Students Of Success

A frequently advanced complaint by disparagers of the faxless no credit check payday advance business pinpoints the p.a. rate universally levied upon a short term payday bridging loan which can compound to a multiple of the payday advance issued.

As is well known, the annual percentage rate or “APR” is merely a widely accepted metrics to tag the total amount of interest a borrower will have to pay for an entire year. This APR endows us with an established tool to realistically gauge which financial instrument exhibits a higher or lower costs to the average borrower, together with added charges that will be exacted.Doubtlessly the annual rate of interest may be dubbed a highly positive formula relating to financing traversing a span of at least 12 full months .Unfortunately, in respect to 2 week payday cash advances the rates of interest p.a. are less helpful.

Why not liken fast cash advances to deciding on a taxi to get home from the office meeting. It might cost you forty dollars to get home in this manner. Yes, forty dollars qualifies for anythin but a trivial sum to spend on a ride home all the same many people will do it because it is accommodating and it accommodates a specific demand. Yes, we all know that one could hire a car for a whole day for only forty dollars to drive as many miles as we wish.

Ok, now let’s just say we do that— i.e. rent that car and drive it for 400 miles during the one day we’ve rented it. Of coursethe exponents of APR would probably assert that we need to annualize these figures to get sensible comparisons. Ok, let’s check this. So we’ll take the price of our taxi ride ($2 per mile times 400 miles) making for 800 bucks. The “annualized” equivalent of the rental car approach via the taxi ride in question is $40 contra $800. Obviously, you and I should know by now that car hiring we chose wouldn’t have been our best option, no matter how much more expensive that “APR” was in this case.

It’s exactly the same with short term payday bridging loans. Fast cash advances are limited to two weeks, they’re not annual loans. The extravagant “APR” doesn’t constitute a reliable indicator since this specific type of loan doesn’t bridge the full year. The interest charge tallies as fifteen to twentyfive percent for the loan. That fast cash advance is a steeply priced choice and should not be taken up without prior consideration of all feasible alternate options.

Of course, they can be a tremendous help when trying to survive a financial plight. Nevertheless they are not meant to constitute intermediate or long term liquidity tools. (You can dig deeper into the topic of how to get a payday advance here.)

GOLO GOLF GRUB

Fuel for the golfer.

“A good diet can not make an average athlete great, but a poor diet can make a great athlete average.”

-David Costill, Ball State University, Indiana

Golf is a lifetime sport that both men and women of all ages enjoy participating in. However, for the competitive golfer, it is a test of the athlete’s physical and mental endurance. While equipment and physical fitness are important to the game, a balanced diet is often the most overlooked aspect that all serious golfers must consider.

DEFINING A BALANCED DIET

For golfers, a balanced diet begins with eating at least 50% of your total caloric intake from carbohydrates such as whole grains, breads, pastas, rice, fruits, vegetables, and low-fat dairy. Carbohydrates are the body’s preferred energy source during activity. It fuels the brain and nervous system, preserves protein while helping to burn fat. Consuming carbohydrates during activity helps maintain blood glucose levels, allowing the golfer to have improved concentration.

Protein is another important macronutrient to incorporate into the balanced diet. Have 6 to 8 ounces of protein daily, and choose lean protein sources such as chicken, fish, round or loin cuts of beef, beans or legumes. Protein is needed for growth and repair of muscles, and helps regulate body processes as enzymes and hormones.

Fat is the final macronutrient in the balanced diet. Fat, like carbohydrate, provides fuel for working muscles, but it is a more concentrated fuel source. Recommended fat intake is the same for athletes as for all healthy people - no more than 30% of your total calories coming from fat. This is approximately 4-5 servings of fat (based on 2000 calories). One serving of fat equals 1 teaspoon of oil or margarine, 6 nuts, or 2 teaspoons of peanut butter.

FILL UP ON FLUIDS

Hydration is an imperative component in the successful golfers game. Consuming adequate fluids before, during and after playing golf is beneficial. Even a slight decrease in bodyweight due to dehydration can affect your performance and result in fatigue & mental dullness. Consume approximately 8 oz of fluid before tee time. While golfing consume 4-8 oz of fluid every15-20 minutes or at every hole. If celebrating with alcoholic beverages is planned at the 19th hole, alternate fluid (nonalcoholic) with alcoholic drinks. Alcohol acts as a diuretic and actually increases fluid loss, so it is not a good choice for the replacement of fluids lost during the round of golf.

To help your performance try these nutrition tips as you eat for “peak performance!”

BEFORE THE MORNING ROUND

• 1 cup oatmeal
• 1 banana or 1 cup orange juice
• 1 cup skim milk or 1 cup nonfat yogurt
• 2 slices whole-wheat toast
• 2 teaspoons margarine

AFTER THE 9TH HOLE

• 12 ounces Sports Drink
• 2 tablespoons peanut butter and crackers
• or
• 1 piece of fruit
• or
• 1 granola or cereal bar

POST GAME

• Don’t forget to re-hydrate as mentioned above!
• 3-4 ounces grilled chicken breast
• 1 cup brown rice
• 1 cup steamed broccoli
• 1 cup mixed greens salad
• 2 teaspoons low fat dressing
• 1 cup fruit salad

These are just a few tips to jump start proper fueling as an important and integral part of your training program. Each athlete is unique and has different training schedules, food preferences, lifestyle factors, and weight concerns. For a more individualized assessment and recommendations for your needs submit a rquest at: www.GoLoGolFitness.com

William Breland has been a Physical Therapist for over 25 years. He is the ONLY Board Certified Clinical Specialist in Sports Therapy and Touring Golf Professional in the United States.

GoLo Golf Grub is a trademark of GoLo Golf, LLC, www.GoLoGolFitness.com

william@gologolfitness.com

Despite the fact that accurate nutrition information can be accessed by almost anyone with an Internet connection or a library card, the 21st century has picked up where the last one left off: one dominated by poor eating habits.

The reason for this national dietary deficiency is not due to any single source or kind of nutrition misinformation. Nor can it be said that a lack of interest or effort on the part of health-conscious Americans is to blame. Actually, there are more health-conscious Americans than ever before. The problem of poor eating habits is not a strategic, idealistic, or tactical one it is a logistical dilemma.

Americans of all ages live such busy, fast-paced lifestyles, that eating nutritious meals is seen as something of a luxury to be enjoyed on special occasions or when one rarely has a few hours to prepare a complete meal. Seldom is this healthy eating challenge more pressing, however, than for the typical business traveler[i].

The second biggest source for unhealthy food in the life of a typical business traveler begins at the airport. The vast majority of these hubs of transit activity offer travelers a selection of fast foods or snack foods that are usually very high in carbohydrates, unsaturated fats, and loaded with calories.

Yet if the airport or station is the second biggest source of unhealthy eating, then what is the first? Without doubt, it is on the airplane itself.

In the past, the criticism levied against airline food was its sheer tastelessness and lack of variety. Yet as the overall awareness of nutrition - and lack of nutrition - in some food sources has grown over the past decade, a related distress has grown over the nutritionally flawed food that most business travelers are subjected to while en route.

Indeed, according to a study by the American weight-loss program organization Nutricise[ii], the average meal served by airlines in all service classes tops 1000 calories. This high number for a single meal is more than half the daily total number of calories for “average eaters”. Yet this problem goes beyond calorie counting. Almost 45% of the 1000+ calories in an airline meal come from fat which is a full 15% more than some experts recommend as the 30% optimum daily fat-from-calorie level[iii].

In response to this challenge, some airlines are offering more eating options for business travelers, including vegetarian and vegan meals that are typically (though not always) lower in saturated fat, calories, and sodium. However, a 2003 study[iv] by the Physicians Committee for Responsible Medicine (PCRM) regrettably noted that of the 10 airlines surveyed, only 1 of the 10 was observed to provide easily available healthy eating choices. 3 of the 10 airlines offered some degree of healthy eating options, though planning ahead was necessary — something that is not always feasible for business travelers. The remaining 6 airlines surveyed were criticized for providing little or no effort at offering vegetarian (i.e. low-fat, low sodium, low calorie) in-flight eating options.

On top of this, business travelers are faced with yet another eating challenge that those not in the air are not forced to address. Whereas most people “on the ground” can physically leave a restaurant or deliberately choose to purchase food that conforms to a healthy eating regimen, those “in the air” are often forced to accept what they are given. Most business travelers are typically short of time and running from meetings to airports and back again. Therefore, the decision to eat the high-fat, high-calorie, high-sodium, and altogether unbalanced airline meal is often better than the alternative of not eating at all.

While some awareness is creeping into the world of business traveler nutrition, thanks in part to the work of the PCRM and others, this awareness is not spreading quickly enough. Business travel in the US comprises over 200 million person-trips per year[v] and this means that a lot unhealthy meals are awaiting a lot of business travelers who, quite frankly, need more nutritious food.

There have been some attempts to respond to this massive business traveler need, including a halfhearted effort by most airlines to revise menus. There have also been several “nutritional supplement” options, typically in fluid or bar form, that have proposed to help fill this business traveler nutritional gap.

Unfortunately, like the revised airline meal effort, the vast majority of these supplements fall short of providing a high-protein, low-calorie, low-carbohydrate nutrition that travelers need. Furthermore, the handful of products that have in some sense met these protein, calorie, and carbohydrate requirements are usually devoid of essential nutrients.

However, a small number of nutritionally wise products are generating positive feedback from business travelers, both for nutritional value content, and for traveler-friendly fluid containers that can take a great deal of airport bag handler abuse. Furthermore, since these products are liquid, they can be ingested easily without needing to be diluted, mixed, or taken with large amounts of water or other fluid.

Taken as either a supplement or a meal on its own, these intelligent and scientifically validated nutritional products - which offer a complete range of essential vitamins - help business travelers stay healthy in ways that fit into their busy, time-conscious lives.

About Protica

Founded in 2001, Protica, Inc. is a nutritional research firm with offices in Lafayette Hill and Conshohocken, Pennsylvania. Protica manufactures capsulized foods, including Profect, a compact, hypoallergenic, ready-to-drink protein beverage containing zero carbohydrates and zero fat. Information on Protica is available at www.protica.com. You can also learn about Profect at www.profect.com.

References

[i] Source “Tips for Eating Healthy Away from Home”. BetterHeathUSA.
http://www.betterhealthusa.com/public/267.cfm

[ii] Source: “Healthy Eating on the Road”. Business Traveler Center Magazine.
http://www.businesstravelerusa.com/articles.php?articleID=291

[iii] Source: “Fat Lowering Tips”. Ask The Dietician.
http://www.dietitian.com/fatlower.html

[iv] Source “Doctors Rate Airline Food for Healthy Options”. The Physicians Committee for Responsible Medicine.
http://www.pcrm.org/news/health031117.html

[v] Source: “Travel Statistics and Trends”. The Travel Industry Association of America.
http://www.tia.org/Travel/traveltrends.asp

Copyright 2004 - Protica Research - http://www.protica.com

Today you are going to learn to make your opt-in list SCREAM with subscribers who will eagerly await for every e-mail you send.

This method is kind of a “secret” that is kept from many opt-in list owners and I might very well cause some friction for giving this info out.

But that is what I do…give you the “no fluff and bull” approach to success.

Okay, lets get right to it…

In order to make your list “sing” you must interact with your subscribers.

You must make them “feel” like a part of your family.

To do this you can use the simple but powerful method of…Surveys!

Yep. Surveys.

This is your key to a proactive opt-in list.

In order to have a responsive list, you must know exactly what your subscribers want.

Here is how you can accomplish this…

Simply write an e-mail to your list and ask them very pertinent questions.

Ask them their “wants and needs”.

Ask them what type of products/services they would like to see in your publication AND are willing to pay for.

Ask what type of articles help out the best.

Simply interact with your subscribers. Make them your friend.

You can also run a more elaborate survey that uses a program to gather and produce your results.

A good program for this is “Survey Monkey” and you can find it at http://www.surveymonkey.com

Its a free program by the way.

Survey Monkey tabulates the results to every question and is great for gauging the effectiveness of your survey.

So in a nutshell, here is how it works.

–Make your subscribers your friend.

–Ask your list their “wants and needs”.

–Compile the results

–Give them what they ask for!

Follow this simple method and watch your opt-in list EXPLODE!

Gary will “pre-build” you a fresh opt-in list of 5,000
opportunity prospects and teach you his proven method
to quickly and easily use your new list for maximum
profits and results. To get your list click here:
http://www.jempublishing.com/optin.htm

Not long back, the concept of dental treatment was limited to removal of teeth and replacement with dentures. But with new advancement in the field of dental sciences, there’s hardly any need for removal of teeth if the problem gets diagnosed and cured at a proper time. Today, there are number of specializations in the field of dentistry, each dealing with a different aspect of the tooth problem.

There is prosthodontics dealing with replacement of teeth with beautiful crowns, bridges and dentures, orthodontics alignment of irregular teeth and jaws with invisible and visible braces, periodontics treatment of gum problems, specialized problems of children’s teeth et al. Besides all this, stress is being laid on cosmetic dentistry and smile designing which includes enhancement of facial aesthetics with new dental procedures such as bleaching and veneering of teeth.

Bleaching is a process that involves whitening of discolored or dark teeth by means of chemical agent. This procedure can be performed either in the dental clinic or even at home. In the clinic, the procedure involves application of a bleaching agent on the teeth and making appropriate sized impressions of the teeth of the individual patient then loading of trays with chemicals for their application on the teeth for one to two hours. Depending upon the degree of discoloration and cosmetic results desired by the patient, the procedure is repeated.

The other new advanced procedure involves application of a bleaching agent directly on the teeth by the dentist, without any use of trays and without repeated sittings. This procedure can be completed in just one or two sittings of 30-45 minutes.

Another technique is prescribed by dentists for use by patients at their homes. This involves making of individualized trays of a patient followed by loading of the trays with the chemical agents by patients as per their dentist instructions and then keeping them in the mouth usually for a period of six to eight hours. The total treatment time is usually 15-20 days. The advantages of in office bleaching technique are that it is totally under the dentists control, the soft tissues of patient are protected and it has the potential of bleaching teeth very rapidly and successfully.

The two most common side affect of bleaching is temporary sensitivity of teeth and irritated gums. Go on; get a set of bright, sparkling teeth.

C Gates a veteran of the alternative medicine industry and has a wealth of knowledge and expertise on finger nail fungus treatment. More info: http://www.toenail-fungus-treatments.com/