admin / April 13, 2023

Best Investment Ideas and Best Safe Investments for 2012

Here we list some of the best investment ideas and tackle the challenge of finding the best safe investments for 2012. What might appear to be one of the best investment ideas to the uninformed could turn out to be one of the worst.Looking at the big picture for investment ideas in 2012, moderation in asset allocation and a balanced investment portfolio will be the most basic key to success. There are 4 asset classes, and average investors need to spread their money across at least the first three to keep their overall portfolio risk moderate. The 4 categories in asset allocation are: safe investments, bonds, stocks and alternative investments like gold and real estate (optional). Asset allocation can be simplified, because there are mutual funds available to average investors that represent each of the 4 asset classes. Now let’s get more specific about the best investment ideas for 2012 starting with safe investments.Safe investments earn interest and do not fluctuate in price. You will need to look outside of mutual funds in 2012 to find the best safe investments because record low interest rates have taken yields on money market securities (and hence money market funds) down to just about zero. One of the best investment ideas if you have an account with a discount broker or major mutual fund company is to shop for one-year CDs paying higher rates if you can’t get competitive rates from your local bank. Do not tie your money up for longer periods just to earn a little more interest. One of these days interest rates will go back up and you will be locked in at a lower rate and face penalty charges if you cash in early.Finding the best safe investments will be truly challenging in 2012, but here are some more investment ideas. If you are in a retirement plan like a 401k that has a fixed or stable account option do not overlook it. You can often get a much higher interest rate there (maybe 4% to 5%) than anywhere else outside of your retirement plan. If you own an older retirement annuity or universal life insurance policy, it might have a fixed account you can add money to that is guaranteed to never pay less than 3% or 4%. Remember, truly safe investments like U.S. Treasury bills and bank money market and savings accounts are paying WAY LESS than 1%!Over the past 30 years bonds and bond funds have become a favorite with investors because they have been consistent performers and returned on average about 10% per year… basically about equal to what stocks have returned, but with considerably less risk. Many investors have fallen in love with their bonds funds and consider them to be among the world’s best safe investments. Bond funds are NOT safe investments. They have performed well since 1981 (when interest rates and inflation were at record highs) for one primary reason. Both inflation and interest rates have been falling for 30 years, which has sent bond prices higher. Loading up on bond funds now is NOT one of the best investment ideas for 2012. In fact, it is one of the worst investment ideas.When interest rates and/or inflation turn around and head upward bond funds, especially those that hold long-term bond issues, will be losers. That’s how bonds work. One of the very best investment ideas for 2012 is to sell your long-term bond funds if you own any, and switch to funds holding bonds with average maturities of about five years. These are called intermediate-term bond funds; and average investors should have some money invested here as part of their asset allocation strategy to add balance to their investment portfolio. These are not truly safe investments, but they are much safer than long-term funds.My best investment ideas in the stock department focus on stock funds. Do not go heavily into the more aggressive funds that invest primarily in growth and/or small company stocks. These pay little if anything in dividend income and tend to be more risky and volatile than the average stock fund. Go with funds that invest in high quality large-company stocks with excellent dividend paying histories. Look for funds that are paying 2% or more in dividends. One of the best investment ideas for 2012 and beyond: invest in no-load funds with low yearly expenses. No-load means no sales charges, and low expenses mean higher net returns to the investor.Alternative investments include the likes of real estate, gold and other precious metals, natural resources, commodities, foreign investments and so on. One of the best investment ideas for managing a truly balanced investment portfolio is to include this fourth asset class as well. The simplest way for the average investor to add these alternatives to their portfolio is with mutual funds that specialize in these areas or sectors. My best investment ideas here: don’t go heavily into any one area, and don’t chase after a sector (like gold) just because it’s hot. Real estate and natural resources funds would be my picks as two of the best investment ideas in the alternative investments asset class.Moderation and diversification across the asset classes will be the key to asset allocation in 2012. I have also listed some specific best investment ideas for keeping the average investor in the game and out of serious trouble should the investment scene turn ugly. Above all else memorize this: long-term bond funds are not among the best safe investments for 2012. They are not safe investments, period.

admin / April 13, 2023

The 12 Universal Laws – Hidden Secrets to a Harmony Life

We live in a universe governed by the universal laws. These Universal Laws are based on the understanding that everything in the universe is based on energy. Our every thought, feeling, word and action is also a form on energy. In order to live in harmony in the universe and get what we want in life, we need to truly understand how these universal laws is governing our life. Below are 12 important universal laws that we need to know.Law 1 – The Law of Divine OnenessThe first law of the universe is the law of divine oneness, which means that we are all connected. Our every action will affect another person in some way, whether this is happening directly or indirectly.Law 2 – The Law of VibrationThe concept of the law of vibration is that everything in the universe vibrates. We are all connected at the lowest level to one another, though we may be vibrating at a different speed and frequency. A negative thought process will produce a negative vibration, whereas a positive thought process will produce a positive vibration.Law 3 – The Law of ActionThis law depicts that in order to make something happen, you have to take action. You must take the actions that support your thoughts, feelings and dream within you to fulfil your desires. Success doesn’t just happen, but it will happen when you put your effort and being persistence.Law 4 – The Law of CorrespondenceThe outer world corresponds to your inner world. Your experience in life is merely a reflection of your mindset. This means that if you want to achieve happiness, then you must mirror it internally. For example, a positive attitude will enable you to perform better in any area of life.Law 5 – The Law of Cause and EffectThe law of cause and effect basically dictates that everything happen for a reason. In other words, every event occurs as a result of something. Our action produces result or outcome. This can also be known as sowing and reaping.Law 6 – The Law of CompensationThis law depicts the blessings and all the great results that we get based on our past actions or our deeds. We will be compensated for what we’ve done. It is the application of the law of cause and effect.Law 7 – The Law of AttractionThis is one of the most popular and common universal laws. The law of attraction is basically associated with the fact that ‘like attracts like,’ which means you will attract what you think and feel. We will create our own reality by energizing it to happen without thoughts, feelings and actions.Law 8 – The Law of Perpetual Transmutation of EnergyThis law of the universe asserts that all energy is in motion and will eventually manifest into physical form. For example, your positivity or negativity will eventually surface into your life regardless of whether you want it to or not. If we want to change our life, we have to change the negative energy to the positive.Law 9 – The Law of RelativityThe universal law of relativity basically states that nothing in life means anything until we relate it to something. It is based on what and how we want to relate to a situation or things in life. We could see something as a difficult and ultimately create our own roadblock or we choose to see it positively where we will find our way.Law 10 – The Law of PolarityThis law states that everything in the universe possesses a polar opposite. What this means is that where there is the potential to lose, there is also the potential to win. Where there is the potential to fail, there is also the potential to succeed. This means that things that seems to be opposites are in fact the same thing with two extremes. By consciously control our thought, giving out good energy, we can transform our thoughts from hate to love, from fear to courage.Law 11 – The Law of RhythmThe law of rhythm is about everything in the universe has its own rhythm. This rhythm tells us that everything has its tides, cycles, seasons, rise and fall and stages in life. When something reaches its culmination point, the opposite swings will starts to happen. At this point, the good things or forward movement is reversed and subtly without our awareness. It is important to be aware when things starts to work backwards. With this awareness, we can preserve and eliminate negative impact and keep yourself to raise on top of the challenge.Law 12 – The Law of GenderThe law of gender states that everything in nature has its own masculine and feminine side of principles. Just like Yin and Yang, we can always create balance in life to work in harmony with the law by utilizing these 2 qualities to support one another.

admin / April 13, 2023

Living a Healthy Lifestyle Is Easier Than You Think

Happiness is bestowed in a healthy lifestyle. The term ‘healthy lifestyle’ may sound arduous until you discover it by yourself. A healthy lifestyle undoubtedly gives a magical touch to your life. And what if this magic is created with the least possible effort? Yeah, you’ll surely enjoy it. Adapting it is much easier and enjoyable than it seems. If not exaggeration, it is the only way of getting yourself out of this wrecked lifestyle. Let us now look into few easy steps which help in acquiring a healthy lifestyle.Just need to make small changes
Nothing will come easily, but healthy living will. Healthy lifestyle may be projected as hectic task, but in reality all it takes is very few changes in your regular living. These small adjustments in your lifestyle may require you to forego few ailing habits, like laziness, drug or alcohol abuse, unhealthy food habits, sedentary lifestyle; and adapt few good habits such as, thinking positively, being dedicated, getting active, living natural, keeping clean and most importantly loving yourself. These small changes here and there in your existing lifestyle will definitely make a great difference.Exercise can make difference
A healthy body is marked by active lifestyle. Nothing can make a body active the way exercise does. Sedentary lifestyle can take you nowhere. The only way you can make your body happy is by moving it. Exercise is known to strengthen your body, act as a stress buster and moreover it is the natural way of maintaining your body and allowing it to perform its regular functions properly.Simple ways to burn calories
Obesity is a curse to your body. Burdening your body with the unwanted calories will only end up impairing your bodily processes. Simple activities such as taking regular breaks from sedentary lifestyle, walking, stretching, cycling, swimming, dancing, jogging, rowing, elliptical workouts etc., act as great ways to burn calories.Healthy diet – what to include
Healthy diet and healthy living go hand in hand. Having a balanced diet is very crucial for living healthy. It is very much important to keep yourself away from unhealthy junk food, which has high amounts of unsaturated fats, cholesterol and sugar.Healthy diet should include a variety of food items such as fruits, vegetables, meat, drinks and much more, which can meet the basic requirements of nutrients, minerals, fats, proteins, carbohydrates, fiber, sugar, and so on. Some of the food items which are needed to be included in daily diet are cereals, green salads, fruits, dairy products etc.Get enough sleep
Body needs rest, without which it becomes completely exhausted. In that case, however much good diet or positive way of living you adopt, everything goes in vain. A body needs to rejuvenate its cells regularly in course of working to resume its functions with regained energy. Nothing can replace the role of sleep in terms of providing relaxation to the body. Hence enough sleep is a must to lead a healthy lifestyle.Balance between work and play
Healthy living demands a stress free life. To lead a stress free life, one needs to create a perfect balance between work and play. Monotonous lifestyle is always boring and more importantly discouraging. Taking break from work and indulging yourself in your most liked hobby or activity will surely shoot up your energy levels. This will also enhance your creative side.Stay in a good company of friends and family members
A healthy lifestyle is a combination of physical and mental well-being. A wholesome life is obtained by having good health, good work environment and healthy relationships. Being in a good company of friends and family members motivates and inspires a person.Stay away from substance abuse
Ditching bad habits is as important as embracing new habits to lead a healthy lifestyle. Substance abuse is one of the major obstacles for healthy lifestyle. This has become more rampant these days. Addiction to harmful drugs or alcohol will make an individual forego his beautiful future. Hence, if you aspire to have healthy future, it is suggested to stay away from drug abuse.All the above mentioned points help us in maintaining a healthy lifestyle. Living a healthy lifestyle in itself is never hard, but it is the mindset that makes it appear so. When few simple changes can add wonderful meaning to your lifestyle, then why not embrace them.

admin / April 13, 2023

Difference Between Payday and Personal Loans in the UK

DEFINITION OF PERSONAL AND PAYDAY LOANSMost people feel that payday loans and personal loans are one and the same thing, but this is not at all true. They may seem similar, but they have many big differences which set the two options at opposite poles. One should consider the credit and the amount one needs to borrow to know what one qualifies for before one applies for it.Personal and payday loans are both useful when one requires an extra boost in finances, but this is the only similarity between them. The factors that vary are the term, cost and the amount among other different finances.DIFFERENTIATING FACTORSThe loan amount also differs when it comes to a comparison between the two. Most banks in the UK do not lend less than 1000 pounds for a 12 month period in case of personal loans.When it comes to cost comparison, personal ones are considerably cheaper with a maximum APR of 29.9% but one needs to have good and excellent credit. Payday loans can be usually more expensive, but it does not require any strict credit requirement.When it comes to loan term, personal loans offer around 5 years maximum as the loan tenure. Payday have a shorter term of around two to maybe four weeks that can go upto 12 months.When it comes to eligibility, personal loans which are offered by credit unions and banks have very strict criteria for eligibility. They generally require borrowers to have a good credit along with a fairly strong financial background. Payday loans seem much more flexible in comparison as lenders only require that the borrowers have a proper and regular source of income for qualifying.Personal loan lenders are online lenders, banks, peer to peer lenders and credit unions whereas payday loans are offered by those lenders who specialize in check cashing services and short term lending.PAYDAY OR SHORT TERM LOANSPayday loans, auto title loans and instalment loans have high fees and rates which could trap a person in a debt cycle. The person could be forced to take a second or even third loan just because they couldn’t pay the first one in the stipulated time limit. Alternatives to short term loans like local resources such as local charities, government agencies and non-profits offer relatively free services for financial needs and also help with rent, food and utilities for those people who are in dire need of it.One can also get payment extensions by talking with the concerned bill providers regarding an extension or a longer time frame or payment plan if one is behind on his or her payments. One can also take side jobs to catch up on the payment.COST FOR EACH OPTIONThe payment cost varies when it comes to payday loans versus personal loans. The interest rate that you will receive along with the terms is based on the individual’s credit history and if one has collateral or not along with the amount you borrow and the stipulated loan term.Payday loans whereas have APRs of three or four digits (100%-1000%). The actual total cost depends on the state of living of the borrower. APR represents the yearly cost which is important to note.DECIDING THE RIGHT TYPE OF LOANDeciding whether to opt for a payday loan or a personal loan depends on the amount of money that the individual intends to borrow and it also depends on the person’s credit. If one needs to borrow around 50 pounds to 1000 pounds, he or she can opt for a short term loan as personal loans require the person to borrow a minimum of 1000 pounds to around 2000 pounds.One must also consider the time factor. Short term loans offer faster times for the turnaround when compared to personal loans as it involves less approval process. Nowadays, more and more personal loan providers are shifting online hence they have almost the same processing speeds similar to short term loans like payday loans.Credit history is also an important factor. If the borrower has excellent credit scores, they are more likely to save money by obtaining a personal loan at lower interest when compared to a payday loan which will be available at higher cost.The total cost of the loan depends on the borrower’s monthly payments and also depends on the total amount to be repaid which depends mostly on the interest rate. One should always compare and consider various different options and check on online calculators offered by the lender to see which mode of loan is best suitable for your needs and how much one will need to repay.ALTERNATIVES AVAILABLEThere are many alternative options available to personal loans and payday loans which can be beneficial to the borrower. One can borrow a small sum or amount of money without the need for the borrower taking on a payday loan.Another short term loan is an installment loan in which the borrower repays the amount in a single lump sum. Thus, personal loans and payday loans for bad credit can be beneficial only when one carefully examines which loan type is best suited for his or her needs.

admin / April 13, 2023

Pet Wellness – Veterinary Medicine Loses to Big Pharma

Well it’s confirmed. The takeover of veterinary medicine in the US and other first world nations is confirmed. Big Pharma has finally made it to the finish line. Should pet owners and their pets be happy about this take over? Well, I wouldn’t start planning the party just yet because according to many vets out there this is not something to be happy about. What does this mean for pet wellness and natural pet health care?Because of the massive profits that can be generated through pets, these drug companies for decades have spent much time and effort in an aggressive campaign to rewrite vet school curricula, influencing veterinarians and brainwashing pet owners into thinking their pets need drugs in order to thrive and be healthy. Thanks to advertising funded by greedy uncaring drug companies, most consumers already show a cult like belief in pharmaceutical medicine. So, for Big Pharma it was easy to convince pet owners that their animals need the same.It is common practice nowadays for vets in the US to practice chemical based medicine on pets. Immediately upon diagnosis, the pet owner is given a prescription of an expensive patented pharmaceutical – a so called instant fix to be given to their pet. If this is not enough, the FDA has given approval for Prozac, a super mind altering drug prescribed to dogs, as well as many common drugs for people are now being used on pets. This includes chemotherapy drugs for cancer treatment. Alongside this, common pet ailments such as arthritis, diabetes, heart disease and depression are also being treated with harmful medications without even the mention of natural pet health care as a healing property.Needless to say, pet wellness is now in rapid decline and pet owners really need to be vigilant in their pet wellness practices, and look for a better option to heal their pet’s illness. Any vet practicing for more than ten years will tell you that the result of the Big Pharma take over is that dogs and cats and other animals are sicker than ever. These vets have seen an increase in the rate of liver disease, nervous system disorders, cancers and diabetes. This is because pets are being regularly poisoned by bad pet food and medicines. Even popular flea and tick medication on their own are highly toxic to your pet’s liver.Big Pharma influence has turned veterinary medicine into a joke, right alongside the conventional medicine system for humans. No longer is the goal of medicine to heal anyone. The goal now is to profit by treating managing diseases without actually curing or preventing them. Why would they do this? Connect the dots. To benefit from repeat business and a lucrative one at that! Let me not even touch on the rates veterinarians are charging these days particularly in emergency care. The fees are outrageous! And the audacity of pet clinics who are taking advantage of people’s kindness when they rescue a pet charging $500. for saline solution! These pet clinics are exploiting human kindness for high profit. How many people do you think will now have no choice but to think twice before they rescue a wounded or helpless animal?So what do pet owners do when faced with a situation where their precious pet needs medical help? Thankfully there is another route for pet wellness with holistic practitioners in veterinary medicine. These practitioners are more plentiful in veterinary medicine than in human medicine.Why the pet wellness route of pet natural health care is the direction to go.1. Holistic veterinarians understand nutrition, herbs, homeopathy and other natural modalities.2. Holistic veterinarians prescribe solutions and treat animals in ways that are outlawed in human medicine – because these solutions have a silver lining – they work!3. Holistic vets are more often in their line of business for the love of animals and the belief in a natural system of medications for ailments. This makes them human as opposed to donkeys that are always trying to pave their financial future by exploiting sick animals and the love pet owners have for their pets.My dog’s holistic vet, Dr. Andrew Jones once made a statement that I have never forgotten. “Any vet who thinks a dog is depressed and needs antidepressants should frankly have their license revoked and banished to a distant island over populated with sexually aggressive baboons!” I wish I could somehow show you the expression on his face when he said this and how although I laughed from his choice of words I also thought – this guy is seriously angry about the situation. Not surprising as he is one those vets who do what he does for the love of animals and his belief in natural medicine.When we look at the horrifying toxicity in pet foods in combination with pharmaceutical medicine, the future of mainstream pet wellness is quite dim. Many brands of pet food claiming to be “scientific” brands are really just crap. Only specialty pet food companies offer genuinely healthy, toxic free pet food.Mainstream veterinary practices amount to nothing more than chemical abuse of dogs, cats and other animals. Sadly, this industry has swiped ethics for profit and no longer has any interest in helping to improve the quality of life of our pets. Nutrition has been dismissed and replaced with a system of chemical invasion leading to worsening long term health. The same has been taking place in human health care for years now, which is why holistic practitioners in human and pet health care are speaking out and giving us another avenue of hope for ourselves and our pets.The proper use of pharmaceuticalsPet wellness practices tell us it is important to understand the other side of the coin for just a minute. Some chemical medications do have a role in quality veterinary care. For example:1. Pain killers – have a useful but limited role.2. Antibiotics – can be helpful in certain situations.Be careful because antibiotics, even in human medicine are massively abused around the world.Be wary that treating dogs and cats with antidepressants, chemotherapy, diabetes drugs, statin drugs, osteoporosis drugs and other such chemical agents is absurd.Make no mistake that most pet health conditions can be prevented and cured with good nutrition. More problematic health ailments can be economically and safely solved with herbal therapies and naturopathic modalities best known as natural pet health care.Pet Wellness Things to Do – Right Now!1. Switch to a healthy, natural, holistic pet diet. Make fresh meals from scratch whenever possible. Dr. Jones told me that pets should not be raised to live regularly on processed foods. Read the report: Pet Food Ingredients Revealed2. Take an appointment with a holistic vet to investigate how he is a more suitable practitioner for your pet. Because state authorities are trying to de-license naturopathic vets, holistic or naturopathic animal care experts often do not have the same licensing credentials as regular vets. This is happening because Big Pharma owns state licensing boards and naturopathic animal care experts pose a threat to their newly found gold mine. You will most likely have to seek out naturopathic animal care experts on your own and ignore the state licensing boards. Dr. Jones explained to me that in his experience he has found that licensing credentials are essentially useless. Often times the more credentials a vet has the more deeply he is brainwashed into a pharmaceutical approach to veterinary medicine. Please consider replacing your regular vet with a holistic or naturopathic animal care expert once you have completed your investigations.3. Go back to basics. Nutrition, exercise, disease preventing and natural pet health care.Just like in the dieting world, don’t be suckered in by the “miracle pill.” What animals need, just like people, is strong nutrition and natural medicine from nature. Pet wellness means utilizing natural pet health care solutions, raw food diets, and naturopathic animal health care.Mike Adams makes some interesting points.The main thrust of his article is to get YOU to think about what is happening conventionally, and question why.1. Take matters into your own hands. Whether or not you use a holistic Vet- question advice..then be aware of all of the treatment options.2. Get yourself educated on Natural Pet Health Care.You can go to school or take a home study course.3. Vary your pet’s diet- some Raw, some Home-Made and Kibble. Add a quality supplement.4. SPEND time being WITH your Dog and Cat. We all to often forget the more important mental aspect of health..5. The Vaccine thing again… as little and as infrequently as possible!!