Boost the immune system with vitamins
Boost the immune system with vitamins
http://www.bubblews.com/news/5146339-boost-the-immune-system-with-vitaminsRejuvenation at the level of cells
source Link Bubblews : http://www.bubblews.com/news/5147661-rejuvenation-at-the-level-of-cells
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Remove waste from your cells
If you feel tired when they wake up in the morning it is probably means that your cells filled with waste. If this did not come out, you will not waste your cells functioning as it should. Maybe try to be active Vtjd that difficult. If your brain cells contained a large amount of waste it is may lead to dementia and Alzheimer's disease or a blow to the paralytic.
Waste in cells lead to enormous, provided any age and not to restoration and to the immune system does not work well. Perhaps we are exposed to infectious diseases or cancer. Since the body is made of cells, activity is low for these cells will affect the health of the body as a whole.
Proteins in diseased cells
Not more waste in our cells, but not diseased proteins useless. Our food comes from foods that Nhimha Nmtsa in move on to our cells through the blood. This protein is a nutrient that is decomposed into amino acids in the small intestine and then to the new proteins in our cells. Resulting from the process of installing these new proteins a large amount of waste proteins diseased. The reason for this is the food proteins ailing author of Gastronomic animal (meat, cow's milk and its derivatives). Many people carry large quantities of these wastes that are not decomposed enough in the cells. Unless graduated entirety constipation remains inside the cells intact. The deterioration of metabolism with age is due to the waste inside the cells, but it is wrong to be attributed to progress in age only. If taken care of the necessary food factors and other aspects of life will be able to maintain the vitality despite the progress of age.
What should we do if you get rid of the waste inside our cells?
There is a system dedicated to the removal of toxins inside our cells. Regenerative enzymes that we have mentioned previously involved in the removal of toxins this system. Stop removal of waste in the intracellular and even recycled at the level of the activities of these enzymes.
source Link Bubblews : http://www.bubblews.com/news/5147661-rejuvenation-at-the-level-of-cells
Remove waste from your cells
If you feel tired when they wake up in the morning it is probably means that your cells filled with waste. If this did not come out, you will not waste your cells functioning as it should. Maybe try to be active Vtjd that difficult. If your brain cells contained a large amount of waste it is may lead to dementia and Alzheimer's disease or a blow to the paralytic.
Waste in cells lead to enormous, provided any age and not to restoration and to the immune system does not work well. Perhaps we are exposed to infectious diseases or cancer. Since the body is made of cells, activity is low for these cells will affect the health of the body as a whole.
Proteins in diseased cells
Not more waste in our cells, but not diseased proteins useless. Our food comes from foods that Nhimha Nmtsa in move on to our cells through the blood. This protein is a nutrient that is decomposed into amino acids in the small intestine and then to the new proteins in our cells. Resulting from the process of installing these new proteins a large amount of waste proteins diseased. The reason for this is the food proteins ailing author of Gastronomic animal (meat, cow's milk and its derivatives). Many people carry large quantities of these wastes that are not decomposed enough in the cells. Unless graduated entirety constipation remains inside the cells intact. The deterioration of metabolism with age is due to the waste inside the cells, but it is wrong to be attributed to progress in age only. If taken care of the necessary food factors and other aspects of life will be able to maintain the vitality despite the progress of age.
What should we do if you get rid of the waste inside our cells?
There is a system dedicated to the removal of toxins inside our cells. Regenerative enzymes that we have mentioned previously involved in the removal of toxins this system. Stop removal of waste in the intracellular and even recycled at the level of the activities of these enzymes.
source Link Bubblews : http://www.bubblews.com/news/5147661-rejuvenation-at-the-level-of-cells
Theory Versus Reality: Getting By Without Credit
Can you get by without credit? Can you get by without a credit card? Can you get by without a car loan? Can you get by without a mortgage? The answer is yes.
However, it won’t be easy to get by without credit, and you’ll make your life more difficult than you need to.
Life with Jane getting by without credit
Let’s examine the daily life of a person who has chosen to get by without credit. We’ll call this person Jane.
Jane has probably chosen this course for one of three reasons.
- She worries she won’t be responsible with credit.
- She doesn’t manage money very well.
- She’s afraid of credit.
Jane can only get past these blocks if she educates herself. Nothing else is likely to change her behavior.
How Jane gets by
Jane works a job. She cashes her paycheck. Some of it stays in the bank, accessible by ATM. She pockets the rest.
She pays cash for everything. Whether she’s going to the gas station, to the grocery store, to the movies or to a sporting event, she uses greenbacks.
For other things, like utilities or her cable TV bill, she’ll whip out the checkbook.
Jane is so intent on getting by without credit that she uses prepaid debit cards to shop online.
Downsides for Jane
Jane is managing to get by without credit. Life isn’t as convenient as it may be for some, but she’s doing just fine.
However, Jane is going to run into trouble if she wants to own a home. She may not ever want to own a house, but she should leave her options open. If she is getting by without credit, that means she’ll have a next-to-nonexistent credit score.
It will be very difficult to obtain a mortgage at all without a credit history, and even if she can get a mortgage, it is likely to be more expensive than it otherwise would be – as in, tens of thousands of dollars over 30 years of interest payments.
Does Jane want to buy a car? She doesn’t have to. Millions of people lease cars or buy used cars with cash. A few pay in full with cash.
But cars cost a lot of money, and she will have a hard time buying a new car unless she’s got more than ten grand saved up. She’ll need a car loan and, well, she’s back to the mortgage problem.
Big downsides for Jane
Will Jane ever get robbed? If she does, the credit cards will not stick her with any liability. If the robber gets her cash or her checkbook, there’s not much she’ll be able to do.
Will Jane ever have an emergency? Probably at some point. If she goes to the doctor, and needs serious medical care, she better have health insurance.
If she doesn’t, the doctor’s office will want payment then and there or refuse treatment (not at an emergency room, however).
Does Jane want rebates? Sometimes she can get a cash discount when she buys stuff with cash, although that doesn’t happen often. With a credit card, she can take advantage of credit card cash-back and rewards plans, which have value, as well.
Look, Jane, look …
My advice to Jane: Live life with at least some access to and responsible usage of credit.
Cash image via Shutterstock
Source Article http://ift.tt/1y39EC7
Learning Personal Finance Lessons Your Parents Actually Skipped
Parents have a long list of lessons to teach their children, from tying a shoe to the purpose of a curfew. Perhaps money management didn’t make the cut in your childhood curriculum.
While almost three-quarters of parents (72%) feel that it is important to guide their children in such matters, about half (51%) aren’t actively involved in helping their kids learn to manage their finances, including spending, saving and investing, according to a study from MassMutual Financial Group. But sometimes learning comes from observing.
Learning the basics
As for lessons lost, they often involve the very basics of how money works.
“My parents never taught me how banks make money,” says Joshua Dziabiak, an entrepreneur in Austin, Texas. “I think this is a fundamental piece of understanding – how and where to house your money, how interest works and how this can either work for or against you.”
Nevertheless, Josh had an excellent opportunity to learn the ins and outs of personal finance while very young. He started his first web-design business at age 15 and sold it for $1 million before he turned 18, putting him among the first teenage “dot-com” millionaires. He went on to co-found TheZebra, a venture-backed online car insurance agency.
“Banks compete just like every other business,” Dziabiak says. “My parents, having inherited the same banking relationship that ran in our family for years, never explored other options and in doing so, probably cost themselves thousands of dollars. A good bank can empower you or your business with fair-lending practices, but it’s important to shop and understand how they make their money so you can really understand what to pay attention to. I had to learn this lesson on my own.”
Rudiments of real estate
But parents can’t teach what they don’t know – and forecasting a housing crash was clearly on no one’s radar a decade ago.
“I think the biggest piece of financial wisdom that my parents didn’t teach me that I had to learn for myself was that it’s okay to rent and not own,” says Iman Jalali, a marketing director in Chicago. “In their generation and state of the economy, it made sense to buy a house and watch your equity in it grow, but nowadays it doesn’t always make sense to buy. If I bought the house my parents wanted me to buy years ago, I would now be underwater in a mortgage.”
Gabrielle Knowlton, a writer in Sarasota, Florida, also learned a lesson about real estate that her parents never taught her: the reality of property investments.
“My parents never told me – because they probably never knew – that you can’t believe everything that wealth-building how-to books say,” Knowlton says. “I did, unfortunately.” The bad advice: “`Buy investment property, let the rents pay your mortgage while the property appreciates,’” she says. As a landlord, Knowlton has “real-life horror” stories including unpaid rent, tenants trashing her property and many other scenes she claims are straight out of the movie “Pacific Heights.”
“This mistake of owning houses I didn’t live in cost me not only most of my life savings, it also cost me almost a decade of my life,” Knowlton says.
Some lessons are taught by example
While parents may not dole out personal-finance lessons at the kitchen table, their kids still learn a lot from them, often by example.
“My father died four months before I was born and my mother never remarried,” recalls Samuella Becker, a public relations executive in New York City. “After my dad’s death, my mom ended up working as a secretary in a tire factory in Akron, Ohio, by day and going to college at night to be a teacher. Bills were always paid in full by the end of the month as she didn’t like debt. Like her dad, a Hungarian immigrant, she paid cash for her cars – which she held onto for at least 10 years – and our brick ranch home. But mutual funds, stocks and bonds and financial advisers were never part of her financial vocabulary”
While working for a Wall Street investment firm, Becker discovered there was more to personal-finance planning “than a savings account at my local bank,” she says. But the lesson she’s learned since is perhaps the most important – and poignant.
“My mom has lived for almost the past four years in assisted living, as she has Alzheimer’s; I’m her guardian,” Becker says. “Assisted living is expensive.”
“What I have now learned about personal finance is that getting old is scary from both a health and financial perspective,” she says. “Even when you think you’ve saved enough money and have tangible assets such as a home and car – it may not be enough.”
Becker says initially her mother’s pension covered the cost of assisted living – $3,200 a month. But as her mom became unable to self-medicate because of memory issues and began to need help with showers, getting dressed, and other essential activities, the charges rose. With annual increases for room and board, monthly costs soared to near $5,500. Becker estimates assisted-living expenses have surpassed $200,000.
“I’ve now put her house up for sale,” she says. “So what I have learned first-hand as a guardian for my mom is that you can never have too much money saved for old age. I only pray that I can keep her in the same comfort [for] the rest of her life – and earn enough money to contribute to her continued care.”
Some lessons left untaught are still learned.
Finance lessons cartoon via Shutterstock
Source Article :http://bit.ly/1qOcwCM
Learning Personal Finance Lessons Your Parents Actually Skipped
Parents have a long list of lessons to teach their children, from tying a shoe to the purpose of a curfew. Perhaps money management didn’t make the cut in your childhood curriculum.
While almost three-quarters of parents (72%) feel that it is important to guide their children in such matters, about half (51%) aren’t actively involved in helping their kids learn to manage their finances, including spending, saving and investing, according to a study from MassMutual Financial Group. But sometimes learning comes from observing.
Learning the basics
As for lessons lost, they often involve the very basics of how money works.
“My parents never taught me how banks make money,” says Joshua Dziabiak, an entrepreneur in Austin, Texas. “I think this is a fundamental piece of understanding – how and where to house your money, how interest works and how this can either work for or against you.”
Nevertheless, Josh had an excellent opportunity to learn the ins and outs of personal finance while very young. He started his first web-design business at age 15 and sold it for $1 million before he turned 18, putting him among the first teenage “dot-com” millionaires. He went on to co-found TheZebra, a venture-backed online car insurance agency.
“Banks compete just like every other business,” Dziabiak says. “My parents, having inherited the same banking relationship that ran in our family for years, never explored other options and in doing so, probably cost themselves thousands of dollars. A good bank can empower you or your business with fair-lending practices, but it’s important to shop and understand how they make their money so you can really understand what to pay attention to. I had to learn this lesson on my own.”
Rudiments of real estate
But parents can’t teach what they don’t know – and forecasting a housing crash was clearly on no one’s radar a decade ago.
“I think the biggest piece of financial wisdom that my parents didn’t teach me that I had to learn for myself was that it’s okay to rent and not own,” says Iman Jalali, a marketing director in Chicago. “In their generation and state of the economy, it made sense to buy a house and watch your equity in it grow, but nowadays it doesn’t always make sense to buy. If I bought the house my parents wanted me to buy years ago, I would now be underwater in a mortgage.”
Gabrielle Knowlton, a writer in Sarasota, Florida, also learned a lesson about real estate that her parents never taught her: the reality of property investments.
“My parents never told me – because they probably never knew – that you can’t believe everything that wealth-building how-to books say,” Knowlton says. “I did, unfortunately.” The bad advice: “`Buy investment property, let the rents pay your mortgage while the property appreciates,’” she says. As a landlord, Knowlton has “real-life horror” stories including unpaid rent, tenants trashing her property and many other scenes she claims are straight out of the movie “Pacific Heights.”
“This mistake of owning houses I didn’t live in cost me not only most of my life savings, it also cost me almost a decade of my life,” Knowlton says.
Some lessons are taught by example
While parents may not dole out personal-finance lessons at the kitchen table, their kids still learn a lot from them, often by example.
“My father died four months before I was born and my mother never remarried,” recalls Samuella Becker, a public relations executive in New York City. “After my dad’s death, my mom ended up working as a secretary in a tire factory in Akron, Ohio, by day and going to college at night to be a teacher. Bills were always paid in full by the end of the month as she didn’t like debt. Like her dad, a Hungarian immigrant, she paid cash for her cars – which she held onto for at least 10 years – and our brick ranch home. But mutual funds, stocks and bonds and financial advisers were never part of her financial vocabulary”
While working for a Wall Street investment firm, Becker discovered there was more to personal-finance planning “than a savings account at my local bank,” she says. But the lesson she’s learned since is perhaps the most important – and poignant.
“My mom has lived for almost the past four years in assisted living, as she has Alzheimer’s; I’m her guardian,” Becker says. “Assisted living is expensive.”
“What I have now learned about personal finance is that getting old is scary from both a health and financial perspective,” she says. “Even when you think you’ve saved enough money and have tangible assets such as a home and car – it may not be enough.”
Becker says initially her mother’s pension covered the cost of assisted living – $3,200 a month. But as her mom became unable to self-medicate because of memory issues and began to need help with showers, getting dressed, and other essential activities, the charges rose. With annual increases for room and board, monthly costs soared to near $5,500. Becker estimates assisted-living expenses have surpassed $200,000.
“I’ve now put her house up for sale,” she says. “So what I have learned first-hand as a guardian for my mom is that you can never have too much money saved for old age. I only pray that I can keep her in the same comfort [for] the rest of her life – and earn enough money to contribute to her continued care.”
Some lessons left untaught are still learned.
Finance lessons cartoon via Shutterstock
Source Article http://ift.tt/1y39EC7
Should I Pay Off My Credit Card or Invest in Stocks?
Let’s say you have been carrying balances on your credit cards to the tune of $30,000. Then you get a windfall amounting to $30,000. Do you pay off your credit card or invest in stocks?
The answer is that it is almost always better to pay off your credit card than invest in stocks
Stock investing returns
When you buy stock through a brokerage, you are buying a tiny ownership percentage in a company. If the stock rises, your investment is worth more. So if you buy 1000 shares of Bob’s Widgets Inc. at $30 per share, and one year later it is at $36, you have made a 20% return on your stock investment.
You may even receive a dividend payment for owning the stock, which might run from 0.5% to even 10% or more, depending on the stock.
But all this comes with risk. You do not know if the stock will go up or down. You don’t know if you will make money or lose money.
Credit card payoff return
If you pay off your credit card and not invest in stocks, you will get a guaranteed return on that money, equal to the card’s interest APR. That’s because every dollar you use to pay down the outstanding balance results in an interest savings, which is considered a return on your investment.
So if you are carrying $30,000 in credit card balances and paying 14% APR, then you are effectively earning 14% on your money, because that is what you save in interest.
Opportunity cost
Some savvy readers may ask, “Wait a second. If I pay off the credit card and not invest in stocks, aren’t I giving up a possible return in stocks, since I could be using that money to invest?” Yes, you are. That is called “opportunity cost.” However, you don’t know the exact opportunity cost of not investing because, well, you didn’t invest!
The only way to measure opportunity cost is to either invest in something where the principal doesn’t change but you get paid a fixed dividend or interest (usually bonds, or preferred stocks), or if you name a specific investment you would have used the money for and checked to see how it performed one year later.
Tax implications
There’s a tax issue that also makes it better to pay off your credit card instead of investing in stocks. If you make money on stocks, one day you are likely to sell those investments and owe capital gains tax, which can run anywhere from 15% to 40%. The same goes for dividends.
So that reduces your overall return. A 20% stock return may end up only being 12% to 17%, after taxes.
Paying off a credit card, however, incurs no tax liability.
Exceptions?
There’s really only one exception to this rule, and even that is dicey, and only undertaken by very savvy investors.
Most APRs are going to be over 10%, and as high as 25%. You are very unlikely to get an after-tax return that high to make the stock investment worthwhile.
However, if your APR is incredibly low — say, 0% to 4% — then there are certain bonds, exchange-traded debt, and preferred stocks where your principal isn’t going to fluctuate much, but you can earn 7% on up to 10% on your money, pre-tax.
That might result in a small profit.
Still, the total amount you make isn’t going to be that much and likely is not worth the risk.
Bull and bear image via Shutterstock
Source Article http://ift.tt/1y39EC7
Should I Pay Off My Credit Card or Invest in Stocks?
Let’s say you have been carrying balances on your credit cards to the tune of $30,000. Then you get a windfall amounting to $30,000. Do you pay off your credit card or invest in stocks?
The answer is that it is almost always better to pay off your credit card than invest in stocks
Stock investing returns
When you buy stock through a brokerage, you are buying a tiny ownership percentage in a company. If the stock rises, your investment is worth more. So if you buy 1000 shares of Bob’s Widgets Inc. at $30 per share, and one year later it is at $36, you have made a 20% return on your stock investment.
You may even receive a dividend payment for owning the stock, which might run from 0.5% to even 10% or more, depending on the stock.
But all this comes with risk. You do not know if the stock will go up or down. You don’t know if you will make money or lose money.
Credit card payoff return
If you pay off your credit card and not invest in stocks, you will get a guaranteed return on that money, equal to the card’s interest APR. That’s because every dollar you use to pay down the outstanding balance results in an interest savings, which is considered a return on your investment.
So if you are carrying $30,000 in credit card balances and paying 14% APR, then you are effectively earning 14% on your money, because that is what you save in interest.
Opportunity cost
Some savvy readers may ask, “Wait a second. If I pay off the credit card and not invest in stocks, aren’t I giving up a possible return in stocks, since I could be using that money to invest?” Yes, you are. That is called “opportunity cost.” However, you don’t know the exact opportunity cost of not investing because, well, you didn’t invest!
The only way to measure opportunity cost is to either invest in something where the principal doesn’t change but you get paid a fixed dividend or interest (usually bonds, or preferred stocks), or if you name a specific investment you would have used the money for and checked to see how it performed one year later.
Tax implications
There’s a tax issue that also makes it better to pay off your credit card instead of investing in stocks. If you make money on stocks, one day you are likely to sell those investments and owe capital gains tax, which can run anywhere from 15% to 40%. The same goes for dividends.
So that reduces your overall return. A 20% stock return may end up only being 12% to 17%, after taxes.
Paying off a credit card, however, incurs no tax liability.
Exceptions?
There’s really only one exception to this rule, and even that is dicey, and only undertaken by very savvy investors.
Most APRs are going to be over 10%, and as high as 25%. You are very unlikely to get an after-tax return that high to make the stock investment worthwhile.
However, if your APR is incredibly low — say, 0% to 4% — then there are certain bonds, exchange-traded debt, and preferred stocks where your principal isn’t going to fluctuate much, but you can earn 7% on up to 10% on your money, pre-tax.
That might result in a small profit.
Still, the total amount you make isn’t going to be that much and likely is not worth the risk.
Bull and bear image via Shutterstock
Source Article :http://bit.ly/1uLFtB6
