Overweight people in today’s modern society are quite often starving for fat – a certain kind of fat. Because eating habits have changed so dramatically in the past century, our bodies are deficient in the Omega-3, Omega-6 and Omega-9 essential fatty acids (EFA), while they contain excessive amounts of the harmful hydrogenated fats, trans fatty acids, and saturated fats. Some medical studies show that our diets today have only from one-sixteenth to one-twentieth the amount of Omega-3 fats that they contained a hundred years ago. At the same time, we are eating twenty to one hundred times as much hydrogenated fats and trans fatty acids.

After adding one to two tablespoons a day of flax seed oil to their diets and eliminating poisonous fats, they have lost cravings for fatty foods and have experienced continued weight loss, increased energy, and a sense of dietary satisfaction.

When the body is deficient in the Omega-3, Omega-6 and Omega-9 fatty acids, it continuously sends a message to the brain, saying, “FAT! I NEED FATS!” Because most of us can’t distinguish between the various types of fats, and until recently, the right kinds of fats were not even available, the more we consume the wrong kinds of fats, the greater the imbalance and deficiency of the right kind of fats becomes.

There are five main physical factors involved in weight management, whether one is concerned with being underweight or overweight. They are:

1. Metabolism
2. Diet
3. Nutrition
4. Exercise
5. Disease

A malfunctioning metabolism is often the main cause of the overweight or underweight condition. However, it can be corrected through proper diet, nutrition, exercise, and the healing of any diseases that influence weight.

Although starvation-thin figures are the rage among today’s models, a modicum of fat is beneficial, as it provides extra fuel during times of hard work, travel, and other stressful occasions when it may be difficult to eat well. A little extra fat on our figures also helps to keep blood sugar stable, provides warmth, and insulates our organs from injury. However, being seriously overweight can damage one’s health and contribute to many serious diseases and conditions including:

Heart Disease, High Cholesterol, High Blood Pressure, Hypothyroidism, Arthritis, Cancer, Diabetes, Constipation, Varicose Veins, Anorexia, Bulimia, Candida, Cellulite,
Fatigue, and PMS.

Many people have found that a good nutrition and exercise program that enables them
to lose excess weight will also create a substantial increase in energy, and alleviate associated health problems.

Popular diets often recommend eliminating all fats to lose weight. While limiting some fats is highly recommended, eliminating all fats can lead to nutritional deficiencies and serious health problems. Millions upon millions of people – especially women – are unknowingly causing severe damage to their health from poorly conceived weight-loss programs that eliminate key fats from the diet. Millions of unborn children will be condemned to a lifetime of suffering from ill-developed brain, immune and nervous systems caused by their mother’s dietary deficiency of Omega-3, 6 and 9 fatty acids and the toxic effects of trans fatty acids, free radicals, and other poisonous substances in their consumption of refined oils.

Fats that should be eliminated from the diet are the chemically altered fats found in commercial margarines, shortenings, cooking and salad oils, and processed foods. Decreasing the amount of animal fats is also important. The EFAs in Omega-3, Omega-6 and Omega-9 help to properly metabolize other fats and prevent the building of plaque in
the arteries.

Although some EFAs can be obtained from fish, the best source and manner to make sure that one is getting the right amount of omega 3, 6 and 9 is purchasing capsules containing at least 50mg of each omega from your local pharmacy; omega 3-6-9 that is made in France is also a guarantee for yourself when you are buying a good, pharmaceutical quality food supplement.

Cardiosterol capsules with Omega 3-6-9 also contians shark liver oil that apart from having omegas also have immunomodulatory properties. Cardiosterol should be taken not only by people who have cholesterol problems but mainly by people that do not have any problems. Healthy individuals have less risk to have any problems in their cardiovascular system if they continue to supplement their body with Cardiosterol capsules.

www.altacare.com

Time and time again I hear horror stories about how homeowners have been put into a mortgage that they did not deserve. This usually happens when you deal with a mortgage broker or mortgage company that has little to no standards. Now that the refinance boom has come to a halt most mortgage companies in Minnesota have packed up their bags and went back to the jobs they came from. This has placed a negative impact on the mortgage industry as a whole and leaves the career minded mortgage broker to fix the problem that unethical brokers created.

When shopping for a mortgage broker ask them if they are associated with The National Association of Mortgage Broker, also known as NAMB. NAMB is the voice of the mortgage industry and has been representing the interest of mortgage brokers and homeowners since 1973. NAMB provides mortgage brokers with professional education and certification programs which recognize professionals within the industry that have a high standard of ethics.

There are also governmental associations within each state that are committed to improving education, and the quality and integrity of mortgage brokers. In the state of Minnesota, this agency is known as the Minnesota Mortgage Association or MMA. If the mortgage broker or mortgage company that you are working with is not a part of one or either of these association I would recommend looking elsewhere for your home loan.

Now that you have determined that the mortgage company you are working with does have a standard of ethics and integrity, how do you know they are looking out for your best interest? The answer to this question is by the questions that your mortgage broker asks you. A mortgage broker that cares about you and your future will ask about your future and your goals, understanding your goals will help your mortgage broker put together a program that fits into your budget and your long term financial goals.

Last but not least, ask your friends, family and even co-workers if they have heard of the Mortgage Company and/or mortgage broker that you are thinking about securing financing through. Their insight might help you avoid a costly mistake.

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A lot of anti-cellulite creams efficacy is often questioned because one does not see them work when applied. Thermic creams are increasing in demand because one can feel them and see them work!

The most innovative products in the market are the thermic creams with red pepper extracts – creams which when applied one can actually feel and see them working!  ALTA CARE Laboratoires – Paris, have just launched an innovative anti-cellulite cream – ALTADRINE Thermic Cream – the Red Pepper extract and the methyl nicotinate combination in Altadrine Thermic Cream causes a redness and burning sensation while actively working on the cellulite and burning the fat away!

Altadrine Thermic cream also contains Citrus Amara extract, Garcinia Cambodgia and Aesculus Hyppocastanum (Horse Chestnut) that work on the cellulite in synergy to the thermic action; Altadrine Thermic Cream is highly recommended for people who want to decrease the ‘orange peel’ effect and have a more refined silhouette.

Citrus Amara extract is pure in it’s body fat burning properties.  Garcinia Cambodgia and Aesculus Hyppocastanum (Horse Chestnut) extracts burn fat by thermogenesis.  Another body fat burner is Capiscum extract, better known as Red Pepper extract.
Altadrine Thermic Cream is to be applied twice a day (morning and evening) on the affected areas; in circular massages, for a minimum of one month.  Altadrine Thermic Cream has a unique non-greasy and warm cream texture which is quickly absorbed, allowing one to get dressed immediately – idea for those late morning wake ups!

When it comes to weight loss unfortunately each and every one of us has a particular ‘problem area’ which is difficult to treat, so in these cases it is ideal to treat locally.

Altadrine Slimming Patches, containing Citrus Aurantium, a pure body fat burner which can be used in combination with Altadrine Thermic Cream to act specifically on these ‘problem areas’ with a prolonged release of 24-36 hours.    Altadrine Slimming Patches are hypo-allergenic, waterproof, skin colour and highly discreet.  Altadrine Slimming Patches are applied to the affected areas once daily, everyday if intensive therapy is needed, or once daily on alternate days for prevention.

Since intensive action is needed for effective weight loss, Alta Care Laboratoires – Paris, have ensured the highest efficacy possible by manufacturing their body fat burners in ampoule form.  Since the extracts in Altadrine Day and Night Burner Ampoules are fresh and have not undergone a manufacturing process(i.e. drying, mixing compressing etc), the extracts remain unaltered and are highly active; as opposed to a tablet where the chemical structure of the extracts have been slightly altered due to manufacturing procedures such as drying, mixing, compressing and adding preservatives. The pharmacokinetics of an ampoule are better than those of a tablet so the active ingredient is liberated faster and more effectively.

Altadrine Day Burner is taken once daily mainly to promote fat burning, draining and detoxifying but it also has tanning supplements.  One ampoule of Altadrine Night Burner before one goes to sleep reduces bloating, promotes fat burning – working on cellulite, and also helps one get a refreshing sleep.  It is highly recommended to administer Altadrine Ampoules in a pulse therapy course:  10 consecutive days with Altadrine Day Burner, and alternating with Altadrine Night Burner.

Often when it comes to weight loss, some people lose some of their radiance and healthy colour and start to look pallid.

Altadrine Lipodrainer is a sugar-free slimming and tanning supplement containing extracts Lycopene and Beta Carotene which stimulate the production of the body’s natural pigment, Melanin.  Altadrine Lipodrainer detoxifies and drains, thus cleaning the body from the inside and preparing the body for slimming.  Altadrine Lipodrainer is also effective in decreasing cellulite.  Alta Care Laboratoires – Paris, do not dilute their syrups with water, thus the active ingredients are stronger and therefore give better effective results.  10mL of Altadrine Lipodrainer should be administered 3 times daily everyday.

When it comes to losing weight, it’s not how fast you lose it, but how you lose it.  Altadrine Soup – also part of the Altadrine Range – ensures that when one is losing weight the hormone, peptides and serotonin levels are well regulated. Decrease in peptides (e.g. leptin and CYK) and serotonin result in a decrease of calorie expenditure, hunger increase and anxiety and nervousness.  Altadrine Soup comes in a 300g airtight tin; no additives, colouring agents or taste enhancers have been added.  Altadrine Soup contains 100% organic vegetables cultivated in France, with a very high content of minerals and active substances, in a fibre base.  Altadrine Soup is very fast and easy to prepare – simply mix 5 teaspoons in 400ml of boiling water and since the soup tastes neutral one can spice it to his heart’s desires (salt, curry etc.).  With Altadrine Soup the more you eat the more you burn!

www.altacare.com

If you’re paying too much on your existing auto loan, an auto refinance loan may be the solution. But, is auto refinancing right for you? Ask yourself three basic questions:

1. Did you obtain the original rate from your dealer who, at the time, offered auto refinance loans?
2. Is it possible that another lender, possibly a bank, may have offered a lower rate on your auto refinance loan?
3. Are you interested in increasing the equity of your car, reversing the “upside-down” trend of your car’s value depreciating faster than you pay off the auto refinance loan?

If you answered ‘Yes’ to any of the questions above, then auto refinancing may make a lot of sense. And cents. With auto refinance loans, consumers everywhere are literally saving thousands of dollars over their loan terms. Consider this example:

You borrow ,000 at a rate of 13.4% over a period of 5 years, and then refinance after four months to a new, lower rate of 9.1%. You save ,350 over the remainder of the auto refinance loan term.

If you financed your car at a dealership, you probably paid an interest surcharge called Rate Participation. Dealers who offer auto refinance loans will generally make money on the interest you’re charged by marking up the rate lenders provide. Sometimes this rate hike can be 3% greater than what a bank would have quoted you otherwise. In these cases, your current credit rating already qualifies you for a lower auto refinance loan rate, one that would have equated to lower monthly payments.

Fortunately, auto refinance loans involve a simple application, and can be completed online in a matter of minutes. This is followed by a phone call from a loan agent who verifies your auto refinance application and gets you a credit decision. The new lender then simply pays off your old auto refinance loan, and opens your new auto refinance loan at a reduced rate and payment. In the meantime, you’ll receive some paperwork via post mail for your signature. The best auto refinance loans have no application fee, pre-payment penalties or hidden charges – what is commonly referred to as “no-obligation”.

But the financial world is not easy to navigate and obtaining the right auto refinance loan can be difficult. The easiest way to find companies offering the best auto refinance loans (and service) is to utilize the Internet. Look for sites that offer vast resources, including advice, tips, and general information about financing, as well as tools that make auto refinancing easy. These companies are usually the most qualified to meet all your unique financial needs.

Like your need to save money. Or, at least, to stop spending it where it doesn’t have to be spent. Auto refinance is a great way to do that, and the checklist below can help. You’ll not only save money, you’ll save time, something just as valuable as your cash. In just a few minutes, you’ll learn how to save hundreds – possibly thousands – of dollars over the life of your auto refinance loan. If have a high APR and want to lower your payments, this is an oversimplified process to do it.

Auto refinance loans can be broken down into five easy steps:

Step One – Begin with the auto refinance application
A typical auto refinancing online application is short, easy to fill out, and only takes a few minutes. Never fill out an application that isn’t advertised as “secure.” This will ensure that the information you submit is protected.

In most cases, if you submit your auto refinance application during regular business hours, a designated auto refinancing loan specialist will contact you with a decision promptly. However, if it is submitted at any other time, for example on the weekend, it may take a slightly longer before you hear back.

Step Two – The nuts and bolts of auto refinancing
Once your auto refinance loan application is approved, have the following information readily available:
• Name(s) on auto refinance loan
• Name(s) on car title
• Year, Make, Model, Class
• VIN#
• Exact Mileage
• Current Lien Holder
• Account Number
• Lien Holder Phone #
• Additional equipment in the vehicle (Auto refinance terms are affected by factors such as transmission type, 2/4-door, short/long-bed, CD player/changer, running boards, cruise control, power windows/door locks/mirrors/seats, rack, tilt wheel, etc.)

Step Three – Speeding the auto refinance process up
To expedite the auto refinancing process, have a copy of your driver’s license, 3 personal references, car insurance, car registration, and/or original lease contract (if applicable), ready to fax to the auto refinancing loan specialist.

Step Four – Signing your auto refinance contract
Then, after speaking with a specialist, you’ll be sent documents that must be returned with your signature. Once these documents are received by the lender, a payoff check will be sent to your existing lien holder.

Step Five – Closing the auto refinance deal
Finally, once the check clears and title is received, the auto refinance process is complete.

Auto refinance allows you to keep the car you love and get rid of the payments you don’t. Just follow these five steps to a better auto loan. So, start saving money, or lower your payments now.

www.HomeMortgage.com Home owners looking into mortgage refinance in Hawaii can leave the stress to HomeMortgage.com Whether youre looking for a 5 or 30 year fixed rate mortgage, HomeMortgage.com will get you multiple quotes with competitive rates! We want you to make the most of your mortgage by giving you five Hawaii refinance rates options. Learn more at www.HomeMortgage.com!

If you are looking to refinance your mortgage, find a first mortgage, or consolidate your first and second mortgage in the Houston, Texas area, where do you go for the best service and the best rates?

Most people believe that if you want to refinance your first or second mortgage then you need to return to your original mortgage lender. Whether people believe this fallacy out of loyalty or obligation, it is inaccurate. Refinancing your home loan is an equally large commitment as the initial home loan.

Psychologically speaking, people tend to stay with what they know and what they are familiar with, especially when it comes to financial business. Even if procuring your initial home loan wasn’t the best experience, you may be inclined to accept below par service in exchange for that comfortable feeling of familiarity.

There are bound to be top notch loan officer to assist you in the refinancing process in the Houston area. You do not have to settle for second best. It takes courage to look beyond your comfort zone, but if you find a loan officer that is willing and able to go to bat for you, make the refinance process as painless as possible, and provide you with a home loan rate that you are happy with, then it is worth crawling out of your comfort zone.

When trusting someone new to your financial business, trusting your gut is allowable. In the surrounding area there are still companies where a person’s word is paramount, and the obligation that comes with trust is sacred. Of course those companies don’t typically come up and introduce themselves to us on the street, we have to be able to recognize them for ourselves. Refinancing a home loan may very well be a run of the mill process to many loan officers. You want someone who understands that refinancing your home loan is certainly not run of the mill to you. This is a very personal decision, and you want someone who can recognize the personal effect it has on your life.

There are numerous options when refinancing, some will cost you more money while other will cost you less. Understanding all your options concerning your home loan is crucial to your overall financial health. Despite the fact that for a loan officer, home loan information is daily and continuous information, you need someone willing to take the time thoroughly explain your options without assuming that you should have information beforehand. Many home loan officers do not completely realize that refinancing a home for some people is equivalent to walking without a compass through a jungle, and are unwilling to walk their clients through the process by the hand.

Finding the right loan officer in the Houston area may take a little time and research, but once you find them you will undoubtedly be thrilled that you did. Don’t leave something so huge to chance or to guesswork. Do you homework and you will find yourself perfectly comfortable with the entire refinancing process.

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How about a credible classic as a second car, runabout or something to kick-start the hobby off… and all for under a thousand pounds?  The classic car enthusiasts at Sureterm Direct came up with this list that they thought might start you dreaming.

Hillman Avenger

Why buy - It’s a stylish, low cost runabout that does the job as good as any rival and is a lot cheaper than most. Miles better than the old Minx and Hunter, there’s a wide range of two or four-door saloons and roomy estates, plus GT and luxury GLS offshoots.

Best bits – Lively performance (especially 1600 and all GT’s) and good, clean handling mark this Hillman out as one if the better saloons of the 70’s, and this goes for the trim levels too, especially the GL and GLS.

Best buys – GTs and GLS models, 1500GL, and some good special editions.

Spares and Support – Bearable but you will need to look far and wide. Club support better than most thanks to the official Association of clubs.

Triumph TR7

Why buy - The TR7 is a misunderstood and overlooked TR and yet it’s as accomplished as any of the earlier icons and far more sophisticated, especially its suspension. There’s a good number around going cheap and can only rise in value.

Best bits – The TR7 drives much better than it looks with TR6 pace, far better handling and good refinement, especially the coupe. There are loads of cheap and effective upgrades to refine the car further.

Best buys – Nice coupe or a pretty average convertible if you can get one in the budget but the latter are rare.

Spares and Support – The former is pretty good – club support to usual TR standards and there are TR7 specialists now sprouting up, some are even remanufacturing bits.

Jaguar XJ40

Why buy – There can’t be a cheaper more accessible way to own a classic car and while the XK40 has been derided, it’s now starting to gain respect. It has all the good points of the old XJ6 but in a more modern package. Loads around, it’s a great ‘first step’ Jaguar.

Best bits – The XJ is a genuine Jag with sublime handling and a cosseting ride that’s even better than the old S3. The pace and grace is there while top models come with everything, especially Daimlers.

Best buys – Always on condition and avoid the 2.9, or leather-less models

Spares and Support – No real worries plus there’s a good spread of specialists to contain costs. Club support not as good as older jaguars, but it’s improving by the month.

MG Montego

Why buy – If you’re after a modern sporty saloon with a raffish charm for general duties, then the MG Montego wins. It’s the new age Magnette in every way and you’d be pressed to pay £1000 for even the best example. And it’s a car we can see creeping up in value and respect.

Best bits – The Montego wears the MG badge with ease care of good performance (towering in Turbo form), and pleasing civility. It’s a very roomy saloon that was well equipped for its era and tasteful

Best buys – A nice well looked after 2.0Efi

Spares and Support – Not as good as ‘trad’ MGs but not too bad. Usual array of MG clubs ensure that strong support will always be there.

Porsche 924

Why buy – There’s no cheaper, sleep-easier way to get into pukka porche ownership – despite the 924’s image! VW/Audi parts ensure inexpensive running and although the 924 is no supercar, the performance is nothing to grumble over either. Dead reliable and lots around going cheap, but values are intensifying.

Best bits – Nice packaging with great weight distribution makes the 924 a fine driver’s car. Pace just adequate on early models but pretty rapid on 944-powered 924S. Hatch provides day to day versatility or they make good cheap racers.

Best buys – Anything honest and original, but five-speeders or later 924S best.

Spares and Support – WV/Audi parts means few probs (beetle bits too) and plenty of scrappers around for spares. Good club and specialist support.

Vauxhall Chevette

Why buy – If you’re after old school economy fun that’s simple to keep and fun to drive, then the Chevette is for you. With its Viva engine married to an Opel Kadett chassis it goes a treat plus there’s shed loads you can do to improve it.

Best bits – Rear wheel drive, the chevette is a classic handler while the Viva 1256cc engine is fairly peppy. Handily-sized, the Vauxhall feels small next to a new supermini. Simple mechanics couldn’t be easier to service.

Best buys – Condition counts above all else, but go for hatch or estate models launched in 1975 as a hatch with saloons and estates for ’76. Top GLS model and hot 16-valve HS and rally bred HSR join range by ’78. Various specials, such as E and ES, and 1980s facelifts before axe in ’84.

Spares and Support – Most mechanical parts are obtainable but body panels are not, so it’s autojumble time! Club support generally okay, but will never be Ford good.

Ford Capri MK2/MK3

Why buy – Despite being 40 in 2009, Capris are still promising and the less popular Mk2/Mk3 hatchbacks are still cheap. Hatchback versatility, decent drive with easy spares and mods make the Ford a practical proposition and we reckon prices will rise soon.

Best bits – Rear wheel drive, lively 1.6/2.0 Pinto engines and huge potential for modernising, Capris are sensible second car classics. Easy to drive, fairly refined and neatly trimmed in top Ghia forms.

Best buys – Condition counts most here but go for 2.0 in GL, LS or Cabaret trim if you can.

Spares and Support

Being a Ford the oily bits are very easy to source and repair while body panels seem fairly available. As expected, there’s very strong club/aftermarket support.

BMW 3 Series

Why buy – It was the yuppie’s transport 25 years ago and now the 80s 3 series is fast becoming a classic – specially the quick ones. Sturdy, classy and with classic rear wheel drive handling, these cars are highly practical and useable and simple enough to maintain at home.

Best bits – Cleanly styled, this BMW has timeless good looks. Sport versions are worth hunting down and the estates, through tiny, are handy holdalls.

Best buys – Anything original and cared for; 320i, 325i, 318iS especially.

Spares and Support – Well served by independents and general aftermarket (so cheapish spares) with strong support from a variety of BMW and tuning clubs in UK and Europe.

At this moment you may be feeling the binds of stress, utter loss of hope and complete despair. It may seem like there is no way out and no option left but to file for bankruptcy. However, before you take the leap, you need to realize the price you will pay for bankruptcy. For ten years you will have it on your credit report and will be firmly restricted in applying for credit, either by being denied or by paying extremely high interest rates. This will severely affect your way of life and ruin any chance of getting a loan for a car or house and may even affect your capability to gain employment.

Therefore, instead of settling for this last resort, try to use the alternatives below to help you find a way out of your debt.

Alternatives:

#1. Speak to a financial advisor or credit counselor. Seek help before you make the decision to file for bankruptcy. A professional may be able to offer a better alternative or another way out then you may have thought of before.

#2. Get a Debt Consolidation Loan. You can get help from many reputable debt consolidation agencies who can assist you in reducing your debt considerably.

#3. Use your assets. Make use of the valuables you have. Possibly sell expensive jewelry, family heirlooms or anything that you do not regularly use or is too costly to use on a regular basis.

#4. Get rid of your unneeded expenses. Consider getting rid of some of your luxuries for a time, such as cable TV, high-speed internet, long-distance calling, dining out and extracurricular expenses.

#5. Ask your relatives for help. Ask those around you – relatives, family or friends – for a loan.

#6. Refinance your home. Pull out equity by refinancing or possibly think about selling your home and renting instead to pay off some of your debts.

#7. Cash out any benefits. Use any 401K/retirement benefits and cash them out to pay off your current debts.

#8. Apply for a non-secured signature loan. These personal loans are given to those with bad credit and with no collateral security only on the basis of a signature on a letter from the borrower undertaking to repay the amount as per the terms and conditions under which the loan is given.

#9. Sell your extra car. If you have a second car, although it may be convenient and seem necessary, sell it and use the money to start paying off your debts.

#10. Get a second job. You may need to consider getting a second job for a little while to help pay off some of your debt.

Hopefully these alternatives have given you some ideas for another way out, other than filing for bankruptcy. You may have to go though some hard times for awhile and give up the normality you may be used to but, trust me, it will pay off in the end, and you will not be disappointed with the decision you made.

Points, they are a sore subject for any borrower about to close on a mortgage. They are most often misunderstood and the decision is based on emotion instead of knowledge of the facts. Remember folks…..the numbers never lie! Take a minute to review the why and when to pay points before your next home purchase or refinance. Ray Quinn is a licensed Mortgage professional in the state of NH. You may contact him with questions on this subject or others at ray.quinn@maghomeloan.com or directly at #603-345-8233.
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A probiotic is a food-supplement containing live beneficial microbes that can be used to fortify or rebuild our own natural flora.

Why do we need probiotics?
To keep the balance of intestinal flora tipped toward the positive side, because contrasting the beneficial flora are the bacteria, viruses, fungi and protozoans, all in some way or other implicated in heart disease allergies, asthma, skin disorders, obesity, digestive problems, urinary tract infections, certain cancers, Alzheimer’s and other chronic diseases. Thus a daily probiotic can be an effective preventative and therapeutic measure to help keep the balance of good intestinal flora.

So feeling well depends very much on keeping your friendly bacteria happy and not letting the bad flora get the upper hand as happens for example when there is food poisoning.

ALTAFLORA ELECTROLYTES of Alta Care Laboratoires, Paris, is a therapeutic nutritional preparation for gut effects favouring growth of normal bacterial flora and not favouring growth of pathogenic organisms. Indications for use include diarrhoea, constipation, gastro-enteritis, peristatltic disorders, flatulence, stress, antibiotic therapy, and age.

Yoghurt is renowned for its health boosting qualities. It introduces active probiotic cultures that help wedge out unfriendly bacteria by competing directly with two main food poisons: the toxic strains of E. coli and Staphylococcus aureus. Many experts have extolled the health benefits of yoghurt, and other fermented foods. Fair enough because yoghurt is one of the few foods that can replace the good flora to the intestine !

But the strategy resulting from the properties and  qualities of ALTAFLORA ELECTROLYTES to uphold the intestinal flora balance is far superior to that of any yoghurt. Altaflora electrolytes are probiotic supplements and therefore the number of good bacteria is much higher than the number of bacteria found in yoghurts. The good bacteria selected in Altaflora electrolytes is not a generic one as in the case of yoghurts but a highly selective one. The good bacteria with high adhesive properties are chosen for Altaflora electrolytes. This means that the good bacteria found in Altaflora not only are high in number than those found in yoghurts but are of also a superior quality.

Research has shown that while normal yoghurt has approximately 100 billion good bacteria (CFUS) – frozen yoghurt having 10 billion, Altaflora Electrolytes has 700 billion (CFUs), while the Altaflora Capsules has 250 billion.

Moreover ALTAFLORA ELECTROLYTES besides having so many  beneficial flora, has also inulin. Inulin is a prebiotic – soluble fibres; sugars that basically flora eat on to form cultures. Inulin is not present in Altaflora Capsules. Nor is it present in yoghurts.

Unlike yoghurts the ALTFLORA ELECTROLYTES is also rich in electrolytes, that is sodium, magnesium and potassium. Electrolytes are present in high dosages in both the Altaflora capsules and the Altaflora sachets.

As one can see the benefits of ALTAFLORA ELECTROLYTES by far outweigh those of yoghurt. An approximate equation could easily be:
1 ALTAFLORA SACHET (of Altaflora Electrolytes) = 2 ALTFLORA CAPSULES = 7000 YOGHURTS.

It’s important to support probiotic use and your existing flora through optimal nutrition, especially by minimizing refined sugar and processed foods in your diet. For many of us, however, diet alone is not adequate when we need to repopulate our systems with good bacteria. Remember, we are talking trillions of bacteria here! And age, poor diet, stress, disease, and antibiotics all take their toll on our intestines’ little helpers. You need a steady, consistent supply of probiotics to redress these issues and many times your daily yoghurt would not be enough. So make sure that ALTAFLORA ELECTROLYTES becomes your strategic partner. Altaflora electrolytes are only available in pharmacies but they can be bought over the counter and there is no need of a prescription.

www.altacare.com

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Where Oh Where Does My Money Go?

Have you wondered why “getting ahead” seems so much harder for us than it did for our parent’s generation?

Is it because things simply cost so much more?…or maybe it’s because they were much better at making wise decisions with their money.

Or maybe, just maybe it’s because we are dying a slow financial death as interest slowly eats away at any additional money that was “ear marked” to save or invest.

Could it be that we are being bombarded with huge marketing campaigns that convince us to use our credit cards to buy far more than we need, and then refinance our homes to pay off that debt?

Thank goodness that many of us have 401k’s and pension plans in our workplace, because for many it’s the only money that is being saved at all, but since we can’t really get to those dollars until we are 59 ½, you have to wonder whether we’ll run out of money long before we ever have access.

If you look at what has happened to the average mortgage, the picture begins to reveal itself. Back in 1972 the median home price was under ,000. So you can imagine how much the average mortgage was. But for the purpose of our analysis let’s say you financed ,000 for 30 years. Even with higher interest rates the total interest paid on that 30 year loan was around ,000.

Fast forward to 2007. The median home price is 211,000. If you financed the entire amount at 6.5% interest for 30 years, you would pay 9,117.00 in JUST INTEREST!

Now do you see where our money is going? Then if you add the fact that many of us our using our homes like giant ATM machines and sucking the equity out to pay off credit card debt, the picture looks even worse. Every time you get caught up in the refinance game, you are back to the starting line with a brand new mortgage where you are paying mainly interest for 21 years! Did you now that if you refinance in the first 5 years of that mortgage that you could be paying an effective interest rate over 100%?

So what can we do? We simply don’t have the cash to go out and buy our homes outright, we need to have a mortgage. The answer lies in getting that mortgage paid off as quickly as possible.

In Australia the One Account accomplishes this very nicely, and on average they are paying 0,000 less in interest than we do here in the U.S. Their mortgages simply look like our checking accounts, so they deposit their paychecks into their “One” account, and take advantage of the float on their money. We all know that there is almost always some money that sits in your checking account for a few days at least until you need to pay it out on an expense. In Australia that “money float” is working against the interest on your mortgage.

Here in the States the banking laws don’t permit us to utilize the “One Account” concept. But companies are now stepping forward with versions that will work here to accomplish the same goal.

NBC News in Las Vegas recently aired a report on a Valet working at a Strip Casino. By using one of these products

He will pay off his home in under 5 years, and save over 0,000 in interest! There is the money he needs to begin to turn the corner and put his money to work for his future.

If you would like to view this report, it’s available at http://www.ownin5.com.

It’s time that we all begin to do our homework and take a good look at what is happening as the financial landscape slowly changes.

What worked in our parents generation, may simply no longer make sense for us. We need new awareness, and as we realize where the leaks are in our financial pipes, the repairs can begin.

We need to realize that a “new lower payment” may not be the answer, and that the wonderful refinance option with “no closing fees”, may cost us more than we could ever imagine.

We need to open our minds to new ways, and thoroughly investigate all of our options. Our futures depend on it!

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