Archive for December 6, 2009
The best investments you can make
Many people – especially singles and young couples who are just starting their careers – have mixed feelings about purchasing a house. They worry about getting tied down and taking on a lot of debt.
Here are 10 compelling reasons why anybody who can afford it should consider buying a home:
1) House prices tend to rise over time, so a house is one of the best investments you can make. Home prices in the U.S. have risen three percent to six percent a year for the past 20 years. That trend is likely to continue. So if you buy a home now, you’ve put your capital in a safe investment where it is likely to grow.
2) You’ll pay less tax. You can deduct the interest you pay on your mortgage from your taxable income. The value of this tax break depends on factors like your personal tax bracket, the size of your mortgage, the rate of interest you pay on it and how long you’ve held the mortgage. As a rule, the newer the mortgage, the greater the amount of interest you pay each month and the bigger the tax break. Therefore, recent buyers with young mortgages tend to get the greatest benefit.
3) You’ll be buying a piece of real property rather than putting money in a landlord’s pocket each month. The real cost of renting is higher than the monthly payment. There is also an opportunity cost equal to the amount you would gain by using the money to purchase a home instead. Even if the house you purchased did not appreciate in price, you would be able to sell it and recoup some of the money you put into it.
4) Interest rates are still historically low. This makes it relatively inexpensive to take out a mortgage. The lower the interest rate, the less you actually pay for your house and the sooner you can pay the mortgage off. Our loan calculator can show you how different interest rates affect the total cost of your mortgage and the time it takes to retire it.
5) You’ll be able to use the equity in your home for low-cost loans for other purposes. You can access the paid-up equity you accumulate in your home in the form of a home equity loan or a home equity line of credit. Because they are secured, home equity loans and lines of credit generally carry a lower interest rate than other types of consumer loans, such as auto loans. The interest on them is generally tax-deductible, as well.
6) You’ll have the stability and emotional security of owning your own home. No more worrying about dictatorial or negligent landlords, rent increases or the possibility your building will be sold and redeveloped or turned into a condo. You’ll be able to live in your house as long as you like, fix your monthly payments for as long as 30 years and you’ll be in charge.
7) You’ll be able to redecorate and renovate any way you like, any time you like. Rules about the paint colors you can use will be a thing of the past. And you’ll be able to tear out walls, install a powder room and make any other improvements you want. Best of all, if you decide to sell, you’ll recoup at least part of the cost of the improvements.
8) You can have a garden. This is one of the big pluses of ownership – a little piece of land you can call your own, where you can grow tomatoes or roses, barbeque, and play with your kids and pets.
9) You’ll be able to put down roots in a community. When you’re a homeowner, you’ll get to know your neighbors, participate in street sales, meet potential baby-sitters and play Saturday-morning touch football in the park. Renters tend to live more insular lives.
10) You’ll have a greater voice in community affairs. Local homeowners generally have more clout – individually and through ratepayer’s associations – when it comes to development proposals, school issues, changes to traffic control and routing and the like. Because renters tend to be more transient than homeowners, they have less influence on policymakers.
Top 10 reason why you need a college education
Life is full of options and choices. The choices we make shape our future. As we stand at the cross roads after high school we must have the right vision to make the decision to go to college.
1. A college education secures our future. The number of employment opportunities is greater and statistics reveal that most leaders are college grads.
2. If you have a college education you will make more money which in turn will enable you to have a better lifestyle. If a high school graduate earns US$ 34,303 annually, a college graduate will earn US$ 56,334, and a person with a professional qualification will net at least US$ 99,411.
3. It is not just earnings. A college education makes you a rounded person. It shapes your communication skills, expands your knowledge base, makes you methodical and organized, and exposes you to a whole new world of learning.
4. People with a college education have better value systems and are healthier. They are able to guide their family positively.
5. College can help you qualify in fields you are interested in. So if you are an innovator, inventor, or healer, or artist you can train in the specific field and qualify.
6. According to experts, college graduates are self-confident, have greater knowledge of governance, are less likely to become criminals, are emotionally and financially secure, make better partners and parents, and have a deeper understanding of human nature.
7. College instills a deep sense of right and wrong and is they very essence of a democratic world.
8. Education opens the doors to many things like multiple jobs, career choices, the chance to further education at any point in life, and the option of teaching others what you have learnt. Be it a child, family member, or a poor person you meet.
9. College education is an investment in you that yields much more than Wall Street investments.
10. College educated citizens will ensure the continuing success of the “American Dream.” The ability to see the right path and work for peace and prosperity.
Students according to Jose Marti a patriot are the very ramparts of a nation and the strongest advocates of freedom. Education creates a conscience and as a result a better human being. College education eventually becomes a legacy for future generations. Most succeeding generations of college educated people go to college themselves. The value of a good education becomes ingrained in their genes. Huge stones can be moved with muscle power but it is brain power that tells you how to move it and what can be done with it.
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Paul Wilson is a freelance writer for http://www.1888Onlinecolleges.com/, the premier website to find top ranking colleges online directory including topics on public colleges, private colleges, online college, college course online, information on college costs, financial aid, degrees awarded, enrollments and more. He also freelances for premier Discussion Site http://www.1888Discuss.com |
Wine: How Much Is Good for You?
WebMD Weight Loss Clinic-Feature
A glass of wine a day keeps the doctor away. Could this be true? WebMD talks to experts to learn how we can get the health benefits of wine or alcohol while keeping our weight in check.
Do Like the French?
The French diet is often used as an example of how wine can improve heart health. The French have a fairly high-fat diet but their heart disease risk is relatively low. And some have attributed this to red wine.
But there are so many differences between the lifestyle of the French and Americans from their activity levels to the foods they eat. You cannot isolate red wine as the magic bullet for disease prevention says Alice Lichtenstein, DrS, Gershoff Professor at Tufts University.
Choose whichever alcoholic beverage you enjoy, drink it in moderation and try to have it with meals, advise Lichtenstein and Eric Rimm, DrS, a Harvard researcher.
Arthur Agatston, MD, cardiologist and creator of the popular South Beach diet, encourages patients who enjoy alcohol to also drink it with meals.
“Alcohol can stimulate the appetite so it is better to drink it with food. When alcohol is mixed with food, it can slow the stomach’s emptying time and potentially decrease the amount of food consumed at the meal,” asserts Agatston. His alcohol of choice is red wine due to the antioxidant resveratrol. However, he agrees that any alcohol in limited quantity will provide the same health benefit.
There is a misperception that red wine is abundant in antioxidants. “It does contain some, but they are not always well absorbed. If you want antioxidants, you are better off eating a spinach salad with vegetables than drinking a glass of red wine,” Rimm tells WebMD.
Lower Your Cholesterol
Alcohol also can have a very powerful effect and increase HDL “good” cholesterol by 20% if used moderately and in the context of a healthy diet along with regular physical activity, says Rimm. Higher HDL levels are linked to lower risks of heart disease.
“The research evidence points to ethanol, or the alcohol component, of beer, wine, or spirits as the substrate that can help lower cholesterol levels, increase ‘good’ HDL cholesterol,” he says.
Boost Your Brain
A recent study shows a boost in brain power for women who enjoy a little alcohol. The study, published in the Jan. 20 issue of The New England Journal of Medicine, evaluated more than 12,000 women aged 70-81. Moderate drinkers scored better than teetotalers on tests of mental function. Researchers found a boost in brainpower with one drink a day. Moderate drinkers had a 23% reduced risk of mental decline compared with nondrinkers.
Source webmd
Is Soy Good for You?
By Terri L. Saunders 
In the last decade or so an interesting phenomenon has occurred in the American diet. Soy products have gone mainstream. Soy’s popularity began as a source of protein for vegetarians, and in recent years has been touted as a potential cure-all for heart disease, cancer, obesity, osteoporosis, hot flashes, and the answer to world hunger. Soy-based veggie burgers can now be found in fast food restaurants, with tofu dishes a common offering in some of the most exclusive restaurants. Even public schools have jumped on the bandwagon by including soy foods and additives in school lunches. How did this happen, and what exactly do we know about this upstart food?
In November, 1999 the Third International Soy Symposium was held in Washington, D.C., sponsored by the United Soybean Board, American Soybean Association, Monsanto, Protein Technologies International, Central Soya, Cargil Foods, Personal Products Company, SoyLife, Whitehall-Robins Healthcare and the soybean councils of Illinois, Indiana, Kentucky, Michigan, Minnesota, Nebraska, Ohio and South Dakota. Presentations by scientists funded by these organizations marked the culmination of a decade of research intended to win FDA approval and consumer acceptance of soy products such as tofu, soy milk, soy cheese, soy sausage, and estrogen-like compounds including isoflavones, genistein and diadzen.
As we now know, this marketing campaign was highly successful, yet many of the research studies funded by the soy industry have been challenged by independent scientists. Outspoken nutritionists such as Sally Fallon and Mary Enig go even further to point out the problems with soy and the negative impact these products can have on our health.
According to them, “Advances in technology make it possible to produce isolated soy protein [the key ingredient that imitates meat and dairy] from what was once considered a waste product—the defatted, high protein soy chips—and then transform something that looks and smells terrible into products that can be consumed by human beings. Flavorings, preservatives, sweeteners, emulsifiers and synthetic nutrients have turned soy protein isolate, the food processors’ugly ducking, into a New Age Cinderella.”
Apparently, until the latter part of the twentieth century, the soybean was considered unfit to eat. Ancient pictographs in China show the soybean not as a food, but as a rotation crop used to fix nitrogen in the soil. It wasn’t until the discovery of the fermentation process during the Chou Dynasty that soy became edible. The first fermented soy products were tempeh, natto, miso and soy sauce. Later, Chinese scientists discovered that a puree of cooked soybeans could be precipitated with calcium sulphate (plaster of Paris) or magnesium sulphate (Epsom salts) to make a smooth pale curd known as tofu. Popularity of fermented and precipitated soy products spread to other Asian countries such as Japan and Indonesia.
The Chinese did not eat unfermented soy products because they knew that soybeans contain natural toxins or antinutrients such as phytates and enzyme inhibitors that block the action of trypsin and other protein-digesting enzymes. These toxic compounds are not deactivated during cooking and can cause gastric distress, reduced protein digestion, and chronic deficiencies in amino acids and.minerals, including calcium, magnesium, iron and zinc. Animal studies show that diets high in trypsin inhibitors cause enlargement and disease of the pancreas, including cancer. Vegetarians who consume tofu as a substitute for meat and dairy products risk severe protein and mineral deficiencies. Zinc deficiencies are particularly common, and can cause impaired functioning of the brain and nervous system as well as blood-sugar imbalance and reproductive and immune disorders. Zinc deficiency can cause that “spacey” feeling associated with the “high” some vegetarians may mistake for spiritual enlightenment.
Soybeans also contain a clot-promoting substance called haemagglutinin, that causes red blood cells to clump together. Haemagglutinin and trypsin inhibitors are both growth inhibitors, demonstrated in studies of weaning rats that failed to grow normally when fed soy. Enzyme inhibitors and growth suppressants are deactivated during the fermentation process, while in precipitated soy products such as tofu and bean curd they are concentrated in the soaking liquid but not completely eliminated from the food. Soy milk and soy cheese, however, are loaded with antinutrients.
About 15% of infants in the U.S. or approximately 750,000 children consume soy-based formula each year. Genistein, an estrogen-like substance found in infant formulas and menopause remedies may depress immune function. When mice were injected with genistein, levels of immune cells dropped and the thymus gland, where immune cells mature, shrank. This was of particular concern, since the blood levels of genistein in the injected mice were lower than the blood levels of genistein in babies fed soy-based formulas.
New research shows that high concentrations of manganese found in soy formula can lead to brain damage in infants and altered behaviors in adolescents. Dr. Francis Crinella at the University of California described how the soybean plant lifts up manganese in the soil and concentrates it, creating levels of manganese in soy formulas that are 200 times the level found in breast milk. A newborn cannot excrete this extreme manganese load, creating high manganese levels in the blood, liver, kidneys and other soft tissues of the body, including the brain. Manganese overload has been implicated in cases of brain damage and movement disorders.
Crinella’s research detected high levels of manganese in the scalp hair of hyperactive children when compared with matched control subjects. Everett Hodges, founder of the Violence Research Foundation, refers to Crinella’s research by stating, “Criminals ages 16 and 17 years old today, some of them born to poor mothers between 1983 and 1984, could have received from the government soy formula with enough manganese to disrupt growing brains, and this may be why adolescents have difficulty restraining aggressive impulses now.”
Dr. Joseph Mercola notes in his newsletter that soy formulas contain high levels of aluminum (1,000% higher levels than cow’s milk formulas) and the phytoestrogen substance isoflavones. He says that a soy-fed baby receives the equivalent of five birth control pills’ worth of estrogen every day. These babies’ isoflavone levels were found to be from 13,000 to 22,000 times higher than in non-soy fed infants. Early onset of puberty in girls and abnormal development of testes in boys have been linked to this unnatural surge of hormones in early life
Studies also show that maternal exposure during pregnancy to the phytoestrogen genistein causes an increase in the number of estrogen receptor sites in the breast tissue of female offspring, thus increasing their risk of developing breast cancer. As a result of this research pregnant women are urged not to ingest soy products.
Naomi Baumslag, clinical professor of pediatrics at Georgetown University, points out that soy formula is deficient in linoleic and oleic essential fatty acids, DHA-brain-growth factor, epidermal growth factor, lactoferrin, casomorphin and immune factors such as IgA, neutrophils, macrophages, T-cells, B-cells and interferon—all provided by the mother in breast milk to defend her baby. She says, “Only 50% of newborns today suckle at the mother’s breast even once. After six months, the number has fallen to only one in five. Often mothers, for the sake of convenience, plunk soy bottles into the infant’s mouth. Why do so many mothers in the United States imagine they have given birth to a baby soybean instead of a human child?”
Soy also contains goitrogens which are substances that depress thyroid function in infants and adults. Studies show that premenopausal women who ingested 45 mg of soy isofalavones per day experienced a reduction in hormones needed for adequate thyroid function, lasting for 3 months after soy consumption was discontinued. In addition, soy is high in oxalate, a compound that binds with calcium in the formation of kidney stones. Oxalates are particularly high in textured soy protein, often used as a meat substitute.
Claims that a diet rich in soy can prevent cancer are based on the observation that the Japanese, who eat 30 times as much soy as North Americans, have a lower incidence of cancers of the breast, uterus and prostate. Fallon and Enig point out that Asians in general have much higher rates of other types of cancer, particularly cancer of the esophagus, stomach, pancreas, liver and thyroid. Asians typically eat mostly fermented soy products which are usually accompanied by meat in the same meal which may offset some of soy’s negative effects.
Even soy-based animal feed has been shown to disrupt normal development in animals as well as induce disease conditions that are not normally present with their natural diet.
Most soy products on the market today are genetically engineered which creates a whole new set of problems. Government subsidies have enticed farmers to convert many of their crops from “real food” to soy. Internationally, IMF money funds soy processing plants in foreign countries, and free trade policies encourage soy distribution around the world.
The global campaign to convert the world’s food supply to a substance that is difficult to digest, causes nutritional deficiencies, and contributes to disease is well under way. As always, the choice is ours.
Terri Saunders is a certified Herbalist and Nutritionist in Charlottesville, Virginia where she does consultations, phone consultations and classes on natural healing. She can be reached at Sunrise Herb Shoppe at 434-984-2665, or email at sunherb@sunherb.com. For more information, check website at www.sunriseherbshop.com.


