Synthetic vs. Natural Vitamins

Most vitamins on the market are synthetic. That is, they are made by a chemical laboratory from coal tar and other chemical sources, instead of from foods. They are imitations, man-made instead of being the product of plant or animal cells. The question arises: Are synthetic imitations equal to
the genuine that costs far more?


Many so-called ”experts” say that there is no difference. Notoriously, experts can usually be found to express any opinion commercial interests need to promote their wares, or keep people out of jail. Here is a case for everyone to carefully examine the facts for themselves.

The vitamins are all complexes. How can a single factor be isolated from a complex (such as starch from whole wheat) and be justifiably sold with the claim that it is equal? Purified thiamin from natural sources cannot be separated from the anti-paralysis factor, B4 (1). The synthetic thiamin, of course, will not have this extra, most important component (which corrects the fibrillations and arrhythmias that accompany the beriberi heart) any more than a synthetic carbohydrate would have the B-complex of white flour. To say that the synthetic thiamin is identical to the natural is to compare an imitation with a hypothetical, non-existent “natural” thiamin. Can you see the chicanery in the statement that the two are identical?

Again, vitamins in the living cell, in the main, are parts of enzyme systems. Natural complexes are, if properly prepared, still enzymes, and linked with their trace mineral enzyme activators. The trace minerals are in organic form (Vitamin B12, as an example, with organic cobalt). The elimination of these mineral activators from the food or vitamin concentrate is as unjustifiable as the removal of the jewels of a watch by a dealer who passes it on to an ignorant client. They, of course, are never present in the synthetic imitation, any more than there are jewels in a dime store toy watch, intended to look like the real one but not to cost as much.

Do not infer from this that synthetic vitamins have no effect. They DO have DRUG effects, pharmacological actions that may or may not have much in common with the normal nutritional action. As an example, the commonest effect of Vitamin C deficiency is "pink toothbrush.” Any good natural Vitamin C will promptly stop hemorrhagic gingivitis, but ascorbic acid has failed to have the slightest effect in careful tests made in the British Army (2). Here is where another complex is needed and only one factor was replaced. All natural Vitamin C has more or less Vitamin P in it, as the Nobel Prize winner Szent-Gyorgyi stated when he first discovered the nature of this vitamin. The Vitamin P cures the capillary fragility of the scurvy state, the ascorbic acid restores the ability of the cells to rebuild the colloidal fibrous connective tissue matrix of bone and tendon.

Tocopherols have been isolated from the Vitamin E complex and sold as “Vitamin E.” Later, we find that natural E complexes contain a factor that is the precursor of the sex hormones (3) and that the tocopherol is just the wrapper that protects the real factors from oxidation. And, in our laboratories, we have isolated another factor from the E complex that exactly performs the function of nitroglycerine in relieving spastic heart pains (Vitamin E2).

Another critical defect of synthetic vitamins is that most organic substances are stereoisomeric; they exist in right and left hand molecules, and natural foods usually are all of one kind, while synthetic imitations usually are of equal mixtures or all of the kind not wanted. The chemist terms these laevo- and dextro- forms (l- and d-). Any price list of amino acids will show how expensive the natural forms are and how cheap the synthetic imitations. Some of the synthetic forms are toxic, and usually block the assimilation of the real amino acid, if present as a contaminant or adulterant.

Now, some vitamins in the wrong form are also poison. Lactic acid in the wrong form has fatally poisoned babies when used in milk formulas (4). Pantothenic acid (Vitamin B5) in the wrong form is poison to test animals (5), causing castrational effects.

Synthetic adrenalin has failed to perform as the natural, and synthetic thyroxin, likewise. The natural forms are now known to be complexes and quite different in action (6,7).

Synthetic Vitamin D has failed to be as effective as the natural and is much more dangerous (8,9).

These are the facts. Why not be honest about it?


References:
(1) “The Vitamins and Their Clinical Application,” Stepp, Kuhnau and Schroeder, p. 29, 1938.
(2) British Medical Journal, 1:69-104, Jan. 15, 1944.
(3) Levin, E. et al. “Factors in Wheat Germ Oil Affecting the Sex Organs of Hypophysectomized Rats.” J. Clin. Endocrin, 1951, 49, 289.
(4) Lee Foundation Report No. 6, Lee Foundation for Nutritional Research, Milwaukee 3, Wisconsin.
(5) Unpublished report of work at University of California, Berkeley.
(6) Lee Foundation Report No. 6.
(7) “Endocrinology in Modern Practice,” William Wolf, MD, p. 243, pub. 1939.
(8) “The Vitamins in Medicine,” Bicknell & Prescott, 3rd edition, 1953, p. 539.
(9) “Nutrition and Physical Degeneration,“ Weston A. Price, 1939, pp. 411-412.

Property Fund Management




Online

Interactive graphic showing the sharp rise in assets under management of the property fund management industry over the past decade and the recent slowdown against the performances of funds in the sector in that time. (Inclusion of this depends on support.)






Overview

Having survived the real estate crash, many asset managers are preparing new pushes into the real estate market but investors are likely to only back those that have track records and more aligned interests. What will the next generation of property funds look like? Will there be changes to the structures and incentives? Does there need to be? What sort of fund managers have outperformed, even in the downturn? Where do investors want to be investing over the next five years

and how has that changed from before the real estate crash? What importance are factors such as multi-country vs single domicile, smaller vs larger, stand alone managers vs captive, self-managed funds vs outsourced, first time funds vs follow-on? Will the vogue for property “clubs” – small groups of rich investors with greater control – rather than large “blind pool” funds become the norm? This article will try to tease out the opportunities and challenges for the many fund managers looking to exploit the return of interest in real estate.






Residential

There has been a rise in interest in residential as an asset class on the back of the recovering housing markets. Many fund managers are looking at the private rented housing sector in particular. In the UK, the Homes and Communities Agency said that more than £1bn would be invested by new funds this year. However, there have also been a number of proposed funds that have quietly been sidelined or downsized. What are the investment opportunities in the market, and what sort of risks and returns are there on offer? What are the constraints in the market? Is it possible to build a sufficiently attractive large institutional residential fund? 








Debt

There was a number of global debt funds launched in the past three years, but many of these have been very quiet since their inception in spite of promises of high returns and profits from distressed institutions. In particular, many launched hoping to find the large returns in providing mezzanine debt at high rates, although again there has been little sign of actual deals. What happened to the promises of the debt investors and are they still waiting in the wings for the right conditions? Of those that did invest, what sort of returns, or losses, were made over the past two years? There is now talk again of new debt funds being raised – what are the opportunities to buy debt in future? Will it be among the impending debt refinancings that may not be able to be met by borrowers? Or it is in issuing new debt?






German Open Ended Funds

Foreign investors' assumptions about price rises and growth in the German market amazed some domestic property funds. But while the German funds may have avoided glaring errors at home, they have had their own problems thanks to their big foreign portfolios. Now, however, many see business returning to better times, with inflows giving them the mandate to buy again. Where and what are they buying? How much money do they have to invest? How important are they in the European property market?






Property Investment Trusts

Two of the largest investment trusts in the UK have proposed a merger, while there has been a resurgence of interest among investors in the market given the return of asset values and the prospects for resilient income from rents. Has the sector been a good place to invest over the two year slump and what are its prospects going forward? Will there be new trusts launched to meet investor demand? Or will there be further consolidation?





Listed Property Funds

There was a number of IPOs of property funds last year that are now out looking for investments. Can these be judged as successful so far or is it too earlier? Have they found the opportunities they promised? Is the market for new offerings now closed following these launches or is there still investor appetitive for new listed real estate vehicles? If so, what would investors like to see launched into the market? Will there be the chance for any more “blind-pool” funds or will they have to have assets in their portfolio prior to launch? Will the new funds be focused on the international markets or the UK market?

How Credit Counselling Works


You may or may not have heard about credit counselling; all it means is that a person will give you advice on how to manage your debts. If you do have debts and you are having trouble meeting the regular monthly payments then you may want to consider getting some credit counselling yourself.

The way credit counselling works is that you first have to make an appointment with an agency that offers credit counselling, for example, both the Citizens’ Advice Bureau and the Consumer Credit Counselling
Service both offer such a service. Both of the agencies just mentioned do not charge for their services, unlike many debt management companies on the internet. When you make an appointment to see a counselor you will be assured that everything you tell them is confidential and they will not disclose that information to anyone else without your permission.

When you go to your appointment it is a good idea to have a list of all the people that you owe money to. If you haven’t already written out a financial statement i.e. all your incomings and outgoings then the counselor can probably help you to do this. Once you have all of your financial details written down it is a lot easier to see where you can save money, if at all. The statement will also be useful if you need to give it to your creditors to explain why you cannot meet all of the payment that they are asking for.

The counselor will ask you all about your debt problems and then lay out all the options that they think are available to you. In some instances counselors may be willing to contact your creditors on your behalf and make an offer of payment. The counselor may also be able to negotiate lower interest rates on your credit cards, or even no interest for a certain period of time to help you catch up on your debts.

When you go to see a credit counselor all that they basically do is to help you sort out your financial position so that you can look at different ways of managing your debt. If there is no way that you can meet your creditor’s demands then the counselor may advise that the best choice for you is to declare yourself bankrupt. : Bankruptcy is a huge step and you should not take that step until you are really sure about what you are doing. In most cases however, a counselor will look for alternative ways to manage your financial commitments and become debt free.

An increasing number of people are now contacting agencies like the Citizens Advice Bureau and the Consumer Credit Counselling Service to help them sort out their finances and manage their debt. These agencies make no charge for their services and can be very helpful if you are worried about the level of your debt.





Experiencing Pain in Your HIPS? Here are some Remedies.

The pain you experience in your hip may come from your hip or it could come from the pelvis or the lower back. Hip pain has several symptoms. Sometimes the pain may be over the hip alone. In other cases, it may actually be along the thigh down to the knee and some times right to the ankle.
There are many reasons for the origination of your hip pain. Some of them may be minor problems that only require some over-the-counter medication. Other times, however, this pain might be a serious problem that may be treated only through surgery.


Causes:

Arthritis: This is one of the most common causes of hip pain. This is an age-related medical condition. Arthritis causes the inflammation of one or more joints in the body. This results in swelling, stiffness, pain and limited movement. A hundred different types of arthritis have been identified and documented. In this condition, the cartilage that protects the joint breaks down preventing smooth movement.

Capsulitis: The sac around the hip joint becomes inflamed and compressed. This tightness limits the range of movement. Any joint in the body can be affected.

Groin strain: The stability of the hip joint can be adversely affected if the groin muscle is strained.

Sports: Sports like basketball and soccer place a lot of emphasis on jumping and running. These activities can put a significant amount of stress on the muscles surrounding the hips. These strains can cause a lot of damage to the hips.


Some Effective Treatments:

Rest: This is, undoubtedly and unarguably the most effective treatment. It is universally accepted. The movement of the body is less and therefore there is little strain on the hips.

Light exercise: It is a good idea to perform exercises like water aerobics and swimming. These exercises are extremely supportive of the hips.

'No' to excessive alcohol: Alcohol is one of the important factors that can trigger a gout attack. The alcohol in your body increases the stress on your hips. It is advisable not to cross two pegs a day.

Drink enough water: Drink at least six to eight glasses of water daily.

Maintain an ideal body weight: By balancing your weight, you can reduce the stress on your hips and greatly reduce your chances of having osteoarthritis. You can make use of the body mass index (BMI) to know where you stand.

Make use of crutches and cranes: Crutches and cranes are devices that are created to assist a person having weakness in the lower limbs. With the help of crutches, you can keep your weight off the joint. The weight is supported by the crutch or crane. This reduces the stress placed on the joints.

Ice packs: These can help to reduce the swelling and inflammation around the joint. They must, however be used with care. They can damage the skin.

What Is Liberty Reserve And Ebuygold.com And Why Do You Need Them?

Using Liberty Reserve and Ebuygold.com is the main method of getting money to TVI in order to sign up for the program. Since TVI's offices for administration are overseas it is necessary to use a service which can make payment to TVI. This is what Liberty Reserve does. It is similar to PayPal but can be used from anywhere in the world and is currently only one of three payment methods accepted by TVI. The other two are bank wire, which is 50 times more expensive and takes way longer, and the other is to use a prepaid e-voucher. The process of using Liberty Reserve and Ebuygold.com basically converts your US dollars into e-currency, which can then be paid to TVI and can be done very securely. Also, since you are going to be paying is US dollars and TVI is not in the US, an “Exchange” service is needed to
convert your US dollars English Lbs, or Euros or whatever they are using now. This is what ebuygold.com does. It is an exchanger. Western Union will also play a role in transferring the money from ebuygold.com to an overseas destination so that it will become your “reserve” with Liberty Reserve and you can then use it to purchase from TVI.

To simplify, when a new person signs up for TVI they need to get $250 USD to the UK to TVI. This is not an easy thing. You could just send a check I suppose but then you would be looking at a huge time lag and you would still need to somehow provide the currency exchange service. With the Liberty Reserve process it takes less than 24 hours.

So the process is to log on to ebuygold.com and buy e-currency. That e-currency gets transferred to a Liberty Reserve account overseas by using Western Union. Once the money gets to your Liberty Reserve account you can use it to purchase TVI membership.

All new people need to set up an account with Liberty Reserve and Ebuygold.com and they need to learn how to use this in order to purchase TVI memberships. Instructions on how to do that are below. It is extremely simple. This is the main way that TVI memberships are purchased. You cannot rely only on a friend or upline to cash out his commissions for e-vouchers so that you will have enough vouchers to continue to sign up new people to your downline. There will never be enough vouchers if that is the only way you do it because one express board commission does not pay out enough vouchers to cover the number of new sign ups needed to cycle the express board one time. If you do not learn to use Liberty Reserve you will find yourself out of vouchers and stuck relying on someone else to do it for you when you need them. Teach every new recruit how to use this system. This is extremely important. This is part of the business and we all need to know how to do this. You don't want to end up relying on the easy way of doing it by getting voucher from someone, and then in several months when our downline is 600 or 1000 or 7000 people, we all have to just stop what we are doing and teach everyone how to use this system. That will totally stall out the board movement. So let's teach every new person to use this system right from the get go, even if you do have a voucher for them, have them create their accounts and familiarize themselves with the instructions below.

The $250 is the membership fee for TVI. Using the process of Liberty Reserve to pay is going to cost around $291 or so because each of the three channels, Liberty, EBG (e-buygold) and WU are going to charge a small fee for their service. Get in the habit of telling new people right from the get-go that it's going to be $300 if you want to give them a round number. If you can manage to find e-vouchers within your upline or another distributor has them and will sell one to you, yes, you can get it for $250. At some point however the demand will be too great for vouchers as the group grows. So rather than one person sitting all day long on the computer placing orders via Liberty Reserve, we all need to know how to do this. And it will work out better if you just tell them it's $300 right from the beginning so that when they go to sign up thinking it's $250 and they find at that moment that it's $291, they aren't unhappily surprised.

Earn money Online By legitimate survey

There are several surveys that really pays. You can earn money by these sites easily.

Survey Head is a one of the best survey site that is known as paying site. You are paid minimum $1 for a survey and they post 5 or 6 surveys daily. When you reach $25 you can cash out and this site only pays by Paypal.

Survey Savvy is a another paying site. The minimum payout is $1 and you are paid by check. Generally you'll get weekly survey but you have to have the best qualification to get more surveys. The referral system also helps you to earn more money.

Opinion Place is a survey site
that is offered by AOL. They pay you good amount and pay promptly after completing survey. But you get a survey every 14 days and easy to get a survey. Sites pay through Paypal, AOL Credits, Amazon Gift Cards, AAdvantages Miles. I've earned $3 per survey averagely. But many surveys pay more.

Mindfield Online I receive surveys weekly and get $1-$5. This site pays through check only and send out weekly. When you reaches $10 you may cash out.

Treasure Trooper is a good fun online survey site. Payments will be processed on the 15th-20th of every month for the previous month's earnings. This means that you will receive a monthly payment if your balance reaches minimum $20. If not, then your balance will be carried over to the next month. The daily surveys are worth $0.75-$1.00 like. This site is especially USA, UK, Canada residents who are paid more.

Opinion out post This site has plenty of surveys which are available. It is a good paying site and it pays by check.

Survey Spot is a online survey site and they send a vast amount of survey to your email. The minimum payout is $5 . If you are not qualify for all survey you are around $1-$3.

Top 10 Things You Can Do to Lose Weight a Pound a Week

A pound a week doesn’t seem very fast, but that adds up to 52 pounds a year, if you have that much to lose. You have a better chance to keep the weight off with slow, steady loss. Fad diets do not work, cost too much money, and create an imbalance in the body! These ideas are not only great weight loss tools, but excellent tips to live by. If you follow these steps, I guarantee you will add healthy years to your life!

Try these steps to lose your extra pounds….

1. Drink lots of water, with lemon – Water increases your metabolism. Fresh lemon juice has enzymes that cleanse, and creates an alkaline condition in the body. Your cells release fat when they are in an alkaline state and bind fat when they are acidic. To bind is human, to release is divine. Acidity also attracts bacteria, fungus, parasites, and is always found with cancer, reflux, and gout so drink lots of lemonade!!!!

2. Take calcium – Studies in rats on a diet show that the ones with adequate calcium lost 30% more weight. Poor skinny rats! Calcium is best absorbed when taken with magnesium and I recommend taking it in the evenings.

3. Eliminate – Yes, we are talking poop. All that protein and no fruit makes you backed up. Drink psyllium husk with water twice a day or use another good source of fiber. An apple every morning is also a great fiber source. You will be light and fluffy!

4. Omega 3 oils – Eat fish and flax seeds every day if possible. Tuna and salmon are excellent sources of protein and omega 3’s. Flax seeds are also an excellent source of omega 3’s. Omega 3’s are also great for healthy cells, great looking skin and hair, and balancing hormones! Cancer patients and many regenerative disease patients show fatty acid deficiencies when tested on the QXCI.

5. Exercise before you eat – In the morning, do something to step up your metabolism. A short walk, jump up and down, run in circles, make love (while hanging from the trapeze for bonus points!). Your body will burn fat, not food. DO NOT eat for at least one hour after you exercise. You will continue to burn fat rather than food. Your metabolism is increased for about 3 hours after morning exercise.

6. Raw veggies equal love – carrots, celery, broccoli, etc. Veggies are alkalizing. And when you alkalize, what happens? That’s right, your fat falls off. Raw veggies have enzymes that digest food better, give you energy, slowly digest and make you feel full. And of course, make you poop much better!

7. Do squats – If you do not have time to exercise, do this. Next time you are standing in front of the refrigerator visualizing ice cream (which is acidic, by the way) do 10 deep squats. After you are done you will no longer want food. You will want to sit down. Now would be a great time for a glass of water. Squat when you brush your teeth, dry your hair, or watch TV. You are building some great muscle and fat is falling off.

8. Drink green tea – no more coffee or tea! It messes with your insulin levels, which causes cravings. Green tea on the other hand, increases your metabolism, is a powerful antioxidant, and for some reason makes you burn fat. Here’s an idea – how about drinking iced green tea with psyllium husk in it and the juice of one lemon while you are standing in front of the fridge doing squats!

9. Stop the sabotage – find the positive intention behind your issues with food. If your inner mind has a powerful need to eat to fill an emotional need, have protection, or be fat due to identification issues, no amount of will power will help. The part of your mind that needs to eat in excess will get even more determined and you will be more backed up than you were before, literally and figuratively. Clear the issue and make it easy.

10. Visualize – the one thing above all else that will make the fat fall off – three times a day, visualize the weight you will be when you step on the scale each day. Here is how to do it... Get relaxed, close your eyes, imagine yourself stepping on the scale tomorrow, one pound less. Visualize. Now, notice what day it is tomorrow. Feel your feet on the scale. See the number. Smile, breathe. Squat just for fun. Imagine tomorrow. Imagine it as real, the next day, the scale and one pound less. Make a note of what day it is. Imagine the next day, same scale, new number. Fat is falling off all over the place. Visualize seven days at a time. Implant the new weight and the day in your subconscious mind. Do it in the morning when you first wake up. Do it in the afternoon when you are dozing off at the office. Do it at night before you sleep. You will be amazed. As a result of this, your brain will become convinced after a day or two that fat is supposed to be falling off. Your body will start to make changes. Your energy level will increase, you will eat less, for some strange reason you will want to exercise. And the best part is your body will follow the new belief that you have created and make subtle changes to accomplish the task that your subconscious mind believe is happening. Your cravings will stop. You will want more water. You may even poop a little more often. It can be quite interesting to see the way your mind and body responds to your efforts in manifesting your new weight.

Cite: This information comes courtesy of Wendi Friesen. Hypnosis is a great way to make positive changes in your life. It works well for stress reduction, relaxation, addictions and breaking life patterns. I highly recommend Wendi’s work. When her programs are followed, they are highly successful. She has several weight loss hypnosis sets available, as well as many other hypnosis CD’s for health, healing, and positive changes. Go to the website to order Wendi’s hypnosis CD’s – www.tlchouston.net.

Here are 13 fat loss tips you may not be aware of.

1. Eat the right balance of protein, carbohydrate and fat for YOUR metabolism

The Zone balance is a good place to start – but it may not be the ideal balance for you.
How do you know?
Your fat loss has stopped, and you are above your ideal
You are an apple shape – weight goes on around your trunk and stays there

Keep your lean protein (like meat or chicken) to the ideal block amount – generally this is 90 grams for women and 120 grams for men at each meal. Add a bit more if you are taller than average, or do a lot of exercise. Snacks, have 1/3rd this amount.

Cut out all processed grains, potatoes and sugar, and limit or cut out alcohol
Cut the carbohydrates down by 1/3rd to ½ of typical Zone amounts.
This will be 1 – 2 blocks less of carbohydrates per meal, so instead of 3 you have 1.5 - 2 blocks. Choose mainly vegetable carbohydrates, and smaller amounts of fruit.

Carbohydrates trigger the release of insulin, insulin triggers fat storage. By eating less carbs and choosing ones which digest into sugar slowly, less insulin is released. Lower insulin levels allow fat to be released from storage.
Protein keeps you from getting hungry by stimulating PYY a hormone that decreases appetite, and glucagon which keeps your blood sugar levels stable. Protein also keeps your metabolic rate up.

2. Cut the stress hormones.
Stress hormones like cortisol keep your insulin levels up and stop fat release, especially around the trunk area. Stress can increase cravings and overeating.
What ever your stress – find a way to reduce it. Work or relationship, not doing what you love, unresolved issues, can all lead to chronically high cortisol levels.
Physical stresses like lack of sleep or over exercising can also keep stress hormones high. Lack of sleep triggers cortisol, high insulin levels and cravings. You need 7 – 9 hours of sleep per night.

3. Cut the toxins.
Your fat is the ideal place to store away toxins to keep them from harming you.
Cut out all the food that contains anything on the label that you don’t recognise as coming directly from nature. Eat organic food which is free of pesticides if possible.
Cut out bad fats; trans fats found in deep fried and processed foods, arachidonic acid found in fatty red meat, saturated fat in meat and dairy. Interesterified fat found in margarine increases fat storage and insulin resistance. Use olive oil instead.
Drugs – either over the counter or prescription can be toxic and some trigger fat storage.
Eat live, unprocessed whole food.
Have clean fresh additive free food. Lean meat, fresh seafood, fresh fruit and vegetables, raw nuts and seeds - preferably organic. You will get an abundance of nutrients, free of synthetic toxins.

4. Cut out artificial sweeteners.
Just the taste on your tongue of artificial sweeteners triggers insulin release, which triggers hunger and fat storage. Cut out all chemical sweeteners.

5. Omega 6 plus high insulin levels – a recipe for fat storage.
Omega 6 can be converted to arachidonic fatty acid, the building block of pro-inflammatory hormones. If you release high levels of insulin (by eating excess carbohydrates) you increase the enzymes that convert omega 6 into arachidonic acid. Barry Sears calls this fat “Toxic Fat” Your body deals with excess levels of this toxic fat by shunting it into fat cells.
Cut out any sources of omega 6, it is found in vegetable oils, soy oil, sunflower and safflower oil. Use olive oil, raw nuts and avocado – these are high in omega 9 or monounsaturated oil only. Keep your insulin levels down, by eating the right amount and type of carbohydrates (see1 above).

6. Increase Omega 3
Adding fish oil omega 3 to your diet increases fat burning. People on a diet lose more weight when they add omega 3. Animal studies show Omega 3 increases thermogenesis (increase heat production and burns more calories).
Omega 3 also appears to decrease appetite by influencing hormones like ghrelin and leptin.
People with higher levels of Omega 3 have lower body fat than those that have low omega 3 levels.
Add omega 3 to every meal to increase thermogenesis and control appetite.
Take a good quality Omega 3 supplement at each meal. You need at least 2.5 grams EPA+ DHA per day to encourage fat loss.

7. Vitamin D – keep your level in the high range
Low vitamin D levels are linked to being more overweight.
In one US study increased intakes of vitamin D improved weight loss while following a calorie-restricted diet.
If you have had no sun on your skin all winter and no vitamin D as a supplement – you will be deficient in this incredibly important vitamin.
How much vitamin D do you need?
Now that we can see the sun – get 10 minutes exposure on arms and legs daily before 10 am or after 2.00pm. You may also need to supplement.
Recent advice is to supplement with 2000iu – 5000iu per day to keep your vitamin D levels between 125 – 150nmol/L (A blood test will show you if you are taking enough)

8. Keep your body more alkaline
Keeping your body alkaline promotes fat loss according to nutritionist Dr Libby Ellis. Foods are either acid forming or alkaline forming. Our body functions best when it is slightly alkaline. Our diets have become increasingly acid forming. All grain products, all meat, protein, dairy and salt are acid forming foods. Most fruit and vegetables are alkaline forming.
Keep your body alkaline by eating lots of fresh colourful vegetables and fruit to balance protein. These are preferable to grains which are acid forming.

9. Iodine – you need to get enough for thyroid hormones, important for metabolism.
Iodine is a mineral that is deficient in our soil. This is why salt is iodised. Iodine is critical for making thyroid hormones which are important for your metabolism. However if you have little salt, you may be iodine deficient, and your thyroid can’t make the hormones you need to keep up your metabolism. Take kelp tablets, and include seaweed in your meals. (Thompson’s Kelp tabs)

10. Probiotic bacteria can increase weight loss
Healthy gut bacteria play a role in digestion. Some experts theorise that the more good bacteria can aid fat loss. In one study pregnant women who took a probiotic while pregnant lost weight more easily after the baby’s birth than those who didn’t take one.
(Nutralife Maxi dophilus)

11. Take a good quality multivitamin to curb cravings
Our soils are deficient in many minerals including zinc, iodine, selenium and magnesium. Food grown in our soil is also deficient in minerals. Cravings can result from nutrient deficiencies, so take a good quality supplement that has minerals, vitamins and antioxidants. You should find those cravings that are unrelated to hunger disappear.
(Zone Micronutrient support)

12. Do the right type of exercise.
Low level cardio is the wrong type of exercise to maximise fat burning. A long brisk walk or slow jog will burn a few calories while you exercise but it will not increase your metabolic rate much post exercise. It will not build extra muscle or trigger hormones like growth hormone that increase fat burning. Also low level cardio can increase your appetite, so undermines your weight loss efforts.

So what type of exercise should you do?
High intensity exercise and weight resistant exercise. This will result in fat burning between workouts as it increases growth hormones. Weights build your strength and muscle mass – it also tends to suppress appetite. More muscle leads to an increased fat burning capacity. And instead of a walk – do sprints. Map out 100 metres and sprint then rest, repeat several times.
Don’t over-train though, this increases cortisol. Workouts should be no more than 45 minutes long.

13. Other supplements that promote fat loss
CLA, conjugated linoleic acid is a fatty acid has been shown in a number of studies to reduce body fat levels while increasing lean muscle mass. Body shape CLA caps

Green tea extract, rich in epigallocatechin gallate (EGCG), is a polyphenol which helps stimulate thermogenesis. Recent research shows EGCG supplementation can help promote fat oxidation and help induce lipolysis (fat burning). (Zone Weight Loss support)

Super CitriMax, Hydroxycitric acid (HCA). HCA has been shown to assist in various measures of weight control. In one study where participants were on a calorie reduced diet, those who had added HCA had greater fat loss. Their average BMI fell by 6.3 percent (compared to only 1.7 percent for the placebo group). (Results do depend on dosage)

Thompson’s Weight Manager
All supplements are available from the online shop www.zonediet.co.nz

"Why should I choose debt settlement over debt consolidation?"

Why should I choose debt settlement over debt consolidation? The reason is very simple: When people understand that their debt status needs urgent attention, it becomes too late for consolidating through a loan. Consolidation is an intelligent option when the credit score is good with no defaults. If there was a default in payment, missed payments on loans, bills, etc then the only choice left is Debt Settlement. Only if your credit
history is proper without any defaults, you will be able to obtain a lower interest rate. If you really want to compensate at least a bit for the extension of the repayment program or avoid a bankruptcy, without increasing your debts more, Debt settlement is a viable option.

Debt Settlement Advantages Over Consolidation: When you opt for a Debt Settlement, you actually get a reduction in the debt amount. Through negotiations with your creditors, debt settlement agents can obtain new terms on your debt. With Debt settlement you also have a possibility to get a 60% waiver off your loan amount. When your have financial constraint, debt settlement agents will negotiate on your behalf to your creditors and get a deal that can improve your current situation. This definitely works 99.99% well because, if a solution is not arrived, then the possibility of filing a Bankruptcy is high which neither beneficial for the creditor nor you.

The most important advantage is that, after you get a Debt Settlement your credit score will start ticking back. If you already have a bad rating due to defaults, then settlement would be a wise option to reduce debts and become debt-free.

Why would we think about Debt Settlement or Consolidation? Leave aside credit rating, cause when we are in debt that might be the last thing we worry about. The other issues that led to frustration and shame would include, but be limited to the following:

* Bankruptcy and it's implications.
* Harassing collection calls.
* Piling pending bills & ever increasing loan amount.

It is rather funny to opt Debt Consolidation, where it’s like trying to think you are free of debt, but reality is that you get debt from another resource and repay current debt resulting in Debt again. At times the second loan can end being higher than your original loan commitment!! Debt Consolidation and Debt Settlement are really handy in clearing debts, but we should know when to choose what. As far as I am concerned, I would go with Debt Settlement as I will not only become debt-free sooner, but also can get up to 60% waive-off!!

Weight Loss- Eating out without Breaking a Diet

A good weight loss plan is relatively easy to find. But the strength to carry it out is not always present, right? Say, you decide to finally start your diet on Monday. The Monday is finally there but a friend calls you to a dinner party- it’s not polite to say no, and when you go there and see everybody munching- you resist to join them. “Ok, next Monday”,-you say to yourself, but next Monday is something else and so forth. So the Next Monday usually turns into the “MONDAY THAT NEVER COMES”. The scale, however, shows the sad truth- you actually gained weight.

Does that sound familiar? But, how are you supposed to resist all the temptations? Don’t go out? Don’t socialize? Avoid going to restaurants or for drinks? Well, no. Off course not! You are not supposed to give up all the fun stuff in your life in order to lose weight. You can even go to a restaurant and still follow your weight loss plan. The only thing you have to do is to be careful and don’t forget you main goal.

I will try to explain it like this: If you think you’ll get a car, and instead you get a bicycle-you’ll end up disappointed, right? But if you think you’ll get rollerblades and instead you get a bicycle-you’ll be happy. You see, it’s all in the head. Great expectations are more likely to cause bigger disappointment. Now, what this has to do with food? Well, if you decide do skip a night out in the restaurant and stay home you will probably get depressed and think how all your friends are out having fun while you have to be on a stupid diet. You’ll lay on the couch, watch TV and, in the end, probably decide you deserve a treat too- an ice cream or a slice of pizza. And there you go- you broke your diet, you feel bad about it, your motivation is low, and you are still not out having fun.

However, if you do go out you will eat and break your diet, right? No! When you go out you have to keep in mind you’re on a diet. Furthermore, you need to be Proud about it because You are doing something good for yourself! Order a salad and a small portion of something low on calories- white chicken meat or a fish, for example. Eat your meal slowly and frequently take small sips of water. Make breaks to talk to your friends but don’t talk and eat in the same time. When you are eating pay attention to your food and taste every bite. Soon, you will realize that you are full before your plate is empty. You had a lot of fun, you ate, but you didn’t break the diet. The realization that you managed to control yourself will motivate you to continue and improve both- the diet and your social life.

Tough Times for Credit Card Issuers as President Obama Signs Bill

Summary: New legislation and how it will affect credit card holders and the issuers of credit cards.

President Obama signs bill
As a result of years of pressure from many quarters and headed mainly by the consumer groups as well as Democrats, President Obama lent his signature to a bill that effectively outlaws raising of rates of interest and fees with regard to credit cards. This legislation concerning the credit card interest rates and fees have been a long time in the works. Initially, a bill was passed by the House in 2008 and once again in the early part of this year. There are many practices that issuers of credit cards target consumers with which are abusive to say the least and the bill that hopes to outlaw these practices were praised by President Obama
at a bill-signing ceremony at the White House recently. He hoped that the bill will help to bring about a substantial change.

Objections from the banking industry
The advocates of the banking industry are objecting to these changes vehemently saying that it would only result in Americans having their credit tightened. However, the bill was passed with overwhelming margins in the House and Senate earlier in the week. Senators from both parties supported this legislation. The government denied the allegation that this bill was designed to protect the consumers who have been fiscally reckless and negligent with their credit cards

New law to be effective from February 2010
The new law will come into existence as it take effect somewhere in February 2010. But, the consumers will have to deal with hikes in rates till that time and the legislation will have no retrospective effect. So, during these next months consumers using credit cards are bound to be careful. According to the new legislation consumers under the age of 21 will find it more difficult to obtain a credit card. Any rate hikes are also banned under this with the exception of consumers who are late by more than 60 days. They can hope to get their rates back to the original rate if they pay the minimum amount over the next 6 months.
Possible aggravation of the credit card crisis 
This bill will cause the banking industry to suffer great losses and is being decried by them. They point out that this bill will only aggravate the existing credit crunch and will most probably end up in the banks having to ditch a number of risky credit cards. Meanwhile, the American Banker’s Association has threatened to reintroduce higher interest rates for all credit card holders along with the charging of annual fees. This course of action will effectively penalize those consumers who have been paying their bills on time and building good credit.
Increasing interest rates and fees
Over the last few months of this year the credit card companies have been steadily increasing interest rates and fees by a significant percentage according to a report by the Federal Reserve board. 80% of all American families have at least one credit card. Out of this number only about 44% of these families who use credit cards carry a balance. This legislation should not be construed as a means of escaping the payments that are due on a credit card by fiscally irresponsible consumers. It would also be ideal if a way could be found to accommodate those who have made regular payments and generally looked after their credit rating.