Investment and Insurance For Your Retirement Needs

The Most Fundamental of All Investment Risks—And Howto Avoid It
Many people place their life savings in banks because they think doing so keeps their money safe. Safe? Safe from what?
As we saw in Chapter 2, money that you keep in banks is not safe from inflation, nor is it safe from taxes. So what is it that people are thinking of when they talk about bank accounts being “safe”?
The risk that banks help you avoid — even though you may not realize it — is default risk. Because of FDIC protection, people feel that they do not need to fear the bank going broke, taking their money with it. Like Will Rogers once said, “I am more interested in the return of my principal than the return on my principal!”
Although banks are perceived to be free of default risk, there’s another — even better — way to avoid default risk: by investing in securities issued by the Federal Government of the United States, issuer of the world’s safest investments.
Why are these investments so safe? Because the U.S. Government guarantees (not merely insures) them. This guarantee, printed on each bond the government issues, is a “full faith and credit obliga-tion” of the Government of the United States of America “for the timely payment of principal and interest.”
This guarantee is the affordable elderly life insurance standard of the world, because it is the only investment that absolutely frees you from default risk. This is deemed so because the United States has never de¬faulted on an interest or principal payment in the entire history of our nation. No other country can make this claim.
Therefore, when it comes to default risk, all investments are implicitly compared to U.S. Government Securities. Measuring default risk on a scale from low to high, U.S. Government Securities score a “none” — and it is the only asset class so ranked. Bank accounts, with their federal insurance protection, are a distant second.
There even is a tertiary (or third) marketplace, where certificates trade electronically. There are other markets for trading commodities, such as oil, pork bellies, soybeans, and orange juice. The Mercantile Exchange and the Chicago Board Options Ex-change are the biggest of these.
People often say stockbrokers and financial advisors are in the service business, but that’s wrong. Wall Streeters sell products, each with its own unique features, benefits, costs, and risks — just like televisions and other products.
Since stockbrokers sell products, they are thus salespeople who work on commission, just like people who sell cars. If you go to a Ford dealer, guess what kind of car he’s going to sell you? It’s the same with brokerage firms:

Want to learn some cool stuff about pheromones?

Want to learn some cool stuff about pheromones? This olfactory subconscious, while a remnant of our primitive brain, is a key to broad aspects of human behavior.
There are special anatomic features of our brain that relate responses to odor with distinct behavior. The accessory olfactory lobe distributed in our brain, which responds to sexual scent signals, triggers a wide range of behavior, influencing but isolated from cognitive control. These responses include sexual behavior such as courtship, reproductive behavior, and maternal response as discussed at
Also important to human behavior are the influence of these odors on male aggression. Thus, our interest in odor awareness must not be restricted to love and romance, but also include the origin of group hatred, madness, and war.
This article is an effort to focus scientific and public attention to pheromones, scent signals which serve communication between members of the same species. Pheromones elicit immediate behavioral responses or over time they trigger endocrine or neurophysiological responses of significance to species survival according to
Pheromones, as mentioned previously, were first discovered as paramount mediators of insect behavior. But, they are also active in mammals, including our own species. These special scent signals are detected by unique nasal receptors directed to specialized brain centers that have preserved their identity throughout vertebrate evolution. Pheromones are scents, sexually derived, that are distinct from odors related to food or noxious stimuli. Specialized nasal receptors, nerves, and brain centers are required for their determination for pheromones according to
These special odors can be likened to a finger stretching through our nasal passages and tickling sexually essential brain areas. They impinge on anatomically distinct areas which, although interactive with the main olfactory system, are functionally different.
The study of pheromonal influences in animals cover a wide range of instinctive and/or sexually important responses. Although. until recently, humans were thought to be distinct from other mammall because of our lack of response to pheromones, Wiener, in 1966 saw their importance as critical to human normal and pathological behavior. He coined the term, “extemal chemical messengers” (ECMs) and provided evidence for an olfactory pheromone-influenced subconscious in humans. Wiener developed the concept that external chemical messengers (ECMs), pheromones, or as he termed them, ectohorrnones, could be responsible for human behavior, and, most importantly, mental illness.
Wiener’s observations were ahead of their time, but he anticipated the important role for pheromones, sexual odors, in human physiology long before anyone else. It was his hypothesis, apart from the role of skin in pheromonal production, that tears, saliva, blushing, coughing, and yawning were also physiologic devices emitting pheromones. Most importantly, he anticipated that pheromonal stimuli provides a channel of nonverbal communication and that pheromones could be received as a “stimuli beyond those consciously noted” in taste and smell.
He postulated that hallucinogens, e.g., LSD, can act as stimuli to pheromonal production or sensitivity and that pheromones act as signals that may be incorporated into our unconscious thought processes. He observed that humans perceived sex odors via smell with profound effects on human sexual response.
It was Weiner’s thesis that these pheromones constituted an olfactory language based on their chemical components, i.e., steroids, amines, indoles, and fatty acids, making up a vocabulary wherein emission of mixtures of these substances provide a sensory language. Rapidly changing olfactory signals provide a script of specific meaning to the recipient.
Wiener labels our response to this olfactory language, “the olfactory subconscious” and, in anticipation of future research, he stated: “We shortchange ourselves by comparing the olfactory powers of animals with our own conscious sense of smell while ignoring our olfactory subconscious.” An excellent physiologic analogy that he used to explain our sensitivity to odor is modeled on the effect of removing the adrenal cortex.

This Is The Time When I don’t Feel Good

They made me feel good, even when I was not able to feel good about myself.


The first suggestion I received in the program was to get two more jobs and to put the money into Sheila’s hands. They knew I had debts to pay and shouldn’t have idle time to gamble or to think about gambling at And they knew I couldn’t be walking around with lots of dough in my pocket. Money, free time, and a lack of accountability were ingredients for disaster.

If a gambler has the urge, he needs money in order to play, and in the early stages of recovery the paycheck should be in somebody else’s hands. If there is no family to handle his or her money, it should be in control of the sponsor or someone else who understands the intensity of the gambling urge and can be trusted.

When I was gambling and felt hot, if I had six dollars in my pocket that meant two dollars for tolls, two dollars for admission to the track, and two dollars to bet the daily double. You know, money burns a hole in the resolve.

I believe that true recovery means being able to take care of your own life needs and make your own decisions. The twelve-step program’s pressure relief meeting begins to address that. It’s a difficult problem. The gambler has to live on an allowance and it can’t be an endless thing. Genuine personal needs come first. But at some point he must be able to handle his own daily needs like a normal person, and we can’t say exactly when to turn it over to him. The sponsor has to be a guiding voice through this and the whole twelve-step process:

After all these years of having a sponsor and being one, when Sheila and I go on vacation or on a cruise we make sure there’s a meeting in the place we’re going or on the ship, and also that I know how to reach people in the program if I need to. I’ve been to twelve-step meetings in forty-two states and seven countries. At home, a good sponsor will phone almost every day, even to talk for only a few seconds. Maybe I had a fight with my wife or I’m having a bad day and have an urge to gamble, and that call helps. I know how much that daily contact from my sponsor at the beginning made me feel like a big shot; I needed that assurance. And slowly, somewhere along the line, my urge to gamble faded.

Steps That Will Guide You In Finding The Best Data Recovery Company

Have you ever conducted a search on the issue of data recovery? Obviously, the results are numerous are and in millions of numbers. The results could even make one feel inferior. The results give a variety a small companies and big companies with all companies doing their best to convince the people that they are the best. Other companies are wide spread in different areas while others are only located in specific places. Others go to an extent of existing internationally.

What type of data recovery organization should one go for?

Just by going through a company’s website, it can be a very hard task to differentiate between a genuine company such as and a company that isn’t genuine but by following the below steps, one can choose the most perfect company for doing the job.


We are all aware of how expensive it is to recover lost data. Cases involving hard disks may require replacement of the hard disks and we all know how expensive these gadgets are. If it is only parts that require to be replaced, this needs to be done by identical parts. At other occasions, more than one tests need to be done before getting the right choice. Hiring the experts, buying the devices and repairing tools is very expensive hence one should not fall for lies from companies who claim to recover data from couples of dollars.


In case you come across a company that offer the recovery process at very low costs you know that these companies can’t afforded the required resources to recover the damaged drives. What this company does is just perform the simplest and most basic steps which we can all do right in our homes without help and once they are handed difficult cases they fail to yield positive results. Such companies tend to hide their flows by claiming that the cases were unrecoverable. Others will forward you over to bigger companies but still be gullible enough to charge you some premium. Other in efficient companies will go to the extent of risking your information by messing around with it in the name of data recovery.


Just by researching on how long different companies have been operating, one could easily differentiate between the bigger and small companies since a bigger percentage of companies that have been in the industry for long are only there because of their good results. Other small companies only take it as short time jobs hence don’t take long in the business. Their main objective is to make big profits within short time periods and leave before their dirty tricks are known by the public.

We all know how tiring it would be to find a good data recovery organization hence looking for a company nearby with cheap rates wouldn’t be a bad opinion but all one should have in mind is finding the best company with the best services and cheapest rates.


Finding the best recovery company would be a very good thing as this will ensure you recover your lost data and at very affordable prices.The above steps will guide you in ensuring you get a good recovery company.

Helping Your Kids Choose A Fitness Activity

The overall health of a person involves having proper nutrition. Nutrition plays an important role in not only your physical health, but also in your mental well-being. Learn more about making smart choices with the great probiotics tips presented here.  Protein is an essential part of the diet that many people don’t get enough of. Lean proteins, such as eggs and fish, are best. Chicken and pork are also good sources. In addition to making you feel more full, protein also helps muscles grow. This proves how crucial it is.

When selecting the best foods for a healthy diet, choose foods that are close to their untouched natural state. Eating fresh foods that are not processed will reduce the quantity of fats and chemicals you eat.

A good tip to getting the proper nutrition is to not deny yourself foods you like, but exchange them for similar items that are more nutritious. You need to understand how various choices influence your health. Now that nutritional information is provided on many menus, this is not that hard anymore.

Milk chocolates and other white chocolates are nice, but dark chocolate is best. Dark chocolate contains flavonoids, which lower blood pressure to normal levels. These antioxidants better cholesterol by decreasing the bad and raising the good. Just be sure to choose chocolate that contains at least 70 percent cocoa to maximize the benefits. Don’t go nuts here; carbs are still a food high in calories. Just enjoy a little.

A diet good for the heart should be protein-rich and low in fat. Turkey and chicken are healthy foods, but should only be eaten without the skin. Don’t ever fry poultry, either. You should only boil, bake, broil or roast it. Eating white meat is much healthier than eating dark meat.

It is not unusual to see some form of potato on the table with evening meals. We usually add a simple starch to every meal. Fresh vegetables are a great substitute.

You definitely want to have an iron-rich diet when pregnant. A typical adult female ought to consume 18 milligrams of iron each day. However, pregnant women ought to have 27 milligrams. Babies will need a lot of this nutrient to develop properly.

Fill your stomach up with natural fruits and vegetables before starting on proteins and carbohydrates. Be sure not to eat more carbohydrates than your body needs. If you prioritize healthy items such as vegetables, fruits and proteins, you will feel more full and eat fewer carbs.

Balancing the meals that you cook with raw foods is important to your diet. It is a good idea for a third of your food to be eaten raw. This will make sure that your nutrition is on track because the nutrients aren’t getting cooked out of the food. More vegetables and fruits will help you achieve this easily.

A Mediterranean diet is very healthy. It can increase your lifespan and lower heart disease. Try eating couscous instead of white rice and whole grain pasta instead of potatoes with your meals. Add seeds and nuts to your diet. Olive oil is a wonderful alternative. Instead of eating meat, have fish.

The number five is important when it comes to eating healthy. You should eat that many servings of vegetables and fruits in a day. This may sound like lots of work, but each serving is smaller than you would think. A serving size is generally only equal to one half cup.

One of the most fundamental things you can do for your health, nutritionally speaking, is to drink enough water. We must stay hydrated because our bodies consist of a huge amount of water. You should be consuming about 1-2 liters of water per day or more when you are doing physical activity or in hot weather.

With nutrition, a key factor to focus on is fluid intake. You want to consume low calorie beverages like tea and diet soda if you need your soda, and make sure you drink plenty of water. Sodas sweetened with sugar drastically increase your calories.

Little changes to your diet can bring many benefits to your health. Improve energy levels and reduce daily stress by following the advice you’ve learned here. Don’t waste another minute and notice what a balanced diet can do for you!

More about Probiotics for Women in this link from a great website on health.

Ways To Throw Identity Thieves Under The Bus

Identity theft protection services can be worth their weight in gold up against the modern identity thief. How would you react if you visited the bank today only to discover that an identity thief had drained all of your accounts? Where would you get the funds to get the basic needs of your family met? 8 million people have had to answer these questions on their own over the last year. The good news is it doesn’t need to be you… as long as you have the correct identity theft protection plan protecting you.

Away from actual services provided when contemplating identity theft protection, you need to also consider the kind of customer care that is offered. Identity thieves don’t check in a 9am and check out at 5pm, so neither should a customer service department. Some companies will also offer you a dedicated representative if you have a theft claim that you need to file, that could save you tons of time long term. It’s essential to have the ability to do something right away to prevent damage from occurring to your identity, and these features of good customer service help to do that.

A service that a number of people find beneficial with regards to identity theft protection is lost wallet protection. With lost wallet protection, in the event you lose your wallet or purse, you can simply notify your protection agency. Your service agency then will alert all of your financial accounts about potential theft occurring. Thieves can steal your identity in just seconds, so this is a service that is really worth having.

Nobody deserves to be the prey of identity theft, yet a lot of people don’t realize that they can take some steps on their own to prevent becoming a victim. A free credit report can be obtained once every year from each major credit agency. Protecting yourself on the web is not difficult when you ensure that you enter personal information onto safeguarded websites only. You can protect yourself from theft by only carrying in your wallet or purse the identification that you need to have at that moment. Shredding your personal documents with a cross-cutting shredder will prevent thieves from piecing things together.

Putting your identification information behind lock and key is essential to the elimination of identity theft. Your important documents like your Social Security card, when they are locked away in a proper box, can be shielded from fire, flood damage, and identity thieves. Should you be careful with your information and protect it, then identity thieves will have a difficult time getting what they really want from you to steal from you.

Identity theft doesn’t have to be a problem if you’re able to learn to stay hands-on against thieves. Keeping an eye on the information you have is the best way to do this. Regardless how you do this… what matters is that you start protecting yourself in some manner today. What are you planning to do when thieves find your information?

Toronto Prom Limousines – Redefine Your Child’s Prom Experience

Every high school graduate and teenager would dream of a picture perfect prom night! It is a magical evening, where old memories, new hopes and enticing desires meet! In fact, most high school goers dream of the event for several years. Few months before the night parents, teachers, administrators and the graduates themselves engage in plenty of prom plans. According to prom goers, the exquisite event must happen perfectly, without any hitches. This is why parents hire Toronto limousine services for their young ones! The luxurious vehicle will make a world of difference in your child’s life and prom experience. Here’s more info that will help you make informed decisions when looking for the perfect prom limousine service in Toronto.


Affordable Limo Services

When you search for a prom limo in Toronto, you should be very careful and alert. Remember to decide on a vehicle that is stylish, elegant, rightly sized and affordable. Ask your kids if they have any preferences. “Toronto limousine rentals” is a competent industry that has plenty of options for potential prom goers. From expensive Mercedes to Hummers, Toronto limo service providers will let you handpick from a sensible collection of limousines. Toronto limousine service is one of the best ways by which you can make sure that you receive the right type of service for what you pay.

The sooner the better!

Toronto limousine rental is a very busy industry that is booked most of the time! Hence, if you want your child to travel in the right kind of limo, you should make a booking at least six months before the actual day. If you wait longer, Toronto limo rentals will give you fewer choices. In accordance with the very old saying, “The Sooner the Better”, start your search as quickly as possible; if you don’t wish to be restricted to a nominal number of options from procrastinating.

Relying on referrals

Moving on, you must do lots of homework before deciding on a specific service provider. Most Toronto limousine companies rely on “Word of Mouth”. Hence, you should ask your friends, co workers and neighbours for referrals. Testimonials and feedbacks from frequent travellers will definitely remove a massive chore from your shoulders. Spend some time and ask around, verify if the Toronto limo rental company promises to take care of your kids at an affordable price. When you get information ahead of time, you can save yourself from unexpected surprises. Always remember that the Toronto limousine service should be safe and trustworthy. Since, your much loved teenagers will travel in it!

The right package, service & price

If you are happy with a Toronto prom limo service provider, you should pick a package, service and price. Remember to get everything written on paper. The quotations should be documented, dated and signed properly. This will establish a healthy bond between the Toronto limo rental company and you. The contract will be written proof of what the service provider is willing to offer you.

On the whole, you should be very careful when you pick a Prom limo in Toronto. Before you make a final decision, remember to focus on as many parameters as possible.

Interview For Breast Enlargement

Why couldn’t she even have tiny breasts? She tried everything possible to make them grow. She massaged them every day and drank lots of milk. She read any and every article she would come across in fashion mags. Every bit would help or so she thought. She would wake up hoping for some kind of delayed hormone spurt, but nothing. Every time she looked in the mirror before the shower all she would see are her tiny nipples that looked more like stickers on her flat chest.


She wore a padded bra all the time. Unfortunately, all she had was skin to work with. The pads only gave her a tiny bump. She couldn’t wear anything that revealed cleavage because all they’d see is padding. It was depressing. Every where she went she saw boobs. Some were nice and natural others were practically bolted on. Still, she only felt envy when she saw those women prancing down the sidewalk, with their prominent boobs jiggling with every step. Many doctors recommended using Breast Actives system which they found at They looked so confident and sure of themselves.

Out of desperation she got this appointment with one of the best plastic surgeons in town. She was on a six month waiting list when she got a surprise call that a spot magically opened. The other women were probably too busy with work or fielding offers.

After what seemed like forever, she heard her name called.

“The doctor will see you now,” the pretty receptionist cheerfully said.

The doctor’s office was like any other. She was greeted by an elderly man with an affable smile. On his walls were graduation certificates from prestigious schools, various certifications, and tons of awards. He had a short, peppered beard and thin wire-frame glasses.

“Ah, Ms. Roads. How are you today?” he said, readjusting his glasses. He looked more like a family doctor than a plastic surgeon.

“Fine. How are you?”

“Busy, as usual,” he noted with a smile. “So I understand you want to get a breast enhancement procedure?”

“Yes. Yes I do.”

She felt the doctor’s gaze drift to her breasts as she spoke. She was wearing her pads.

“How large are you planning to go?”

“At least a C cup, maybe more.”

“Okay, let’s see what we have here. Please remove your top and put it in the basket over there.”

There was no one else in the room but her and the doctor. He seemed like a nice gentleman but Tammy was still nervous. There was so much pain involved when it came to taking off her top. Unlike other girls she was uncomfortable being naked around them. She mustered up the courage to remove her top. The doctor looked at her chest intently. When she finally took off her bra, she could see the doctor lean back and readjust his glasses. He scooted over and began examining.

Other Stuff That Might Help You

Reconnect With Friends and Loved Ones

Many times when people have a gambling addiction, they spend all of their time focused on that. This means that all types of family and friend time was neglected. Sometimes you may have been physically present, yet your mind was elsewhere. In that case, you may as well have not been there at all. Now that you are working to clear your mind of all of the gambling demons, you can spend more time with the people you care about without any distractions.

Find a New Hobby


Learning who you really are may be hard for you since you have spent so much time under the veil of addiction. While many people have varied interests, you may have only focused on your gambling habits. The good thing is that you can now take the time to figure out what it is you really like. There will be more about this later, but the key is to do so many activities that gambling is the last thing on your mind. Some people say that have good advice about stargames casino bonuses.

Writing in a Journal

The best thing about journal writing is the fact that there is no right or wrong thing to say. You can feel free to open the book and write whatever is on your mind. It is your decision whether or not you want to share this with anyone, so you do not have to feel exposed or embarrassed by any of the contents. Every time you get the urge to gamble, sit down and start writing. It doesn’t necessarily have to be about gambling, but it should be about something important enough that you can write about it until the cravings stop.

Taking On a Second Job


If you take all of the extra energy you have in reserve and use it to get a second job, you may realize that gambling is no longer on your brain all of the time. You should find a job you enjoy and put your all into it.

If getting an entirely new job is not feasible, you should try asking your boss if you can work extra shifts. As with other things mentioned earlier, you will have the chance to restore your damaged finances while keeping you mind off of gambling.

Social Networking

This is something that is especially useful for people who tend to get lonely. It is not really a good idea to try to force those around you to give up their lives to ensure your happiness. The best thing about social networking sites is that you have the potential to meet new people all over the world. There are online games, music and several other social activities that can potentially keep you busy for hours. There are also several self-help groups that are on social media sites, which means that you may be able to find additional help with your problem.

Yoga and Other Meditation Methods

These days many people talk about yoga in a fitness sense. They use some of the classic techniques to contort their bodies and get them into better condition. While this is always a great thing, it is not the original intent of yoga. The idea is to free your mind and allow yourself to truly reach a sense of peace.

If yoga is not your thing, there are several other meditation methods commonly used. Trying one of these can help you keep your mind free of the emotional clutter you have been carrying around as a result of your addiction. This may sound a bit excessive, but you should try your best not to have too much free time on your hands. Many people slip back into their old addiction patterns simply because they are bored and have nothing else to do.

Doing one or more of the things mentioned above should help you avoid any relapses in the future.

How To Get The Best Life Insurance

To all the senior citizens, this senior life insurance policy is something you should opt for. All your senior life and after life benefits comes in this insurance policy package all together. After retirement, when you do not have much to spend and to facilitate your life, this insurance policy is affordable and can be obtained by giving a small amount of money. Available in a variety of levels of coverage, this senior life insurance policy does not require any perfect health unlike other traditional policies. Along with these old policies, many of the people go for this senior life insurance policy as a supplementary policy and enjoy double benefits. This insurance policy is available to a senior citizen until the maximum age of 75.
In addition, one does not have to give any examination to get the benefit. People can have an insurance policy according to their own requirements and how much insurance premium they can pay every month according to their budget and financial status. Maximum convenience is provided to all the customers, so different insurance coverage is offered i.e. $5000 to $50,000. All the anticipated expenses are taken care by these insurance policies and thus this senior life insurance is the best back up plan you can have.
A severe health problem or a sudden demise might lead to a mishap. You cannot ignore such happenings but can only make some plans and sensible decisions to cut down some of the miserable moments, which your family might suffer. After retirement, maintaining the same dignity like before is now not impossible due to this ever-amazing senior life insurance. You can continue to support your life and prevent yourself from being a burden to them by gaining the valuable benefits of these insurance packages.
The best way to enjoy a lesser insurance premium is to buy this senior life insurance package at a younger age. Because at the age of 50 or 55, when this insurance policy will get active, insurance premium might be really high for an individual and you might not end up getting a reliable life insurance policy from a good and well-reputed insurance company due to escalating demands of these life insurance by the senior citizens of your country. Just acting a bit sensible and foresight will make your life happy and secured. Therefore, senior life insurance policies fulfill your desire to spend the journey of your life with content and the assurance that your child has a secured future.