Foods that lower cholesterol Add to your Diet Menu Now

Foods that lower cholesterol are many and they play the most important part when one is on a diet for fitness. The new trend which is followed by every youth and adult is to be fit and fine. If you are not fit then but the level of fats and cholesterol increases which leads to some heart problems or some other. Patients who are diabetic or heart one should not include more oily and spicy food in their diet. For a healthy physic you must have referred many books, articles from internet or from magazines but one never get a relevant diet plan or a workout. It is not necessary that if you want to be fit and fine with good physic then you have drag yourself to gym or any fitness center. Apart from the workout and exercises which helps to burn fats and decrease the level of cholesterol it is also necessary to have a foods that lower cholesterol. Many professionals must have recommended many diet plan and foods promising that your cholesterol level will be reduced.
The fo llowing are the diet plan or the foods that lower the cholesterol:-

* Brown rice it is really a best option which helps to reduce the fats and cholesterol level. One has to forgive the white rice and add the brown rice in menu. This rice is rich in magnesium which relaxes the food and even the digestive system.
* Brown bread many people like to eat sandwich and are fond of bread. But if the consumption of white bread is more in daily routine then it is not good. As the brown rice helps even the brown bread also works on your body. This bread is made of wheat and which is very healthy for the body.
* Garlic it is another option one can include more in their diet. Garlic's are not just to shoo away the evils but it helps more to reduce the blood clotting and purify the blood which helps to reduce the cholesterol level.
This where the top home products which one can change and include in diet but apart from this there are many foods that lower cholesterol level.

Asthma symptoms are in majority found in many young and adults. They suffer from many problems and sometimes this asthma are been result to high risk and even death. If you are diagnosed to asthma then one should take a lot of care because this problem is due to low level of oxygen in body. The Asthma symptoms differ from each other because it can never be same as the other gets. There is low level of asthma and high but this high asthma sometime leads to asthma attack where one has to hospitalize. The common Asthma symptoms are to found are coughing continues especially at the night time, wheezing, shortness of breathing oxygen and it leads to pressure and pain when tighten the chest. The early symptoms are also common which includes coughing at night, losing breath while doing some work or exercise, you may feel tired and there are lot of chances in changing mood and behavior. Other Asthma symptoms are cold, running of nose, allergic to particular thing, soaring tongue or headache.

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Paleo Diet Vs . Atkins Diet regime

This is unique from aiming for much better health and fitness so that your dropping body weight is a required consequence.

How is this goal accomplished?

If you undergo the Dr Atkins eating plan, you will have a diet regime plan very low in carbohydrates, higher in protein, and substantial in fat in 4 phases:

The 2-week induction phase. Your carbohydrate intake is limited to no additional than 20 grams in order to challenge your human body to generate ketone and so start dropping excess weight. The saturated body fat and cholesterol ratios in your are each 300 % a lot more than what is required daily by an typical specific. All foods that will add to your twenty grams carb consumption are totally taboo. In the day-to-day menu your fiber consumption is only ? of the daily appeal, while vitamin B1, C, D, E, iron, magnesium and potassium are a lot less than two/3.

In the Ongoing excess weight loss phase, your cholesterol and saturated fats intake are somewhat decrease. Fiber-abundant foods are integrated though your carbohydrate each day consumption is greater weekly by 10 lbs from 25 immediately after the 3rd week until your extra fat is gone, at which time you enter the 3rd phase. In the Pre-upkeep phase your fat reduction is preserving by significantly less than a pound a week and your every day carbohydrate intake is improved to 10 grams weekly. This could last for 2 to three months. In the Lifetime preservation phase, 90 grams of carbohydrates daily are allowed to you. According to the plan, servicing is the foundation of a superior health.

What are the effects of the system

There had been several who misplaced excess weight due to the fact of the Dr Atkins diet program method. You may also drop excess weight. Having said that, there have been also people noted to have skilled gall bladder disorder and kidney stones. One even died because of to electrolyte imbalance quite possibly due to the fact of the eating habits. Health-related experts say it raises one's danger to cancer mainly because of the restriction of carbs even from fruits which have phytochemicals that are potent weapons from the ailment. But the clincher is the truth that Atkins himself did not advantage from his program. According to the Wall Road Journal of February 2004 concern which is made up of an excerpt of the NY City Medical Examiner's report on Atkins' death, he had a historical past of heart ailment, congestive heart failure and hypertension, aside from becoming clinically obese at 258 lbs. In accordance to his spouse, Atkins had some progression of coronary artery di sorder throughout his final 3 many years.

Conclusion

Atkins was afflicted with the conditions which he purported to reduce through the Dr Atkins diet plan. If there was anyone to benefit from it, should he not be the very first one particular? The alternative is yours.

It is crucial to notice that both the Paleo eating habits and the Atkins diet program are reduced carbohydrate diet programs. The big difference in the two diets lies in the goal of adopting every single of the diet program ideas. This variation can therefore be analyzed by looking at each and every of the diet plans individually then making an attempt to examine concerning the two.

To commence with, the Paleo eating habits is a type of eating plan that is primarily based on adopting a certain way of life.

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Diet High Cholesterol

Before starting on a low cholesterol level, you should first know what low cholesterol food is and what isn't. This will help you create a diet which is low in cholesterol to help you lower your total cholesterol levels. There are many different types of food that can be classified as low cholesterol foods, so that you do not need to give all the food you love to have a low cholesterol diet.

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The easiest way to get started on low cholesterol recipe is to start with one day's menu. You can include a safe amount of food fats into your diet at first so that you can ease the transition period from your normal food to the low cholesterol diet, and make this change easier on you.

A good way to start a low cholesterol diet with a low cholesterol recipe is trying a serving of oatmeal, honey, and an apple for breakfast. Mixing oats, fat free milk, and a little honey and chopped apple will make a great delicious cholesterol free breakfast. For lunch, you can follow up with a salmon and tomato sandwich with a side salad. For tasty salad dressing, you can try using lemon juice and black pepper as a low cholesterol option. For dinner, you can have stir-fried chicken breast, veggies, and some rice will make you enjoy your low cholesterol diet. You can also try using brown rice instead of white rice for a lower cholesterol diet.

Make changes one step at a time, and in no time you will start enjoying a healthier life with lower cholesterol level. These changes will prevent you from having heart diseases caused by your diet. You will soon find that you enjoy the low cholesterol food as much as or more than your previous high cholesterol food.

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EODD Diet Or Traditional Diets, Which is the best

EODD Diet Vs. Traditional Diets.

The EODD diet, which stands for The Every Other Day Diet is a fresh approach to dieting. It is based on calorie cycling a method that supposedly boosts your metabolism and eliminates plateauing. Great, but how does it stack up against traditional dieting methods?

Advantages:

No Plateauing Feed days where you can eat most any thing you want including pizza, burgers and fries Three different plans so you can lose at three different speeds 60 day money back guarantee Easy to follow Easy to stick with Does not rely on will power Great Health Education Free gifts upon signing up

The last item, free gifts, is really amazing. These gifts are not cheap trinkets. The include:

Perfect Posture in 30 Days! by Vince Delmonte, CPT Cholesterol LIES! The Truth about Cholesterol And Your Health That Doctors Do Not Want You To Know! by Dr. Duane Graveline MD Hormones 101! What You Really Need to Know About Natural Hormone Health by Dr. Holly Lucille, with Jon Benson Your FREE Online Virtual Exercise Demonstrator! by Vince Delmonte, CPT Skinny Mini Meals 80 Super-Fast Recipes That Anyone Can Prepare For A Leaner Waistline...At Any Age! by "The Body Sculptress" Angela Ursprung Female Power! How Any Woman Can Attain a Feminine, Firm and Fit Body by Kelli Calabrese(with Scott Colby, CSCS) The Fitness Primer Hypnotic Audio: Preparing You For A Fitter Future! by Rick Beneteau The No-Struggle Plan! Getting Things Handled Once And For All by Mathes Jones Lifetime Free Updates of The Every Other Day Diet!

Disadvantages:
There are three things that you need to bring to the table in order to be successful with The Every Other Day Diet. Here they are as quoted from the Every Other Day Diet:

You must be dedicated: Anytime you wish to implement changes into your life, you need to be dedicated. The less extreme the change, the less dedication is required. Nonetheless, you need to be serious about making a change if you wish to be successful with the EODD. You must be willing to do some form of exercise. Sorry, but there's no other way. While you don't have to do anything extreme, you must do something. You must be reasonable: As our intrepid authors point out, you didn't get into "this shape" in a couple of weeks or months, so how can you expect to lose it all within that time frame?

Traditional diets:

Traditional Diets are diets that rely on simply lowering you caloric intake below the level of your caloric out put. An example of this kind of diet is Strip That Fat diet guide. The advantages of this type of dieting are:

You control the diet You chose the foods you want to eat--not the amount You create your own menus 60 day money back guarantee Proven Track Record Great Health Education Free lifetime updates and access to menu generator

Disadvantages:

Your success depends on your will power Plateauing Only 1 to 2 pounds of fat per week No "feed days"

One last word

I have tried both diets and for my The Every Other Day Diet was the clear winner because I could have feed days which allowed me to go out with friends to restaurants and enjoy the holidays with out being the one in the corner with the "special" plate of food. This factor alone makes this "The Easiest Diet In The World.

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The Atkins Diet and Cholesterol Levels

Over the years since the Atkins diet has been introduced, the reviews pertaining to the health of the program have been diverse at best. While many doctors believed that a low-carb diet like Dr. Atkins can increase the risks of cancer and heart disease, there have been many studies that have actually proven the opposite to be true. One of the factors that has been looked at in these studies it the link between the Atkins diet and cholesterol levels. At first glance, it appears that many of the food choices on this program would serve to actually increase the bad cholesterol and triglycerides. In fact, the opposite has found to be the case in many of the studies regarding the Atkins diet and cholesterol.

A number of folks who have participated in the Atkins diet program have actually seen a reduction in triglycerides, a rise in HDL (good cholesterol), and a better ratio between the HDLs and the LDLs (bad cholesterol). These encouraging results suggest that those on the Atkins diet with cholesterol problems may actually be able to regulate cholesterol levels on their own without the need for medications or other types of therapy. This is good news indeed for those who have seen successful weight loss on the Atkins diet program. Of course, weight loss is a key factor for good cholesterol levels, but there are other reasons for this positive link between the Atkins diet and cholesterol as well.

Why does the Atkins Diet Lower Cholesterol?

When you begin adhering to the Atkins diet program, your body makes the switch from a sugar metabolism to a fat metabolism. As long as you stay well below your allowable level of carbohydrate intake, you should see positive effects on your cholesterol from the Atkins diet. Although some people may see a rise in these levels at the very beginning stages of the diet program, the body adjusts itself quickly to the new menu and in most cases the cholesterol levels will begin to fall. This suggests that our intake of carbohydrates plays a large role in our cholesterol levels, which explains why there is a positive link between a low-carb diet like the Atkins diet and cholesterol.

If you are having a problem with your cholesterol levels, there is a good chance that you are not maintaining a healthy weight for you. With the Atkins diet, your cholesterol levels can correct themselves and your weight can come down to a healthy level as well. Its a win/win for your body and you.

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Diets For Cholesterol

A common man is normally not acquainted with the truth that high cholesterol can be accountable for several serious health problems. If you are developing high cholesterol, then there are chances of you to get a stroke or a heart attack Hence it is essential that an individual should engage in a low cholesterol diet program to escape heart ailments.

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You must be having questions about why is family history given a good deal of importance. It is for the reason that cholesterol depends on genetics. Laziness can also be the reason for cholesterol, which means that you have to be physically active. You could possibly work out anything to stay physically active. Start by taking stairs instead of elevators. Enjoying a stroll, riding a bicycle or doing an aerobic work out could do miracles.

Food intake is very necessary, so keep an eye on the menu you eat. Always make an effort and buy foodstuffs that are low in cholesterol. Verify the labels when choosing anything.

There are two different types of cholesterol - good cholesterol and bad cholesterol. Good cholesterol or high density lipoproteins must be consumed, whereas bad cholesterol or low density lipoproteins that are in fatty meats, butter, lard, greasy sauces etc should be skipped. These are saturated fats which are injurious to health

Vegetables, dark chocolate, cereals, cheerios, avocados, fish and fish oil, fruits, nuts, grains, complex carbohydrates are some of the low cholesterol diet food that could be eaten without worrying about your health. Have food that are high in fiber as they reduce cholesterol. Hence fiber food regimen is incorporated in the low cholesterol food regimen.

IMPORTANT UPDATE: Doctor's Free Presentation on How to Naturally and Safely Reverse Heart Disease and Lower Cholesterol. Visit http://HealthTipsThatWork.com/Cholesterol

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Why to Choose Career as a Physical Therapy Assistant and Technician

In recent times the requirement for qualified and well trained physical therapy assistants and technicians has boomed rapidly. In fact, with the rise in health care standards and number of health care centers and clinics, in the next few years the medical industry expects to look for more qualified physical therapist assistants.

Working Conditions

Working as a physical therapist assistant (PTA) or technician offers you opportunities to work under the direction of a physical therapist in order to aid patients or injured athletes whose ability to move is impaired. Besides this, you will help physical therapists in their daily activities, which include assisting patients during rehabilitation. You may also be required to perform clerical duties like ordering supplies and completing various forms. Apart from all this, as directed by physical therapists, you may even need to prepare documents and relay the patients responses and results of a treat ment to the physical therapist. It is definitely one of the few careers that demand special skills that can be nurtured through intensive training, but at same time offer benefits and employment scope that is better than any other professions.

Career Advancement

In terms of job security and career advancement, this profession is simply better than others. In fact, working as a PTA offers a number of ways to advance further in your career. One of the best options is to seek additional education and training and become a full fledged physical therapist. Though, many physical therapist assistants generally prefer to advance by specializing in a particular physical therapy area like pediatrics, geriatrics or sports therapy. In addition to this, you may even move into office management where responsibilities primarily include organizing and managing a group of physical therapist or directing a specific physical therapy. Besides this, the profession also offers you ample of opportunities to work in different work centers like-

Nursing care facilities Offices of physical, occupational and speech therapists, and audiologists General medical and surgical hospitals

Future Employmen t Prospect

In terms of employment prospect, many government economists expect the job growth for physical therapist assistants and technicians to be much quicker than the average for all careers in next few years. The profession is anticipated to rank among the twenty-fastest-growing careers. There are several reasons for this employment growth. Many industry experts believe that as per the latest U.S. population, in next few years many more people will need physical therapy. The elderly population is also growing and will continue to do so as baby boomers age is more likely to experience ailments that require physical therapy. Adding to this, as technology advances and better medical treatments become available more and more trauma patients will survive, which in turn will increase the need for physical therapy services.

Salary Outlook

Regarding the salary, the occupation provides a nice platform to earn decent income. Generall y, the income for physical therapist assistants is averaged between $33,000 and $50,000 annuallyand the median annual income for this group reaches approximately $41,360. The important point to note is that the lowest 10 percent earns less than $26,190, while the highest 10 percent earns more than $57,220.

Today certainly it may be considered as one of the few career options that may provide you the long-term job growth and consequential rewards. Handling different responsibilities as a physical therapy assistant or technician, you may be one of the key health care professionals providing care that can be very vital in extending and ensuring healthy life of different patients.

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Bath Salt Ingredient Properties Health and Beauty Benefits

Bath Salt Ingredient Properties Health and Beauty Benefits This article is a companion to my guide to making homemade bath salts. Here you can learn what each of the potential bath salt ingredients are and how to decide which to use for the sort of bath salts you wish to make. With familiarity with the properties of all of the ingredients, you will know what to put in a skin care bath salt mix, what to put in a relaxation bath salt blend, or what to include in a detox formula.
health and beauty
To learn how to make bath salts at home and learn the basic recipe telling how much of each of these ingredients you should use, be sure to click over to How to Make Bath Salts Guide and Recipe. I alEpsom Salts (magnesium sulfate) do wonders for you in a bath. They are best known for their ability to sooth sore muscles; this is because the magnesium sulfate is a muscle relaxant, draws toxins from the body, and is also a sedative and regulator for the ner vous system. Epsom salts reduce swelling. T health and beauty hey also act as a natural emollient and help exfoliate the skin. The magnesium also helps the body and mind relax because studies have shown that it raises serotonin levels (causing calm and mood-elevation), lowers blood pressure, and lowers the effects of adrenaline. Epsom salts, if used regularly (at least three times a week), can also elevate the body's energy level. For more information on Epsom salts, see the Epsom Salt Industry Council.
health and beauty
Sea Salts ~ Unlike table salt, which is highly refined and has been striped of most of its nutrients and minerals, sea salts are naturally high in minerals that are beneficial to the skin and body. They are also generally less processed than table salt. Make sure to find a brand that is high quality and not highly processed (look for sea salt that is course ground and not bleached). Because the minerals in sea salt reflect the qualities of the s ea or region that they were gathered from, certain sorts of sea salts are considered better for bath salts than others. Most highly praised are Dead Sea Salts and Celtic Sea Salts. For better prices, buy in bulk.
Baking Soda ~ Baking soda helps wash away oil and perspiration, and it also neutralizes acids on the skin. Baking soda is especially great for soothing skin rashes, and can even help chronic problems like eczema and psoriasis. Some also claim that it helps counter the negative effects of radiation (whether from the sun or from x-rays, cancer treatments, and the like). It certainly helps a sunburn!
health and beauty
On a side note, where I have found baking soda the most useful is its ability to drain the lymphatic system of toxins and disease. A neuromuscular massage therapist taught me about this quality in baking soda, and it has been the most valuable advice I have ever received for staying healthy. I now take a baking soda bath as soon as possible after exposure to an illness or when I get the first hint that I may be getting sick. When I do this, the illness never develops. It is also very important to take a baking soda bath after a massage that may h ave released some toxins from the muscles or the lymph nodes. Because of this, it is a great idea to use two, three, or four times the amount of baking soda in a bath salt mix that is specifically for detoxification or illness prevention.

Glycerin ~ Glycerin (or glycerine) is byproduct of soap and candle making (and also, more recently, a byproduct of some biofuels. Used in bath salts, it is a very effective skin-softening agent. If you are making a bath salt mix that is particularly formulated for softening and conditioning the skin, glycerin is a good ingredient to include.

Ground Oatmeal ~ Oatmeal is another wonderful skin softener and soother. It is especially helpful for soothing itchy skin rashes like poison ivy, allergic reactions, or eczema.

Essential Oils ~ Essential Oils are wonderful for scenting the bath salts, giving a strong scent that will not fade. They are also high-quality oils that are less likely to have the harmful eff ects that can come with some perfumes and scents. The biggest benefit of essential oils, of course, is their aromatherapy qualities. You can match a particular essential oil to each bath salt, depending on what you plan for the bath salt to help. For instance, lavender essential oil would be perfect for a relaxation or muscle soothing bath salt mix. Mint essential oil would be great for an energizing bath salt. Eucalyptus essential oil would be wonderful in a cold and flu bath salt blend. For more information on which essential oils to use for particular effects, take a look at this list.

Be very careful not to use too much essential oil in bath salts, because when they are too concentrated, essential oils will irritate the skin. Also, be especially sure not to use any of the hazardous essential oils in a bath salt mixture. See the list at the bottom of this page for specific oils to avoid when you have a particular health condition or are pregnant, and also be s ure not to use any of the hazardous oils! For more essential oil cautions and safety information, take a look at the National Association for Holistic Aromatherapy.

Dried Flowers or Herbs ~ Whether simply using flower petals for their scent and beauty or herbs for their medicinal qualities, adding dried flowers and herbs to a bath salt mix gives your bath salts the feel of luxury more than anything else. Having flower petals float around you in your bath also gives bathing an extra sense of romance and indulgence. Be sure to break the leaves or petals up into small enough pieces that they will not clog a drain. Try chamomile or lavender flowers for relaxation, mint for energizing, or rose petals for their scent. Check out this article on bath herbs by Cynthia Andal for more ideas. This article also has a few ideas.

Coloring ~ Coloring is very simple. Some essential oils will color bath salts, but if you would like something a little less subtle, simpl y use food coloring. I use red and blue to create purple for a lavender bath, a little green for a mint bath, some yellow for chamomile, or red to make pink bath salts that are rose scented. so have a specific Lavender Aromatherapy Bath Salts Recipe for relaxation here.

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Reason Why People Used Epsom Natural Bath Salts

Natural bath salts have long been used during baths for medicinal or beautifying properties. There are many different kinds of natural bath salts but the most common are Epsom salts. There are many reasons why people used these kinds of salts.

The use of these goes back several decades and all over the world as well. Epsom salts tends to absorb water even from the air which makes it a bit difficult to weight accurately. These natural bath salts are quite useful both in medicine and cosmetic products and uses.

Uses of Epsom Natural Bath Salts

Epsom salts is the most used and studied form of bath salts available. It is a chemical compound that contains magnesium and sulfate. It is not actually used in its pure from in bath salts but also mixed with other substances. It is commonly used in flotation therapy as well where the salt content of the water is more dense due to the presence of salt, thus encouraging floating. These natural bath salts are also used to soothe tired feet. The salts reduce water absorption of the skin thus reducing the prune effect at the ends of the fingers and toes. Magnesium sulfate that is absorbed through the skin can also help reduce inflammation.

Another use for Epsom natural bath salts can be to treat the water for the health of fish. Some fish can contract what is called dropsy by people who raise and sell fish. It is an appearance of the fish's scales sticking out of its body due to a heavily swollen abdomen. Many describe it as a pine cone like appearance of the scales, especially around the abdomen. In actuality, it is the fish's internal organs that are affected by this condition. Epsom natural bath salts can help encourage the fish's body to expel the unnecessary fluids which deposit in the abdomen.

Using Epsom salts and other natural bath salts during bathing can help rub excess or dead skin from the body as well as give mild exfoliation to our skin. Some other natural bath salts encourage healing of damaged skin but they should not be applied directly into the skin but dissolved in water. Applying directly to broken skin can cause serious pain and stinging.

Natural bath salts are actually als o used for the convenience of not looking 'pruny' while bathing. This is due to the fact that natural bath salts reduce the absorption of water through the skin or osmosis.

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The Wonders of Epsom Salts

Epsom salts are named for the mineral rich waters of Epsom, England, where they were known at least as far back as Shakespeare's day. When bathing, the magnesium sulfate (Epsom salt) is absorbed through the skin and is an inexpensive and natural way to reduce stress, treat skin problems, and draw toxins from the body.

Epsom salts has been a long time remedy natural remedy for a number of ailments. An Epsom salts bath is known to relieve aching limbs, muscle strain and back pain. In addition, it has been known to heal cuts, reduce soreness from childbirth and relieves colds and congestion. Furthermore, Epsomsalts will flush toxins and heavy metals from the body.

Epsom saltst is a natural stress reliever too. Stress drains the body of magnesium. An Epsom salts bath absorbs magnesium into our body thus helping to relieve stress. The magnesium helps to produce adequate amounts of serotonin, a mood-elevating chemical within the brain that creates a feeli ng of calm and relaxation.
Epsom salts has many uses, as an all body exfoliate to remove dead skin cells and promote circulation, as a foot soaking agent to smooth, relax and refreshes your feet and neutralize odors, and as a facial exfoliate.

Below are some easy skin care recipes using Epsom saltd. The cost is minimal yet very beneficial for your skin.

Just Like the Spa!

Massage a handful of Epsom Salt mixed with 1-tablespoon bath oil or olive oil and rub all over wet skin to cleanse exfoliate and soften the rough spots! Rinse well. Note recommended on freshly shaved legs.

Easy Facial Cleanser:

Mix Tsp of Epsom Salt into cleansing cream for a deep-pore cleansing. Massage on skin. Rinse with cool water. Pat dry.

Epsom Salt Detox Bath Recipe

1 Cup Epsom salt

1 handful sea salt

2 Tablespoons bath oil

Pour the ingredients into the tub while the tub is filling.

Epsom salts has wo nderful properties and uses that are beneficial to the mind, body, and soul. In addition, the cost of a box of Epsom salts is so minimal compared to all the fancy packaged skin care products, that you can indulge yourself as much as you like.

For those people that suffer from high blood pressure, heart problems, or diabetes, you should consult your doctor prior to using an Epsom salt bath. Additionally, the information provided above is not intended to replace the care or advice of a physician if you suffer from skin disorders, severe stress or anxiety, or other health problems.

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Ways to Use Epsom Salt for Healthy Living

Epsom salt is a chemical compound that has proven itself for having many uses. One such use that people have discovered for Epsom salt is for promoting good health. Why has Epsom salt come to be associated with healthy living? That is because Epsom salt has magnesium, and magnesium is a very important element in making sure that our bodies are functioning as they should.

By what ways can we use Epsom salt to help keep our bodies in tiptop shape? Here is a list of a few things we can do with Epsom salt for our health.

As bath salts. Epsom salt was first used as bath salts. A good soak in a tub filled with warm water and mixed with two cups of Epsom salt is great for detoxifying the body and relieving stress.

As a foot soak. The feet are often the most abused parts of our bodies, and it is not surprising when we feel pain in our feet. Soaking the feet in warm water mixed with half a cup of Epsom salt can take the pain away from the feet. Doin g so also helps reduce the appearance of varicose veins and helps treat athletes foot and other fungal ailments commonly afflicting the feet.
As a facial scrub. Epsom salt can be an effective agent in cleaning and exfoliating the face. Exfoliating the face is necessary because it sloughs away the layers of dead skin cells from the face and allows newer, healthier cells to emerge. This is easy to do; all that needs to be done is to mix a pinch of Epsom salt with the facial scrub and massage it onto the face. Afterwards, rinse it off.

As a body scrub. Just like the skin on the face, the skin on the body also needs to be exfoliated. But other than that, massaging Epsom salt all over the body can also promote better blood circulation, soften the rough parts and help in making the skin tone look more even. Just rub Epsom salt on your skin and rinse.

As a hair cleanser. The shampoo, conditioner and styling products that we use on our hair often leave remnants on each strand, leading to product buildup. When product buildup happens on the hair, it can be hard for the nutrients supposedly suppli ed by shampoo and conditioner to be absorbed by the hair. To clear the hair of product buildup, mix Epsom salt with your shampoo and rinse thoroughly.

These are just some of the uses Epsom salt has that can help promote bodily health. Having some Epsom salt at home is always handy.

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Colon Cleanse Epsom Salt - Can You Lose Weight With A Colon Cleanse?

Looking for information on Colon Cleanse Epsom Salt? Go here to get a free colon cleanse trial.

Have you been feeling depressed or fatigued? Is your belly feeling inflated? Well, perhaps it's time for a colon cleanse. The thing is that not very many people know how beneficial a colon cleanse is to our bodies and how an unclean colon can affect our health. An unclean colon can sometimes be responsible for causing acne, cramps, and gas. To get started cleansing your colon, you can use over the counter colon cleansers that will make your experience easy.

You can get started right by changing your diet to include foods with a lot of fiber. It also means that you need to rid yourself of all the fast food, all the junk food, and those processed foods that are hurting your health. Don't be discouraged if the eating becomes a chore, because you'll be glad you changed your eating patterns when you see results in your body. But as long as you d on't do it everyday, you can still enjoy these foods in moderation.
Visit this site to get a free month's supply of colon cleansing kit.

To help your colon cleanse along, you will need to include foods in your diet such as healthy and organic food and wholesome foods. You will be able to improve your health with organic foods which cost a little more money but you can use the money you save by cutting down on junk food. In your diet, you should include beef, turkey, fish, vegetables, fruits, and legumes and Colon Cleanse Epsom Salt. Your diet should include whole grain foods because they are healthy and great for your colon and they won't add any extra weight to your body. Remember ever hearing to drink eight glasses of water per day? Well, it's true and it works and you should do it every day. For a bit more taste, squeeze some citrus or lemon juice to what you're drinking. And actually, drinking a glass of lemon water in the morning is a great day to start off your day. If you sit around for five or ten min utes then the drink will trigger your body's natural colon cleanse process.

Fiber supplements are also important for your colon cleanse. You can help your body clean it's colon and eliminate the waste build up with fiber. Click here to learn more about Colon Cleanse Epsom Salt and get a free month's colon cleanse supply.

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The Best Growing Tomatoes - Does Using Epsom Salt Help Your Tomato Plants?

Many gardeners can attest to the popularity of growing tomatoes. The taste of a recently picked juicy tomato is hard to beat. When trying the produce thebest growing tomatoespossible, it is important to make sure the soil has adequate minerals. You may have wondered if using epsom salt can help your tomato plants.

Epsom salt has been used for generations among gardeners. It is a safe and naturally occurring nutrient that contains 2 elements essential for plant growth - 13% sulphur and 10% magnesium. A deficiency of magnesium is usually caused by either a lack of soil magnesium (commonly seen in light, sandy, or acid soils), or by mineral imbalances in the soil or plant.

A magnesium deficiency can cause bitter tasting tomatoes, leaf curling, yellowing between the leaf veins, decreased fruit production, and stunted growth.

There are many ways that epsom salt can help you produce the best growing tomatoes possible:

1) enables the plants to absorb more calcium and other important nutrients from the soil

2) spraying the leaves adds magnesium to the plants

3) improves the growth and overall health

4) helps prevent blossom-end rot

5) increases germination of seeds

6) helps set more blossoms

It is important to test your soil first to makes sure it does not already have a high level of magnesium in it. Most gardeners will mix 1 tablespoon of the salt per gallon of water, and then water their tomato plants weekly. It can also be used as a foliar spray when your plants begin flowering, and again when the tomatoes first form. Another method of adding the salt to your soil is to mix 1 or 2 tablespoons into the soil at the bottom of the planting hole.

A bonus to using the salt is that by sprinkling it on top of the soil, you will deter slugs and snails from bothering your tomato plants.

These are just several methods of how using epsom salt can help you produce healthy and vigorous tomato plants. Growing tomatoes can be fun and provide many tasty additions to your menu!

Deborah is an avid gardener with a special interest in growing tomato plants. Are you trying to grow the best juicy and tasty tomato possible, and avoid disease, pests, and soil problems? Best Growing Tomatoes. Check out this fantastic guide on how to grow fabulous tomatoes right now! http://www.bestgrowingtomatoes.info

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Benefits Of Epsom Salt Bath And Graduated Bath

There are several curative hydrotherapic treatments and the two common among them are Epsom salt bath and graduated bath. In this article you will learn the methods and benefits of Epsom salt bath and graduated bath. Both these water treatments have several health benefits and act as a natural healing process for many diseases.

Epsom Salt Bath

In Epsom salt bath, the bath tub contains about 135-140 liters of hot water at 40 C. 1.5 Kg of Epsom salt are added to it and make it dissolved. Before the patient lies down in the tub his head should be covered with a cold towel and he drinks a glass of cold water. His body is completely immersed in the tub. This is done before going to bed at night.

Epsom salt bath is useful in rheumatism, lumbago, diabetes, cold and catarrh, kidney, diseases, sciatica, gout and skin diseases.

Graduated Bath

In graduated bath, the patient is subjected to bath at 31 C and the water temperature gradually lowered at 1 C per minute till it reaches 25 C, till he gets shivering. This is done every three hour.

Graduated bath reduces the temperature immediately except in malaria and it is tonic to the body by increasing the resistance of the body.

The following precautions must be taken during the treatment:

1.These water treatments must be done three hours before meals especially for entire body.
2.Use clean and pure water only.
3.Used water must be discarded and fresh water is used.
4.For ladies these treatments are better to be avoided during menses.
5.The temperature must be regulated for suitably good results.
6.The thermometer must be used to record heat of water during the treatment.

Disclaimer: This article is not meant to provide health advice and is for general information only. Always seek the insights of a qualified health professional before embarking on any health program.

Copyright Nick Mutt, All Rights Reserved. If you want to use this article on your website or in your ezine, make all the urls (links) active.< /p>

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Effective Benefits of Epsom Salt

Epsom salt has properties that make it useful in treating patients with various illnesses. One of the uses of Epsom salt in medicine is as part of the procedure used by doctors in emergency rooms to revive patients who have suffered from cardiac arrest.

Epsom salt is also sometimes prescribed by doctors to treat patients suffering from colds, respiratory congestion and asthma. In the maternity ward and the nursery, Epsom salt is administered to delay or prolong the labor in women who are experiencing it prematurely. There are studies showing that intravenous application of Epsom salt to premature babies prevent the development of cerebral palsy in them.

Pour two cups into a bath of warm water. Lean back and relax. As you soak, the natural action of Epsom Salt helps soften the rough, dry patches of your skin. You can also rub Epsom salts all over the body, while wet, then rinse and towel off. Rubbing Epsom salts directly on the body exfoliates skin and leaves it smooth and silky. They make a great gift to give someone when you put them in a nice glass jar with lid and tie on a pretty ribbon. You can add scent to them by sprinkling them with essential oil. Or mix Epsom salts with baby oil and keep by the sink if you wash your hands a lot.
As a hair cleanser. The shampoo, conditioner and styling products that we use on our hair often leave remnants on each strand, leading to product buildup. When product buildup happens on the hair, it can be hard for the nutrients supposedly supplied by shampoo and conditioner to be absorbed by the hair. To clear the hair of product buildup, mix Epsom salt with your shampoo and rinse thoroughly.

Try soaking your aching, tired feet in a tub of water with half a cup of Epsom Salt, this will not only make your feet feel better, but also removes feet odor. Epsom Salt neutralizes odor and softens skin. Epsom Salt has been a long time natural remedy for a number of ailments. An Epsom Salt bath is known to relieve inflammation and relieves pain, making it beneficial in the treatment of sore muscles, bronchial asthma and migraine. In addition, it has been known to heal cuts, reduce soreness from childbirth and relieves colds and congestion.

Bruises, sore or strained muscles and sprained ankles receive relief when soaking in Epsom salts. Epsom salts are safe to use but when applying directly to the skin or hair, rinse well. The next time youre shopping for bath, health or beauty products, pass by the fancy, expensive stuff and try Epsom salts for a blast from the past.

Warm the mixture of equal amounts of conditioner and Epsom salt for 15 seconds. Apply this mixture through your hair from scalp to end; leave it for 15 minutes. Rinse with warm water; you can observe the natural glow in your hair.

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Benefits of Epsom Salts, Epsom Salts Advantages

Epsom salts is the common name for Magnesium Sulphate which is a chemical compound containing Magnesium and Sulphate. Epsom Salts are an affordable and easy way to enhance cleansing and to relieve stress. The high magnesium content within Epsom Salts help to draw acids through the skin and therefore mostly used for bathing in.

There are several curative hydrotherapic treatments and the two common among them are Epsom salt bath and graduated bath. In this article you will learn the methods and benefits of Epsom salt bath and graduated bath. Both these water treatments have several health benefits and act as a natural healing process for many diseases.

This kind of salt is readily available. Those with nail fungus might want to try this treatment out. It can be found in the grocery store; just ask for Epsom salts, or magnesium sulfate, as it is oftentimes called. Also, get a nail filer as well. Before you start treatment using Epsom salts, you have file the aff ected nail as much as comfortably possible. Also, you have to file your nails regularly so that the Epsom salt can penetrate deeper into the nail. This could be a great help in speeding up the recovery process.

Unlike most other colon cleansing procedures, this one cannot or should not be performed by yourself, at home. Strict instructions need to be followed. Hypermagnesimis, a very serious health condition, can occur if the body takes on too much Epsom salt. The real name for Epsom salt is magnesium sulfate. Epsom salt, or magnesium sulfate is very good at helping your colon to cleanse itself by naturally flushing out all of the bad stuff that gets stored in there if regular cleansings are not performed. This includes bad bacteria, toxins of many kinds and parasites.

A condition known as hypermagnesimia can occur if too much Epsom salt is introduced into the body. Epsom salt is the name given to magnesium sulfate. Magnesium sulfate is very effective at causing the colon, and the entire digestive system, to rid itself of toxins, parasites, bad bacteria and other undesirable elements that can live in there if the colon has not been cleansed regularly. If an Epsom salt enem a is not performed carefully, several mistakes can be made and too much magnesium sulfate can be put into the body. Side effects can range from indigestion to death. The more serious problems are rare but can occur.

Epsom salts are mainly used to soak in the bath with but can also be used as an all body exfoliate when mixed with oil. This assists in the removal of dead skin and helps to promote circulation. They are also really effective when used as a foot soak which relaxes and refreshes the feet and helps to rid nasty odours! They can also be used to exfoliate the face.

Epsom Salts are named for the mineral rich waters of Epsom, England, where they were known at least as far back as Shakespeares day. When bathing, the magnesium sulfate (Epsom Salts) is absorbed through the skin and is an inexpensive and natural way to reduce stress, treat skin problems, and draw toxins from the body.

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Amazing Epsom Salt Health Remedies

Epsom salt, or magnesium sulfate, is a very important element that helps regulate the human body. Here are 17 amazing ways it can be to keep you in good health.

Epsom salt flushes toxins out of the body, improves nutrient absorption during digestion, helps build the proteins that your joints and brain tissue are made up of, and also helps avoid and/or relieve migraine headaches.
Hair

Use as a conditioner to add shine and volume your hair:

Mix 50% Epsom salt with 50% of deep conditioner in a saucepan, and heat slightly. When the mixture is at a good temperature apply and massage into your hair. Leave this on for 20 minutes then rinse off.

Use as an oil removing shampoo:

Mix 9 Tablespoons of Epsom salt with 1/2 cup of shampoo for oily hair. With dry hair massage one tablespoon of the shampoo mixture into your scalp, and then rinse off with cold water. After rinsing pour lemon juice or apple cider vinegar through yo ur hair, and leave this on for 5-10 minutes before rinsing out.

Use as a gentle hairspray remover:

In a large container add 1 gallon of water, 1 cup Epsom salt, and 1 cup of lemon juice. Mix thoroughly and cover the container. Let the mixture sit for 24 hours prior to using. When you are ready to use it wet your hair with the mixture and keep on for 20 minutes, and shampoo normally afterwards. Skin

Use as a moisturizing hand wash:

Mix equal parts of Epsom salt and baby oil clean & soften your hands effectively.

Use as a skin exfoliator:

Wet your skin in the shower then rub handfuls of Epsom salt onto your skin. health It is best to start at your feet and work your way up towards your face. Take a bath to rinse off.

Get rid of blackheads:

Dissolve 1 teaspoon of Epsom salt in 1/2 cup of boiled water, and add 3 drops iodine. Dip a cotton ball into the mixture and apply to your blackheads three times.

Make your own skin mask:

For dry to normal skin, mix 1/2 teaspoon Epsom salt with 1/4 cup of grated carrot, and 1 1/2 teaspoons of mayonnaise. Apply this mixture to damp skin. For normal to oily skin, mix 1/2 teaspoon Epsom salt with 1 tablespoon of cognac, 1 egg, 1/4 cup of non-fat dry milk, and juice from 1 lemon.

Enhance your nightly face wash:

Combine 1/2 teaspoon of Epsom salt with your normal facial cleaner.health Massage into your skin then rinse off with cold water.

Relieve itchy insect bites:

Dissolve equal parts of Epsom salt with water and use as a compress on your bug bites.

Eliminate foot odor:

Soak your feet in 1/2 cup of Epsom salt and warm water for 10 minutes.

Get rid of toenail fungus and athletes foot:

Soak your toes in hot water and a hand full of Epsom salt three times each day.

Soften rough skin on your feet:

Soak your feet in 1/2 cup of Epsom salt and warm water until the water is cold.


NOTE:
Baking soda is also very effective to use as a skin treatment.

General Health

Eliminate toxins from the body through your skin:

Soak in a hot bath with two cups of Epsom salt for at least 10 minutes each week.

Relieve stress:

Soak in a hot bath with 2 cups of Epsom salt. For further relaxation add a few drops of lavender or chamomile essential oil.

Soothe achy muscles:

Soaking in a hot bath with 2 cups of Epsom salts will reduce any swelling from sprains and bruises.

Remove a splinter:

Soak skin in Epsom salt and water until the splinter is drawn out.

Relieve constipation:

Adult dosage (12 years old and over): Mix 2 6 teaspoons of Epsom salt with 1 cup of water. Drink once or divide into dosages. Lemon juice may be added to improve the taste.

Child dosage (6 12 years old): Use 1 2 teaspoons Epsom salt with 1 cup of water.

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Article 16: Day 2 On Prescription HCG's Low Calorie Diet

I went shopping again last night to get ready for day 2 on the very low calorie diet (VLCD). It's always more effective to go to the grocery store late at night in comparison to mid-day. I think throughout the course of this diet that I'm going to need to go to the grocery store a lot more often than normal. But I can do that.

I am really feeling great about cooking healthy meals. I cooked last night and it was great! It is a little bit impressive, don't you think?

My morning started off with me getting up and getting on the scale to find out that I am at 165.2 lbs. My 1st day left me at a loss of almost 6 lbs. YEAH! If that happened everyday I would be over the moon! But really, just that it happened at all is making me totally deliriously happy.

But I'm assuming that this is one of those days on which I will drop several pounds at once and then have a few days on a plateau. It was described as part of the normal results for some dieter s. Apparently the big drops and plateaus still even out to equal the average of 1 to 2 pounds weight loss per day. And that's something that I can totally support.
It's Saturday. I absolutely ignored the fact that yesterday was Black Friday. I blew off the shopping because I hadn't thought of anything I needed desperately and I was really busy. I was dieting!

But I did remember something this morning that I really wanted to get during the big sales so we're headed out. I am getting the kids ready. I already took my Prescription HCG injection and my B-Total. We're going to leave right after lunch.

For lunch I had a bit of leftover Shake and Bake Tilapia (Prescription HCG Recipe Guide version). I also had a sliced tomato with fresh ground pepper. And I tossed an apple in my purse for my fruit serving.

My kids begged for kids' meals since they knew where we were headed and I promised them we'd stop for kids' meal during the day.

After we hit a few stores the kids decided they wanted to eat so we headed to the mall's food court.

And to make a long story short...that's how I e nded up at the mall's food court with Chick-fil-a on one side and Panda Express on the other. I got up and got myself a Diet Coke out of desperation, but even that didn't do it. I have to admit that I totally broke. I had a few bites of Mango Chicken off my daughter's plate and I had 2 pieces of chicken from my son's Chick-fil-a Kids' Meal (it's the buffalo sauce...it's amazing).

So it's only the second day and I've already broken the prescription HCG diet protocol. shoot! But I did get right back on track. I came home and had a romaine salad and slapped myself on the wrist and promised myself the punishment would be worse the next time I fell off the wagon. Hopefully I'll be more well behaved tomorrow.

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HCG Injection Diet Or Homeopathic Diet: Spicing Beef Lean Proteins Is Simple

It doesn't really matter if you've chosen to work with the HCG injection diet or the homeopathic HCG diet...it can be tough to stick to the VLCD. The list of approved foods is short. But variety is still allowed. Dieters can absolutely take advantage of the full list of approved foods. Dieters should never cut out any foods for silly reasons like they don't think they like it or they didn't like it that one time they tried it. The list is too short for that silliness. There are also recipe guides that can be very careful. But many forget that they are allowed many spices on the diet. And there are many ways to use the approved spices to add variety to the limited diet. And that goes for both the homeopathic HCG diet and the HCG injection diet.

Think about your list of approved spices and then apply them to your approved list of meats. Yesterday's article discussed poultry and the appropriate spices and seasonings that will maximize the taste and enjoyment that can be had from this simple protein. Today we'll discuss just what to do with lean cuts of beef that will maximize their taste without breaking the HCG injection diet and homeopathic HCG diet rules.
Spices that work well for beef that are HCG approved are: chili powder, garlic, basil, bay leaf, oregano and thyme. Amongst the list of approved lean beef cuts are the roast and a few different popular steaks. So try these popular options.

Preparing a roast? You cannot add your usual potatoes and carrots, but you can absolutely toss in your traditional onions and celery. We have heard of some who will cook their roast with onions and then right before it is completed they will add a chopped up head of cabbage. While the most traditional spice for this type of meal is salt and pepper (use good quality sea salt and freshly ground peppercorns) there are some additional options.

You might enjoy drizzling a mixture of vinegar and thyme over the roast/veggies before cooking it. Use the vinegar that is approved according to the protocol. Chop up the thyme and mix it in with the vinegar. Such a mixture leaves the meat tenderized and adds flavor.
Spice/herb combinations can be used regardless of the cut of beef you are working with. If you are working with a less expensive cut of beef you may need to cook it longer or marinate it longer. You will also need to adjust the "amount" of spice/herb depending upon the cut of meat. You'll stumble upon these things as you go.

Even if you use the drizzled mixture mentioned above you will still need a spice combo to use as a roast rub. Here's a basic mixture to try rubbing directly on the roast before cooking: 3 tbsp minced fresh parsley, 1 tsp dried basil, 1 tsp dried rosemary, 4 tsp minced fresh garlic, 2 tsp salt, 1 tsp ground pepper.

Mix the combination well in a small bowl. Rub the mixture directly onto the outside of the roast and then place it in the pan or slow cooker. The amount of spice listed above should be appropriate for a roast weighing between 5 and 8 pounds. Before applying the seasonings pat the roast dry.

This is just a start on what you can do with all the approved spices on your HCG injection diet or homeopathic HCG diet. If you make use of everything you are allowed on the diet you will be able to go much farther than you expect when it comes to providing tasty meals that provide you with the satisfaction of sticking to your diet and feeling like you had something "good for dinner."

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Article Eleven: The HCG Protocol For Dieting

Alright. So we talked yesterday...the package arrived. I told you about the products that were included in the package. And I left you hanging with the promise that today I would share with you what was included in the Prescription HCG protocol for weight loss Instructional book. So it's that time!

It started off with general introduction to the negative relationship most people have with food. It talks a little bit about how weight issues affect health and how they are rampant in today's society. It discussed some of the most "popular" bad eating habits like fast foods, eating out, fried food, etc.

It also tells us that the way the Prescription HCG results in weight loss means that on some days there will be no marked weight loss but on other days there will be with drastic drops. This is because the Prescription HCG and the 500 calorie diet result in fat being burned for energy. Fat being burned for energy results in empty fat cells. Empty fat cell s are often filled with water until the tissue is finally broken down and the water is liberated. Bathroom trips while on the diet will be fairly frequent.
The helpful hints section is a favorite. Here are a few that stood out. Hint 1: Be careful of salt intake. It can cause water retention. Hint 2: Don't use lotion or moisturizer. They contain fat and oil that your skin will absorb. Hint 3: Try buffalo...buffalo meat is apparently a very healthy, lean protein. If it's avaialable in my area I'm going to give it a try!

Sounds very interesting. I wonder why I've never tried buffalo meat before. If I can't find it...it's not a big deal since there are other options. But I'd like to try it. I'm checking into it. The section also reminded dieters that there is no gum, mints, diet soda, etc.

The diet soda and Crystal Light type drinks are not allowed because of the type of sweetener that is used for them. This is sad for me. So sad, in fact, that I think I'll email the company just to verify that there is no way around this. There's also no butter, oil or fat. And that's not all of the goodies that are in cluded in the protocol, but the rest I'll have to save for another day.

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The Very Low Calorie Diet for HCG Weight Loss

HCG Platinum's homeopathic formula is changing lives one pound at a time with its unique prescription and diet protocol. On the diet, 500 calories a day are consumed and taken with HCG Platinum drops which aid in suppressing the hunger that dieters may experience. Many feel that eating 500 calories a day is difficult, since it is such a major adjustment from their regular eating habits. Others feel that 500 calories a day is an unhealthy way to lose weight. However Dr. Simeons, developer of the HCG diet proves that with HCG, 500 calories is not unhealthy or impractical.

Dr. Simeons' research not only includes his scientific discoveries, but also discusses the history of obesity. His research goes back to Neolithic times, when man would eat only when he was hungry, and then, only enough to eliminate hunger pains. As prosperity has emerged in modern society however, eating is no longer a physical requirement, but has evolved into a social, mental, and even emotional experience, not without consequences. Dr. Simeons states that:

The institution of regular meals meant that man had to eat more than his body required at the moment of eating so as to tide him over until the next meal. Food rendered easily digestible suddenly flooded his body with nourishment of which he was in no need at the moment. Somehow, somewhere this surplus had to be stored.

As humans have evolved, diet patterns have also, but human bodies have not necessarily evolved simultaneously. With more and more calories entering the body, fat is stored instead of processed, resulting in excess fat and obesity. When taking the HCG Platinum drops and following Dr. Simeons diet, the 500 calories a day is sufficient for all patients. Dr. Simeons states:

Just as the daily dose of HCG is the same in all cases, so the same diet proves to be satisfactory for a small elderly lady of leisure or a hard working muscular giant. Under the effect of HCG the obese body is always able to obtain all the Calories it needs from the abnormal fat deposits, regardless of whether it uses up to 1500 or 4000 per day. It must be made very clear to the patient that he is living to a far greater extent on the fat which he is losing than on what he eats.

Luckily, weight-loss research has evolved along with eating trends. HCG Platinum allows dieter's to make up for over-eating habits, lack of exercise, or even genetic fat storage tendencies when coupled with Dr. Simeons' 500 calorie diet.

Although dieter's would lose weight when eating 500 calories daily without the HCG Platinum formula, HCG Platinum allows the body to lose the weight from the stored or excess fat. Without the HCG hormone, the body would believe it was in starvation mode, and cling to the excess fat rather than burning it as an energy source, which is what the HCG Platinum formula allows it to do. With HCG Platinum, the 500 calorie diet is not only healthy; it is also effective for those who desire to lose weight.

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Can You Lose the Same Amount of Weight by Eating a Low Calorie Diet Without HCG Injections Or HCG Diet Drops?

Are you overweight? Do you want to be slim for life? Many people want to be slim but it is hard to stay fit these days. That is not a problem anymore, because HCG diet is the answer to your problem.

So what is HCG diet? HCG, Human Chronic Gonadotropin, is a natural hormone that initiates hypothalamus, a major regulatory gland in human body that helps to control one's fat burning and bodily metabolism. This fast weight loss diet is mainly a very low calorie diet combined with consumption of daily HCG injection or oral drops for fast fat loss result. You don't need to exercise and still lose a significant amount of weight quickly while on this diet. The typical result is an average of 0.5 to 2 pounds per day for dieters who follow the diet protocol strictly.

This popular HCG diet was developed in the 1950s by Dr. A.T. W. Simeons, and is a much loved these days, because it does not require dieters to work out - just follow to the HCG protocol to the letter and watch the extra pounds melt away for good. This diet is the perfect for someone who want to lose weight fast.

HCG diet is safe, effective, and not expensive. This diet is particularly effective for losing stubborn unwanted pounds. The HCG weight loss is natural and healthy process for the reason that HCG aim only the excess fat and it works very well on problematic areas such as waist, thighs and bottom area where the stubborn fat stores are. The diet doesn't require special and pre-made meals like other popular dieting methods, so there are much lower grocery bills. And the metabolism is rearranged which helps to keep the weight off long term. Most of all, this low calories diet is very safe no major side effects or potential problems have been reported for partaking this diet in the past five decades.

So can you lose the same amount of weight fast by eating a low calorie diet without any help of HCG injections or HCG diet drops? The answer is possible, but the whole process will be much difficult and the chance of losing the battle is much higher. HCG hormone is the natural appetite suppressant. Without the daily HCG supplementation, dieters will find it's tougher to follow the 500-calorie-per-day diet. They will more likely to cheat on foods that are not allowed on the very low calories diet, which may slow down the weight loss or even cause the dieting effort to fail completely. This natural hormone also helps boost one's metabolism and burn the unwanted fat stores, which leads to fast fat loss and keeps the weight off for life.

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Dania Beach People have started using Diet Doc hCG diet

Recently there has been a thrill with people of Dania Beach, Florida about the Diet Doc hCG weight loss diet. The people of Dania Beach have discovered the usefulness of the Diet Doc hCG diet and they are now using it for weight loss.

What is Diet Doc hCG diet? A diet which has its roots back in 1950's has been modified and improved by doctors at the Diet Doc hCG weight loss programs. The modified diet much known as the Diet Doc hCG diet has become one of the most sought after methods for weight loss in Dania Beach.

Why do people prefer this weight loss program? The reason is obvious people are getting good results with Diet Doc hCG diet and they are sharing their happiness and success with others. The most admirable thing about Diet Doc hCG diet is their honesty about the method and the results.

Diet Doc reports, many online sites make unqualified and unsubstantiated claims on the effectiveness of the hCG weight loss program. They claim that patients are losing 3 pounds of fat per day. They claim that hCG is a permanent cure for obesity. Neither of these outrageous claims is true and in most states in this country making fraudulent medical claims is not only unethical, but illegal.

Our physicians take great pride with modernizing our hcg weight loss protocol. Our doctors train physicians all over the USA on our hcg weight loss protocol. Why? Because our doctors modernized the protocol so it's relevant to 2011 clinical and nutritional standards and it's safe.

Being overweight is not good. On one hand, you have to face the common problem that people say "you don't look good" or they make fun of you and on the other hand it is the root cause of many diseases. Being just 20% overweight can be dangerous for a person. For the people in Dania Beach who are overweight, try the Diet Doc hCG diet and you will be impressed by it.

* These weight reduction treatments include oral hCG or an injection of hCGa drug, which has not been approved by the food and drug administration as safe and effective in the treatment of obesity or weight control. There is no substantial evidence that hCG increases weight loss beyond that resulting from caloric restriction, that it causes a more attractive or "normal" distribution of fat, or that it decreases the hunger and discomfort associated with calorie-restrictive diets. Results may vary and cannot be guaranteed. Medical supervision and compliance with our program is required.

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Thinking about getting a TUMMY TUCK OR MINI TUMMY TUCK?? Here you will find the answers, tips, and 100's of FAQ

TUMMY TUCK CENTER... MORE THAN A 100 FAQ'S ON TUMMY TUCK PROCEDURE, TIPS, GUIDANCE AND MORE...

>> Learn all you can before deciding having your plastic surgery done.

ARTICLE 3 OF A 5 ARTICLES SERIES CONCERNING

41) What can I do to expedite the healing process of my surgery?

Many surgeons recommend that Tummy Tuck patients begin a program of light exercise after the 5th day following surgery. The motion resulting from this activity will reduce swelling, decrease the possibility of developing blood clots and enhance skin tone. Vigorous exercise, such as lifting heavy objects, etc., should be put off until the surgeon advises otherwise.

42) When can I resume my normal activities such as housework and work in general?

Mainly, patients shouldrest doing only the light domestic chores which are permitted for the first week then gradually increasing thei r usual activities and social engagements the following week and the one after that. Although it varies according to their pre-operation physical condition, its possible to return to normal life and work after 2-4 weeks.

43) When can I resume physical activities such as work out?

Sporting activities, such as swimming, yoga, and light sporting activities, can be resumed after 3-4 weeks. As far as the more energetic sporting activities (skiing, tennis, football, basketball, sailing,and underwater fishing), it is better to wait for at least 6 weeks post surgery.

44) When will I be able to resume my sexual activity (intercourses)?

Sexual intercourse can be resumed after 2 weeks. However, it may depend on the persons comfort.

45) What about driving? When can I resume it?

Driving can be resumed after 2 weeks.

46) What do I need to do to prepa re for a tummy tuck?

Follow these helpful pre-surgery tips provided by Cosmetic Harmony to help decrease the risk of Abdominoplasty complications. Taking the necessary steps to properly prepare for surgery is the best way to ensure that you achieve all the benefits from your Tummy Tuck surgery. And, have a smooth Tummy Tuck recovery. Below are important factors to consider prior to Abdominoplasty surgery, including:

a well-balanced diet; whether youre a smoker; your exercise level; your other medical problems, if any; your use of medications, if any; and the need to arrange for someone to take care of you following surgery.

Maintaining a well-balanced diet is central to preparing for any type of surgery. Providing your body with the proper nutrients helps to strengthen your immune system, which will result in a faster recovery. Taking a multivitamin may be helpful in some cases, but be sure to discuss this with your doctor first. Some vitamins t hat are normally good for the body may increase the likelihood of deep scarring or produce an otherwise inhibited healing process. It is important that you avoid vitamin E intake for about two weeks prior to undergoing surgery, as vitamin E can interfere with blood clotting. Under normal circumstances this helps decrease an individuals likelihood of contracting heart disease, but in the context of surgery it can lead to hemorrhaging. Wheat germ, nuts, and some vegetable oils contain the largest amounts of vitamin E.

Candidates for Abdominoplasty should be as close to their ideal weight as possible before the Tummy Tuck is performed. Obese patients are generally poor candidates for Abdominoplasty as they are at higher risk for complications during the post-surgical healing process. Eat a well-balanced diet and safeguard your health by losing the weight prior to getting a tummy tuck.

Stop Smoking!

Smoking increases the risk of surgical com plications, whatever the surgery. Smoking decreases the amount of oxygen that is circulated to your skin cells by constricting your skins blood vessels. Less oxygenated skin cells have a slower healing response. If you smoke, your surgeon will probably recommend that you stop smoking at least two weeks before your Tummy Tuck is scheduled. Even then, smokers are at increased risk compared to non-smokers. Nicotine patches or gum should not be used to take the place of cigarettes or cigars as they also are associated with increased complications.

Regular Exercise

Regular exercise is helpful in preparing for Abdominoplasty surgery. By exercising, you increase your metabolic rate and build muscle mass, which helps you to avoid gaining weight during the sedentary Tummy Tuck recovery time. A strong heart promotes a faster immune response thus speeding up your Abdominoplasty recovery so be sure to include plenty of aerobic exercise i n your fitness regime.

One risk faced by Tummy Tuck patients is the formation of blood clots in the legs. Your doctor will usually recommend that you take gentle walks during your recovery process to decrease the likelihood of experiencing this complication. However, having strong, well-toned leg muscles prior to surgery will help your body combat the formation of blood clots during the initial day or two after surgery, when you are unable to move or will be moving with difficulty.

Another reason to exercise before undergoing Tummy Tuck surgery is that the best Abdominoplasty candidates are within 15 percent of their ideal weight. Abdominoplasty can lead to dramatic improvements to the appearance of people with small, but stubborn, fat deposits and loose, sagging skin around the belly area. It is not, however, necessarily the best choice for seriously overweight patients. Losing a lot of weight after an Abdominoplasty can also undermine Tummy Tuck results, leading to the need for further surgery to reshape the abdominal skin. Those whose weight prevents them from being good candidates for Abdominoplasty may wish to consider the possibility of liposuction instead.

TUMMY TUCK INCISIONS AND SCARS

47) Does an Abdominoplasty leave obvious scars?

With a full tummy tuck, the horizontal incision is placed along the upper end of the pubic hair and extended toward the love handles or hips. It is important to discuss with the surgeon the design of the preferred underwear in order to make a strategically positioned incision. In most cases it is possible to put the incision in a position which will be covered by the patients preferred underwear or swimsuit.

48) Where the mini Tummy Tuck incision is made?

During a Mini-Abdominoplasty, the plastic surgeon makes an incision that generally spans only the width of the pubic area, similar to a C-section incision. In both procedures, patients with excessive fat in the hips and flanks may have liposuction to contour these areas. However, liposuction is not recommended in the areas of the abdomen that are being stretched because this could cause damage to the blood circulation in those areas, leading to scarring or even skin loss.

49) Is there a difference in the size of the scars between the mini Tummy Tuck and the full tummy tuck?

The amount of ski n excised with the Tummy Tuck determines the length of the scar. For a full tummy tuck, a large amount of skin is removed and the resulting scar is usually from hip to hip. On the other hand, the scar resulting from a mini Tummy Tuck may be one half the size of a full tummy tuck. The size and location of the scar is planned with the patient based on their individual anatomy and desires.

50) Will the Tummy Tuck incision leave scars on my abdomen? Will I be able to use a two piece bathing suites without concerning about scars?

During Mini-Abdominoplasty (mini tummy tuck), the plastic surgeon makes an incision that generally spans only the width of the pubic area, and that is similar to a C-section incision. As with most surgical procedures, scars do result from tummy tucks. Typically, surgical scars appear to worsen during the first few months following a Tummy Tuck - this is normal. In some Tummy Tuck cases it may take up to a year before most scars flatten out and lighten in color. While scars never disappear completely, Tummy Tuck scars are placed in areas that will subsequently be covered by clothes, two piece bathing suits, etc. A skilled plastic surgeon makes this incision so that the resulting scar is hidden under a bikini or by undergarments.

51) Is there anything I can do to reduce scarring or bruising?

For the first or two days after surgery most doctors recommend that you have as much rest as possible. Some patients feel that applying vitamin E or Aloe Vera to the scar may help. If you apply these creams do not rub the scar for about six weeks because you can damage the fragile new tissue. If you have tapes or stitches in place, do not use any cream or lotion unless instructed.

52) Can I have the scars removed by laser?

The cars can not be removed by laser. The scars will, however, fade with time but do not disappear.

53) How should I take proper care of cosmetic surgery incisions?

You will have steri strips over the incisions for the first four-to-six weeks after surgery. Once the steri strips come off, our team of doctors recommends Mepiform. It is a silicone sheeting that aids in the healing process of your scars. You will wear the Mepiform for approximately three months.

54) Would I have drains after surgery?

Drains may be used to evacuate fluid that is produced under the skin; they are generally removed the week after your Tummy Tuck surgery. This allows the skin and superficial tissues to adhere faster to the underlying muscle and fibrous tissue. At Cosmetic Harmony the patients who minimize activity in the week following surgery are frequently able to remove their drains sooner.

55) Would I have to remove sutures or staples?

Most of the sutures that are used to close the in cisions are absorbable and do not require removal, but there is also one long suture that needs to be removed 20 days after surgery. If the patient is flying back home before this date, the doctor will instruct the patient on how to do it at home in one single step. Our physicians do not use staples, so there won't be any hatch marks. It also may vary in some cases so consult your plastic surgeon.

TUMMY TUCK/ ABDOMINOPLASTY FOR MEN

56) Can men benefit from Abdominoplasty?

Yes, there are now many men taking advantage of Abdominoplasty for treating a large and protruding stomach or excess fat in the abdomen region.

The following instances are reasons men can significantly benefit from Abdominoplasty. Frequent or dramatic changes in weight can cause the abdominal muscles to weaken, the skin to sag, and stretch marks to appear for men. In many cases, however, simple aging is the primary reason behind the flabb y midsection that is the source of frustration and disappointment for many men. As we age, fat redistributes itself to the abdominal area. For many men, exercise alone cannot produce the slim, fit, and youthful looking result they desire.

57) How common is Tummy Tuck surgery for men?

Thus, a Tummy Tuck (Abdominoplasty) can help patients achieve their ideal figure following a successful program of diet and exercise.

58) Does a male Tummy Tuck differ from a female tummy tuck?

Yes. Because Abdominoplasty is a form of body contouring, a male Tummy Tuck differs from a female Tummy Tuck in that the surgeon is trying to achieve a very different body aesthetic. Further details of the procedure are noted below.

59) How is the male Tummy Tuck procedure performed?

Abdominoplasty surgery for men is usually an outpatient procedure, performed under general or local anesthesia and sedation. In a traditional male Tummy Tuck procedure, an incision is made in the lower abdomen from hip to hip, and a second incision is made to reposition the navel. The abdominal muscles are tightened and excess skin is removed. The remaining skin is stretched to create a firmer, tighter abdomen.

Mini Tummy Tuck: In an endoscopic / partial, or "mini," male tummy tuck, less skin is removed, and the navel is left intact. A smaller incisional scar is left behind, and the recovery time is shorter compared to the full male Abdominoplasty. Liposuction can also be performed at the same time to remove any excess fat from the area. During the endoscopic tummy tuck, small incisions are made and using a small camera device, the surgeon tightens the abdominal area. No skin is removed in this procedure and it is less invasive than other Tummy Tuck procedures.

Full Male Tummy Tuck: The full male Tummy Tuck procedure takes approximately two-to-five hour s and the partial male Abdominoplasty requires one-or-two hours to complete.

Extended Tummy Tuck: In an extended tummy tuck, the surgical incision extends around the patients flanks, and the treatment area is expanded to include the love handles and upper hips.

To determine which type of Tummy Tuck might be most appropriate in your case, consult a surgeon in your area or send pictures to contact@cosmeticharmony.com for a Free Consultation and Quote.

60) What are the benefits of the Tummy Tuck for Men?

Male Tummy Tuck surgery (or male Abdominoplasty) can improve the appearance of the abdominal region through the removal of excess skin and tightening of the abdominal muscles. For the best results, male Abdominoplasty should be teamed with a balanced diet and regular exercise. A common and highly successful Tummy Tuck surgery can create a tighter and flatter abdominal area for men, as well as provide a boost in confidence and a new, more youthful contour.

YOU CAN RESEARCH 100'S MORE FAQ's AT:

www.cosmeticsurgeryanswers.wordpress.com

OR READ ABOUT NEW COSMETIC SURGERY TRENDS AT:

www.cosmeticsurgerytrends.wordpress.com

FOR MORE INFO AND FREE QUOTES SUGGESTED BY ANGELINA COOPER CALL:

Angelina Cooper, Cosmetic Surgery Consultant

305-726-0527

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How to Play classic games like Donkey Kong on your Nintendo Wii Console

One of the most popular early Nintendo games was Donkey Kong. I remember spending hours playing that one! If you did as well then this is certainly a game you will want to download from the Nintendo Wii virtual console. There are plenty of versions too including Donkey Kong Jr. and Donkey Kong Country. With the virtual console offered by Nintendo Wii you can have access to them again. You can access the games that were originally made for Nintendo, Super Nintendo, Nintendo 64, and the Sega Genesis. It is also very simple for you to download them and start playing them. Now you can have the benefits of the newer gaming console but with the games you really are nostalgic about. In order to download them you will need to connect your Nintendo Wii to the internet. There are complete instructions for completing this process both in your instruction manual and online. You can also contact customer support if you are having trouble completing this part of the process. Once you h ave completed this process you will need to use your Nintendo Wii to select the Wii Shop from the Wii menu that will be displayed on your screen. You will need to purchase points with your credit card for your Wii Points Card. Each one of these older games is going to cost a set amount of points, but the points you place on your card never expire. This means you can load as much as you want on it and buy the games as you want to either now or in the future. Take a look around to see all of the games that are available. Chances are you will be familiar with a number or them. When you are ready to buy a game from the Nintendo Wii virtual console you just click it on the screen. It will quickly be downloaded and stay in your Nintendo Wii menu for future access. You will only have to purchase the game once and then you can play it as much as you like. From start up, you will be directed to the place on your Nintendo Wii where these games are saved. That way you can easily access them whenever you want to. Chances are your children may not have played many of these games before, so you'll enjoy teaching them how to do so and have some fun beating them for a while until they get their strategy in place. This is just one more of the many wonderful benefits that the Nintendo Wii offers to consumers. That is why it is very true when you hear that they offer something for everyone. It doesnt matter if you are into the older games, the newer games, or a combination of both. You will have plenty of them to access whenever you feel like taking some time out of your day for video games.

One of the most popular early Nintendo games was Donkey Kong. I remember spending hours playing that one! If you did as well then this is certainly a game you will want to download from the Nintendo Wii virtual console. There are plenty of versions too including Donkey Kong Jr. and Donkey Kong Country.

With the virtual console offered by Nintendo Wii you can have access to them again. You can access the games that were originally made for Nintendo, Super Nintendo, Nintendo 64, and the Sega Genesis. It is also very simple for you to download them and start playing them. Now you can have the benefits of the newer gaming console but with the games you really are nostalgic about.

In order to download them you will need to connect your Nintendo Wii to the internet. There are complete instructions for completing this process both in your instruction manual and online. You can also contact customer support if you are having trouble completing this part of the proces s.

Once you have completed this process you will need to use your Nintendo Wii to select the Wii Shop from the Wii menu that will be displayed on your screen. You will need to purchase points with your credit card for your Wii Points Card. Each one of these older games is going to cost a set amount of points, but the points you place on your card never expire. This means you can load as much as you want on it and buy the games as you want to either now or in the future.

Take a look around to see all of the games that are available. Chances are you will be familiar with a number or them. When you are ready to buy a game from the Nintendo Wii virtual console you just click it on the screen. It will quickly be downloaded and stay in your Nintendo Wii menu for future access. You will only have to purchase the game once and then you can play it as much as you like.

From start up, you will be directed to the place on your Nintendo Wii where these games are sav ed. That way you can easily access them whenever you want to. Chances are your children may not have played many of these games before, so you'll enjoy teaching them how to do so and have some fun beating them for a while until they get their strategy in place.

This is just one more of the many wonderful benefits that the Nintendo Wii offers to consumers. That is why it is very true when you hear that they offer something for everyone. It doesnt matter if you are into the older games, the newer games, or a combination of both. You will have plenty of them to access whenever you feel like taking some time out of your day for video games.

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Endowment Policies - Everything You Need to Know

There really is no easy way to describe an endowment policy without going into the complexities of how and why they work, so some of this might be difficult to read, however I'm going to stay away from legal terms/jargon as much as possible and give you straight facts in plain English.

First let us discuss what an endowment policy is. An endowment policy essentially, is a life insurance policy with an element of investment. It is not a mortgage. Endowment policies were generally sold to pay off mortgages but in the vast majority of cases, the insurance company and the mortgagor are two separate companies. Usually endowments were sold to run alongside the mortgage, where the lender paid off the interest and used the proceeds from the endowment to pay the capital sum (the amount actually borrowed).

One would be taken out to insure your life for the amount of capital and the investment would be used to pay off the mortgage capital, should the policy holder/s sur vive the term of the contract.

What this means is that a proportion of your monthly premium is going towards the life cover, with the remainder towards the investment. Providing your policy matures "on-track" you will have paid off your capital sum when the term has run.

Unfortunately, most (if not all) endowments are now falling short of their target amount.

Two define endowment policies we would need to create two sub-categories as the two types run in completely different ways.

Unit-linked policies With-profits policies

Unit linked

A unit-linked policy is invested in the stock market, all the funds which can be invested in (each fund being a portfolio of different shares, properties or equities) are controlled by a fund manager and your investment will rise and fall in line with the stock market or inflation, depending on the fund choice.

The fund manager is the person responsible for trying to get you the b est return on your investment, however, you can change funds at any time so if one fund is not performing, or has hit its peak, you can change into a different fund.

The potential risks on with-profits policies are minimised by the fund manager spreading the fund amongst a number of different companies so that if one has a bad time, the overall fund would barely feel it. Counterpoint to that though is that if a company produces amazing results, any potential gains would be barely felt too.

Due to the spread, the fund should rise (or fall) in line with the overall performance of the stockmarket.

With profits

With-profits policies are not directly affected by any stock market fluctuations (although if the economic climate is on a downturn, the need for money heightens for policy holders and this can affect the with-profits policies), and are relatively stable in comparison with unit-linked policies.

With-profits are based on how the company a s a whole is performing. A percentage of the profits the company makes gets passed onto the with-profits members through bonuses. These bonuses get paid yearly and at the very end of the term.

As with unit-linked policies, a proportion of your premium is used as life insurance, and the rest is used for the investment.

As a quick guide to with-profits policies, you need to be aware of the following terms:

Sum assured - This is the cash amount that you have been guaranteed to make off the policy from the outset providing it matures. Reversionary bonuses - These are the bonuses that get applied to your policy on an annual basis. Terminal bonus - This is the bonus that gets applied to your policy when it is exited.

Find out what your Sum Assured is and add it to the amount of reversionary bonuses you have had to date. This figure will be your worst case scenario. These figures are guaranteed (providing the policy matures).

Wh at invariable affects the value that your policy matures at will be the terminal bonus. This is a percentage figure and is added to the total of the sum assured and reversionary bonuses applied to date. When you see the value of your policy dropping, it is the terminal bonus that's causing this.

To give you an idea of how the terminal bonus has dropped over the last 10 years I can quote one insurance company I recently called, I'm sure they are neither the best nor worst performers but I'm using them as an example. This is for a 25-year term.

Terminal bonus 2009 - 15% Terminal bonus 2000 - 175%

Now if I gave you some rough figures here, you will see just how much of a difference this has made to the maturing value of a policy. We will use exactly the same example but maturing 9 years apart.

Target amount - 50,000 Sum assured - 20,000 Reversionary bonuses - 10,250 Terminal bonus (15% of sum assured + reversionary bonuses) - 4,537.50 Total maturity value - 34,785.50 Shortfall of - 15,214.50

And now if that policy was maturing 9 years ago:

Target amount - 50,000 Sum assured - 20,000 Reversionary bonuses - 10,250 Terminal bonus (175% of sum assured + reversionary bonuses) - 52,937.50 Total maturity value - 83,187.50 Excess of - 33,187.50

As you can see, on an average 50,000 policy, the difference in the maturity values over the last 9 years amount to 48,402.

Now by now you might very well be thinking of calling your insurance company and asking them what the hell they are playing at. But before you do let me tell you why these w ith-profits policies are not hitting target right now (and likely never will again). It's because of people surrendering the policies early. You see, the performance of these funds is based on the amount of money in the fund. As more and more people cash in their money early (therefore not allowing for the desired level of growth) more money is taken out of the with-profits pot.

These policies are failing because of the people surrendering the policy early, taking their money and running.

What to do with these policies

Well you do have a number of options.

Leave the policy to mature Surrender it early Sell it Complain

You can leave the policy to mature. If you have a unit-linked policy then on the day of the maturity, the value of the fund will be locked in and paid out to you. If your policy is with-profits, the terminal bonus on the date of maturity will get applied and the policy will be paid out. Please be aware that the terminal bonu s rate can change at any time though and it might be that you are unlucky and it changes the day your policy matures. It may even be taken away completely and you would be left with the worst case scenario as I mentioned earlier.

You can, of course, surrender the policy early. There should be no penalty for surrendering it early (unless possibly you are in a with-profits fund in a unit linked policy), however with a with profits policy your values are going to be reduced. As in the example we went through earlier, if your sum assured was 20,000 then you would expect to get 20,000 if you surrendered the policy on the second day would you? This sum is only assured on the maturity of the policy and as such your sum assured would be reduced to reflect how many years you had been paying into the policy. Likewise with the terminal bonus, say you surrendered 22 full years into a 25 year term, you would get a terminal bonus based on a 22 year policy.

A better option th an surrendering the policy would be to sell it. Endowment buyers will offer you more than the surrender value (upto 20% more depending on the contract) for a with profits policy. You won't however be able to find a buyer for unit-linked policies, there is simply no value in it for them as they fluctuate in value. Why would people want to but these policies? Well because they are actually good, low risk investments and the amount of future premium they will pay opposed to the potential returns make it worth their while. Well then, why do people want to sell? Because mainly they look at their target amount (and how much they were promised the policy would mature at by the person who sold the policy) and seeing the shortfall is excessive, they think they made a huge loss, whereas they actually have made a profit on how much they have paid in. Endowment buyers base their decisions purely on whether or not they are likely to make a profit from that point in time, not from 20 year s ago.

Can I make a complaint about the policy?

Yes! Although you need to be aware of exactly what you have issues with first of all. There are two approaches and you can take up neither, one or both of them and in no way whatsoever should it impact on the value of your policy, or the speed in which it is paid to you.

Complain about the selling of the policy Complain about the under-performance of the policy

To complain about the selling of the policy

If you feel the policy was mis-sold then you have the right to claim against the original selling agent. Were you:

Told an amount the policy would mature at Told you would be able to afford a nice holiday and have money in the bank when it matures Not told (or told the wrong thing) about the element of risk involved

If so, you should get in contact with your insurance provider and ask them to provide the name and address of the original selling agent along with their FSArefer ence number. You might think you know it already, however they might have been owned by a larger organisation so always check first. Once you have the FSAreference number, attempt to contact the seller of the policy and explain that you feel the policy was mis-sold. They are duty bound (and regulated) to get the matter resolved but if you are unhappy with what they present, you can then get in contact with the Financial Services Authority, quoting the FSA reference number and advising them that you would like to raise a mis-selling complaint. They will ask you if you have tried to contact the agent to get it resolved. If the FSA can't help you (maybe because of the date the policy was sold, or the agent has passed away) then all is not lost. Contact the FSCS (Financial Services Compensation Scheme) and try to raise a claim through them.

To complain about the performance of the policy

This one is a bit more tricky to approach, and a lot more tricky to win. If yo ur policy is with-profits then the insurance company could (rightly) blame the previous surrenderers of policies as the reason for recent dramatic fall in value. They are of course right and can likely back it up with a load of literature that you was provided with explaining the process. They will also have copies of the "Red Letters" they have sent in the past advising of a potential shortfall and asking you to contact them or a financial advisor. This would usually be enough for them to dismiss a claim of underperformance. If they have not sent you any "red letters" in the past then ask them to provide details of any sent, and where they were sent to. As an example, if you had changed address without advising them, then you would be responsible for that, but if you had notified them and they hadn't acted upon it then you could rightly claim as your notification of a shortfall had been mis-delivered.

Your chances of a claim are slightly increased if you have a unit- linked policy as they are the ones investing the funds for you. They do have a get-out clause though in that you can swap and change the funds as you see fit, so how it is invested is down to you or your financial advisor. They might offer a small token of apology, but don't expect it to cover your shortfall.

No-matter what, if you feel aggrieved about the performance, then by all means, lodge a complaint with them, they are duty bound to give it due consideration in a speedy time (they should respond within 5 days of receiving your written complaint) and all complaints have to be logged with the FSA. Be constructive in your criticism.

Contact details:

Financial services authority - Tel 0300 500 5000 - www.fsa.gov.uk/

Financial services compensation scheme - Tel 0800 678 1100 - www.fscs.org.uk/

2009 - David Worrall - Full publishing rights are allowed but give accreditation to http://www.estimatedwealth.co m

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