Health Benefits – Humming a Tune Under Your Breath

There she goes again! Your best friend has been humming that peculiar song for the past week and she doesn’t seem to get enough of it! The neighbors have started recognizing her by the song she hums all the time. Sometimes it drives you crazy, but at other occasions you find yourself guilty of humming the same song.

Sounds familiar? Well, humming a tune surprisingly can lead to several benefits. Here are some of them:

Boosts memoryRepeatedly humming the same tune, lets the person memorize the song quicker. This is possible as the music is sung as well as heard by the person that ingrains the song in his mind.

Changes the moodThe people who have the habit of humming have better chances of dealing with quarrels and easily able to relax themselves while humming a tune. Needless to say, these people are able to control work-related stress more successfully than others.

Carefree personGenerally these people tend to have a carefree attitude towards life. They are less prone to depressions, personality issues and are able to manage their emotions in a balanced way.

Clears the voice and makes it melodiousAnother positive point about this habit is that humming, which is almost like a practice before the final show, helps in getting the vocal cords clear. It also teaches the importance of intonation while speaking or singing and makes the voice pleasant and melodious to listen to.

Improves concentration While humming something beautiful happens without anyone realizing it! The singer is so absorbed in the work and the music that he is living in the present and not worrying about being anywhere else in the world! The person is so focused in enjoying the moment that he is not bothered about other distracting things.

Difficult tasks become easy Humming a tune also symbolizes that the person likes whatever work he is engaged in. Consequently, even the toughest task comes naturally to him.

Humming a tune can be irritating at times, but it is one of the few things that are good to be contagious.

Medicinal Benefits of Raw Chocolate & Cacao

Medical professionals, nutritionists, and other professionals concerned about human health are now promoting raw cacao as a beneficial food. Even more potent in its positive effects on the human body than chocolate, raw cacao offers a rare, delicious way to boost personal well being.

What is raw chocolate?

Ever thought about where chocolate comes from? It grows on trees! That’s right, cacao beans which are the source of all chocolate are grown on a plant called the Cacao Theobroma, which literally means “the food of the gods.” Originating in the Amazon, the Cacao Theobroma plant is now cultivated around the world.

The Cacao Theobroma grows cacao beans which are relatively large seed pods that contain concentrated nutrients and other compounds that we use to make all know chocolate today. Cacao beans are sugar-free naturally and are made up of 12 percent to 50 percent fat depending on the growing conditions and the variety of plant being cultivated.

Many now tout raw cacao or raw chocolate as a superfood. For instance, raw cacao contains high concentrations of protein, calcium, phosphate, and other minerals which have been shown to have beneficial effects on tooth enamel! Who knew chocolate could protect our teeth! But there are many other nutritional benefits of eating raw cacao, especially if it’s grown organically.

Why eat raw organic chocolate?

Raw chocolate or cacao contains a long list of unique properties and beneficial minerals that can really help to fire up your health. In addition to making you happier and more positive, raw cacao can focus your attention and make you more alert. Like regular chocolate it can also make you feel like you’re in love.


Known as the “bliss” chemical, anandamide is a neurotransmitter that has been isolated in raw cacao. It is produced naturally in the brain and makes you feel happy and vivacious. Additionally, cacao contains enzyme inhibitors that suppress your body’s ability to break down anandamide which means this chemical will stay in your brain for longer, increasing the time you experience the positive feelings associated with this chemical.


Like regular chocolate, raw cacao contains powerful antioxidants. These chemical compounds are key to fighting off free radicals in our bodies that can lead to diseases like cancer and heart attacks. Antioxidant flavanoids found in cacao and chocolate have also been shown lower cholesterol and decrease blood pressure.

These benefits are found in products that contain high levels of cocoa solids. In fact, some studies point to higher levels of antioxidants in raw chocolate than in fruit, vegetables, tea, and even wine! Dark chocolate is therefore the best source of antioxidants of all the prepared chocolate varieties, but raw cacao contains even higher levels of these beneficial antioxidants.


This is another aphrodisiac-like amino acid that is said to help build muscle and aid in work-out recovery. It is about 33 percent more concentrated in raw cacao.

Caffeine and theobromine

Cacao can also have stimulating compounds such as caffeine and theobromine (a chemical related to caffeine), although these levels are relatively low because uncooked cacao has limited potency of these chemicals. These subtle amounts of stimulants can increase energy, improve alertness, and boost mood, and come in very small doses: about 70 mg in every 100 g of cacao.


According to some, raw cacao is the number one food source of magnesium, which is apparently one of the minerals Americans are commonly deficient in. According to Standard American Diet, close to 80 percent of all Americans have low magnesium levels! This deficiency may be the reason why women crave chocolate during their menstrual periods (menstruating depletes magnesium reserves).

Magnesium is an important mineral for balancing brain chemistry, building strong bones and muscles, aiding in sleep, and combating depression. Magnesium is also essential for having a healthy heart and supporting a robust cardiovascular system. Raw cacao contains about 131 mg of magnesium in every 100 g of cacao.

Monoamine oxidase enzyme inhibitors (appetite inhibitors)

MAO inhibitors (monoamine oxidase enzyme inhibitors) are likely responsible for reducing appetite when people eat raw chocolate. MAO is found in most nuts and seeds and can contribute to increased levels of serotonin and neurotransmitter activity in the brain. These further encourage weight loss naturally and facilitate feelings of youthful regeneration.


Phenylethylamine (PEA) is an adrenal-related chemical found in raw cacao that can also be created in the brain when we are in love. Raw chocolate is an excellent source of PEA and can play a role in increasing focus and alertness. It will also aid in lifting people from feelings of depression.

Serotonin and tyramine

These two compounds provide a calming effect on a person, giving raw cacao a balancing effect on mood and brain function. In general, 100 g of raw cacao will contain about 3 mg of serotonin and 2 mg of tyramine.


An amino acid that enhances relaxation and promotes sleep (know that feeling of drowsiness you get after a Thanksgiving meal? That’s tryptophan!), this chemical occurs naturally in raw cacao. In fact, it can have as much as 33 percent more than regular chocolate.

Potential downsides to raw chocolate

Possible weight gain

As we’ve already mentioned, raw cacao beans contain up to 50 percent fat, making them a high fat-to-calorie food. It is therefore wise to limit your intake of raw chocolate to avoid the potential of weight gain.

Toxic to pets

Chocolate is a known toxin for pets, but raw chocolate is an even greater risk of harming your animal companions. In general, the higher the concentration of raw cacao, the greater the risk of injury to animals. Therefore, keep your raw chocolate products well out of reach of your beloved pets.

Migraine trigger

Some believe that raw cacao (as well as some chocolates) can trigger the onset of migraines. If you are prone to this health problem, it is wise to consult your doctor before consuming huge quantities of raw cacao.

The Best 3 Tips For Hair Loss Revealed! How to Finally Put an End to Hair Loss and Grow More Hair

Are you losing your hair fast? Want to learn the secrets to put an end to the condition for good? Make sure you take prompt action without any delay to prevent baldness. Read this article to learn the best and most effective tips and methods that you can use to stop the disorder for good.

1. Massaging Your Scalp for Better Blood Circulation

Poor blood circulation is one of the causes of alopecia or baldness. When your blood circulation is poor, the essential nutrients will have problem reaching your hair follicles. Without those essential building blocks, your hair volume will suffer. As a result, your hair thins, falls and breaks.

Massaging your scalp several times a day can be the easiest way to improve the blood circulation in the scalp area. Doing so gives the blood flow in the scalp area a boost. The increased blood flow will help deliver more nutrients like amino acids and biotin to the hair follicles. Consequently, this will directly improve your hair's strength, volume and growth all at the same time.

2. Natural and Herbal Remedies for Alopecia

Many people have achieved great results in stopping and curing their alopecia conditions using just herbs. Most of these herbs contain natural DHT inhibiting substances and essential growth-stimulating nutrients. DHT or dihydrotestosterone is one of the major causes of hair loss.

Here's a list of some of the best natural remedies:

  • pygeum
  • horsetail extracts
  • saw palmetto
  • nettle roots
  • green tea
  • aloe vera

3. Biotin

Probably the most important nutrient for better hair growth is biotin. Biotin plays a very significant role in your body's hair manufacturing process. It's like the raw material to create the strings attached to your scalp. The lack of biotin in your daily diet can cause reduced hair volume and weak structure.

For this reason, it's very important for you to eat more biotin rich foods if you are serious about having a head of healthy hair. Biotin can be found in foods like eggs, cereals and brown rice. I also recommend taking a good multivitamin supplement that includes the vitamin.

I’m a Woman and My Hair is Thinning at the Crown – Tips and Advice That May Help

The other day, I received an email from a woman who told me that she was noticing a lot of thinning and scalp showing through at her crown.  She told me: “If I hold a mirror at the back of my head, I see that my part goes all the way to the back.  I can see my scalp back there and it forms almost a little L at the back of my head.  I’m so self conscious of it and I’m always trying to cover it up but I’m wondering if the all the teasing and spraying is making it thin worse. What is causing this and what can I do to fix it?” I’ll try to answer all of her questions in the following article.

Typical Causes For Hair Thinning At The Crown In Women: Actually the crown is a place that is very vulnerable to genetic or androgenic thinning and / or shedding.  Certain areas on your scalp – like the temples, the top, and the crown – are more prone to being affected by DHT and other androgens which can choke out the follicle, kick out the hair, and make the regrowth skimpy and thin so that the over all effect is much more sparse.

So, androgenic alopecia, (or genetic thinning due to age or oversensitivity to hormones), is the most likely cause in seeing more scalp at the back of your head.  But, it is not the only possibility.  You actually start out with less hair in the top of your head than in other areas on your scalp.  The temples are another example of this.  So, these two areas are going to be the first places that are noticeably affected if you are shedding or losing hair due to something else.

The next most common cause of this is probably telogen effluvium or shedding.  There are many reasons that this can occur (illness, medication changes, stress, skin issues, etc.)  but probably the most common cause of this in women is hormonal changes, like birth control pills (going off or on), or giving birth and / or becoming pregnant.  Sometimes, thyroid and adrenal changes can cause TE also.

As I said, any aggressive shedding or hair loss can cause noticeable thinning on your scalp.  But the crown is one area that begins more sparsely so it can be one of the first places that the loss is noticeable.  Other reasons for hair loss include autoimmune issues, allergic reactions, and any condition that can affect your skin or scalp.

How Do I Cover Or Treat My Thinning Crown?:  Your first line of defense is going to be your hair cut.  You want a cut or style that is going to push the hair up and away from the scalp. This often includes layered cuts (although you want to avoid harsh cuts that allow scalp to show through.) Curls or waves can help too.

There are also products now that are like little lifts that you put under your hair.  This lifts that hair up without your needing to tease it.  You basically just lay the hair over the lift. And, you really should avoid harsh back combing or teasing.  The hair here is often quite fragile and you could inadvertently pull more hair out. There are also powders that you get in the same color as your hair that you sprinkle onto your scalp so that the white of your scalp isn’t such a noticeable contrast.

A more long term solution is aggressively addressing the cause of your hair thinning or shedding. If you genuinely have telogen effluvium, you’ll need to wait it out, but you can most definitely stimulate your scalp to ensure that you have quick and healthy regrowth.

If you have one of the other issues (AGA, scalp issues, allergies, medical problems, autoimmune issues, etc.) then you will need to directly address and attempt to fix these things while simultaneously stimulating your scalp to help decrease the loss while increasing the regrowth. Because look at it this way, no matter how good you get at covering your thinning crown, the job is only going to continue to get harder if you have less hair to work with. 

What You Need to Know About HIV

HIV is an abbreviation for Human Immunodeficiency Virus. Acquired Immunodeficiency Syndrome or AIDS as it is generally called, is the result of this virus. When a person has AIDS, the immune system gradually breaks downs. The patient then becomes highly susceptible to infections and illnesses, which could even, be fatal. History dates its origin to June 5th 1981 in Los Angeles where the virus was found in five homosexual men. It was then called GRID or Gay-Related Immune Deficiency because people thought it only affected homosexual people. This theory was soon blown to pieces when cases were reported from all over. Today, AIDS has reached epidemic proportions. It has plagued most countries around the world and is considered a highly dangerous disease.

To gain a better understanding of HIV, we must first explore how it is transmitted.

a. HIV is a sexually transmitted disease. What does this mean? The mucous membrane lines different parts of the body such as the lips, genital areas, nostrils etc. When the mucous membrane comes in contact with sexual secretions of an infected HIV patient, the virus transfers from one to another. This is why the main cause for the spread of AIDS is unprotected sexual intercourse.

b. HIV is also transmitted through infected blood. Therefore, one has to take extreme precaution when undergoing blood transfusions. It is always advisable to go to a reputed hospital or clinic where infected syringes are not used. Intravenous drug users and hemophiliacs are at high risk to get HIV.

c. HIV can be transmitted from a mother to a child either in the womb, during childbirth or duing breast-feeding. The chances of this happening have been reduced with drugs and other procedures.

Some of the early symptoms include sinusitis, bronchitis, otitis, pharyngitis, weight loss, dry cough, unexplained fatigue, unusual blemishes on the tongue, herpes zoster and oral ulcerations. During the advanced stages patients may have chronic diarrhea, continuous fever, extreme weight loss, oral hairy leukoplakia and candidiasis and pulmonary tuberculosis.

It is extremely important for people to be tested for HIV. In some communities, partners are required to take the HIV test prior to marriage. This is because it not only affects the infected individual but also can spread to the spouse and the unborn child. It is difficult telling someone you love that you have AIDS. However, is very vital for their health and safety.

Doctors, nurses and Medicare professionals are also exposed to this virus as they deal with syringes and needles on a daily basis. If you have AIDS and if you are looking for a doctor, then do some preliminary research on the doctor before you meet him or her. The doctor should be reliable and must be aware of the nuances of the field. You should choose a doctor who you are comfortable with.

Hearing Loss Explained

Balance and hearing are the two primary tasks provided by our ears. As we get older we have to accept that our ability to hear deteriorates, and the deterioration will usually be in our perception of audible frequency range and the ability to hear quiet sounds. Hearing injury is in reality so common that of those older than sixty five, one third experience a degree of hearing loss. For those older than seventy five fifty percent suffer a hearing reduction. There is another factor here as well, and that lies in our genes. Our inherited capacity may also reduce our hearing with age. Some people will suffer due to the effects of heredity alone, and others from heredity and excessive damage damage.

Hearing loss affects us in different ways but usually exhibits as one or more of the following symptoms: –

1) If you find yourself constantly asking for people to speak clearly and sounds are fuzzy or muffled

2) Your understanding fails despite you think you can hear what is said

3) A common request you make is for others to say things for you again, more clearly, loudly etc.

4) You find you are continuously turning up the sound level on the television etc.

If you suffer from any of the above, combined with a desire to withdraw from conversations or avoid social settings, it is highly likely that you are suffering from a loss of hearing. Damage within the cochlea is the most common cause of hearing difficulties. The cochlea is the coiled structure within the inner ear within which hearing takes place. Exposure to loud sounds, that is above 85 decibels is damaging to it after a period of time. A common way to show decibels is to refer in text to dBs.

Other common causes of hearing are: –

1) Diseases of the ear, such as can be during child illnesses

2) Build up of unwanted bone or tissue obstructing the bones of the ear

3) Outer or middle ear tumor growth

4) Ear drums which have ruptured.

Other non-age related causes for deafness include Auditory Neuropathy, Meniere's Disease, Noise Ostosclerosis and Usher's Syndrome.

All of these causes result in just three types of causes of deafness, which comprise: –

A) Conductive Hearing Loss

This occurs when sound is not conductively efficiently to the middle ear, which may be caused by fluid, earwax, infection, foreign matter or malformation of the middle or outer ear.

B) Sensorineural Hearing Loss

Inner ear problems of any kind, and here we include all those listed earlier plus damage resulting from any accident to the head which also damages the hearing organs. A person suffering from this type of hearing loss may exhibit a lack of speech comprehension.

C) Mixed Hearing Loss

Combine A) and B) and you have this unfortunate type of loss or deafness. Thankfully, this is not a common event.

That completes our discussion of the three types of deafness.

Hearing injury may be sudden and incurable, or it may be short term. Deafness may strike quite quickly and be resolved equally speedily when infections of the miracles occur.

This article is for general information use. It does not contain advice, nor must it be in any way be interpreted as doing so. Consult your own doctor, or other qualified hearing expert.

There are very few people who have a hearing loss problem who can not be helped by the careful choice of the right hearing aid.

How to Be a Humble Student When Learning American Sign Language

Today I will be covering five major tips to help anyone who is learning a foreign language, American Sign Language, with a professional ASL tutor.

After 16 years of observing various American Sign Language students – I noticed a quite of few hurdles that students created which slowed down or sometimes even block their ability to absorb helpful lessons.

1. Develop good habits

Whenever an ASL tutor points out helpful techniques that will avoid solidifying bad signing habits – sincerely put effort in remembering from the very start to avoid developing what I’d like to call as the bad-habit-crutch. It may be disorienting at first because it requires extra effort of concentration to put the good habits of signing skills on daily basis – that’s only because it’s new. After a few months of serious applying of helpful techniques, suddenly it will become second nature to you.

Example: Always pronounce the entire word that you’re “spelling” a word that has no signs for it, or is a name of a person, place or thing. This goes for reading someone else signing to you a new word as well – immediately when you see the letter, pronounce the SOUND of that letter and ask the reader not to slow down too much. You want to develop excellent receptive and expressive finger-talking skills so that it’s fluent.

2. Take care of your PIES

PIES stands for physical, intellectual, emotional and spiritual self. Outside of a classroom or an ASL tutoring lesson, take good care of yourself. It seems so simple, but I have seen over and over many students actually neglecting themselves as they juggle to care take their families, jobs, etc.

Do some fun exercises that you enjoy, at least 3 times a week to release stress from your body and it actually clears your mind too. Remember to drink plenty of clean filtered water when you’re exercising in a very hot weather.

Aside from demanding homework, do some fun intellectual exercise that you enjoy doing. My favorite vocabulary building exercise is playing Scrabble game, whether it’s with another person or online. It forces me to memorize a new vocabulary with a new definition and as well as learning how to spell it correctly. Scrabble board game forces me to be creative in problem solving of strategies that other players may place in front of me to block my chances of winning. I lose a lot of games, but each time, I can see I’m getting better in developing a lot of other intellectual methods to improve my game playing.

Always nurture your emotional needs. What can you do to take care of your emotional needs that has been neglected, overlooked or shoved aside? Get a professional counselor if the problems persists in order to help reduce the stress in your personal life. Too many times a lot of students will carry unrecognized emotional issues and will have a break down in the middle of a semester. We are whole beings with multiple needs that consistently need checking in every once in a while to make sure we’re internally aligned.

Everyone has their own concept of definition of spirituality. For some people, it’s very important to nurture their spiritual side – but sometimes life gets so busy and hectic, it gets pushed aside and neglected. Make the time to nurture your spiritual side, whatever it is, so you feel balanced inside.

3. Simple as it may be, but exceedingly important, DO YOUR HOMEWORK on time

A lot of students often rush through their homework or do it as the last minute, thus not giving themselves the fair chance of actually absorbing information that is necessary to understand the topic when presented in the class.

If you’re struggling to understand the material and the teacher cannot help you for whatever reason, be sure to hire a professional ASL tutor who is familiar with the materials to guide you to where you need to go.

4. Practice until blue in the face

I cannot stress the importance of actually putting effort in actually signing your American Sign Language vocabulary in full sentences and repeating yourself until 100% fluent. 100% fluent means being able to sign a full sentences in ASL without any mistakes in it at all.

5. Get help as soon as you can

I’ve seen well meaning students avoid getting tutoring help for much needed clarifications until it was too late. Do not fall for this trap. Everyone needs help from a fluent foreign language expert every once in a while. Do not let questions pile up because it will be harder to untangle as exam nears.

These five tips should help you become a better foreign language student. Re-read these tips over and over until it’s memorized. Developing great habits such as these listed above, will benefit you greatly in the future.

Best wishes in your learning journey!

Tips to Prepare a Perfect Maid of Honor Speech

Maid of honor speech is the most important part of the wedding ceremony because maid of honor is a representative of the bride and she must make a good speech. If you are the maid of honor and looking for some great tips to prepare and deliver your speech then follow the steps given below and you will certainly hear clapping sounds at the end of the speech.

1. Start a speech by introducing yourself

Never directly start the speech. Always introduce yourself by telling your name, your relationship with the bride and how you are feeling to be maid of honor.

2. Appreciate the Bride and the groom

After introducing yourself appreciate the bride and thank her for making you the maid of honor. Say a big thanks to the groom for choosing the bride as her life partner.

3. Make the speech interesting

This is a very easy and very effective step. Try to be a little funny but do not try to be too much funny. Quote one or two good wedding quotations of some famous writers like Shakespeare. You can also have a poem about wedding in your speech.

4. Time to give the couple best wishes

Now you are going to end up your speech in a very well mannered way. Wish the couple a comfortable and long happy life and give the bride again some credit for being very nice with you as a friend or as a family member. This will give the couple a smile on their faces and will also make the people attending the wedding happy. You should practice your speech again and again by standing in front of the mirror. This will give you a lot of confidence.

Lose Belly Fat – There is Nothing More Disheartening

All around you, there is a growing awareness that belly fat is the most harmful. This certainly gears up for one to lose belly fat, the hardest place on the body to lose fat is on the belly.

Belly fat can harm you in several ways, knowingly and unknowingly. First of all, it can predispose people to several different kinds of life threatening ailments such as heart diseases, diabetes, cancers and reduce their life spans.

Secondly, it can turn their bodies into apple shaped figures which are not attractive to look at. In the kind of world that we live in, where stereotypes persist, the idea of ​​great beauty and sex appeal is to have a figure that comes along with a flat stomach. Men want to have the perfect body of a six-pack and a flat abdomen. Women, on the other hand, want to have fat, but in the right places. Stomach fat is certainly not the right or an appealing place to have it on.

There is nothing more disheartening then to see fat accumulate on one's belly region in spite of trying so very hard to stop it. Once it is there, it tends to stubbornly remain. No amounts of diets, exercises, gym memberships, can do the trick and help one get rid of it. In fact, the harder one tries the firmer does it becomes entrenched in one's body. Although there are several fast and overnight plans to help lose belly fat, it never seems to go away. All that remains behind is low self-esteem, lack of confidence, utter desolation and depression and a life that is in a wreck.

You can see and hear the sniggers all around you and it transports you back to high school. You certainly want to get in control of your life, lose belly fat, however, hard a place on it is to lose fat.

How The Stammerers Conquered Their World

Last night I watched an incredible program in which lifetime stammerers were helped to overcome their speech impediments, accept occasional difficulty and turn their life around.

They had access to 1 to 1 coaches, who had all previously been stammerers before they retrained. Thereafter they had an insight into the suffering of stammerers , they understood the embarrassment and the frustration and were able to support and encourage the new students.

The students ranged from school children to young women and middle-aged men. Initially they could not even say their own names.

The students came to the school for an intensive 52 hour training which was crammed into 4 days. They all learnt to say their names, speak on the phone and even speak in public to a crowd. Something many of us would find difficult, all this success in 4 days.

At the end were shots of the students on returning to their homes and how their new found freedom of speech was giving them confidence in many areas of their lives.

One girl's aim for talking the course was because her boy friend had proposed to her and she wanted to be able to say her vows. They were able to book the wedding on her return home she was delighted. She also wanted to grow her wedding photography business but had a friend to do the talking, she could now do it all herself.

The school boys became more confident feeling on par with their peers, the pharmacist could speak on the phone, in fact they were all deligned with their progress.

Seeing how confident the stammerers became after they had been taught that they were all capable of changing their lives, and to a great extent that it was their lack of belief in them and their abilities that was holding them back. Once they overcame their fears they achieved wonders.

How many people to you know or have heard of, who have with faith, cured cancer and other infirmies.

This made me think of something I had once read saying that the average person only uses 10% of their mental capacity. Think what could have achieved if we believed we could, and we set out with a positive intention of achieving new things. Most of us are too comfortable remaining in our comfort zone and treat fear of the unknown as best avoided.

If you accept the sky as the limit this year could be an amazing adventure. You could learn a language, play a musical instrument, study a new course, change your job, begin a new career of even set up a new business.

What will your 2018 adventure be?

125 Action Statements and Power Phrases

1. If you’re having a tough time getting by on your salary now, how well do you think your family will get by without it?

2. The only thing worse than a home without a mother is a mother without a home, isn’t it?

3. You can say, “I don’t need it”, but can you say “my family won’t need it”?

4. The most valuable asset that a father can leave his children is their mother’s full time care, isn’t it?

5. More good things are lost by indecision than by wrong decision, aren’t they?

6. Someone always pays for life insurance, whether a man buys or not; the question is, who….the man or his family?

7. You say come back in September… But whom should I ask for if you’re not here in September?

8. The difference between an old man and an elderly gentleman can be a decent income can’t it?

9. Wives may not believe in life insurance, but widows always do.

10. Life insurance is a shield to meet the blow that you can’t see coming isn’t it?

11. You would certainly give your life for your children, so why not insure it for them?

12. Have you ever met a widow who said that her husband had too much life insurance?

13. Life insurance is the only plan that will guarantee a known sum at an unknown time.

14. You haven’t needed it (life insurance) yet? Do you carry a spare tyre in your car? Do you own an umbrella? Do you check for the parachute in the aeroplane?

15. The worst time for a wife to become a breadwinner is when she first becomes a widow.

16. If you wouldn’t like to live the rest of your life on the face amount of your present insurance, how do you expect your wife to?

17. Income is provided for a widow or by her isn’t it?

18. Losing a father is bad enough, inheriting a part time mother makes it worse, doesn’t it?

19. You can put me off, but you can’t put my competitors off – death and disability.

20. Life insurance won’t keep people from dying, but it will keep their plans from dying with them.

21. Any partnership that operates without a proper buy/sell agreement is living on borrowed time.

22. It isn’t easy to be old or poor, but it’s a great deal worse to be both.

23. You finish the job if you live; we finish the job for you if you die, become disabled or long term sick.

24. Whatever reason you may have for not starting this plan now will only sound ridiculous to your widow.

25. Just because you stop working doesn’t mean you stop loving your wife, children & grandchildren. That’s why you have permanent life insurance isn’t it?

26. Would you like to buy your parents interest in the company for less then 5 cents in the dollar?

27. Partnerships are like a seesaw. One man gets off the other falls off. Is your business succession plan like that?

28. It’s better to use insurance to protect the partnership because while you will pay $1,000,000 for your partners share you really pay very little for the $1,000,000, don’t you?

29. No person ever dies at the right time, do they?

30. A person needs credit to live, but their family needs cash when they die, don’t they?

31. You may last longer than your money

32. Tell me, how will you treat all your children equally in your will?

33. No debt should last longer than the person who created it, should it?

34. If you buy insurance or not, in the end someone will pay for it.

35. Life insurance is time. The time you might not have. If you need time you need life insurance.

36. Your wife should be left something that will take care of her – not something she will have to take care of, shouldn’t she?

37. Have you a plan to pay for capital gains tax or will you let the family sell assets to cover your oversight?

38. A professional loans their educated brain to create income for their family to live on. Unfortunately the brain is not a going concern. When it terminates, so too does the income it generates.

39. No has always been the first two letters of nothing. I have never liked what nothing implies. Would I be right in assuming that you do not like the meaning of no either?

40. In the final analysis, all you can leave your wife with is “the dignity of choice” isn’t it?

41. If you had a goose that laid golden eggs, would you insure the eggs or the goose that laid them?

42. If you can save as much money in the next five years as you have in the last five years, will you be satisfied?

43. Life insurance? Anybody who doesn’t believe in it ought to have the right to die without it at least once.

44. Sometimes the biggest price in the world is doing nothing. A lot of people do nothing wrong; they just do nothing. That’s what’s wrong.

45. What formula did you use to arrive at the amount of life insurance you have at the moment?

46. What percentage of your income in a lump sum would you like to leave your wife and children?

47. If your partner became permanently disabled or long term sick, how long would you be willing to do 100% of the work for 50% of the profits?

48. If it were free how much insurance would you like?

49. Do you know anyone who has died who had too much insurance?

50. If you were to die because of some one else’s negligence, how much would you want your family to sue for? Should they have any less if you die by other means?

51. Do you have trouble accumulating money and keeping it?

52. What type of lifestyle would you like when you retire? What type of lifestyle will you have if you are forced to retire because of ill health?

53. If you were not here could you pay for all of your children’s higher education or just a percentage of it?

54. What assets would your executor have to sell up to allow your wife and children to keep living in their current lifestyle?

55. Are you aware of your most valuable asset and do you know how much income it is capable of producing in your lifetime?

56. What would happen to your estate if you had died last night?

57. You and your wife together can handle debt, but can she handle debt by herself?

58. Would your executor be embarrassed by the lack of liquidity in your estate?

59. Long term insurance is a good idea in retirement. Just because you retire doesn’t mean you stop loving your family or their need for estate equalisation.

60. Life insurance is like a parachute in an aeroplane. If you ever want it and have not got it, you will never need it again.

61. At no time in life is a wife less able to become a bread winner than when she first becomes a widow.

62. One ordinary father can support four children, but it takes four extraordinary children to support one father

63. A life insurance person brings no financial problem to any prospect, they only bring the solutions.

64. If every wife knew what every widow knows, every husband would be insured for more, wouldn’t they?

65. I can understand your hesitation to pay the $800 premium. You may feel that you are making a mistake. Would you rather make an $800 mistake or a $250,000 mistake?

66. If you suffered a traumatic illness or serious accident would you sooner lose your home or your mortgage?

67. Do you have a family debt extinguishable fund?

68. If you were permanently disabled which assets could your partner sell for full value?

69. Are your debts “good” debt or “bad” debt?

70. “Your price is too high!” Is that if you take the cover, or if you don’t?

71. Do you want your bank to have first call on your estate?

72. If your family was in Financial Free Fall, wouldn’t it be nice to know we could provide the Parachute?

73. If you weren’t here, who would you want to take care of your obligations?

74. Who do you want to inherit your debt?

75. What other assets are instantly created for your family and estate if you die?

76. Tell me what you want to leave out of your debt reduction program. Is it the capital redemption or the promises to your children that their mother may not be able to keep?

77. Which is harder for a widow? Being unprepared or being unfunded?

78. Do you see your family being disadvantaged by the unknown or being disadvantaged by being unfunded?

79. If I could deliver you a guaranteed amount of money for a specified event at an unknown time in the future, would you be interested?

80. We don’t have a choice about good luck or bad luck, do we? It just happens!

81. Your insurance should compensate for an event, not encourage it’s occurrence

82. If life cover was FREE, how much would you want to take?

83. If you became long term sick or permanently disabled, which would you sooner lose, your house or your mortgage?

84. If you knew you were going to die tomorrow, how much insurance would you demand of me?

85. You don’t buy insurance because some one may die; you buy it because families and people keep on living, don’t you?

86. If you don’t protect your income, how will you be able to pay for or afford your other insurances?

87. Even if a couple become divorced or separated, the ex-partner will not see another maintenance payment should the income earner die. How will that affect your children?

88. How would your family be affected if you couldn’t work for 2 years?

89. Which is more important to your wife? The size of your overdraft whilst you’re alive and well or getting rid of the overdraft when you are not here or are unwell?

90. Are you leaving your family an asset or the asset and a liability?

91. What is your gross estate value? What is your net estate value?

92. Are you aware that your children stand to lose two parents if your partner is forced to go back to work after the death of a spouse?

93. How big a reduction in your income could you absorb/sustain if you became disabled?

94. If you were totally disabled yesterday how much would you need to clear your debt?

95. If you were totally disabled yesterday how much capital would you need to produce the income you have now?

96. Modern medicine is saving lives, but it is converting death to disability : long-term economic death. As important as you are, do you know anyone who will pay you an income for the rest of your life should you become disabled?

97. This plan will pay 75% of your salary when no one else will

98. Your family’s outcome relies on your income

99. Earned Income is an extremely delicate and easily destructible asset subject to three hazards; death, early retirement and long term disability. It can be compared with a 3-legged stool; if one leg gives way, the whole stool topples over.

100. Saving your life shouldn’t mean losing your savings

101. Income Protection benefits are Dollars of Dignity. They mean not having to beg, diminishing reliance on charity, not having to borrow (if you still can), sending your spouse or partner out to work, asset sell off, capital erosion or life style down grading.

102. Doctor, have you ever heard of a physician being pensioned by his patients when he was laid up from accident or sickness?

103. (I can’t afford it.) If your salary was cut by $10 per week would you quit your job?

104. (See me later). Before we plan a later date Mr. Prospect, wouldn’t it be eminently sensible to see if you qualify first?

105. Of course you are right, you do realize that life insurance can provide capital to earn income from after you have passed away. But what if you are seriously injured and don’t die?

106. Naturally your superannuation will provide you with an income when you retire. But what if you have to retire early?

107. Comparing the number of doctors to the number of undertakers in the phone book, will give you an indication of the number of unwell people requiring attention compared to the lesser number of deaths requiring attention.

108. You are aware that the biggest gamble your partner and family can ever take is on you. Why not minimize the risk with an income protection plan?

109. Would your bank manager pay off your mortgage if you had a heart attack?

110. If a sole proprietor tells you his business will run itself while he is off, then ask him why he is not at the beach or on the golf course every day instead of enjoying himself

111. Life insurance pays when you die. But what happens if you are only 1/2 dead?

112. Can you guarantee immortality?

113. Did you know that insurance can now be paid on diagnosis of specific diseases and insurable conditions?

114. Do you want your family to have to sell their house if you became disabled or long term ill?

115. What happens if your money machine breaks down?

116. People are money machines. They produce income called money. When the machine breaks down is destroyed or fails to operate the income stops.

117. Did you know there are two ways to make money? People at work and money at work. Money at work is a whole lot easier isn’t it?

118. You have an accountant and a solicitor, but do you have anyone whose responsibility it is to deliver money in the event of a death, disability or long-term injury or sickness?

119. If you were not here what percentage of your children’s higher education would you like them to have?

120. What would happen to your estate if you had died last night?

121. Who would you like to serve as guardian and trustee for your children if you and your spouse died?

122. If the entire family dies in a disaster, to whom do your want you estate to pass?

123. “Whatever the dollar’s future value, the man who has one will be better off than the man who doesn’t.”

124. “You say you have trouble living within your income — consider living without your income.”

125. Ask upfront “What has been the major problem you have had with my industry in the past that I would need to be aware of as we build a relationship together?”

Anti Snoring Drops – How Do They Work?

As simple as the actual action of snoring maybe from the vibration of the soft throat tissues flapping around, it is often not so simple to remedy without a little research of what is causing the snoring to begin with. The strongest start to the nightly snoring begins to happen during the transition of falling to sleep and moving into the deepest of slumber.

This is when the throat muscles and the tongue muscles really relax the most and makes for a horrible sound. Although, it has often been thought that the muscles become weaker or longer with age, but this has been found to not be true in most cases of older people and snoring. The only time that there may be true to this theory is when an individual has gained a large amount of weight and then lost it all again. The muscle weakness is due to the lack of toning from the extreme weight gaining and losing of the weight.

When looking around for the best anti snoring remedies, be wary of some devices and so called promising remedies that are out there being offered. For example, those devices that claim to end the snoring with throat tightening and retraining the throat muscles are more often than not, a waste of money and time. Since the snoring process tends to become more common with age, there really is not a way for retraining and tightening the throat muscles as you can do with the rest of the body toning.

It is when your tissues in the throat and the soft areas of the palate are highly relaxed, that there may be vibration and there also may be partial airway obstruction. The smaller the airway of the throat becomes, the stronger the force of the airflow while breathing through the mouth. It is this vibration of the tissue increases, so the snoring becomes louder and deepened.

There are many individuals that may have a lower, thicker type of palate softness, tonsils that are enlarged, a problem with enlarged adenoids, or extra tissues at the throat backing that will definitely increase the snoring issues. With a softer thickened palate, there may be narrowing of the airway, and sometimes there is occasionally the elongated uvula, which will also be a main cause of airflow construction that will increase the vibration loudness.

Some of the other reasons for having a snoring problem are by being overweight, being a smoker, alcohol drinking, and not getting enough regular exercise. If you have a neck line of 17 inches or bigger, and do not get enough exercise, then you are a very likely candidate for regularly snoring. When having sinus problems, colds or allergies you are more often than not going to be snoring person. It is best to deal with the cold or allergies with the right medication and then see if the snoring ends. If not, then there are several very good anti snoring remedies readily available.

Does Your Pool Cue Matter? The Truth About Modern High Technology Pool Cues

I started playing pool at the young age of 7 years old, during the winters growing up in northern Maine when the temperature reached 50 below zero and it was too cold to ski. The rec room at Loring AFB had a couple of pool tables, and as a very athletic kid I had a natural curiosity about the game, and after watching a few games I was invited by one of the airmen to play a game with him. He showed me how to hold the cue stick and make a bridge, and got me a little wooden box to stand on so I could reach the table. It didn’t take long for me to become addicted to the game, and soon invited my friends to play. We spent many a cold winter day inside that rec room, playing for hours, making up our own rules and games, and eventually even betting nickel candy bars on the outcome. Yeah, we were big spenders!

When summer hit, we put the cues away and played baseball all day long. My dream, since I was 5 and saw the Dodgers play in Los Angeles several times before my dad was transferred to Loring, was to be a pro baseball player, and I eventually got a baseball scholarship to college in Texas, where my dad retired in 1966. Through the years, every spare hour not spent practicing baseball was spent in a pool hall, and after my baseball career ended with a torn pitching shoulder, pool became my number 1 interest. I won my first tournament when I was 17, at a bar that my sister worked at, and won a cue stick as first prize. I was thrilled beyond belief, until I screwed the stick together and rolled it across the table. To my horror, it rolled like a corkscrew, being so warped as to be unplayable! Back to playing with a bar stick!

For the next 20 years, I hustled pool where ever I was working at the time. I drilled oil wells all over the country, and made as much money hustling the roughnecks after their shift as I did from my salary. As a mud engineer, I was responsible for checking many different rigs daily, and got to know, and play against, hundreds of different pool players each year. Moving around the country to different areas on a yearly basis, I was able to keep under the radar and remain a relative unknown, so it was never any trouble to get a money game going. I don’t think I ever met a roughneck who didn’t play pool, and most of them had a pretty high opinion of their game. That usually changed when it came time to pay up!

In 1989 I met the Alexander brothers on a golf course in Dallas. Nick, a lawyer, had founded Clicks Billiards many years before, and now had a total of 20 pool halls from Phoenix to Florida, with his original pool hall right there in Dallas at Abrams Rd. and Northwest Highway. Greg, his brother, was the General Manager, and responsible for hiring managers for all 20 of their pool halls. By this time I had retired from the oil business, and made my living on the golf course and pool halls every day. Greg and Nick were both members of Sleepy Hollow Country Club in south Dallas, where I hustled golf every day. Greg was a 3 handicap, and after I had played with him 3 or 4 days a week for several months ( and took quite a bit of money from him), he asked me if I played pool. Heh heh heh. “A little bit”, I said, and he took me that night to the original Clicks Billiards, to try to win a little of his money back.

After he paid up the hundred I beat him out of that night, he offered me a job, as assistant manager of the original Clicks. He knew I had never bar tended before, but assured me I would pick it up quickly, and would fit right in with the pool players who made up their core customer base. Was he ever right! I took to it like a duck to water, and ended up meeting most of the best pool players in Dallas, and some of the best in the country. Clicks had several exhibitions, including one by Grady Matthews, and one by Ewa Mataya, the Striking Viking. Clicks was also where I met CJ Wiley, the road player who won the ESPN Ultimate Nine Ball Challenge in 1995 or 96. There were many, many top notch professional players at Clicks, with many a $1,000 game of one pocket going on day and night, with lots of major Dallas bookies bankrolling a lot of the action, and sweaters on the rail by the dozens, just watching…or praying, lol.

CJ rolled into Clicks in 1990, and proceeded to terrorize the local pros. He was an instant legend, steamrolling every major player in town. Guys who scared the dickens out of me would not even touch CJ when he offered them the 5 and out. His rep grew, and his ranking did too, eventually reaching #4 or 5 in the world of Pool. Working there, I became fast friends with CJ, and when he opened up his own room in Dallas, CJ’s Billiard Palace, I eventually quit Clicks and went over to manage CJ’s place. When he opened up, 90% of the action, and pro players, went with him. He had 12 Gold Crowns, as opposed to the 4 at Clicks, a kitchen, and was open 24 hours. The action never stopped.

So what, you ask, does all this have to do with the title topic? I bought my first cue, a Thomas Wayne model, in 91, and while it was beautiful, with lots of gorgeous inlays, and very responsive, it really did nothing to improve my game. I played with it for 3 years until it was stolen, and I loved the cue, but I could play just as well with a bar cue, providing it was the right weight and had a good tip. I spent 700 dollars for the cue, but I really didn’t need to. It did not give me any advantage over a house cue.

I had a severe back injury in 1994, that made me quit playing golf and pool. I didn’t want to risk an operation, and it wasn’t until 2008 that I got some non-narcotic medication from the V.A. that let me bend over the table again without excruciating pain. By this time, Predator Cues had come out with a 10 piece shaft that was hollow at the tip, significantly reducing cue ball deflection at impact…or so they claimed. Having been away from the game for 14 years, I had read little about these cues, and was intrigued, to say the least.

For those of you reading this who don’t know what cue ball deflection is, here it is in a nut shell: When a cue ball is struck to either side of the vertical axis…the center line….the cue ball will deflect, or “squirt” in the opposite direction. So if you hit the cue ball using right ‘english’…hitting the cue ball right of the vertical center line…the cue ball will deflect to the left, and vice versa.. The amount of deflection varies, depending on speed of the stroke, the distance from the center line (or tip offset) the cue ball is struck, and the mass of the tip. In other words, the more english you apply, the harder the stroke, and the bigger the mass of the tip…..these factors will all increase the amount of deflection, or squirt. This squirt must be compensated for when aiming, or you will miss the shot quite often.

This is where the Predator technology comes into play. With a small hollow space at the end of the tip, the reduced mass drastically reduced the amount of deflection by allowing the cue ball to push the shaft out of the way at impact, instead of the shaft pushing the cue ball out of the way. The 314 shaft became very popular immediately with professionals, and the Z shaft reduced deflection even more by reducing the tip size from 12.75mm to 11.75mm. A shorter ferrule also helped reduce mass, and therefore reduce deflection even more. Independent testing has the Z² shaft and the 314² shaft from Predator as being the #1 and #2 shafts in the world in causing the least amount of deflection. Predator cues and shafts are used by over half of the top 40 professionals, 3 of the top 5 women professionals, and over 35,000 players worldwide, according to the Predator web site. These professionals are not paid to play these cues. They play them because their living depends on their playing ability, which is enhanced with this high-tech equipment.

Since Predator led the way in the mid 90’s, many companies have now joined the technology revolution. Lucasi Hybrid Cues offers the Zero Flex Point shaft on all their hybrid models. This shaft has technology similar to the Predator shafts to drastically reduce deflection. They offer these shafts with many joint types to fit most cues made today. World Champion Thorsten Hohmann from Germany now plays Lucasi Hybrid.

The OB-1 and OB-2 shafts also offer low deflection technology, and John Schmidt recently changed to the OB cue. He said he ran over 400 balls playing straight pool, the second day he used the OB shaft.

I had to try out one of these cues myself, and I must say: I love the new high-tech pool cues. I play with a Predator 5K3, and despite not having played in 14 years, my game has ascended to a level way higher than I ever played before. The reduced deflection makes the hard shots using english much simpler, by reducing the amount of compensation for squirt.

In summation, the advance of technology has shortened the learning curve for beginning and intermediate players by reducing cue ball deflection, and requiring much less compensation for the squirt effect. And the pros, who make their living with a cue? Nearly all of them play a low-deflection shaft of some kind. Why wouldn’t they? If they don’t, their competitors (who all do) will take the money.

While Predator remains the benchmark for low deflection, they are also not cheap. The retail price for a Z² shaft is nearly $300, but the new Lucasi Hybrid Cues, with similar technology (and also new grip technology to reduce impact vibration) are a good lower priced alternative. For less than the price of a Predator Z² shaft alone, your can get an outstanding Lucasi Hybrid [] that has advanced low-deflection technology and plays fantastically well. If a World Champion like Thorsten Hohmann is playing a Lucasi Hybrid, you KNOW it is an outstanding cue.

So think long and hard when purchasing a new cue stick. If you don’t use a cue with modern low-deflection technology, chances are your opponent will be. Everything else being equal, a modern low-deflection cue, or an older cue with a new low-deflection shaft, is going to win the vast majority of the time. Greatly improved accuracy will make it so.

Horse Racing Betting, a Beginners Guide (Part 1)

So you want to bet on the horses but you have not got a clue where to start. You look at the form but at this stage the numbers do not mean a thing. Well listen up as what I'm about to tell could result in a few winners today.

First things first, ignore the jockeys silk (There nice colors, So What!) And do not try and pick a cool sounding name.

Right now I've got that off my chest let me tell you a few things you need to take into account;

Look at the jockey who is riding the horse and look at the trainer of the horse. There will also be a section that say's 'top jockeys' and 'top trainers'. Make sure you pick a good trainer and then second to that a good jockey.

The next factor to take into consideration is those little form numbers at the side of the horses name, what your looking for are 1,2 and 3's these mean first, second and third in a race and if it has a few on these it's last five races it's in form and should stand a good chance to run well.

So now we should have a horse with a good trainer and a decent jockey that is showing some past form. The selection should have a good run and hopefully with a bit of look it will finish well.

There is plenty more factors to take into account when selecting winning horses and you can use horse racing systems [] to help you select winners. In part two I'm going to show you a few little letters you should look out for when selecting for horses.

Psychiatry for Physicians – Dementia – Other Types

Other categories of dementia worth mentioning are dementia due to Pick's disease, dementia due to Creutzfeldt-Jakob disease, dementia due to Huntington's disease, dementia due to Parkinson's disease, dementia due to HIV disease, substance induced dementia, and dementia syndrome of depression.

Dementia due to Pick's disease is a variety of frontotemporal dementia. In it there is progressive reduction of speech, loss of insight and stereotyped, perseverative behaviors, together with reliably late onset of memory and visuospatial disturbance. SPECT and PET are the two most useful imaging technique for diagnosis it.

The infectious agent for Creutzfeldt-Jakob disease is the Piron. Clinical deterioration is very rapid in this dementia. Progressive decline with death within one year is common for this problem. Intellectual destruction, myoclonic jerks, muscle rigidity, and ataxia are some features of this illness. EEG, functional imaging and biopsy are some useful techniques for this illness.

Dementia in Huntington's disease occurs due to some idiopathic, inherited, autosomal dominant neurodegeneration. It starts after 40 years of age and deteriorates to the extreme in around 17 years course. Irritability, apathy, depression, mania, defective cognition, memory retrieval deficiency etc. are common features. Absence of aphasia helps to differentiate it from DAT. CT or MRI can be useful for the diagnosis of this dementia.

Prevalence of dementia amongst Parkinson's Disease patients is about 25%. It is noted especially among late patients. Presentation of dementia in PD is complicated that primarily representations degeneration of subcortical ascending system with neuronal loses in multiple neurotransmitter related systems.

HIV type 1 causes dementia. It causes atrophy and demyelination of subcortical white matter. Three subtypes are seen among HIV type 1 seropositive patients. They are subcortical, cortical and non-affected varied according to the neuropsychiatric impact. Substance induced dementia is mainly seen in persons with alcohol abuse.

Depression can cause dementia syndrome that is called pseudodementia. But dementia and depression can occur due to the same underlining pathology. Other causes of dementia include mainly the structural damage to the brain in different situations. But causes like brain tumor, vitamin B 12 deficiency are also there in the affected causes.