Archive for April, 2009

Gaspari Nutritional Supplements Top Flight Stuff

Thursday, April 30th, 2009

Gaspari nutrition is one of my favourite nutritional supplementation companies. You can attend virtually any workout club and you’ll detect individuals working out who are using Gaspari nutritional supplements. Rich Gaspari the founder of Gaspari nutrition possesses a commitment to making the best of the best when it comes to bodybuilding supplements that work as claimed.

Unlike some supplement companies they do not formulate a infinite number of supplements. Sometimes producers produce so many mutations of bodybuilding supplements that it creates a situation where it is difficult to know what to use and when to use it.

You will find Gaspari nutrition products to be of top-flight and you will not be disappointed. Do not take my word for it. Go to your gym and begin to inquire regarding what nutritional products they are taking. I’ll put money down that a couple of them will answer they are utilising Gaspari.

Their Holodrol liquigels are outstanding. Their IntraPro Whey Protein is first-class. Novedex XT Testosterone Booster is top-flight. In fact, Novadex might just be the best the industry has to offer. It seems to e that few people have anyhing lousy to say about Novadex. Different people will have different results. Nonetheless, Gaspari nutrition looks to have a well-deserved reputation for first-class products.

If you are considering trying a different product line and have not tried Gaspari nutrition, do yourself a favor and try this brand. If you have never utilized any supplements before and want to start with a quality brand, then Gaspari nutrition is a good company to begin utilizing.

Mesothelioma – The Largest Man Made Epidemic

Thursday, April 30th, 2009

It is documented that Australia had the highest per capita use of asbestos in the world from the 1950’s until the 1970’s. As a tragic consequence, Australia now has the highest per capita incidence of mesothelioma in the world. With more than 500 Australians contracting mesothelioma per year, it is estimated that up to 18,000 Australians will die from this asbestos related cancer by the year 2020.

Despite the growing awareness of the dangers of asbestos, there are many people who have not heard of Mesothelioma. This asbestos related cancer is defined as: a malignant spreading tumor of the mesothelium of the pleura, pericardium, or peritoneum, arising form the inhalation of asbestos fibers.

One of the most baffling and frightening known facts concerning Mesothelioma is that many years may pass, between inhalation of asbestos dust and its deadly legacy of disease; it is not uncommon for four decades or more to pass before symptoms due to asbestos dust inhalation become apparent.

In November 2004, I was an invited speaker at the Global Asbestos Congress 2004, held in Tokyo Japan. Over 800 participants from 40 countries around the world were in attendance. To be a part of such a large gathering of fellow humans, united in a quest to rid the poison of asbestos from our environments was an intensely moving experience. Having lost my husband to mesothelioma I know first hand the suffering this cruel disease places on its innocent victims.

There were many speakers and each told a tale, of pain, death and heartache. We listened, we understood and we ached for the past, present and future victims of the killer asbestos and its legacy of mesothelioma and other asbestos related diseases. We listened and we were shocked and angered to learn that despite the growing awareness of the dangers of asbestos and the increasing incidence of asbestos related disease, there remains some countries who are mining asbestos with little or no regard for their workers or people who will come into contact with asbestos products.

Asbestos disease Association member’s world wide are working tirelessly and fighting almost insurmountable odds to ban asbestos from all countries of the world. It is a sobering and frightening fact, that even if we were successful today in this quest, the legacy of asbestos related diseases will continue for five decades.

Add your voice to the many who want this killer product erased from the worlds environments – Add your voice to the call that pleads for adequate compensation for victims and their families. Sign the online petition at Asbestos Disease Awareness Organization:

The Asbestos Disease Awareness Organization (ADAO) continues to raise public awareness about the dangers of asbestos exposure and the incurable and often deadly asbestos related diseases. ADAO is quickly expanding and uniting veterans, fire-fighters, shipbuilders, teachers and thousands of other innocent people around the world. Asbestos Awareness leads to education, prevention, new treatments and ultimately a cure.
http://www.asbestosdiseaseawareness.org

EzineArticles Expert Author Lorraine Kember

Article written by: Lorraine Kember – Author of “Lean on Me” Cancer through a Carer’s Eyes. Lorraine’s book is written from her experience of caring for her dying husband-an asbestos victim – in the hope of helping others. It includes insight and discussion on: Anticipatory Grief, Understanding and identifying pain, Pain Management and Symptom Control, Chemotherapy, Palliative Care, Quality of Life and Dying at home. It also features excerpts and poems from her personal diary. Highly recommended by the Cancer Council. “Lean on Me” is not available in bookstores – For detailed information, Doctor’s recommendations, Reviews, Book Excerpts and Ordering Facility – visit her website http://www.cancerthroughacarerseyes.jkwh.com

Arginine, Is This Natural Viagra?

Thursday, April 30th, 2009

Recent studies have indicated that the dietary supplement L-Arginine works in your body to produce a compound, Nitric Oxide which is used by the male reproductive system to stimulate an erection. The compound, L-Arginine, is a naturally occurring amino acid that is found in our muscle and cell tissue. Although our diets provide a fair amount of this amino acid, dietary supplementation has been shown to be effective in treating low levels of erectile dysfunction. Subsequently, Arginine seems to be the body’s natural Viagra.

The supplement itself seems to be effective, and vitamin companies are fighting to develop products to exploit its effectiveness. Many nutritional products that now boast treatment of erectile dysfunction contain high levels of Arginine with a myriad of other compounds.

So what does this mean? Is Arginine an effective alternative to Viagra? Well, the answer is yes and no. Unlike Viagra, Arginine supplementation will not bypass the normal stimulation mechanism and cause an immediate erection. You will still need the mental, visual, and physical stimuli to incite and erection. It will however aid in the ease of erection and has been shown to be effective in patients with mile erectile dysfunction. In addition, for those currently using Viagra, the addition of Arginine supplementation in the diet has shown to be beneficial in making the Viagra more effective. Subsequently, Arginine can be helpful even if you still need to rely on Viagra.

In summary, Arginine is a naturally occurring amino acid that we can take as a dietary supplement. The interaction of the compound in our body helps to create Nitric Oxide which is necessary in the development of a male erection. Although not a complete substitute for Viagra, the compound can help mild dysfunction and increase the performance of Viagra for those that must rely on the pharmaceutical.

About The Author

Barrett Niehus is a principal for IP Ware http://www.freetrainer.com and a technical associate of Compound Solutions http://www.compoundsolutions.com in Escondido, California.

Free Buy to Let Mortgage Quotations

Thursday, April 30th, 2009

Are you looking to make more profit from investment property? Learn how you can by using some of the best buy to let mortgage products. Using an on-line buy to let mortgage quote system will help you work out your monthly repayments on a buy to let property or the remortgaging of an existing buy to let property. This can help you establish if now if the right time to start investing in the property market.

It would be easy to start saying just how easy it is to become a landlord and earn income from investment property and how you can simply sit back and watch the profit tumble in like a cascading waterfall. The reality is that there are a number of key issues that you will have to be involved in to ensure your investment property portfolio works to its optimum. With tenants to source and vet, an investment property to maintain, buy to let mortgages to arrange, letting agents to manage and accounts to monitor, it does take a certain level of commitment. So if you are still keen to have a slice of the much talked about property game then you will want to read on to find out how to get started? It’s also worth picking up a Free Buy to Let Guide.

Firstly, you need to establish if this is the right time for you to become a landlord and how much it is going to cost you. Can you afford to tie up money in a property? If the worst comes to the worst, can you afford to lose that money?

The simplest way to work out the repayments on a buy to let mortgage is to use an on-line buy to let mortgage calculator to get a Free Buy to Let Mortgage quotation. These can help you work out the best buy to let mortgage product for the type of investment property you are considering and your individual circumstances. You will need to know the likely rent that can be achieved for the property as this will determine the maximum loan amount available against the purchase price or refinancing value of the buy to let property. It is worth bearing in mind when you are getting your buy to let mortgage quotation, that lenders normally suggest that the rental income each month represents at least 130 per cent of the monthly mortgage payment. Although there are some buy to let products calculated on ratios of as little as 115%. Use the buy to let quote system to see how the buy to let mortgage payments work out on a monthly basis. By working on these calculations, gives the investor a margin to cover the letting agent’s fees and other associated costs.

This is a long-term investment and you need to take the same approach to investing money into a house or flat as you would to buying into the stock market. Historically the value of properties have doubled every 10-15 years but that doesn’t mean to say that there won’t be peaks and troughs in between. These are times that you have to be prepared and most importantly can afford to ride through.

Increasing your returns by using buy to let finance to your advantage

For example, lets say you have £100,000 cash to invest into Investment Property. Is it best to buy a property outright or use this money as deposits on multiple buy to let properties?

Mr Jones – decides to use his £100,000 to purchase a brand new property outright for cash. He lets the property for £600 per month giving a return of £7,200 per annum. Due to inflation, the rent will increase accordingly and eventually, after fluctuations in the property market, the house doubles in value.

Mr Smith – decides to use £100,000 as deposits (15% for each investment property) to buy £500,000 worth of properties similar to the one Mr Jones bought. This results in Mr Smith receiving five times as much rental income, i.e. £3,000 per month or £36,000 per annum. The other £400,000 is borrowed on buy to let mortgages and Mr Smith pays interest on this at a rate of approximately 5%. These monthly interest only repayments would work out to be £20,000 per annum. Therefore, net of interest they receive £16,000 per annum. Mr Smith is already better off than Mr Jones….. but what happens in years to come? Well it is probably safe to say that Mr Jones’s rental income will rise with inflation as per Mr Smith. However, Mr Smith’s buy to let mortgage costs remain the same. Therefore, the gap between Mr Jones and Mr Smith’s rental income will continue to widen as time goes on. And finally after 10-15 years when property could have doubled again. Mr Jones would have made a capital gain of £100,000 and have £200,000 worth of investment property. Whereas, Mr Smith would have made £500,000, which is five times as much capital gain!!

The most successful landlords will use some of the best buy to let mortgages to fund their buy to lets and with buy to let mortgage products becoming more sophisticated and competitive the right buy to let financing can ensure you maintain your investment property portfolios in such a way that you are always working to the most optimum cashflow situation. Whether they are looking to make a new purchase of an investment property or re-mortgage a buy to let, they will often use an on-line buy to let mortgage quote system to work out which products are likely to suit their circumstances.

Best Buy to Let Mortgages

Finding the best buy to let mortgage is crucial to your success as a property investor. Unlike other forms of investment, a lot of the money you put into a buy to let property is likely to be borrowed. Over the last few years, the buy to let mortgage market has boomed, and borrowing money to invest in this way has become easier than ever. There are a number of different buy to let mortgage products available from fixed rates, discounted variable rates, discounted rates and so on. A good buy to let mortgage quote system should help you identify what would suit you best. Different products may be suitable for different investment properties. And don’t be tempted to just go for the cheapest buy to let mortgage as there may be penalties that make it less attractive in the long term.

Always find out the best buy to let mortgage deals available at the time. Some investors may decide to retain their entire portfolio with one lender, but it’s important to realize that different buy to let products between different lenders can provide you with maximum flexibility and cashlow depending on how you structure your funding.

However it is very important that you get the correct guidance with your buy to let finance. You will often find that buy to let mortgage brokers have access to numerous different products and lenders and some can even offer exclusive products that wouldn’t necessarily be available to you if you approached the buy to let lender directly.

Questions that are worth considering when finding the best buy to let mortgage:

1. Do they have access to lots of different products in the market place?

2. Do they have the ability to create a long term property development strategy for you?

3. Are they able to secure Exclusive Products?

4. Are they able to arrange mortgages within 10 working days?

Most buy to let lenders will offer a maximum loan of 85% requiring you to fund at least a 15% deposit towards your investment property. The buy to let mortgage industry is very competitive with new products being launched on a very regular basis.

Some buy to let mortgage brokers may charge a brokerage fee up to 2% to arrange the buy to let finance for you but don’t let this put you off because if they do have the ability to secure exclusive products for you, it could be very beneficial to your cashflow as a landlord. Plus, if they are able to reach formal mortgage offer stage in a very short space of time, this could result in you being able to secure the investment property at very competitive prices if you have the ability to tell the vendor that you can have the deal completed within a matter of a few weeks.

How much you can borrow for the buy to let property will usually be worked out differently to how much you can borrow to buy your main home. Different lenders and different products carry different criteria for working out the maximum loans available. Some will lend on how much you earn, others on the rental income you achieve from the investment property. And sometimes a combination of the two.

Jennifer Tweed is the founder of http://www.buytolet4sale.com, one of the first property portals to be dedicated to all types of Investment Property for Sale in the UK and overseas.

Sell a House in the First 60 Seconds

Thursday, April 30th, 2009

Selling your house is all about creating the right impression instantly. This first impression will overide any little faults found later down the line. The first impression has a remarkable affect on the brain of the buyer. It says to a buyer ” I want to to live here!”

Property buyers will have already formed an impression before they step into your property. A well-kept garden, pathway and fence, plus a freshly painted front door are immediately appealing, whereas a scruffy outdoor space with a litter bin outside the front door may turn many prospective buyers away.

De-clutter – don’t underestimate the appeal of a tidy property. Throw out the junk – use moving as a good excuse to get rid of old, unwanted and unused items. Clean – dust and clean the whole house thoroughly, from cobwebs on the ceiling to crumbs and stains on carpets and rugs. Remember to wash down paintwork and clean windows.

Natural Colours – research shows that, most buyers prefer natural, earthy colours to bright, bold shades. Although there is a wide range of paint colours available, magnolia is still the top-selling colour.

Add a bit of colour – to prevent rooms looking too bland, use strong colours for accent walls or cushions and accessories.

De-personalise – remove personal items, such as family photographs and children’s drawings, which may distract potential buyers.It may sound harsh but it really helps sell property

Maintenance – Complete all minor repairs.

Major Jobs- If you don’t spend out on home improvements to complete major repairs it could have a disproportionate affect on the value of the property.

Lighting – the right lighting can improve the mood of a room. A room looks cosier with a few table lamps rather than bright general lighting.

Create a scent – it may be a bit of a cliché to bake bread or grind coffee beans just before the arrival of a potential buyer, but scent does plays an important role in creating the right impression.

Open windows – most buyers like the smell of a freshly cleaned and aired room. Open the windows every day to let fresh air into the house.

Avoid strong food odours – don’t cook foods such as fish or curry before a viewing as the smell will linger.

Take pets out – ask friends or family to look after pets during viewings. Fresh flowers and fruit – flowers and a bowl of fruit will brighten up a room and provide a pleasant smell.

Define your rooms – a property will be more appealing if rooms have a specific purpose and this allows buyers to see the full potential of the property.

Seasons – the best time for selling property is spring and autumn; the market slows down during late summer and over Christmas/New Year. If a property is sold while the market is buoyant, it’s much more likely to attract the asking price.

Preparing to meet buyers.

Making a useful list of costs – Put yourself in the buyer’s position and think about what questions they are likely to ask then compile a useful list of costs associated with running your house. In the UK council tax bills vary from property to property so having the costs at hand is really useful for buyers. Utilities bills, insurance, maintenance costs may also be useful information. You can use the list as an aide during the viewing and as a helpful piece of information to give to your prospective buyer when they leave.

Keep your property description details – Keep copies to hand of your property description details. Some buyers may have forgotten to bring them along. Be prepared to answer questions relating to what is written on your property details. Know how old your boiler is, how long ago that flat roof was replaced. If you’ve had electrical or plumbing work its good to know what was done, but remember don’t stretch the truth this may return and bite you when you least expect it.

Know the positive and negatives- Every house has positive and negative points, know them and be ready to expand about them

Your attitude – Treat each person who views your property as a potential buyer. You may have to negotiate with them at a later stage. Your aim will be to create a good working relationship you will need to be friendly but not too friendly, a detached informative attitude is ideal. This also helps give your buyer the feeling that you are not desperate to sell your house. It’s a fine line so be careful you don’t appear disinterested. Avoid putting any pressure on the buyer by asking them too many questions at this early stage. Hard sells do not work with major purchases like a property and will only serve to put your buyers off. Take your time and try to feel relaxed. If you feel rushed and tense so will your buyer. Good time management is essential before you allow in potential buyers.

Now you are prepared to sell your home so will the buyer be prepared to buy your home

Copyright 2006 Nicholas Marr

Nicholas Marr - EzineArticles Expert Author

Nicholas Marr is the CEO to his own property marketing company at Marr International Ltd. His company is responsible for one of the fastest grwing property web sites at http://www.homesgofast.com

The Leadership Vacuum

Wednesday, April 29th, 2009

In today’s fast moving, ever changing, and highly competitive world there is a vacuum of leadership. More than ever our government, businesses, religious organizations, and our educational institutions need leaders.

This crisis has arisen in part because of the end of the industrial age. With the coming of the information age that we are now living in, many of our institutions have been reinvented. Life is therefore uncertain for many people, which makes leadership much more risky.

With the coming of the information age the internet has connected the world together like never before. This new way of communication and doing business has brought change in a whirlwind fashion that has never been seen in history. Yet in the midst of all this change that has supposedly brought the world closer together, never have so many people felt so isolated from one another, disconnected from their roots, and unsure of their future.

This feeling of isolation for so many people has happened in large part because, as the world becomes more virtual, the skill of human relations is quickly becoming lost. Thus, never before has the skill of human relations been more valuable. In the near future, almost every person will have an e-mail address and every business will have a Web site. The only way you will be able to differentiate yourself and your business is by becoming exceptionally skilled at leading and persuading others.

In the industrial age of hierarchal organizations, big government, and traditional families the need for leadership was evident. We knew what the rules were and we needed the leaders to hold us to those rules. However, in the information age of internet based businesses, two career families, and the increasing irrelevance of government we no longer have a clear set of rules to follow. What’s more, the command and control leaders that try to hold people to seemingly arbitrary rules, are no longer successful.

What’s needed today are the type of leaders who can inspire and motivate others within this virtual world, while never loosing sight of the timeless leadership principles that never change.

An effective leader must be flexible and adaptable. A servant and not a slave to his or her partners. A distributor of power who is trustworthy, tough, and decisive.

The good news is, leadership is a skill that can be learned. While some leaders are born, everyone has the potential to become an effective leader. There is no one way to lead and there is no one personality type. Some leaders are quiet, and others are loud. Some are funny, and others are serious. And some leaders are tough, while others are gentle.

To become an effective leader you first have to ask yourself what personal characteristics you have that can be turned into qualities of leadership. Maybe you pride yourself on your persistence, on your finely honed logical mind, on your good imagination or creativity, or on your values. You have to work with what you have.

There are certain qualities that all true leaders have, and one of the most important is a vision of a better future. They try to make their vision, into the form of a dream, mission, or a goal. Leaders, because they rely heavily on other people are excellent at motivating other people. They never play off being a boss or being in an authoritative position, because they’re excited about the future and they want to share that vision. They don’t blame others for having a lack of vision, they blame themselves, not the people around them.

Leaders believe that each person is valuable, able, and responsible. Real leaders see leadership as a process for empowering people to see themselves is positive ways, as competent, productive, and important. They recognize the potential in others that mere mangers miss because the leaders are looking for it. They come into leadership roles knowing that empowerment is part of the political process that’s overlooked and under-used.

Leaders make good politics fashionable. Put all of your efforts into finding out what people see, and work to change that. If you do, you’ll have taken a giant step along the continuum toward positive politics. They view themselves favorably as valuable, contributing team members, not managers. The see a field of political equals, not subordinates to be dealt with.

Leaders expect to be role models, and they deliberately model the behaviors they want to adopt. What do others see? Do they see you behaving in ways you want them to copy? They know the Golden Rule is good business. Leaders treat people as they expect to be treated. They model the respect they expect in all personal and professional interactions with others.

Leaders recognize that each person has untapped skills that can be harnessed to achieve organizational goals, and at a profit. A leader must have the courage to look for hidden abilities, including those others managers have written off. Leaders do this by observing, monitoring, and most important, listening. They know they do not have to beat up on everyone to have it known that they are important. They greet people. They ask about families. They listen.

Leaders are aware that it’s not only what’s said but also how it’s presented that empowers people to be successful. Leaders are aware that each action has a consequence. They know that encouraging people to make work-related choices promotes independence. Independence results in job ownership and a sense of responsibility for productive quality.

Leaders consistently behave in positive and trusting ways. They never compromise their personal value systems, yet they recognize cultural diversity and respect differences among people. They empower people across the board. This means they don’t play favorites. Be fair, regardless of your personal feelings, and be seen and acknowledged as fair and even-handed.

Effective leaders do not start out their day with the question, “What do I want?” They start out by asking, “What needs to be done?” Then they ask, “What can and should I do to make a difference?”

They constantly ask, “What is the organization’s mission and what are it’s goals? What constitutes performance and results?” They tolerate diversity in people; they don’t look for clones of themselves. It rarely occurs to them to ask, “Do I like or dislike this person?” But they are intolerant when it comes to a person’s performance, standards, and values. And they are not afraid of strength in their associates. They relish in it.

In one way or another all effective leaders submit themselves to the “mirror test”: They make sure the person they see in the morning is the kind of person they want to be, respect, and believe in. This keeps them from doing things that are popular rather then right, and it keeps them from doing mean, petty, or sleazy things as well.

What leadership comes down to is that true leaders always behave like a leader, whether they make the right decisions or whether they make the wrong decisions because of their own mistakes. Leadership, ultimately, is less a matter of what you do than who you are. What you do may vary from day to day, but who you are should remain steadfast and unchanging.

It’s increasingly clear that drugs, gangs, illiteracy, poverty, crime, and the breakdown of the traditional family, put every aspect of society at risk. Leaders of the future realize, further, that government and social groups aren’t going to solve these problems. It’s not their fault; they need a broader network of helping hands. Everyone thus needs a sense of responsibility and stewardship for the community.

We also need to develop a similar sense of responsibility in young people. Begin by becoming a role model for your family. Are you serving the community in some way? Are you working to understand community problems to see how you can help solve them? Are you organizing service opportunities for the entire family?

Create a vision for a better society and help bring it to life!

Copyright© 2005 by Joe Love and JLM & Associates, Inc. All rights reserved worldwide.

EzineArticles Expert Author Joe Love

Joe Love draws on his 25 years of experience helping both individuals and companies build their businesses, increase profits, and achieve total success. He is the founder and CEO of JLM & Associates, a consulting and training organization, specializing in personal and business development. Through his seminars and lectures, Joe Love addresses thousands of men and women each year, including the executives and staffs of many of America’s largest corporations, on the subjects of leadership, self-esteem, goals, achievement, and success psychology.

Reach Joe at: joe@jlmandassociates.com

Read more articles and newsletters at: http://www.jlmandassociates.com

Home Working – 7 Secrets for Successfully Working from Home

Wednesday, April 29th, 2009

I have found that the key to being able to work happily and successfully from home is to create a strong structure for your working days.

If you work with other people, you are automatically part of a dynamic system which demands your participation. It may sound blissful to be away from the office politics and the constant interruptions, but it is difficult to achieve anything if it feels as though you are all alone and there are no consequences if you don’t get on with your work.

I have developed the following habits for building a structure for home working through trial and (much) error:

1. Have an established routine for starting your day. For example, after breakfast, browse websites you have found in magazine and newspaper articles or promotional material, have a look at your favourite newspaper’s site, log into your business bank account, and check your e-mails – suddenly you are into work mode without any pain!

2. Make your phone calls straightaway – speaking to other people will give you energy and will probably provide some deadlines or help to prioritise your work.

3. Make yourself part of a web of business associates which may include any or all of the following – clients, suppliers, sub-contractors, employees, people doing a similar job. The more you feel part of something outside yourself and your own home, the more motivated you will feel.

4. Go along to networking and training events – never think you ‘don’t have time’. Taking a break away from your desk will re-energise you and give you fresh ideas for tackling problems which seem insoluble if you keep going over and over them.

5. If it’s all getting heavy and too much like hard work – stop and do something you enjoy, preferably away from home. Go for a walk, get a coffee at your local cafe, meet a friend. When you come back, you will be in a totally different frame of mind and what was so difficult before will just flow.

6. You have the flexibility your office-bound friends are so envious of, so use it! Combine something you enjoy with a business errand – after a business meeting, have lunch out, do some shopping, have a walk in the park.

7. Remember that sometimes it is just really hard and you may feel overwhelmed. At times like this, refer immediately to point 5 above!

Judy Heminsley is a director of Andy Britnell Business & Personal Development Ltd, a training and coaching company based in the South West of England. She ran a successful small business for 12 years before selling up and using her experience to work as a business advisor with small business owners.

Visit http://www.andybritnell.co.uk and you can sign up for a FREE short monthly newsletter offering straightforward tips and food for thought to those in business.

Information on how coaching can help your business to succeed can be found at http://executive-coaching-for-business-growth.com/

Rising Into the End of the Year

Wednesday, April 29th, 2009

SPX rallied over 100 points from mid-October to late-November. Many, if not most, expected the beginning of a cyclical bear market last month. Consequently, heavy short-positions were taken, in October and November. However, it turned out, SPX rallied to 4 1/2 year highs, while a “short-squeeze” took place over the past week, extending the cyclical bull market. The rally may continue into the end of the year, although the market may consolidate short-term. Typically, steep rallies (without consolidations) lead to volatile consolidations or steep pullbacks. So, I expect a volatile week next week, and over the first week or two of December.

The first chart is an SPX daily chart that shows both RSI and ULT (an oscillator) are both over 70, which is rare for an index. Consequently, a pullback may take place within the next week. The two previous pullbacks (see circle) were both to the 10 day MAs. Currently, the 10 day MA is just over 1,243 and rising about five points a day. Other major support levels are 1,253 (multi-year Fibonacci level), 1,246 (previous four-year high), 1,235 (congestion area), and 1,227 (20-day MA, which is also rising sharply).

The second chart is an SPX monthly chart. SPX has generally traded between the middle and upper monthly Bollinger Bands over the recent bull market. On Wednesday, SPX rose above 1,270, which was slightly above the upper Bollinger Band at 1,268, and then pulled-back. So, 1,270 may be short-term resistance. The monthly Bollinger Band may rise above 1,280 next month. Consequently, it’s possible, SPX will rise to about 1,300 in late December or early January.

There are several factors driving the market. Negative sentiment tends to be a contrarian indicator and created the recent short-squeeze. Investment funds want a strong quarter to finish the year with the highest possible returns. Consequently, the best performing stocks this year may continue to rise into the end of the year for “window dressing.” Oil prices have stabilized between $56 and $59 a barrel after rising above $70, and a warmer than average winter may lower oil prices further. Expectation of a strong holiday shopping season, viewing economic data as “half full” rather than “half empty,” and a belief the Fed tightening cycle will be over early next year will contribute to keep the market high.

Charts available at PeakTrader.com Forum Index Market Overview section.

Arthur Albert Eckart is the founder and owner of PeakTrader. Arthur has worked for commercial banks, e.g. Wells Fargo, Banc One, and First Commerce Technologies, during the 1980s and 1990s. He has also worked for Janus Funds from 1999-00. Arthur Eckart has a BA & MA in Economics from the University of Colorado. He has worked on options portfolio optimization since 1998.

Mr Eckart has developed a comprehensive trading methodology using economics, portfolio optimization, and technical analysis to maximize return and minimize risk at the same time and over time. This methodology has resulted in excellent returns with low risk over the past four years.

Selling Skin Care, Consumer Report 75% of All Drugs and Cosmetics are Derived from Nature

Wednesday, April 29th, 2009

Cosmetic companies like Erno Laszlo, Estee Lauder and Lancome, train their sales associates to sell unsuspecting women hundreds of dollars of unnecessary skin care products.

SELLING SKIN CARE, TELLING LIES – 75% of all drugs and cosmetics are derived from nature.

One of the lies, which builds the sale, is that the eye area is too frail and delicate for your facial moisturizer. “Only an eye cream will work on the eye area”, another lie. “You must use our cleanser” in order to receive the full benefits of our moisturizer. “You won’t receive the full anti aging benefits if you don’t use the whole system”. All Lies.

Try cleaning your skin with baby shampoo, milk and sugar, equal parts. Want to look younger, add cornmeal to the cleanser. Acne a problem, add aspirin. Splash to rinse 10 times with very warm water. Need a toner, use Green Tea or Orange or Aloe Vera Juice. Moisturize with a vitamin e capsule or soy bean oil (vitamin e). For melasma or brown spots, an over the counter fade cream (under $10.00) twice a day after cleansing takes the place of an in office procedure.

Erno Laszlo won’t even sell individual items, they insist you use everything from Erno Laszlo, alcohol, mineral oil and petroleum based.

The news media won’t tell you that cosmetic companies like Erno Laszlo use, pore clogging petroleum and mineral oil and charge the consumer up to $100 a jar for sugar, castor oil and fragrance. Can you imagine being a writer for a magazine trying to tell the truth about their advertisers skin care products?

There is no market for the truth. Cosmetic companies use sugar or glycol acid in anti aging products because sugar penetrates the skin and the skin cell. This means, yes you can take a bath in sugar and you will look younger. Your skin will become more supple looking because the sugar plumps up the skin cells in your skin.

If a cosmetic company creates a chemical that penetrates the skin and the skin cell, it would be considered a drug, not a cosmetic and require a doctors prescription. Nature provides aspirin (salicylic acid), derived from a plant, the active ingredient in acne treatment skin care products, from Proactive and Erno Laszlo.

The grape seed extract in eye care products from Erno Laszlo and Estee Lauder, is Thompson Seedless Green Grapes and green tea is green tea. How can women spend so much money buying such inferior skin care,,just bad copies of natural ingredients (food).

Fruit acid in cosmetics are made from: apples, oranges, grapefruit, berries, all very good for your skin. Cosmetic companies make chemicals that mimic the action of fruit on your face. Honey contains a natural peroxide and is a great skin care treatment for dry skin.

Where can a woman go for a true education on her skin, not the department store cosmetic counter, they have lies for the consumer.

The media does not protect the consumer against cosmetic companies because they are afraid of offending their advertisers or even their shareholders. What about a book you say that exposes that fact that exfoliation with cornmeal will make your skin look younger and aspirin can replace a product sold only with a prescription. Same problem, who would publish the book, a publisher owned by corporation who owns a skin care company. Where would such a book be advertised?

Can you literally rub lines and wrinkes away with a wash cloth and water, yes. This is a very inexpensive treatment for getting rid of “crows feet”.

Aloe Vera smells really bad, but boy does it penetrate the skin without an rx. Natural ingredients like milk, sugar and aloe are synthesized preserved with chemicals and mixed into mineral oil and water for $65.00 from Erno Laszlo.

The same corporation that owns the skin care company, owns the newspaper, magazine, book publisher and television station. Did you know that garlic kills lung cancer cells in a test tube?

“SECRETS SKIN CARE COMPANIES & DERMATOLOGIST DON’T WANT YOU TO KNOW”

Nanci Holloway-Prince, has more than 30 years experience at the high end retail cosmetic industry. Former Business Manager for Christian Dior, Make Up Artist for Erno Laszlo, Estee Lauder, Elizabeth, Prescriptives, Revlon and Max Factor.

Holloway-Prince wrote a book after successfully getting rid of her melasma and her daughters acne. “Secrets Skin Care Companies & Dermatologists Don’t Want You to Know”. http://www.worlddome.com/skincare.html or http://www.worlddome.com/consumer-report.html

Writing Cover Letters for Resumes: It’s Essential For Your Success

Wednesday, April 29th, 2009

If you are sending resumes to employers, you need to be sure you are also writing cover letters for those resumes, too. Writing cover letters for resumes is not difficult, but it is necessary if you intend to make a great impression on prospective employers.

Cover letters are a prelude to the resume. They explain parts of the resume that might need clarification. They start the selling of YOU before the employer even gets to read your actual qualifications. They build up your credentials so that the prospective employer is already interested in getting to know you better.

Some resume experts do not believe that writing cover letters for resumes is important, but there is one thing for certain. It will never work against you. If an employer likes to read cover letters before reading resumes, then you are ahead of the other candidates for the position. If the employer does not care one way or the other, then you have lost nothing by including one.

A cover letter is a great way to prepare and excite the employer about what they will find in the resume. Don’t recite what is in the resume, but highlight certain elements of your character, your accomplishments and your background so that the employer is interested in knowing more about you.

There is one awesome thing about writing cover letters for resumes that makes them an essential part of your job search: you can target the job and the employer much better than by simply using a resume alone.

The cover letter should be personalized and directed to each company in which you are interested in working. Point out specific areas of the job that interest you. Explain why working for that particular company is of importance to you. When you add these elements into your cover letters, they will be read more thoroughly and you will be more likely to receive a phone call for a job interview.

There are some people who say that the resume gets read first, then the cover letter. Others say just the opposite. For you, it will not matter as your resume and cover letter will both be targeted to the position you are seeking. It does not matter which one gets read first. Employers like to have both, so you need to provide both.

Writing cover letters for resumes is what differentiates the best job candidates from the rest of the crowd. Yours should convince the employer to grant you an interview.

You can be the success you want to be by working hard and making the extra effort.

For information about a great cover letter guideline, read this: Cover Letter Guideline

Carla Vaughan

Carla is the owner of a Professional-Resume-Example.com, a web site devoted to assisting candidates in the job-search process. She holds a B.S. in Business from Southern Illinois University and has authored several books.

To read more about cover letters, follow this link: Cover Letters