Found the save way of managing loans

Do not be afraid to make a loan!! Why??
If you know the save way of managing loan, you will definitely get the benefit on it. Do you thing the rich man have no loans?? The answer is..big no..no... They have loans either. But they know how to make this loans as good loans.  The good loans bring prosperity to you, whereas bad loans will bring misery.
"Good Loans" occurs when you owe but other people who pay the debt. Instead "Bad Loans" occurs when you are in debt and you also have to pay the debt.

The different characteristics of loans between the rich and the poor is the rich owes to buy productive assets or property while the debt to accumulate assets, but the poor use it for consumptive things. Else, the rich pay a debt by revenues earned from the productive asset (passive income). Meanwhile the poor pay the debts from his income (active income).


How to manage the debt?
Here are some tips you need to know in managing debt:

1. Payable only for unexpected needs and can not be postponed, for example there is a sick family member or school purposes.
2. Payable for purchase of productive assets and increasing its value, such as houses, land and gold. Try not owe to buy mobile phones, shoes, electrical appliances, clothes, bags and accessories for body and home furniture. Because these items have a tendency to decrease in value.
3. A limit on debt payments is 30% of your income.
4. Pay debt on time and note / trim the administration and documentation associated with the debt.
5. Do not cover debts owed by another. Unless you have been properly take into account all the excess and the fees charged.
6. The order you owe should be prioritized in order starting from the safest, namely: spouse, parents, siblings, friends, pawn shops, banks, leasing and pay day loans. But if you need money and you are not comfort to borrow money, you might sacrifice and sell your assets are still valuable (eg. gold).

In fact there are many ways to convert debt into wealth

Donald Trump, The King Estate is an example of concrete was how he went bankrupt in the 1990s, with debt of USD $ 3 billion and the deficit worth up to USD $ 300 Million. But with the assets and funds are still available, Donald Trump could conjure up her debt to income, which could ultimately make him rise and prosper again until now.  And there are 5 early steps to convert debt into wealth:

1. Be honest to apply your financial condition.
2. Allocate 10% of gross income to build your business assets, if you pull through this then the sooner you get out of debt, this concept is called "Pay Yourself First" a.k.a pay yourself first.
3. Allocate 10% of gross income for social activities. Even in a state forest you have to get used too keep doing social activities
4. Allocate 10% ~ 30% of gross income to mortgage debt. Initially this installment will lead to protests from the lenders you surely, but with you to explain your debt settlement plan, creditors would understand and approve your step
5. Allocate a maximum of only 15% ~ 30% of gross income to meet your personal interests, not too flamboyant Because anyway you are still in a position to owe. 
6. Always seek the possibility of other business opportunities, and use the remaining funds to try to generate revenue from new things in order to pay your debt

Due to the strict debt management, your life will be much more secure and comfortable, and can invest for the future.

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Oedema, Its mean your body need a lot of water

The design of our bodies is such that the extent of the ocean of water outside the cells is expanded to have the extra water available for filtration and emergency injection into vital cells. The brain commands an increase in salt and water retention by the kidneys.

This is how we get an oedema when we don’t drink enough water.

Vital functions of salt for your body

Salt is a vital substance for the survival of all living creatures, particularly humans. Water and salt regulate the water content of the body. Water itself regulates the water content of the interior of the cell by entering every cell it can reach. It has to get there to cleanse and extract the toxic wastes of cell metabolisms. Salt forces some water to stay outside the cells, and balances the amount of water that stays outside and inside the cells. There are two oceans of water in the body; one ocean is held inside the cells of the body, and the other ocean is held outside the cells.

Shopping and Storage Tip for Asparagus

"You know, when you get your first asparagus, or your first acorn squash, or your first really good tomato of the season, those are the moments that define the cook's year. I get more excited by that than anything else. "
—Chef Mario Batali

One of the most anticipated tastes of spring is the first bite of tender, grassy asparagus.

6 Myth About Food Abusted

Myth 1: Eggs are bad for your heart.
The Truth: Eggs do contain a substantial amount of cholesterol in their yolks—about 211 mg per large egg. And yes, cholesterol is the fatty stuff in our blood that contributes to clogged arteries and heart attacks. But labeling eggs as “bad for your heart” is connecting the wrong dots, experts say. “Epidemiologic studies show that most healthy people can eat an egg a day without problems,” says Penny Kris-Etherton, Ph.D., R.D., distinguished professor of nutrition at Penn State University.

Carrot: Its nutritional values, benefits and how to cook

The carrot is:

• Low in Saturated Fat and Cholesterol
• High in Dietary Fiber, Vitamin A, Vitamin C, Vitamin K, Potassium, Thiamin, Niacin, Vitamin B6, Folate and Manganese

The nutritional value and health benefits of carrots make them ideal for maintaining optimum health and weight loss. So, don't include too many carrots in your diet if you're interested in weight gain

Facts About Smoking

Fact 1
Almost deaths in all countries are due to cigarettes smoking. Everyone knows that smoking can cause cancer when you get older, but did you know that it also has bad effects on your body right now? A cigarette contains about 4000 chemicals, many of which are poisonous. There is no safe 'low tar' cigarette and no safe level of smoking.
Some of the worst ones are:

All About Broccoli

Broccoli and cancer risk
A compound found in broccoli and broccoli sproutsappears to be more effective than modern antibiotics against the bacteria which causes peptic ulcers. Moreover, tests in mice show that the compound offers tremendous protection against stomach cancer - the second most common form of cancer in the world.

Pregnancy test, how accurate is this?

Today many pregnancy tests sold in the market, such us drug stores or pharmacies

According to research in the United States, the results of pregnancy test that showed negative results, does not necessarily mean the absence of pregnancy, although the use of guidelines has been undertaken correctly, this is because the process of each woman's pregnancy is different from one another.

Positive pregnancy test but not pregnant. Why?

After passing through some research, it turns out the pregnancy test kits can yield false results in detecting signs of pregnancy.

The working principle Pregnancy Test Tools

The ovum gets fused with a sperm in the fallopian tube to form a zygote. The zygote undergoes cell division for about 5-6 days. After this period, the zygote leaves the fallopian tube and moves to the uterus, where it gets implanted and undergoes further stages of pregnancy development.

High risk occurrence of osteoporosis for people with diabetes

There are so many diseases that attack when age increases. One of osteoporosis. That disease is known as a condition when bone density starts with the damage and decreased bone microarchitecture. As a result, bones become fragile and easily broken.

Osteoporosis can occur in both men and women. However, the risk of the occurrence of osteoporosis in women more because women (above age 45 years) experiencing menopause. That is, the degree of a decline in hormone estrogen in the body (to stop the bleeding). Whereas in men, osteoporosis occurs in old age (above 70 years).

Knowing The Diabetes

Diabetes is a chronic disease that occurs when the pancreas does not produce enough insulin, or alternatively, when the body cannot effectively use the insulin it produces. Insulin is a hormone that regulates blood sugar. Hyperglycaemia, or raised blood sugar, is a common effect of uncontrolled diabetes and over time leads to serious damage to many of the body's systems, especially the nerves and blood vessels.

Decrease in bone and heart health threatening the little balerina

HealthDay News in early June reported that the little balerina, the kid who learn ballet seriously, have the likely decrease the risk of heart and bone health. Many complaints from the little balerina required to follow a very strict diet to maintain body shape and feed of fat.

General found that the complaint is menstrual irregularity. This is caused by a lack of food to Feed the body, so that no body has enough energy. The cause is also a risk that can be a decrease in heart and bone health.

How to choose the right and safe baby stroller?

Nowadays, the train or push a baby stroller, is already one of the mandatory equipment owned by young couples. In the various shops that sell baby equipment, you will see the 1001 type of push cart or stroller. Not only the color variation of the variety, but also shape or model. Each offers different features and prices many varies also.

However, from various model strollers available in the market, it is surely all can be divided into three major groups, ie, regular stroller, twin stroller for the child, and now starting as trend stroller is a jogger alias for the ordinary people who bring love and baby to participate in jogging.

The 10 benefit of fish oil.....so, consuming this Omega-3, now.

Fish oil has many benefits for health. Omega-3 fish oil can be found in salmon, mackerel and tuna. Consume fish twice a week, will provide health benefits for you and your family.

Here are some great benefits from fish oil:

The Benefit of Drinking Water Therapy

Currently many different types of known water therapy. But there is one type of water therapy is easy to do, that is drinking water therapy. If you see the functions and benefits of water for the body, said therapy is indeed very healthy and can encourage growing of various disease, such as diabetes, Asthma, Bronchitis, diarrhea, tuberculosis, rheumatism, kidney stones, Less Blood, High Blood, hemorrhoid, Constipation, Coughing , sore throat, and so forth. Therapy drinking water since the white has been done by the first ancestor, the name "usha paana chikitsa".

The vital functions of water in human body

Water is the main component of the human body. Do you know if this liquid take variety of vital functions . Water bodies vary according to age. Fetus in the womb, the mother consists of 100% water, while a new born baby is comprised of 75% water. While adults consisting of 60% water and the elderly comprised 50% of the water.
So the importance of water in the body so that only a little short of measure, the body can experience a variety of health problems. Not merely a matter of measure, existence may be spelled out very important activities in the body. As a variety of vital functions such as:

1. As a solvent and transport equipment the nutrient. Substances-vitamin and hormone bring this in to all the body parts that need.

2. As a catalyst that simplify and accelerate many biological reactions in the body, including in the alimentary tract.

3. As a lubricant base-base joints of the body so that it does not rub against each other and can move freely

4. Self as Body Temperature of water have the ability to distribute heat, so that play an important role in distributing heat in the body.

5. Reduce impact on the surface of the body organs that are soft and muted to avoid the impact that can cause damage.

6. Maintain Health And Beauty Body therapy with the use of water internally with drinking water or external as treatment of disease. This is because water is drunk enough, and with the correct method can purify poison-poison found in the body.

Light Up Your Life with Sensual Massage

If you just feel tired now, try during this massage a pair with each other in the press room is closed, without any clothes sheet. However, avoid restricted areas.

Sensual massage, that is the designation for the activities of each other in the squeeze between the husband and wife, the aim is to provide mutual enjoyment of each other, like any couple that are required by us. Target sensual massage is not clear genital or sex organ. In fact, in this sensual massage areas that are prohibited for a massage, the stalk, breast, and male and female sex.

The main purpose of the sensual massage is that you and your partner can give each other time, attention, and awareness. You can talk while intimate, and the more often it is done will make you angry is not easy on it.

After each massage, you will feel comfortable, relax, and fall asleep. If sometimes ended with the sexual relationship, it's only one result only, but not the goal. To remember:

1. If you want to do sensual massage, you can do with the decline of all clothing.
2. Do on the floor with a soft lining and soft, or on the bed.
3. Prepare the olive oil, baby oil, massage oil or other lubricants as.
4. Play music that was fun, both of you.
5. Make a turn, between both of you
6. Do not forget the message in the children's maid, and that you will not be disturbed, turn off the phone, and lock the door firmly.

The Ironi -- Insurance Companies have investment in the cigarette companies

Company of life and health care insurance leading the United States, Canada, and UK, have billions of dollars of investment in the U.S. cigarette company, said a study published in a scientific medical journal, The New England Journal of Medicine, on Wednesday (3 / 6).

Wesley Boyd, main author of that topic, to find at least 4.4 billion U.S. dollar funds of insurance companies that invested in companies related to the product of cigarettes, cigars, and chewing tobacco (chewing).

"Although this prompted the insurance industry out of business by the tobacco and other doctors, insurance continue to put their profits above people's health," said Boyd, a member of the teaching staff at Harvard Medical School.

"It was clear, their main priority is to make money, not keep people's health," he wrote.

Tobacco is considered as the main cause of lung cancer and main risk factors for heart attack, stroke, lung disease, and cancer. According to the World Health Organization, tobacco is one of the factors it in 5.4 million deaths per year.

Researchers, the first states, life insurance companies and health care have a large investment in the company's cigarettes in 1995 in any posts in a British medical journal, Lancet. "Although investing in a cigarette company, while selling life insurance or health may appear defeated itself, but insurance companies have been considering the ways to take advantage of them," Boyd wrote.

"Insurance does not include protection for smokers or, more general, they are charged higher premiums. Insurance hit-and loss-smoker two more times."

Based on the study, the U.S. insurance company Prudential Financial Inc. has 264.3 million U.S. dollars in investment between the three U.S. cigarette companies, including Reynolds America and Philip Morris.

Canadian insurance company, Sun Life Financial Inc., which sells life insurance policies, disability insurance (disability) and health insurance have a stock portfolio with a value of more than one billion U.S. dollars in the two cigarette companies, including 890 million U.S. dollars in Philip Morris.

Prudential Plc, which sells health insurance policy and disability insurance, has a 1.38 billion U.S. dollars in the two cigarette companies, including British American Tobacco (BAT).

Study also breaks down the large investment in the company's cigarettes to U.S. insurance company, Northwestern Mutual, and Massachusetts Mutual Life, and Scottish companies, Standard Life Plc.

Why do the people like the contact lenses?

Contact lenses are thin plastic lens worn patch on the eyes cornea. Contact lenses have the same functionality with the glasses, the edit refraction aberration, aberration accommodation, therapy and cosmetics.

Choosing contact lenses

The types of contact lenses
1. Hard Contact Lens Contact Lenses Hard or
2. Contact Lens Soft Contact Lenses or Other
3. Rigid Gas Permeable (RGP) Lens

Use of contact lenses may initially feel comfortable and require less time adjustment. Type of soft contact lenses only takes a few days to adjust, and RGP contact lenses require a period adaptation 2-4 weeks. In this time, soft contact lens and RGP is more often used for reasons of security and comfort factor.

RGP contact lenses are easily passed cornea so that oxygen can function properly. On RGP contact lenses, oxygen is not only available at the time of eye blinks, but also from the air that can be freely through the lens to reach the cornea. This has caused RGP contact lenses more comfortable in use for a long time.

RGP contact lenses provide better vision sharp, easily treated
and cleaned, the life is longer, able to edit refraction astigmatism aberration that is caused by surface irregularity kelengkungan cornea. However, RGP contact lenses did not senyaman soft contact lenses and need longer adaptation.

Soft contact lenses available for the use of long-term and daily usage. Both types of soft contact lens has an oxygen content ago (ability to be oxygen) that vary according to the material, water content, design and thick. Soft contact lenses more comfortable and more shorter for adaptation period. Less likely to quit when doing activities that excessive compared to RGP.

In the adjustment, the patient may be somewhat disturbed by the sense of the wedge lens is perceived as a foreign object by the eye. Feelings will disappear after adaptation period. The patient with dry eye will be more difficult to adapt when wearing contact lenses.

To determine the type of contact lens that best complete the examination and required consultation with a specialist eye doctor.

Contact lenses for Special Needs

In addition to function as a substitute for glasses, contact lenses can also be used in the following circumstances:

Correction Keratoconus

Keratoconus cornea aberration is where the center of the cornea slender cone-shaped so that the cornea and not regularly. Use of contact lenses on the surface shape function keratoconus new, more organized, keep the keratoconus and edit existing refraction aberration.

Bandage therapy
Contact lenses sometimes used for drug application with the goal of accelerating the process of wound healing and also protect the wound on the cornea.

Cosmetics
Colored contact lenses can be used to disguise the seam / scar on the network to change the cornea and iris color.

Use Safe contact lenses

Some of the things that need to be by contact lens users:

• Always wash hands before touching contact lenses.
• Wash and disinfecting the contact lenses every time after use.
• Place the contact lens is left to be washed and dried every day. Once a week, where contact lenses disinfecting with boiling water. Change the contact lenses regularly.
• Take a contact lens care instructions provided by your eye doctor
• Dispose of liquid that has been used immediately, should not be used for the second time.
• Do not use a saline solution made.
• Do not store in the contact lens that is not sterile liquids such as tap water or water distillation.
• Do not wear contact lenses that are damaged or old. Check your eyes regularly (at least once a year).
• Check with your doctor before your eyes is an eyedrops, because there eyedrops (including a sold-free) that can interact with contact lenses.
• Stop the use of contact lenses immediately if the red-eye or not comfortable when wearing contact lenses. If the problem persists, contact your eye doctor.