthiest hair, physicians say that the best weight loss programs are reduced calorie diets that promote gradual weight loss and a healthy diet using foods from all the food groups.Exercise and diet go hand in hand with a successful weight loss plan. Exercise should be enjoyable, otherwise you won’t continue. If you feel you don’t have time for anything, try jumping rope, or incorporate your exercise into something else you do, for example, if you work or live in a high rise building, take the stairs up and down. Exercising does you no good if you just go out and eat more when you are finished. Dieting is the first key to any truly successful weight loss, especially when you want to make sure that you not only get those pounds off, but that you keep them off, too.Quick weight loss diets do work, but they work even better combined with regular sustained physical activity for forty-five minutes or more at least five days a week. Remember that it’s important to check with your physician if you have a substantial amount of weight to lose, if you have any type of health condition, and/or you do not exercise on a regular basis or are sedentary.Eating breakfast every day is contrary to the typical pattern for the average overweight person who is trying to diet. Then they get hungry and consume most of their calories late in the day. Eating right using pre-planned recipes that incorporate foods that strengthen rather than weaken and bloat your system is critical. Successful dieting is about being prepared with proper quantities of healthy food in all situations. Eat regular meals 5 times a day but not much.Strive to eat balanced and healthy meals while still controlling your caloric intake. In this way you will be more likely to maintain your weight loss instead of gaining back the pounds. Instead of high-fat products, lower fat options are recommended. These diets also generally include such things as whole grain foods, plenty of water, low-fat proteins and more.One tip to immediately cut down your calorie intake is by reducing your normal food portion in half. In most cases, the serving sizes you get in restaurants and fast food joints are more than what you need. By reducing your portion size, you still get to enjoy your normal foods and cut down your calorie intake immediately!Quick weight loss diets abound, both online and locally in your city. While local weight loss programs are generally more expensive than online programs, the face-to-face support may be exactly what you need to help you take off the excess weight.Permanent lifestyle changes are the only way to remain at your target weight once you reach it. Quick weight loss diets will help you lose weight, just remember to do it right, the healthy way.
What are anti-ligature blinds?
Anti-ligature blinds are becoming increasingly popular in a range of different settings. The way these blinds differ from traditional blinds is that they are designed to prevent suicide by hanging.
Initially, uptake for this type of blind was largely restricted to high-risk environments such as psychiatric hospitals and prisons, where suicide is common. In mental health environments and detention centres, suicide via hanging is common and preventative measures must be implemented. A huge range of objects could be used to create a ligature point, meaning anti-ligature systems are highly important.
Over the years, anti-ligature blinds have been supplied to hospitals, schools, student accommodation and even hotels.
How do they work?
There are a range of different systems on the market, but the most reliable could well be the magnetic anti-ligature system. YewdaleKestrel® products utilise load release magnets which separate when a downward force is exerted on the product. This means that the product falls to the ground safely and prevents suicide via hanging.
The magnetic systems used in Yewdale’s products are highly reliable because magnets don’t lose their strength for hundreds of years, guaranteeing a lifetime of lifesaving functionality.
Anti-ligature blinds usually have a magnetic connection point above the blind’s barrel. The blind is easy to reconnect to the magnetic bracket after it has fallen to the floor.
If you are considering an anti-ligature blind, Yewdale is a highly recommended company. Based in the UK, Yewdale produce a wide range of anti-ligature products, commercial blinds, and healthcare products including hospital cubicle tracks and medical curtains.
Yewdale produce other anti-ligature products too including a soft, lightweight en-suite door and other accessories such as soap dispensers, toilet roll holder, shelves and artwork. You can see the full range on the website using the link below.
Complete weight loss strategy
For those who want to lose weight
Research on the causes of obesity, knowledge about weight loss, and various diets for weight loss are updated every year. However, with the update of knowledge and the release of diet pills one after another, the obesity rate continues to rise every year, and there is no sign of wanting to decline. I used to be very, very fat, and I am also a person who is prone to obesity.
So I understand the voices of fat people, I really want to lose weight, but I tried many ways to lose weight at that time without success.
I have tried the common boiled meals on the market, eating less and moving more, but it was not until I tried other diets that I managed to lose weight. After I lost weight, I began to study the essence and method of losing weight, and wrote him in this weight loss strategy article, hoping to help you.
A few key myths about losing weight
The weight loss myth of eating less and moving more
The phrase “eat less and move more” is actually true, but most people do it wrong. Many people think that they should eat less of everything, so they limit their calories to a very low level, and it feels a bit like eating an ultra-low-calorie fairy meal. Then, for the hyperactive part, the first thing that everyone thinks of is aerobic exercise such as running, cycling, etc., but in fact, this is a very short-term and easy way to regain weight, mainly because eating too little is an easy way to lose weight. The reason for the loss of muscle mass, coupled with the fact that aerobic training is not helpful for muscle mass growth, causes the metabolism to drop too much.
Maybe you can lose 5 kilograms in this way, but if your metabolism declines, you will easily regain the weight. And it’s all the fat that gets back up, not the muscle you lose that makes you look fatter than before. This is what we call the yo-yo effect, lose weight, get fat back, get fatter than before, lose weight, get back on Fat, get fatter than before.
Stop taking diet pills and meal replacements
At this time, you may start to seek other ways, eat weight loss meal replacements, taking diet pills, and so on. But believe me, most diet pills will inevitably hurt the body, especially the gastrointestinal tract. You may actually lose weight in the moment, but when your gastrointestinal tract is damaged, you will be fatter than before.
The key to understanding how to lose weight
You must have thought, why some people will not gain weight no matter what they eat, while some people will gain a kilogram the next day after eating a little bread? What is the cause of obesity? This is not a simple answer that can be solved!
You can see the link to the picture below, mainly talking about the influencing factors of obesity, which are very, very complicated.
Image source: https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/296290/obesity-map-full-hi-res.pdf
In the middle of this picture is the heat balance
So we can know that calorie balance is very important
But this article doesn’t keep preaching that calorie balance is the key to losing weight like other sites
If you don’t know what calorie balance is, you can probably imagine that our body has calorie consumption (exercise, thermogenesis, basal metabolism), and calorie intake (eating).
When calorie consumption exceeds calorie intake, the weight will drop, so the truth of weight loss is to eat less and move more, very simple. In the short term, it is really possible to simply achieve weight loss by eating less and moving more, but simplicity is not simple, because the operation of the body is very complicated. Many people think that they can control their calorie consumption, that they can achieve a lot of calorie expenditure by running all the time, and that eating fairy meals (low-calorie meals) can reduce calorie intake and then easily lose it.
However, according to research, 90% of people who use calorie control, eat less and move more to lose weight will fail or regain the weight.
Because eating less and moving more for too long, metabolism will easily drop, hormones will easily become imbalanced, and muscle mass will easily be lost. Even if you lose 10 kilograms, you will easily regain weight.
When losing weight, the body is like a factory
For me, the key to long-term weight loss and maintaining good posture is the environment in the body, such as hormones, the level of inflammation in the body, and the gastrointestinal system.
Think of the body as a factory
-Your hormones are the managers and workers of factory operations
-Inflamed condition is how good factory machinery and hardware are
-Calorie intake is wages for factories as well as fuel
If the manager of this factory is an idiot, or if the hardware in your factory is completely rotten, then no matter how it works, it will create a pile of waste. Just as our hormones are already out of balance and the level of inflammation in the body is very high, no matter how much you eat, if you don’t solve the existing problems, it will easily accumulate into fat. It may be easier to understand with a few examples.
Hormones vs Weight Loss
This study looked at the effects of sleep and weight loss
Research source: https://www.ncbi.nlm.nih.gov/pubmed/20921542
Both groups of humans were calorie-restricted, but one group slept 5.5 hours a night and the other 8.5 hours. Both groups lost weight, but the group that slept less lost 55 percent less body fat and 65 percent more muscle mass than the group that slept more. It is equivalent to losing weight, but most of the loss is muscle mass, which reduces metabolism and makes it easy to regain weight later.
There is such a big difference mainly because poor sleep has a negative impact. The imbalance of the secretion of these things will easily increase fat and reduce muscle.
This next study looks at the effect of insulin sensitivity on body composition!
Research source: https://www.ncbi.nlm.nih.gov/pubmed/19471290
Basically, many chronic metabolic diseases, obesity, and poor muscle-building effects are closely related to low insulin sensitivity. Insulin is an anti-catabolic hormone whose main function is to store nutrients in cells. For example, after heavy training, our muscles will be more sensitive to insulin, and the nutrients we eat will be more easily absorbed into the muscles. When insulin sensitivity is low, the nutrients we eat are more likely to be stored as fat rather than absorbed into muscles.
We can simply say that the nutrients in the food eaten by people who are insulin insensitive are more likely to be stored as fat, and the relative fat mass will be much higher than the muscle mass.
To put it simply, the key to losing weight is actually to improve hormones, improve inflammation in the body, and add an appropriate calorie deficit. It is not difficult to achieve a calorie deficit. What is more difficult is how to choose the type of food that suits your body to improve hormones and achieve a long-term good body.
If you only pursue short-term weight loss and rely on a lot of calorie deficits to achieve the effect of weight loss, and then the hormones are still the same after the loss, then I can guarantee that you will gain weight very easily.
With so many ways to eat on the internet, which diet should I try?
When talking about losing weight in Taiwan 30 years ago, everyone would definitely want to use boiled meals
When it came to losing weight five years ago, everyone might think of using a low-sugar diet. When it came to losing weight in the past two or three years, everyone might directly think of the ketogenic diet.
I lost 30kg in 3 months on a low-sugar diet myself for the first time, so I used to believe that a low-sugar diet was the best way to lose weight
But after my long-term understanding of weight loss-related research, genetic cognition, and observation of students, there is no diet that is most suitable for everyone! Although it is said that high-carbohydrate foods will most stimulate insulin secretion, which in turn promotes the storage of nutrients into fat, some people are naturally good at metabolizing carbohydrates, so they can still be healthy and strong after eating high-carbohydrate throughout their lives.
For example, this study compared the responses of people with high and low insulin sensitivity to high- and low-carb diets.
Research source: https://onlinelibrary.wiley.com/doi/full/10.1038/oby.2005.79
The study concluded:
-For people with high insulin sensitivity, eating high-carb and low-fat to lose weight is very helpful
-However, people who are insulin insensitive use a high-carb low-fat diet to lose fat, but the weight loss effect is not so good.
But on the contrary, studies have also shown that people with low insulin sensitivity have a very good weight loss effect on a low-carb high-fat diet, which shows that improving insulin is very important for weight loss, and it also shows that people with insulin insensitivity are more suitable
Lose weight with a high-carb diet.
So if you have been obese for a long time, you know that you eat carbohydrates easily, or you know that you have diabetes in your family and want to lose fat, then I would suggest that you can start by reducing carbohydrates, which is what we call low carb diet!