Saturday, March 31, 2012

Value Investing With Currency Risk | iStockAnalyst.com


To get the most out of the possibilities offered by value investing, investors should be prepared to buy outside of their home countries. For example, the natural disaster in Japan last year likely caused the prices of some securities to fall undeservedly from the viewpoint of the long-term investor. (Today, some areas of Europe may be in the same position due to less natural disasters.) But a major concern of international investors is currency risk. Long-term value investors situated in developed countries, however, shouldn't worry about it.

In the short-term, the demand for one currency over another can fluctuate as a result of numerous factors, including interest rate differentials, inflation expectations, and economic growth expectations. Currency speculators also seek to predict these and other factors, resulting in rather unpredictable demand shifts for various currencies over short periods of time.

But over the long-term, the strength in a nation's currency is generally governed by the productivity of its citizens. But the productivity in developed, capitalist nations is relatively stable and correlated. This is because advances by businesses in one country can be purchased and/or copied freely in other countries. (E.g. The PC is widely used as a productivity tool in all developed countries. Imagine how productivity would vary across developed countries if only one country had it!)

Consider how this has played out historically by considering a comparison between the US and the Canadian dollars. These two countries are open to trade and are capitalist societies. In 1948 (which is as far back as this table goes), one US dollar got you 1.003 Canadian dollars. Today, one US dollar gets you .99 Canadian dollars, for a difference of 1% over 50 years. Yes, over shorter time periods there have been wild swings in the exchanges rates. But over the course of your investing lifetime, the impact of these swings should be muted.

As an example, consider an investor whose investing career is 40 years long. Even a sharp currency adjustment of 50% over this period translates to only about 1% per year. To hedge a currency position for just one year, you would often pay transaction costs that are higher than this! Clearly, the selection of the right securities over time is worth far more than the currency movements, for those with a long-term perspective. Of course, implicit in this argument is an assumption that the two countries will remain capitalist.

Unfortunately, this line of thought breaks down when developing country currencies are involved. The productivity of developing countries is lower than that of developed countries. For this reason, one may expect the currencies of developing countries to appreciate over time as they play catch-up (by adopting some of the processes developed countries already practice). On the other hand, the catch-up process is not without risk, as developing countries are more prone to events that can result in economic catastrophe and/or inflation (which results in a depreciation of currency).

Depending on the long-term investor's goals and outlook, he may prefer a hedging strategy when there is such uncertainty. But when dealing with developed economies where one expects capitalistic and free-trade policies to continue, the costs of hedging appear to outweigh any adverse results that may occur from currency effects.

The Brandes Institute takes a closer statistical look at the subject here.

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Health and Fitness Is A Choice Just As Sickness and Disease Is A ...

After 25 years of research studying the affects lifestyle and diet on the pH of the blood, I have learned that the human organism is alkaline by design and acidic in all of its functions. If one can maintain the delicate alkaline pH of all the body fluids bathing every cell from within and from without at 7.365 then life will continue without pain, suffering, sickness or disease.

Louis Pasteur?s germ theory has become a curse. Antoine BeChamp an adversary to Pasteur and his germ theory for scientific fraud said this about the germ theory, "there is nothing so false that does not contain some element of truth, and so it is with the germ theory." The germ theory is the controlling medical idea for the world. In Pasteur?s day, and ever since, othdr proposed theories about the cause of disease have fallen on death ear because they have tended to contradict that paradigm. NO matter how simple and logical an idea about the cause of disease, if it does not promote the concept of invasion of germs and their specific cures it does not fit into the medical paradigm.

More importantly, the germ theory has become a curse because it has encouraged individuals to give up responsibility for their own health over to the medical community. If germs cause disease it stands to reason that control belongs to the medical community whose tireless researchers spend trillions of our money to find the right pill or potion to annihilate disease-causing germs.

This quest to cure disease through medication is at the heart of modern allopathic medicine and the multi-trillion dollar pharmaceutical industry. It is a quest that persists despite evidence indicating that airborne germs do not cause the disease for which they are credited.

After more than a century of trying, the Pasteurian germ theory has utterly failed in the quest to a cure for any disease. All major degenerative diseases are on the increase, as are so called infectious diseases which are not infectious at all. Every year, old symptoms are given new names ? names like MS for polio, AIDS for poor sanitation, poor nutrition, poor lifestyle choices and drug use, Epstein-Barr virus for connective tissue disorders like fibramyalgia ? to make them appear to be the work of a new germ. Unless we turn this nonsense around, the human race could become extinct like the dinosaurs from the treatments of modern medicine to kill a non- threatening or phantom germ.

If we want to find the cure for disease we need only to look at our dietary and lifestyle choices. If you heed the ignored, even rejected discoveries of Pasteur?s peers and scientists of the 19th and 20th century, adding those to my own disboveries, you will learn the true cause of disease.

Until the medical community starts looking at causes rather than devoting its time looking for cures, and until we start taking responsibility for our own lifestyle and dietary choices, I believe the human race is in trouble of becoming extinct.

Dr. Benjamin Rush, Physician and signer of the Declaration of Independence, 1776 said this: "Unless we put medical freedom into the Constitution, the time will come when medicine will organize itself into an undercover dictatorship, To restrict the art of healing to one class of men and deny equal privileges to others will constitute the bastille of medical science. All such laws are un-American and despotic."

Where does life begin? In the womb or the grail, the holy grail, in the amniotic fluid, in a 98.6 F, one percent water and salt solution or 1 part salt to 100 parts water. This solution is called the sol. This natural salt solution, called "sol" is from the origin of the word, directly connected to the word "soul". What we call "sol" for our salt solution (a solution of two in one- no more polarity), was believed by the ancient Celtics to represent our soul, as the soul originated, in their belief, from the ocean where we are all born from the same fluids, arising from the same "sol" a solution of salt and water.

Our body in its wholeness is an ingenious creation of nature, It has been given all mechanisms to not only sustain its life but also to create new life. Every healthy person has innate regulatory mechanisms to maintain its alkaline design and self-healing powers, which ensure or reestablish the natural balance of the bodily functions, the homeostasis. It is not the doctor that heals us, nor the medication, but our own innate alkaline regulatory mechanisms. Our body is able to fully regenerate itself. Therefore, it is advised to use great discernment before labeling any disease as "incurable" or "untreatable." If doctors come to the conclusion that a disease in incurable, they would be more accurate in saying that with their knowledge and experience, they are not able to offer any further help. The word "incurable" conveys fear, or false evidence appearing real, which stifles and weakens our body?s innate alkaline mechanism.

Bio-chemically speaking Health is all about alkaline balance. Bio-energetically speaking Health is all about energy. Vibrating energy is the origin of matter and the origin of life. And matter is nothing more than organized energy.

In 1984, the Swiss physicist Dr. Carlos Rubbia, received the Nobel prize for discovering a mathematically calculable natural constant with which he could calculate the ratio of mass particles (matter) in relation to navigating energy particles, The ratio of matter to energy that forms matter is 1 to 9,746 to the power of 108 or about 1 to 1,000,000,000 which means it takes one billion energy units to create one single unit of matter in a materialized tangible form. Isn?t interesting that we for the most part, preoccupy ourselves with only 1 billionth part of reality: that which is in a material form and can be seen and touched. We fail to see the far greater amount of energy particles it took to materialize our reality. This revolutionary scientific discovery shows us clearly that every form of matter is subject to higher energetic interactions and subject to change of form and function.

When we analyze the energy content of any form of matter, we arrive at its smallest part, the atom and its protons, electrons and neutrons. There is ongoing movement without any contact- nothing tangible, just pure vibrating energy. This vibrating energy creates a frequency, which can be measured, a so-called wave length which can be seen using my photon interference photography. Every form of matter is characterized as a specific frequency spectrum. And each frequency spectrum can be measured using a decibel meter. All organized matter is nothing more than organized energy that gives off a specific frequency and a specific sound which can be measured and heard. When we turn on a light or an electrical device we can see the energy but we cannot perceive the electrical current itself, but we except its existence. This same materially non-perceivable electricity, this energy, flows through our body fluids especially our blood. Every one of us has enough measurable electrical current flowing through us to light up a 100 watt light bulb.

Life/light = energy and energy = information or intelligence. Everything that exists not only exists as energy but also as a carrier of information or intelligence, whether it is a human being, a form of food or drink, or a rock. Life is a constant exchange of energy and intelligence and the best place to view this life energy is in the live and dried blood.

Plasma which is 92% water is a good example for showing how matter as energy is transformed when additional energy is added or subtracted. Water has three different distinct bodies or states: solid, liquid and gaseous. Ice is frozen water or like the thickening of the blood. We can see it and feel its coolness. By adding energy in the form of heat to the ice it transforms back into a liquid. When we add more energy to the water it begins to boil and the molecules start moving faster and faster that they begin to transform into steam and become gaseous. This transformation of organized energy as matter from one form to another is know as biological or energetical transformation or also referred to as pleomorphism.

Energy and intelligence are identical.

Every form of energy has a specific wavelength

Every wavelength has its individual content of intelligence

There are no accidents in the order of Nature

Meanwhile, we know of about 40,000 different diseases and the list is growing that are treated by the 1,200 different allopathic specialty fields with 58,000 different kinds of allopathic preparations or medicines. However, the word diseases in the plural form, is not a accurate. Have you ever heard of "healths"? We are either healthy or ill. This illness signals a lack of energy and shows up in the form of a symptom. To represent a symptom as an illness is technically and scientifically inaccurate. The symptom is merely the intelligent cry of the energetically defective and suffering body, crying out for help. And normally, the body turns to a weakened organ to give us a hint, through a symptom, that things are not in order.

Our bodies either hum or honk Upset stomachs or high blood pressure or high blood sugars is the body honking. The honks of our bodies are telling us there is a state of pH or energetic imbalance.

Why does pH balance or pH Homeostasis define good health?

pH balance or pH homeostasis in humans commonly refers to the internal balance of the body?s electro-magnetic and chemical systems in response to the changing conditions of the external world and the changing conditions of the internal world. The word homeostasis comes from the Greek words: "homeo" means similar or "alki" or "alkaline" and "stasis" means a tendency toward maintaining stability. There are many homoeostatic mechanisms in our bodies that help maintain this balance and our state of health is directly related to the health of these mechanisms. pH homeostasis is maintained by dynamic processes of feedback and regulation. pH homeostasis has only one objective: to preserve the beneficial conditions of life in the internal alkali environment. Every day we are bombarded with external influences that threaten that balanced internal alkaline pH environment. Some of these threats include becoming too hot or too cold, eating too much or eating acidic foods or drinks, breathing polluted air and being exposed to chemicals over a period of time.

Our cells, especially the red blood cells can only survive when our bodies are strong enough to maintain pH homeostasis or to regain it quickly after we have been exposed to toxic environmental threats. Some of the pH homoeostatic mechanisms in the body include temperature regulation, dilation of the eye, blood composition, heart rate, blood pressure, water content, blood sugar level, mineral relationships, and of course the acid/alkaline balance of our body fluids. An essential feature of these mechanisms is that they enable the red blood cells, the tissue which is a product of the red blood cells and the whole of the organism, also a product of blood, to adapt to changes in both internal and external environmental conditions. If the pH homoeostatic mechanisms are impaired the body loses its ability to regulate these mechanisms. By looking at living blood using a compound microscope we can view the quality of the red blood cell, its environment and how well the body is managing these pH homoeostatic mechanisms. The interdependence and close coordination of the many bodily functions, which work so well when we are in alkaline balance or health, may be upset by a chain reaction when any part of the system breaks down from metabolic acids which have not been properly eliminated through, respiration, perspiration or urination. If this chain reaction is too drastic, the red blood cells and body cells will become acidic and begin to biologically transform into other cellular forms ? like bacteria or yeast.

The normal state of health is not a static condition, but a coordination response of many systems and mechanisms. Fluctuations occur within a very narrow pH range. An imbalance of a point or two on the acid/alkaline pH scale is extremely disruptive to health. A few percentiles of variation of oxygen concentration in the blood can impair function. In the bloodstream, the slightest changes can be observed in the structures of the red and white blood cells, the level of cellular debris, the creation of cholesterol or calcium crystals, etc. If the blood sugar content is continually elevated due to body cell transformation or breakdown, the body chemistry becomes upset. An infinitesimal deficiency of sodium, calcium, potassium or magnesium, the alkaline buffers of the body can cause a problem in the function of many body parts.

We must keep our pH homoeostatic mechanism strong so that we can deal effectively with our world. If we are humming and the process of pH homeostasis is orderly, life continues; if we are honking and m pH homeostasis is continually being disrupted, our health is in jeopardy.

pH Homeostasis is a bit like balancing the books in accounting. It si maintained by balancing inputs with outputs.

How well we adapt in health and sickness is largely a function of the pH homoeostatic mechanism. The body?s chemistry response to such subtle changes that a negative thought, an acidic food or drink, or eating too much food can be a problem for maintaining balance.

In 1988 an article of the New England Journal of Medicine stated that, "most major chronic disease probably results from the accumulation of environmental factors over time in genetically susceptible people."

In 1965, Rene Dubos, a medical historian and philosopher, pointed out that the body is imperfect in its attempts to adapt and maintain pH homeostasis. She said, "the mechanisms involved in regulating homeostasis don not always return the body?s functions to their original state. They can be misdirected. The body only has the ability to adapt to insults for so long. When it can no longer adapt , degeneration sets in. Health is the state that the body attains when an individual responds adaptively and restores the body to its original integrity."

The term "homeostasis" was coined in the mid-1920's by the American physiologist, Walter B. Cannon. But he was building on a concept of balance that dated back to ancient Western, Eastern, and Middle Eastern civilizations.

The balance equals good health equation was first suggested by Hippocrates (460-375 BC) and the ancient Greeks. Hippocrates considered health to be a state of harmonious balance and disease a state of disharmony. He and his contemporaries believed that harmony and balance existed between organs, between bodily fluids, and between body and soul. When the body is out of harmony and balance, illness occurs.

Hippocrates studied the entire patient in his or her environment, noting the effects of climate, food, and occupation on health. "Our natures are the physicians of our diseases, " he said, describing the healing forces we all have within us as the healing power of Nature. It was the physician?s objective to restore harmony with food, exercise, rest, and with medicinal remedies designed to remove the harmful acidic excesses. This conservative approach was designed to let nature do the healing and above all, as Hippocrates said, "to first do no harm."

The Greeks ideas on equilibrium and health evolved further under the philosopher Aristotle (384-322 BC). He felt that a healthy body worked through what he described as a hemostat, a device that returns the body to a state of equilibrium even when it is subjected to stimuli that disturbs this balance. Everything is tied to this state of equilibrium, including the psyche and emotions, and nothing could be regarded as a separate component. To lead a healthy life, the condition of balance had to be maintained, This could only be achieved if the body had an adequate feedback system, a means by which signals were transmitted to different parts of the body to help move it back into balance when it moved too far off alkaline center.

This psychological viewpoint was shared by another philosopher, Epicurus (341-270 BC). In his writing he referred to psychological stress and suggested that an individual?s quality of life could be improved by coping with what we would now describe as emotional stressors.

As early as about 120 AD in India, Eastern philosophers had reached similar ideas about the importance of balance in health. A general medical textbook from that time, the Caraks, described health as a balance of bodily elements know as dhatus, and a happy mental state called prasana.

The Middle Eastern approach incorporated the Hindu teachings with the Greco-Roman medical doctrine. Being base upon both religious and philosophical ideas, Islamic healing involved both body and soul.

Over 1000 years later, during the Middle Ages in Europe, good health was still linked to this notion of balanced physical, emotional, and spiritual state. To help people achieve this state, European hospitals were set up by religious orders and attached to abbeys, monasteries, and convents. Doctors prescribed diet, rest, sleep, exercise, and salt baths.

In 1600 Thomas Sydenham had begun classifying diseases, even though he believed disease was a result of imbalance, consistent with Hippocrates and Galen.

In 1628 Harvey traced the circulation of the blood, arguably perhaps the single greatest achievement in medicine.

In 1753 James Lind showed that Scurvy could be reversed with the limes that contain limonene - an antitoxic or antacid.

Doctors began to lose their way in 1796. In 1796 Benjamin Rush observed that all fevers were associated with flushed skin, he concluded that this was caused by distended capillaries and reasoned that the proximate cause of fever must be abnormal "convulsive action" in these vessels. He took this a step further and conclude that all fevers resulted from disturbances of capillaries and since the capillaries were part of the circulatory system, he concluded that a hypertension of the entire circulatory system was involved. Rush proposed to reduce this convulsive action by "depletion" or bleeding. A reminder that the medical establishment?s acceptance of bleeding exists today in the name of the

British Journal "The Lancet" one of the leading medical journals in the world. Today bleeding is called phlebotomy.

Also, In 1796 Edward Jenner took the pus from the runny sores of sick cows and injected it into the blood of his "patients. He thought that since pus is seen routinely in all kinds of wounds, pus was seen as a necessary part of healing.

In 1788 vaccinia was the bacteria that medical science suggested caused cowpox.

In 1830 the development of the first modern day achromatic microscope.

In 1835, Harvard?s Jacob Bigelow argued in a major address that in "the unbiased opinion of most medical men of sound judgement and long experience . . . the amount of death and disaster in the world would be less, if all disease were left to itself."

In 1840 Jacob Henle in his essay, "On Miasmata and Contagia" first formulated the modern germ theory. He suggested that disease seem to germinate, grow and spread ? like a first point or origin, a seed, a bacterium. The germ theory said that minute living organism invade the body, multiply and cause disease and that a specific germ causes a specific disease.

In 1850 Samule Thomson said, " May the time soon come when men and women will become their own priest, physicians and lawyers ? when self-government, equal rights and moral philosophy will take the place of all popular crafts of every description . . False theory and hypothesis constitute nearly the whole art of medicine."

In 1860 Louis Pasteur suggested that living organisms, not a chemical chain reaction caused fermentation, winning converts to the germ theory.

In 1881 an American scientist George Sternberg was the first to isolate the fungus, pneumococcus and the first to observe the white blood cells engulfing bacteria, a key to understanding the immune system.

In 1882 a German, Robert Koch isolated the tubercle bacillus and declared it as the bacterium that caused tuberculosis that further confirmed the germ theory of Pasteur.

In 1884, German scientist Friedrich Loeffler isolated the diphtheria bacillus from throats of patients, grew it on a special medium (labs today call this Loeffler?s serum slope to grow the bacteria from suspected cases), and began carful experiments in animals that took several years. His work suggested that the bacteria themselves did not kill; the danger came from a toxin, diptherium, an acidic poison that the bacteria excreted as a waste product from sugar metabolism.

In 1885 Max von Pettenkofer insisted that Koch?s bacteria were only one of many factors in the causation of disease. His dispute with Koch became increasingly bitter and passionate. Petterkofer determined to prove himself right, prepared test tubes thick with lethal cholera bacteria. Then he and several of his students drank them down. All survived. Petterkofer claimed victory that germs do not cause disease.

In 1889 Pasteur?s proteges, Emile Roux and Alexandre Yersin grew broth thick with diphtheria bacteria and used compressed air to force broth through a filter of unglazed porcelain. The filter was designed by Charles Chamber land, a physicist working with Pasteur; though only a tool, the filter itself would prove to be immensely important. NO bacteria or solids could pass through the porcelain. Only liquid could. They then sterilized this liquid. It still killed. That proved that bacteria, an insoluble could not kill, but a soluble, an acidic toxin did the KILLING.

The cure from diphtheria was not in killing the bacteria but neutralizing the acids or excretions from the bacteria.

In 1900 Frederick Gates and intellect and Baptist Minister and an assistant to John D. Rockefeller, saw an opportunity to exploit the medical field because of its admitted uncertainty and ignorance of the time. He had organized many business ventures for the Rockfellers? and convinced John D Rockefeller to open the Rockefeller Institute for Medical Research. The Rockefeller Institute saw medicine itself as its field from its earliest existence scientists studying disease based upon the germ theory of Pasteur.

In 1901, William Henry Welch was hired by John D. Rockefeller to set up the Rockefeller Institute for Medical Research. William Henry Welch was steeped in the germ theory and established its strong hold on the medical model. You might call Dr. Welch the Father of American Medicine and the perpetrator of the Pasteurian Germ Theory.

After the civil war medicine had discovered drugs ? such as quinine, digitalis and opium of which Oliver Wendell Homes the physician Father of the Supreme Court justice said, "I firmly believe that if the whole materia medica, as now used, could be sunk to the bottom fo the sea, it would be all the better for mankind ? and all the worse for the fishes."

In 1911, the head of the school training French army doctors in public health said that germs alone were "powerless to create an epidemic." But it was too late, this particular view was now considered simply a minority opinion. The germ theory now had its hold on the governments of the world!

In 1911, the medical establishments made up a story that Peyton Rous discovered a bacteria that caused cancer and received a Noble Prize for his discovery posthumous in 1966. This gave rise to the term virus named after Peyton Rous?s bacteria. Peyton Rous never suggested this in any of his research that his bacteria caused disease let alone cancer. This story gave rise to a new group of bacteria called filterable bacteria that the medical community now refers to as virus - beginning 1996. There is NO scientific evidence that shows that virus?s have ever caused ANY disease.

These ideas of balance were some distance from those of earlier societies that ascribed illness to the supernatural powers they believed governed their lives. The Babylonians, the Egyptians, the ancient Americans saw disease as an entity unto itself, a potent demon that struggled to dominate, attacked, penetrated, and possibly even killed its unfortunate host.

Offend the Gods, an ancestor, or an evil witch and be struck down as punishment. Lead a sinful life and you were tempting fate.

Of course, we perceive that these ideas about disease are no longer widely believed, which makes it all more the ironic that Pasteur?s germ theory has had and still has a stranglehold on 19th, 20th and now 21st century medicine. As medical writer Alberto Seguin described in an article entitled, "The Concept of Disease," the demonic idea of disdase reached its full height with the germ theory. It became possible to bring together rational and scientific thought with irrational tendency to personalize disease. The germ in what ever name it is called, West Nile Virus, Ebola, Hunta, HIV, Anthrax, SARS and now AVIAN, are the scientific demon, the curse, the lie and the fraud that is said to attack and kill!

If we will consider disease as a symptom of disease not the cause, then the germ is nothing more than an expression of imbalance and a biological transformation of what use to be organized to that which is changing into a new form. This was my discovery in 1994. I witnessed biological transformation as seen on pg. 126 of my book "Sick and Tired" the transformation of a rod bacteria back into a red blood cell and then back into a bacterial rod. I knew for the first time that bacteria was not a demon, not an entity but a transformation, a new formation of a preceding form. Not the cause of disease but the expression of a change in the internal environment which had given rise to change. For several years I felt alone in this discovery until I learned of the works of the giants that proceeded me that had their finger on the magic of life.

Claude Bernard (1813-1878) "The terrain is everything the germ is nothing." And upon the death bed of Louis Pasteur admitting to Claude Bernard that he was right in 1895.

Antoine BeChamp (1816-1908) "Disease is born in us and from us."

Florence Nightingale - ` famous nurse (1820 -1910)

Mathias Schleiden and Theodor Schwann (1839)

Gunther Enderlein ((1872- 1968)

Walter B. Cannon (1871-1945) "Only by understanding the wisdom of the body shall we attain the mastery of disease and pain that will enable us to relieve the burden of the people."

Royal Raymond Rife (1888-1971)

Wilhelm Reich (1897 - 1957)

Gaston Naessans (1924-2005)

Philosophically speaking, Pasteur had an ally in Napoleon III, who came to power in 1852. The Emperor believed in a police state and in using complete control to rule. Pasteur?s mechanistic idea of disease, finding the right cure for each germ, fit into this philosophy of control.

Giving the responsibility to the any government to cure disease is giving up control. It takes responsibility ? and power ? away from the individual. In the words of Antoine BeChamp, "there is nothing so false that does not contain some element of truth and so it is with the germ theory."

One of six of us will become diabetic

One of three of us will develop cancer

One of two of us will develop cardiovascular disease

One of six couples will suffer from unexplained infertility.

One of seven women in the US will develop breast cancer.

We need to get out to the disease business. If we want to understand health, energy and vitality then we need to study the people who are healthy. Over the last 25 years I have been studying health and how it relates to the blood. Viewing live and dried blood is the pinnacle of understanding health and how to achieve health with alkaline foods, drinks, exercise, breathing, getting adequate rest, etc.

Now, I pray and hope that you will realize that we are all responsible for our own health ? you alone. A medical practitioner can only help to relieve symptoms. Ultimately, you are the one who has to take charge. Health is a choice just as disease is a choice. You are responsible for what goes into your mouth and what comes out of your mouth, as well as for what you think, feel and do. Health is all about choices and consequences.

The health and energy of the human organism is the knowledge that are bodies are alkaline by design and acidic by function and the best way to maintain that alkaline design is through an alkaline lifestyle and diet.

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Friday, March 30, 2012

Mega Millions jackpot hits $540 million, still rising

Seven-time Florida lottery winner, Richard Lustig offers tips to winning the $500 million dollar jackpot.

By msnbc.com staff and news services

The Mega Millions lottery hit $540 million on Thursday, and people endured long lines for a chance at winning the hefty jackpot ? an amount that could rise as more tickets are sold for Friday?s drawing.

?I have never seen so many people inside one store,? Jessie Rae Vaglivielo, a clerk at Hallelujah Junction, a one-stop gas and convenience store?in Honey Lake, Calif., near the Nevada border, told msnbc.com on Thursday. It was the California woman?s fifth day on the job and she didn?t have time to talk -- she was selling tickets to dozens of people who had lined up.


Vaglivielo laughed when asked if she was going to buy a ticket. "No, I don't play," she said, adding "but there are a lot of people here who do, and I gotta go."

Nobody matched all six numbers in Tuesday's regular draw, and the total jackpot has been growing since. With a $540 million total, the lump sum payment is estimated at $389.8 million, according to lottery officials.

Mega Millions is is played in 42 states, plus Washington, D.C. and the U.S. Virgin Islands.

Players pay $1 for a ticket and must pick five numbers from 1 to 56 plus a Mega number from 1 to 46 to win the jackpot. The odds of winning are 1 in about 176 million, according to the official Mega Millions website.

The largest Mega Millions jackpot ever won was $390 million in March 2007, when the prize was split between two tickets sold in Georgia and New Jersey.

The pot has grown massively since the last winner on Jan. 24?won $72 million.

This story includes reporting by msnbc.com's Sevil Omer and the Associated Press.

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Source: http://usnews.msnbc.msn.com/_news/2012/03/29/10923500-mega-millions-jackpot-hits-540-million-and-could-go-higher

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Thursday, March 29, 2012

When getting out a financial loan you have to take into account the ...

It would seem that a bad credit score score is enough to assure obtaining huge particular loans is fantasy instead than reality. Although the actuality is the fact it truly is doable to acquire even a $10,000 private financial loan with negative credit history.

The rationale why this is the case is that every loan provider is fascinated in a single factor: receiving their money back again, with fascination. After all, individual financial loans are generally viewed as challenges.

The excellent news is the fact that you can find quite a few things that is often done to considerably raise that amount of self esteem for the lender. So, by way of these actions, your odds of obtaining financial loan approval in spite of negative credit rating are greatly improved.

Offer you the Loan company Safety

The easiest way to safe a $10,000 personalized mortgage with undesirable credit rating is usually to offer you some security for the loan company. This fundamentally implies giving some collateral that is of equal benefit to the amount sought ? $10,000.

The chief advantage to supplying collateral is the individual personal loan becomes a secured personal loan, and for that reason a reduced rate of interest is used. So, the month-to-month repayments are reduced plus much more manageable.

Needless to say, the unfavorable level to keep in mind is that through the use of collateral to have personal loan approval in spite of terrible credit score, the actual item is in danger. Ought to there at any time be considered a dilemma with creating repayments, then it will become the home with the financial institution.

Incorporate a Cosigner

The trouble with collateral is the fact that not absolutely everyone incorporates an one product well worth sufficient to protected a $10,000 particular bank loan with undesirable credit. But a cosigner removes that challenge.

A cosigner commits to creating the required repayments really should the borrower fail to, which aids to convince loan companies of private financial loans which they will get their cash again.

Nonetheless, the cosigner also wants to become approved through the lender in advance of there might be any possibility of receiving financial loan approval in spite of undesirable credit history. The perfect applicant may have a great credit history history and adequate cash flow to be capable to make the repayments ought to the necessity crop up.

Split the Bank loan Sum

A 3rd alternative will be to divide precisely what is needed right into a number of small personal loans. Obtaining a $10,000 personalized loan with bad credit score will probably be extremely tricky, but smaller financial loans of most likely $2,000 or $3,000 may be secured significantly much more quickly ? generally without having credit history check out truly utilized.

But there are many aspects to remember when acquiring 4 or 5 smaller personalized loans. For starters, every loan stands by yourself, which implies that each financial institution will probably apply pressure to acquire repayments built in time.

Also, it?s important to try and do your calculations properly. 5 financial loans of $2,000 each and every might have 5 diverse rates of fascination. This might indicate that the overall curiosity repayments tend to be more than it might be on a single $10,000 bank loan. Naturally, to protected personal loan approval regardless of negative credit rating the additional price might must be approved.

Repayment schedules on every single bank loan can also be significant. A single $10,000 personal loan with poor credit history is going to be structured only, but acquiring many financial loans from different lenders means agreeing different schedules. A $1,five hundred cash advance, by way of example, might should be repaid in 30 days, though a $3,000 personal mortgage might have a 90-day deadline.

Generally occasions it would not make any difference how nicely you intend out your excavation challenge, you find you run right into a shortage of products available to manage requirements without working more than some time allocated. You then should make the choice ? lease that which you need or go ahead and buy new tools.

It is not always a clear lower determination to create so let us just take a glance in a couple of aspects which will arrive into engage in.

Expenditures of Renting Excavation Equipment.

With out doubt, rental corporations rub their hands with glee especially for costly large machinery employ. A lot of them will rent the excavation products for you on an every day or weekly foundation which may show for being an incredibly costly alternative, especially if the undertaking is even more held up resulting from other aspects likewise.

Renting excavation tools and off highway dump trucks frequently catch the attention of the highest rental costs within the weighty machinery market. You may be hunting in a price tag choice of as much as $18,000 a month not like any attachments or buckets you would possibly will need. This may be inside your funds should your organization is significant and profitable and the task is huge adequate but could demonstrate to get over and above attain to some significantly less founded business. If you are undecided in which the subsequent large jobs are coming from then renting tools would be a wiser final decision than acquiring. You won?t possess the devices nevertheless it is best than acquiring it sitting down close to unused. You won?t have the fret either of having to repair it if it breaks down ? the rental hire firm will take on that obligation.

What exactly Regarding the Alternative Of Getting Excavation Devices?

In case you are thinking which the equipment you need will be needed for even more initiatives, it makes sense to seriously think about acquiring the excavation gear you require alternatively than renting it, in particular in the event you have numerous bigger jobs about the calendar.

Certainly, using this type of solution you can be liable for the typical service, routine maintenance and fix with the excavation products you purchase. But acquiring what you need to have will most certainly save you dollars ultimately if you do have all those even more large tasks while in the pipeline.

In the long run the choice is yours on whether or not you purchase or rent but needless to say you must take into consideration your finances thoroughly and make the most effective determination for your corporation. When you genuinely don?t have the finances or money to acquire everything you want, renting will be the best choice naturally.

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Source: http://www.webarticlestacks.com/finance-2/when-getting-out-a-financial-loan-you-have-to-take-into-account-the-best-way-to-place-in-collaterol-to-be-able-to-obtain-the-very-best-bank-loan/

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Video: Does Market Rally Have Legs?

Stocks are showing strong gains this year. But does the rally have legs? David Donabedian, Atlantic Trust, weighs in.

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Source: http://video.msnbc.msn.com/cnbc/46870410/

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Thursday, March 22, 2012

Joseph Gordon-Levitt: 'Looper' Makes You Think

By Matt Goodhue If you were to describe the plot of "Looper" to somebody, they would probably start scratching their heads. Time travel, mixed with some mobsters, blended with a self-identity crisis - it appears a bit tough to wrap your head around. But, throw in Joseph Gordon-Levitt, Bruce Willis, and director Rian Johnson ("The [...]

Source: http://moviesblog.mtv.com/2012/03/21/joseph-gordon-levitt-looper-interview/

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Wednesday, March 21, 2012

McMillan Supports Calls for better prostate cancer care


After a wide-ranging consultation with people affected by prostate cancer, The Prostate Cancer Charity has compiled a draft set of standards that set out what good quality care looks like.? The Charity is calling on men who have been affected by prostate cancer and their partners, as well as healthcare professionals, to provide feedback on the draft to ensure it accurately reflects the needs of men.


Once finalised, The Prostate Cancer Charity will be asking the Scottish Government to implement the standards across the country, to ensure that men will have the same expectations of care wherever they live.


Mr. McMillan said;


"Prostate cancer is the most common cancer in men in Scotland, which is why I believe it?s essential we know exactly what people affected by the disease require and expect from our health service.


"I am therefore delighted to back calls for national standards of care, and would urge anyone with direct or indirect experience of the disease to feed back on The Prostate Cancer Charity?s draft document. Men everywhere deserve quality prostate cancer care, and delivering that is what this initiative is all about."


Owen Sharp, Chief Executive of The Prostate Cancer Charity, said;


"It?s fantastic that Stuart McMillan MSP has backed our call, and look I forward working with Stuart over the months ahead to make this a reality.


"We need national standards of quality prostate cancer care to ensure that healthcare providers and NHS staff know exactly what services and level of care they should be providing to patients. We also need to ensure that men who have, or are concerned about, prostate cancer know exactly what level of care and support they are entitled to receive.


"Before we finalise our standards we need to be absolutely clear that they reflect what men with prostate cancer want ? which is why we want to hear from as many people with experience of the disease as possible."

Source: http://stuartmcmillanmsp.blogspot.com/2012/03/mcmillan-supports-calls-for-better.html

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Make a Distinction with a Health and Wellness Diploma | Leyes Net

There is relatively of a crisis in the medical planet as rising quantities of young children, youngsters and adults are identified as overweight and even morbidly overweight. As this concern gains attention there is a increased emphasis on preventive medicine. In a lot of instances prevention is greatest dealt with in the type of diet regime as well as exercising.There is a need to have for professionals with qualifications in this subject, such as these with a Bachelors in Health and Wellness. Read on to discover why wellness and wellness may be the appropriate decision for you and no matter whether you are the appropriate suit.

Are You the Appropriate Suit?There are a number of approaches to tell if a Bachelors in Health and Wellness is the appropriate decision for you. 1st, it is important that you want to perform hands on with other individuals to boost their lives. Second, you really should currently have an curiosity in physical health and fitness, nutrition and comparable research. If you frequently uncover oneself thinking about planning to the fitness center, looking at posts about damage prevention or looking at the again of nutrition labels to discover more, then this will likely be a very clear suit for you.

Why an Online Degree?The versatility of an on-line diploma is a huge edge when it comes to heading again to school right after commencing a loved ones or commencing a full time job. Even if you have a busy routine you can set apart some time each evening or on the weekend to listen to on-line lectures, examine the resources and even consider exams.When the financial system is struggling, even these who currently have bachelor levels in a selection of subjects uncover that it is a problem to uncover a constant occupation that pays well. In addition, right after a 4 yr plan a occupation is necessary to get started spending off big pupil financial loans.In buy to boost your likely for retain the services of, think about earning a masters diploma. Those will a passion for aiding other individuals and functioning in the clerical aspect of the medical sector really should definitely think about earning their on-line Masters in Health Administration.

Why Health Administration?With a lot of child boomers reaching retirement age, the medical subject is commencing to require more and more staff general. This contains these qualified to direct the more administrative elements of healthcare.Lessons will assortment from specific techniques for leadership in nursing properties and hospitals, as well as merging dealing with patients and understanding the surroundings of medical billing and coding. As 1 of the handful of industries forecast to grow significantly in the close to foreseeable future, hemorrhoid treatment, healthcare is the perfect masters diploma to receive.

Why Online?Even if you do have your coronary heart set on a Grasp s in Health Administration, you may surprise about the advantages of pursuing the diploma on-line. If you currently have your bachelor diploma, you are likely used or have a loved ones. This indicates on-line courses can permit you to examine at odd hours or each time it is that you have accessibility to a computer and free time.Earning a Masters Degree in Health Administration may be the important to discovering a satisfying and steady job in the several years forward. Take into account earning it on-line through 1 of the a lot of Accredited Online Schools.If youve been thinking about using the plunge and getting in touch with a university or college regarding their on-line diploma programs,wherever you will uncover an simple-to-navigate directory of on-line levels in most any subject in which you are interested.Post designed by mentolo diyose macarena

Source: http://www.leyesnet.com/?p=1731

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Saturday, March 3, 2012

Increase Your Business Turnover Through Sales Training ...

A company could have a high quality product for sales, but they can sell it only if the benefits and benefits concerning the products reach the potential customers. In different phrases, any finest product can not reach prospects if it is not marketed in the right way. There are number of corporations who have reached a high stage inside a brief span of time, it?s because of the proficiency of the sales team. Unless the company has trained sales individuals they can not attain the target easily. Todays market is very aggressive in nature and to outlive every firm should train their market crew regularly. It helps them to update their knowledge and gain extra, which can be of nice assist while doing the business.

Proficiency of the sales crew must be elevated from every attainable angle. It is the sales team who determine the profit of the business. They have to undergo different types of coaching, it provides them a hand to eradicate hurdles in team. Job training and strategy meeting? should also be commonly held to get the deserved turnover. If the company feels tough to train their staff then they?ll handover the task of coaching to companies that are specialised in offering gross sales training. There are few firms which makes coaching utterly straightforward by providing online training. It helps the company to train the staff at a very low cost budget.

There are numerous gross sales coaching businesses which are specialised in providing high quality training. Sales training varies from one industry to a different, however knowledgeable coaching firm has the whole resources which they have formulated after extensive research. Sales trainers can train them in the proper approach which isn?t potential by anybody else. Training program contains handling queries of customers, formulating it, enhancing physique language, assertiveness, etc. On-line coaching from a reputed on-line sales firm helps you to be sure that all of your staff are up to the mark.

On-line gross sales coaching is essential for folks of various hierarchical levels and it must be given to everyone in a company starting from top administration degree executives to the bottom member within the organization. Training everybody together with the sales team of your organization helps your company to do more gross sales and get more revenue in return.

It?s good to choose online coaching program as a result of it avoids undesirable hassles. All employees can get trained at the locations they work and it helps to save time.

This post is written by Jason Young, he is a web enthusiast and ingenious blogger who loves to write about many different topics, such as shindigz coupon code. His educational background in journalism and family science has given him a broad base from which to approach many topics roku couponand many others. He enjoys experimenting with various techniques and topics like shopko coupons and has a love for creativity. He has a really strong passion for scouring the internet in search of ?inspirational topics.

Source: http://www.chamberlinproductions.org/increase-your-business-turnover-through-sales-training.html

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HIV rate among US intravenous drug users falls: CDC (Reuters)

[unable to retrieve full-text content]Reuters - HIV infections among intravenous drug users in the United States have fallen by half in the past decade, but HIV testing is also down and risky behaviors such as needle-sharing persist, U.S. health experts said on Thursday.

Source: http://us.rd.yahoo.com/dailynews/rss/aids/*http%3A//news.yahoo.com/s/nm/20120302/hl_nm/us_usa_hiv_drugs

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Friday, March 2, 2012

Health Care and Savings With Medical Travel | Health Care, Fitness ...

The climbing expenditures along with the desire for possibilities, like the volume of waiting time, has established the necessity for most health-related processes to become preformed throughout state and country borders. Spending the recovery time period following the original operation in the wellness resort located in the vicinity of the surgeon gives you an additional advantage of World wide Overall health Care and Health-related Journey.

There?s a false impression that World wide Overall health Treatment requires you to leave the house region, this is not proper. The phrase shopper pushed choices can be a a lot more precise tag line. A affected individual in need of therapy that has selections specific to their very best knowledgeable possibilities. One example is you may use the house town supplier or an equally capable provider within your region, 2 hours away that may be 20% considerably less, is really an possibility for cost savings. That same individual could plan to travel exterior their country for rapid treatment that is certainly 50% a smaller amount, being an solution for personal savings and timing. The record of alternatives continues with kinds of treatments, skilled specialists, tax incentives, vacationing and choice medicine to mention a number of.

Clinical Facilitators aid people today build these decisions and discover the most beneficial system for clinical travel therapies, getting into consideration the person?s present well being, expected therapies, funds, personalized choices and travel knowledge. Healthcare Journey produces levels of competition, choices and choices in healthcare, without having it nothing can improve. Worldwide Health Care would be the entry to accredited experts to deliver remedies and healthcare processes for beauty surgical procedure, orthopedics, pounds loss, diet program disorders, dental processes, cancer, stem mobile and a lot extra.

Study Clinical Journey, Healthcare Tourism, Medical Outsourcing and Worldwide Well being Care because remedy to the health and fitness and wellness ?access? and ?rising cost? troubles. In Vitro Fertilization is probably the quickest rising segments in International Health and fitness Care. Fertility centers are extensive set up while in the significant abroad professional medical hubs and they are effectively healing couples utilizing the most recent advances in IVF solutions. International Overall health Treatment can offer use of Infertility Treatment options, experts and price savings; making your dream a child.

The growing recognition for men and women to have elective ascetic surgical procedures like plastic and cosmetic surgical procedure; switch out for being primary candidates for professional medical travel, just for financial savings along with the non-public recuperation that can be organized. Combing Dental therapies having a getaway could be up coming in line, some with the overall relatives and several for a complete dental overhaul. These trips may be wholly compensated for by cost savings on your own and in some cases have more tax advantages.

After getting chose to file bankruptcy to alleviate overpowering healthcare debt, you will need to take into consideration tips on how to best guard yourself in the future. Except if you are taking measures to prevent this credit card debt from reoccurring, you could at the time once more uncover oneself in medical financial debt without the benefit of filing for one more bankruptcy. Shielding yourself from long run professional medical debt should really be certainly one of your very first worries when submitting for chapter seven or chapter thirteen bankruptcy. Folks who may have gone through bankruptcy as a result of devastating clinical expenses have figured out the really hard way that their clinical insurance policy was insufficient, and failed to absolutely safeguard them from money catastrophe. Most individuals are insured as a result of an employer-provided wellness treatment plan. These ideas commonly address just a compact proportion on the charges incurred after a catastrophic illness or emergency. Some persons buy their own personal health and fitness treatment ideas. These individuals are generally self-employed. Individualized well being care protection may be very costly, and these strategies have restrictions as well. Nevertheless, you will discover alternatives an individual may take to health supplement their healthcare insurance coverage coverage, lessening their probability, of at the time yet again, turning into overcome by health-related financial debt.

Customizing well being insurance generally is a practical tactic. People who acquire their unique health-related insurance plan possess the edge of tailoring their insurance program to match their personal needs. They are able to adjust their deductibles and protection to replicate their certain health conditions. Though employer-provided health care insurance coverage is often less expensive, there may be lowered capability to switch this approach to satisfy their particular person needs. 1 alternative some employers offer you should be to offer a stipend instead of health care insurance policy. This enables an personnel to buy a far more personal insurance method.

Catastrophic coverage is another alternative an individual can take to guard on their own from long term medical liabilities. Catastrophic health care protection is less costly, and can be beneficial in boosting an individual?s overall health approach by covering just professional medical emergencies.

A Wellness Savings Account (HSA) might be a useful tool in handling medical financial debt. It?s a tax-advantaged professional medical savings account readily available to taxpayers that are enrolled inside of a substantial deductible health and fitness approach. The funds contributed to some HSA are not subject to federal income tax for the time of deposit. These money roll around and accumulate calendar year to calendar year if not invested. This strategy makes it possible for the person to put aside a certain amount every thirty day period into their HSA. These money may be utilised to shell out deductibles and other health and fitness care costs not covered underneath their well being treatment program. A Flexible Spending Account (FSA) is an additional instrument employers offer you to assist staff members to manage overall health care charges, but FSAs have considerable drawbacks.

Source: http://www.lost1.net/?p=394

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Thursday, March 1, 2012

Safeguarding Your Personal Computer Is A Requirement | Find Free ...

Advances within desktop technology is a double-edged sword. On one hand, it affords you rapid plus effortless access to a number of conveniences including bank statements, favorite shopping centers, school plus health records, plus more. On the other hand, it can easily moreover grant the particular same access to the people who aren?t expected to receive it. Even though it?s a rare occurrence, hacking has become the particular biggest criminal nuisance within desktop history. Read more best laptop under 600.
Make not an bones regarding it. There?s nothing innocent and / or cute regarding the particular hacker. Today?s hackers aren?t the particular pimply-faced teenager rebels which you may be considering. Instead, this particular age bracket of hackers happen to be grown individuals who are over likely receiving a living by taking the particular identities of innocent, legislation abiding individuals and in addition then selling all those identities to some others who like to slip by the particular body. Plus the only protective covering against many of these seedy persons is prevention.
Pc protection could not be more significant than it really is these days plus that?s precisely why we?ve taken the particular time to introduce it to us. You are able to reduce the particular probability of experiencing identity theft by making your personal computer as hacker-proof as possible. Just about all that?s required is a little bit software plus a great deal of good sense.
1. Install a particular anti-virus/anti-spyware system. Anti-virus/anti-spyware software will prevent malicious code from getting plus installing on to your personal computer while us peruse the particular Internet. Acknowledged as viruses, worms, and / or spyware, this particular malicious code can easily destroy significant files plus render your personal computer suitable for only one thing: sending delicate files back to the particular server of an identity thief. See gaming laptops under 800.
2. Don?t shop delicate files on your desktop originally. Will need to your personal computer receive infected alongside a virus, worm, and / or part of spyware, us can thwart the particular individuals accountable by definitely not storing the private information on your PC now that whenever plus in case the desktop does send back files ? it will not be anything valuable. Hackers seek out elements such as full names, societal protection numbers, cellphone numbers, dwelling addresses, work-related information, plus credit card numbers. If many of these elements aren?t saved on to a computer, there?s nothing important to worry regarding other than restoring your personal computer on to a non-virus condition. Read more best laptops for college.
3. Don?t open files without scanning them alongside a particular anti-virus/anti-spyware system. Inside the past, the particular warning was to avoid opening files from persons that us don?t grasp. Now it?s seriously definitely not safe and secure to open files from individuals (without scanning the particular files) considering that?s exactly how viruses receive spread out ? by means of files ? actually by error. So actually though the co-worker could have emailed a funny movie, it?s not an more safe and secure to open than a video downloaded from a complete stranger. Be safe and secure plus scan each and every file us download from the Internet and / or obtain by means of e-mail regardless of where it came from.
4. Create a barrier between your personal computer plus prying eyes. Anti-virus/anti-spyware programs happen to be only effective after the particular effect. Yet us can avoid identity theft from occurring by installing a firewall. A firewall is software which checks all the files entering plus exiting a computer plus it subsequently blocks which that doesn?t meet specified protection criteria (user-defined rules).
5. Don?t mouse click on website hyperlinks within spam messages. Inside a particular effort to obtain private information, some spammers will send e-mail which asks us to mouse click on a connect. The actual e-mail messages happen to be commonly disguised as significant messages from well-known on the net establishments, plus they commonly try to scare their visitors back into clicking hyperlinks alongside threats of closing a particular account of various kind. Sometimes the particular hyperlinks happen to be harmless plus attempt to con the particular reader back into volunteering private information (credit card number), yet other times the particular hyperlinks attempt to download harmful software on to a computer.
Your individual ideal protective covering against desktop crimes is your individual own knowledge. Hopefully the particular suggestions above will prompt us back into taking appropriate action plus back into protecting your personal computer with all the recommended tools. Inside doing so, you will not just shield your self, you will avoid the particular spread out of these malicious activities plus shield some others at the same time.

Source: http://findfreewebhosting.com/safeguarding-your-personal-computer-is-a-requirement/

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