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Top things to know

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In Lesson 8
How much house can you afford?
Glossary
Take
the test Top things to know
Are you ready to own?
Setting your budget
Picking a team
The hunt
Closing the deal
For sellers only
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Money 101 Lessons Setting priorities
Making a budget
Basics of banking and saving
Basics of investing
Investing in stocks
Investing in mutual funds
Investing in bonds
Buying a home
Controlling debt
Employee stock options
Saving for college
Kids and money
Planning for retirement
Asset allocation
Hiring financial help
Health insurance
Buying a car
Taxes
Home insurance
Life insurance
Estate planning
Auto insurance
401(k)s
1. Don't buy if you can't stay put.If you can't commit to remaining in one place for at least a few years, then owning is probably not for you, at least not yet. With the transaction costs of buying and selling a home, you may end up losing money if you sell any sooner - even in a rising market. When prices are falling, it's an even worse proposition. 2. Start by shoring up your credit.Since you most likely will need to get a mortgage to buy a house, you must make sure your credit history is as clean as possible. A few months before you start house hunting, get copies of your credit report. Make sure the facts are correct, and fix any problems you discover.3. Aim for a home you can really afford.The rule of thumb is that you can buy housing that runs about two-and-one-half times your annual salary. But you'll do better to use one of many calculators available online to get a better handle on how your income, debts, and expenses affect what you can afford.4. If you can't put down the usual 20 percent, you may still qualify for a loan.There are a variety of public and private lenders who, if you qualify, offer low-interest mortgages that require a down payment as small as 3 percent of the purchase price.5. Buy in a district with good schools.In most areas, this advice applies even if you don't have school-age children. Reason: When it comes time to sell, you'll learn that strong school districts are a top priority for many home buyers, thus helping to boost property values.6. Get professional help.Even though the Internet gives buyers unprecedented access to home listings, most new buyers (and many more experienced ones) are better off using a professional agent. Look for an exclusive buyer agent, if possible, who will have your interests at heart and can help you with strategies during the bidding process.7. Choose carefully between points and rate.When picking a mortgage, you usually have the option of paying additional points -- a portion of the interest that you pay at closing -- in exchange for a lower interest rate. If you stay in the house for a long time -- say three to five years or more -- it's usually a better deal to take the points. The lower interest rate will save you more in the long run.8. Before house hunting, get pre-approved.Getting pre-approved will you save yourself the grief of looking at houses you can't afford and put you in a better position to make a serious offer when you do find the right house. Not to be confused with pre-qualification, which is based on a cursory review of your finances, pre-approval from a lender is based on your actual income, debt and credit history.9. Do your homework before bidding.Your opening bid should be based on the sales trend of similar homes in the neighborhood. So before making it, consider sales of similar homes in the last three months. If homes have recently sold at 5 percent less than the asking price, you should make a bid that's about eight to 10 percent lower than what the seller is asking.10. Hire a home inspector.Sure, your lender will require a home appraisal anyway. But that's just the bank's way of determining whether the house is worth the price you've agreed to pay. Separately, you should hire your own home inspector, preferably an engineer with experience in doing home surveys in the area where you are buying. His or her job will be to point out potential problems that could require costly repairs down the road.

Easy Method To Burning Fat and Lowering Cholestrol

If you are trying to lose weight and/or lower your cholesterol, grapefruit should be a major staple in your diet. A normal size grapefruit is only about 74 calories. (leave off the sugar and try a little cinnamon)

The major benefits of this fruit are:

1. It contains 15 grams of pectin (this fiber is linked to lowering cholesterol and reducing fat).

2. It is high in viamin C and potassium.

3. It is fat free and contains no sodium.

Grapefruit is also rich in natural galactronic acid. This aids in lowering cholesterol and fat. It also battles against hardening of the arteries and the development of heart disease.

Before you add grapefruit as a major staple to your diet, check with your doctor to see if it ok. Grapefruit can cause a bad reaction when taking some medicines. (I’m on a cholesterol medicine that warns me not to use any grapefruit products.)

Over at WebMd, they explain in further detail ALL the benefits of grapefruit. If the doctor gives you thumbs up, head to the store and stock up, they last several weeks in the refrigerator.

Grapefruit is a product that can help you lose weight, lower cholesterol, and lower fat. It’s a great addition to anyone’s diet.

The Preemptive Strike Doctrine: A Necessary Evil

The Preemptive Strike Doctrine
Clear and Present Danger

If an individual, or the United States as a sovereign nation is aware of a building danger to security or safety, is the optimal plan to wait until it is a clear and present danger before dealing with it? Common sense would seem to dictate that the line separating danger and imminent danger is extremely fine, and that waiting is in no way consistent with the premise of either personal or national security.

As an individual you would work the problem through the system to try and contain it. As a nation facing entities and regimes that seek to inflict as much damage and destruction as possible on innocent men, women and children, the solution is more complex. And yes, this solution may in fact require the use of military force to take that threat out.

The Preemptive Strike Doctrine was put in place by the Bush administration in 2002 with the expressed purpose of giving the United States the right to protect, not only our citizens, but our allies around the world from the ever increasing threats that exist. It stated that the United States had the right to deal with a building threat to security in addition to a threat that presented a "clear and present danger" Unfortunately for all involved, because it was implemented by President Bush, it is a pariah that President Obama wants to eradicate.

Obviously, Iran is the textbook case for the fine line that we have to walk. There is a quickly building danger posed to world security by the Iranian nuclear program. Our "allies" in the fight to end or contain this threat, Russia and China, are not true allies. In fact, China and Russia have their own agendas, which will prevent them from taking any real action against this regime. China has a need for the Iranian oil to fuel its 6% plus economic growth. Russia has economic ties to Iran and is in fact helping them in building its’ nuclear infrastructure and missile defense system. This very missile defense system will make dealing with the nukes problem, when it does become a clear and present danger, that much more difficult to deal with. Is waiting for this point in the best interest of United States national security?

The Obama Doctrine

This apparent method of the Obama administration for dealing with threats to the United States and our friends around the world has become clear. Ominously clear. It is the idea of diplomacy first and second, with the implementation of sanctions and deal making together with our supposed allies to gain the help needed to deal with the problem third. The fallacy of this plan?

You cannot enter into substantive and valid negotiations with when the other party to those negotiations is a rogue regime with the stated goal of destroying our allies and the U.S. You cannot implement economic sanctions against a government who does not have the vested interests of its' own population at heart. Additionally, when your partners in imposing the sanctions will most likely not abide by them, this method of containing the threat will fail. China and Russia have clearly stated that they do not favor sanctions at this time.

At the same time, through the Obama Doctrine premise of appeasement, the United States has portrayed itself as the polar opposite of Bush. Weak and willing to give up most anything to achieve our goals in ways that will make them unachievable. We gave up missile defense in Poland and Czechoslovakia to appease the Russians with the understanding that they would back sanctions, and they did not.

Our allies in this fight against global threats, as well as Iran and North Korea, do not respect weakness, but they will take full advantage of it. For the Russians under acting leader Putin, they will get whatever they can from the United States, and in return most likely never come through on their side of the bargain. For Iran, they will play the game and dance the dance, stringing us along while continuing on the way to a nuclear capability.

What the Obama Doctrine does not seem to account for is that rhetoric, flowery speech and empty threats do not scare anyone. Anyone, except for those around the world who see it for what it is: “Clear and present danger" to the United States itself. In the end, those nations who live under a daily threat to security will be forced to take matters into their own hands, act unilaterally, and pay a price to ensure national security.

What the Obama Doctrine needs to account for is that in the world today, the emphasis has to be on a pragmatic approach to events, and not an approach designed to simply be "not George Bush." While the far left may endorse that, the rest of us will pay the price.

The Basics of Pricing Your Home

You probably already know how significant the listing price of your home can be. Price too high, and you scare away qualified buyers; price too low, and you get less money than you could have. We’ve written here at the Buy Owner Blog about the perils of poor pricing before, but let’s talk now about the way to do it right:

Determine Your Margin
One of the first factors you need to consider is equity. If you’ve been in your home for several years or if you put down a large down payment, you have a pretty good idea how much money you’d like to get out of the house when you sell. That number may be tainted by your financial situation, if, say, you’re in financial trouble and need to sell quickly, in which case it could be best to lower your price, even if you take a short-term loss. No matter what, you need to make sure you’ll get enough money out of your house to pay off the mortgage and find new living arrangements. In today’s market, in some areas, the upside-down nature of real estate could make this a difficult proposition.

Do Some Research
The local MLS and a quick online search can help you identify properties that are considered to be comparable to yours. If you want to sell your house quickly, price your home as the best deal on the market by setting your price lower than all similar ones in your area. By using Buy Owner, you’re already cutting the cost of commissions, so lowering your price should be possible to do without taking a significant hit to your profit.

A real estate appraiser can also help you price your home. Most buyers will need a recent appraisal in order to qualify for a mortgage on your home anyway, so it may be worth the small investment required to have the home appraised prior to putting it on the market. Any time you can sell your home “below appraisal,” you have a better chance of selling it quickly.

If you price your home and no one comes to see it, you may have priced it too high. Remember that one of the best reasons to sell by owner is the flexibility it allows, and you can always lower the cost of your home if activity is less than you desire or if offers come in significantly lower than your asking price.

Blood oxygenation appeared to be the key to surviving influenza A(H1N1) for patients suffering respiratory failure

WELLINGTON: Blood oxygenation appeared to be the key to surviving influenza A(H1N1) for patients suffering respiratory failure, new research showed on Tuesday.

The observational study, carried out by New Zealand and Australian flu investigators between June 1 and Aug 31 this year, showed most patients who experienced respiratory failure after contracting the influenza A survived if they were treated with extracorporeal membrane oxygenation (ECMO), a type of life support that adds oxygen to the blood, China's Xinhua news agency reported.

The study focused on 68 patients with severe influenza A associated acute respiratory distress, who received ECMO in 15 intensive care units across New Zealand and Australia.

"We looked at a number of factors associated with patients receiving ECMO, such as the incidence, degree of lung dysfunction, clinical features, technical characteristics, duration, complications, and survival," Auckland City Hospital's cardiothoracic intensive care specialist Shay McGuinness said.

"By doing this we have established the importance of ECMO as a treatment option for patients with severe influenza A(H1N1) associated acute respiratory distress.

"Despite the severity of their illness and the lengthy period of time on ECMO life support most of these patients survived," McGuinness said.

McGuinness said 54 of the 68 patients had survived and 14 had died. Six were still being treated in intensive care units.

"These findings are important to our colleagues all over the world and should be used to facilitate health care planning and clinical management for these complex patients during the ongoing pandemic," McGuinness said.

The study was due to be published in the Journal of the American Medical Association on Nov 4, but will be published early online because of the importance of its findings for public health. - Bernama

50 Weight Loss Tips

lost 30 pounds in three months. If you wanted to know how I did it, and how I intend on maintaining my current weight, then these 50 weight loss tips are for you. I’m not an expert, but I do speak from experience. If it helps you attain your own weight loss goals, then I’m happy to have helped (if only to serve as a reinforcement of knowledge you already possess). Most of this, I learned on my own or through close friends and family members. Feel free to add your own tips to this list, too!

If you want even more help, I now have an PDF eBook series available (with an affiliate program): get my diet weight loss ebook before you scoot away!

Dietary control and exercise. It’s true what they say - all you need to do is watch what you eat, and expend more energy than you consume. It’s really that simple. You can quit reading this list now, you now know everything you need to know and didn’t need to fork over $500 for the privilege of me telling you the secret of losing weight. You don’t need to read a 4,000 page book, you don’t have to buy a tape series, you don’t need to stay up late at night to watch infomercials to understand this basic premise. It’s 100% true.
Change your lifestyle. If you’re calling this a “diet,” then you’re going to gain all the weight back (and more) within a few months of losing it. Diets do not work. Diets are temporary. When you change your dietary lifestyle, however, you’re changing your habits - and you’re putting yourself on track for long-term / continued success and weight maintenance. Don’t ever tell anybody you’re on a diet - ever. I’m speaking from experience, here - a reformed low-carber. Worked out well for a while, but ultimately failed because my entire lifestyle didn’t change (permanently).
Join an online support group. In my case, I created my own - FatBlasters. It’s essential that you not feel alone, and reaching out to friends (new or old) is typically a smart move. I just heard about PeetTrainer, but didn’t know about it when I began down the road to weight loss. You have to know that others are out there for moral support - they know things that you couldn’t possibly know, and they’ve probably been “in your shoes” at some point in the past (or present). Share stories, laughter, tears, successes, and failures - share them. There are thousands of communities out there, so keep looking until you find the one that fits you.
Take before and after photos. I know it sucks to see yourself as a chunky monkey (sorry, that’s what I called myself - if only to get myself motivated to meet my weight loss goal). However, there’s no easier way to illustrate your progress. The “after” photos are far more fun to capture and share, admittedly. Find yourself on Flickr! It’s good to see yourself how others see you. Do you like how you look? In many ways, Flickr helped me lose weight.
Hire a substitute teacher. Don’t reach for the brands you know and love immediately - or without thinking first. Eggs are “good” for you, but consider using egg substitutes instead (in fact, many restaurants will let you order lower calorie foods). There are countless “lower” alternatives for you to try. If something different doesn’t taste good, by all means - find a better substitute, or eat less of the original. In some cases, the substitute may be worse for you than the regular version of the product. The good news is, healthier choices are silently replacing their “normal” counterparts - and they taste just as nice.
Start reading labels. I know it sucks, but you have to do it - and there’s no way to avoid this tip. If you don’t know what you’re putting in your mouth, you’re flying blind. Don’t assume, either - triple-check the ingredients list and serving sizes. You must rely on yourself for this; nobody else is going to be able to lose the weight or do the math for you. It’s not that complicated a task, but it will require effort. If nothing else, just pay attention to the calorie count.
What’s so funny about bovines? If you like cheese, you must buy the Laughing Cow brand, and keep several of the suckers in stock at all times. The individually-wrapped wedges make for excellent snacks, and are wonderful when melted over just about anything edible. I’d be careful about straight-up American cheese, though - it’s oil, but not necessarily as good for you as (say) a slice of cheddar would be. I have yet to find something as calorie-light and filling as Laughing Cow (I don’t know how they do it).
Tell your family. You’re not going to lose the weight alone, even if you ARE alone in losing the weight. If you’ve got a family at home, talk to them about it - initially, not incessantly. Let them know what you’re going to do, and that you want (and need) their support. If you don’t let them know, you’re running the risk of them inadvertently sabotaging your efforts. You want them to help you get to your goal(s). You want them to share in your happiness when you’ve made it past a certain mark. Who knows? Maybe some of your new habits will rub off on them and they’ll become healthier people, too?
Go public. I didn’t want to admit that I had screwed up, but admitting the problem in public was the first step on the path to eventual success. I was now accountable for my actions, and all my friends knew what I was doing. There was no turning back, otherwise I’d be risk damaging my integrity. I didn’t want to disappoint the people who read me on a regular (or semi-regular) basis. Plus, it’s an easy way to find out which of your friends have gone through the process before - and glean tips from their own experiences. Then, other friends might become inspired to do the same thing you’re doing once they see that you’ve taken the first step.
Identify your exercise. No exercise was created equal. You might like running, so run. You might like jogging, so jog. You might like stationary bikes, so bike stationarily. Find the one that works best for you - that isn’t too much of a chore for you to do regularly throughout the week. Don’t pick a routine that you don’t like - or you won’t want to do it, and you certainly won’t stick with it for long. I also wouldn’t recommend buying into that whole “no pain, no gain” mantra. I’ve lost weight without hurting myself, and you probably can, too.
Become a Gazelle. You’ve probably seen Tony Little on TV, selling his Gazelle glider - a low impact exercise machine. I can tell you: it works. It’s easy on my legs, and really gives me a workout when I apply myself on it. Some people say it’s awkward to use, but I love mine - and would consider recommending no other home exercise equipment at this point. Then again, I’m a wimpy geek who only wants to burn calories.
Zone out. There’s a reason why people exercise to their favorite music - listening to external stimulus takes your mind off of the physical activity. That’s the secret to making “exercise time” fly. If you’re concentrating on what your body is doing, the session is going to drag on for what will seem like days. Buy a portable music player, or situate yourself in front of a television.

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Never count on live programming. It’s important to stimulate your mind while your body is exerting itself in other ways. However, never rely on “what’s on TV or the radio” at the time. Instead of zoning out, you’ll find yourself flipping between channels - and that’s going to make the time drag as much as it would if you weren’t keeping your mind busy in the first place. “Live” is a very bad idea. Go with pre-recorded programming or go without.
Video games helped me lose weight. I can keep my balance on the Gazelle (which some might find difficult to do). As such, I plugged an Xbox 360 into the TV and started to play it while I was working out. Immediately, I found that I was sweating more than I was when I was only watching TV passively! The reason boils down to a single word: adrenalin. Now, the only way I’m able to work up a sweat is when I play a fast-paced game on the game console. Yes, even game genre is important; avoid any diversions that require long pauses between tasks. Racing games (like Burnout) have worked very well for me. The more mindless the game, the better your burn, the faster the exercise session will go.
Set realistic goals. You can lose 50 pounds in a week if you work out 12 hours a day and eat nothing but celery - but not if you’re human. Slow and steady wins the race. Don’t bite off more than you can chew - literally. Make small goals on your way to the bigger goal(s). In the end, you’ll have achieved more (and more frequently, might I add).
Avoid trans fats and high fructose corn syrup. I offer this suggestion for a few reasons. First, they’re not good for you anyway. Second, you’ll eliminate a lot of the “bad foods” outright - no questions asked. You’ll have to become more selective in what you eat by avoiding these two nasty ingredients - which are in more foods than you probably care to know.
Don’t always listen to your mate. I’ve already suggested that you tell your family - but sometimes members of your family will try to dissuade you from trying to lose weight. It’s simple: they might not want you to succeed where they may have already failed, whether consciously or inadvertently. Your loss is not always their gain. Watch out for statements like: “You’ve lost enough weight.” or “I like you just the way you are.” Fact of the matter is, if YOU don’t like the way that YOU are - then YOU are going to have to do something about it, no matter what anybody says. They still love you, though (in theory).
Don’t compare yourself to others. Every body is different. It stands to reason that everybody will lose weight differently. Even if you do the exact same things that I do, you won’t lose weight at the same rate. The key is in finding your triggers. Keep your goal in sight, and do whatever you have to do to meet that goal. When you start looking at someone else’s habits, you’re only going to become discouraged and quit without even realizing that it’s physically impossible to be anybody but yourself.
Women aren’t men. It’s been proven that men can lose weight more rapidly than women can, which is likely due to our physiological makeup (women are supposed to have more fat than men, because they’re the birthing gender). This isn’t a sexist statement to make - it’s pretty much the truth. As such, females should expect to set separate goals than males - especially if you’re working on losing weight together, side by side.
Take a magic pill. Nonsense! There is no such thing as a magic pill. Don’t fall victim to the hype of the latest fat-burning drug commercial. If you listen or read closely, you’ll see that every single one of these things is effective when combined with proper diet and exercise (which they even state in their advertisements). The side-effects for these drugs are usually worse than your additional weight, anyway.
Vitamins are good for you. If you’re going to take any pills, let them be natural supplements (like Essential Fatty Acids or multivitamins). Be careful about overdoing it, though - especially with herbal remedies. Too much of anything is a bad thing. You can consult a nutritionist, but always buy on your own - and keep these supplements to a minimum. Remember, too, that specific vitamins are no good without specific minerals.
Deck your desktop. In the beginning, some of my friends sent me complicated spreadsheets to help chart progress. Uh, no - not for me; I’m the kind of guy who likes taking the easy route. As such, I scoured the Web for the best desktop tool and remembered CalorieKing. You won’t find anything easier to use. Trust me, this is the one; I can keep track of everything I eat and expend (without hassle). While the statistic-addicts will love CalorieKing for its thoroughness, the utility was truly designed with non-geeks in mind. The CalorieKing Web site and service are fine on their own, but the downloadable client is what you really want to get. Pay the registration fee, man - how much is your health worth to you?
Identify your ideal weight. If you’re 5′5″ with a certain build, there’s an ideal weight that matches your body type. Find it - and make that your goal. And if you don’t know what that might be, try searching the Web for a calculator (though results and calculations will vary by a small margin). Now you have a weight goal to shoot for.
Consider the source. I’m going to make a gross generalization here, but… why would I trust an overweight doctor or nutritionist to give me proper advice on weight loss? “Do as I say and not as I do” is not a maxim I’m willing to accept from anybody who would be qualified to tell me how to do something. Talk to people who are doing it, or who have done it and been successful. You don’t have to mirror their regimen, but at least you’re getting help from someone who’s really been there. Or, as they said in the Christmas episode of “Two and a Half Men,” people who live in fat asses shouldn’t throw waffles.
Ignore Ronald McDonald. You don’t have to eliminate fast food completely, but you should avoid it at all costs. Most of it is nasty, bad stuff anyway - if you’d even go as far as to call it food. If you’re looking for convenience, find a more convenient meal source. Besides, most of what they serve would be considered “food product,” not food. There’s a gigantic difference as far as your body is concerned. Your bloodstream does not have taste buds, need I remind you?
Scale up. If your measurement tool sucks, upgrade it. If it’s analog, dump it. I’ve talked to many geeks about their choice in scales, and most of them (myself included) recommend something in the Tanita family. They’re high-quality, rugged, accurate devices. Make sure you set your scale on a hard surface, too (as carpet foundations do not make for accurate weight measurements).
Watch your weight. Some people say that you shouldn’t weigh yourself more than once a week. I’ve been much happier charting my progress every day. No matter what, you need to weigh in at the same time, every time. For me, that’s 10am every morning (or somewhere thereabout). If you decide to weigh yourself every single day, understand that your weight will fluctuate by one or two pounds - and that you should only keep a serious eye on the lengthier trends.
One pound a week. If you’re not losing at least one pound a week on your chosen weight loss regimen, you’re (a) stalled, or (b) finished. You might need to push yourself even harder, or (in some cases) let up a little bit while your body plays catch-up. If you lose more than one pound a week, then you’re doing better than average. Expecting to lose five pounds a week just isn’t realistic, though.
Maintain your priorities. Sure, your sandwich would taste amazing with an extra tablespoon of mayonnaise… but do you really need it? Rather, is it more important for you to reach your weight loss goal quicker - or have this sandwich taste marginally better? What’ll happen the next time you’re faced with this decision - will you cave again? It’s a slippery slope; don’t lose sight of what’s most important to you.
All weight is not equal. Muscle weighs more than fat, but the last thing you want to lose is muscle! For this reason alone, it’s important to have a regular exercise routine somewhere in your schedule. Without exercise, your body is going to burn through muscle first - and you’ll wind up more imbalanced than you were to begin with. You want your body to burn fat, not muscle. You want to lose weight, but you want to lose “fat” weight - not muscle mass.
Counteract the “Rainy Day” principle. If you decrease your calorie count without necessarily increasing your physical activity level, your body is going to crash. It’s going to say to itself: “Holy sh*t! I better store these calories as fat, because I’m not getting enough of them - and I don’t want to die.” When you exercise, you set your body’s process to “burn” instead of “save.”
Don’t overdo it. If you change something in your lifestyle, you’re probably going to see results - but there’s a law of diminishing returns at play. You can exercise for an extra hour a day for a week and still lose the same amount as you had when you were only exercising half as much. Give your body time to adjust - don’t push yourself too hard or you’re just going to spend your energy on something that’s not necessarily going to give you immediate and direct benefit. This, of course, only applies to those of you wanting to lose fat - not for those who are training for a triathlon.
Patterns are good. Once you’ve found your workout groove, do your best to stick with it. Exercise no less than three times a week for 40 - 60 minutes each time, but don’t feel the “need” to do it more than five times over a seven day period. Your body will likely appreciate a burn-off in the morning more, but if you need to relieve stress in the evening - don’t be afraid to adjust your workout schedule accordingly. Schedule making and keeping are important for other areas of your life as well.
Sleep it off. To be an efficient fat-burning machine, your body requires at least eight hours of sleep a night. If you think that you’re doing yourself a favor by sleeping less, you’re mistaken. Give your body time to rest itself, both mentally and physically. Sleep is very, very important (if only for mental alertness for the following day). If you feel tired, that’s likely your body’s way of saying: “Shut your eyes, stupid!”
Remember that the fork is not a shovel. I eat fast (I swear I can’t help it). Even if I’m not hungry, I want to shovel everything into my mouth in less than a minute. But my brain doesn’t know that my stomach is full until twenty minutes after it actually is. As such, I could stuff myself silly before realizing I didn’t need to consume as much as I did. Try eating half of what’s on your plate, wait ten minutes, then continue to eat if you’re still hungry. You never want to feel full - ever. That’s when you know you’ve eaten too much. If you want a real hunger-stopper, try an Omega 3 and Omega 6 supplement (EFAs) twenty minutes before a meal.
Become your own snack fairy. It’s okay to snack between meals, really. Small meals throughout the day are enough to keep you satisfied, as (much like the sensation of being full) you never want to feel hungry. Let your body know it’s going to get a regular regimen of calories. Plus, if you starve yourself for the regular meals, you’re probably going to eat more before your brain tells your mouth to stop. Think about it: breakfast, lunch, and dinner are social constructs at their very core.
Love the oil companies. Just like your car needs high-quality oil, so too does your body. Not all oils were created equal, though it’s hotly contested which ones are better for you than others. Personally, I love a good olive oil - it’s 100% natural and is rich with Omega 9 fatty acids. Enova is another one that we’ve found to work quite well in our lifestyle at home. Choose your oil wisely, though - your weight loss goal should be more than simply cosmetic. It’s a good rule of thumb when it comes to food: the more natural something is, the better it is for you.
Fat is where it’s at. If you think you can lose weight and keep it off by avoiding all fats, you’re sadly mistaken. In fact, if you think that low fat eating is the only way to go, you might as well just quit now. Your body (and your brain) needs fat to survive! This is why the scientists call “them” essential fatty acids - Omegas 3, 6, and 9. These fats have been stripped from many supermarket shelf items, and it’s your responsibility to put fat back into your dietary plan. Don’t avoid eating fat, embrace it - equally.
Bring balance to the force. If you eat the same foods over and over again, you’re going to get bored - unless they’re foods you really, really like. Feel free to change it up - keep your tongue happy. Balance carbs with proteins with fats, though. If you have more of one nutrient for one meal, try more of another nutrient for the next. And for heaven’s sake, don’t just shop in the “diet” section of the store. You can still (likely) eat the same things you’ve always eaten, just not so much of them at any one time.
Know your daily calorie limit. When I was in the process of losing weight, it was suggested that I stay under 1700 calories a day. Knowing that number was half the battle. I could eat anything I wanted throughout the day, so long as I would stay at or beneath that number. While I couldn’t track 100% of the items I ate, I was able to make intake estimates - and adjust my schedule and ration my remaining calories accordingly. In this sense, you’re given extreme freedom - so long as you stay at or beneath that suggested calorie level for your plan. If you don’t know how much you’re supposed to take in, how are you supposed to know how much you’re supposed to take in?! Sounds redundant, but it’s a situation that many “dieters” are in (which is why they fail)!
Fiber good. When you start to lose fat, you’re probably going to get constipated. Yeah, it happens more frequently than we care to admit (or share). You should have a good amount of fiber every day, anyway. Fiber is very important to your health (and your weight loss goals). Try the Metamucil snack wafers for a quick fiber infusion. Then, magnesium citrate for those… “stuck” moments, in which you’ll find yourself from time to time. Stick a bottle or two of that in your fridge for safe keeping, and don’t plan on going anywhere for 24 hours after taking a dose (trust me, trust me, trust me).
Walk the walk. You burn calories when you walk, did you know that? Certainly, you don’t expend as much energy as you do when you run, but you burn it nonetheless. Consider picking up a good pedometer, if only to gauge how many steps you take in the average day. According to others, the Omron HJ112 Premium Pedometer is the one to beat. If nothing else, knowing how many steps you take on the average day will give you a better idea as to your regular activity level - around the home and/or the office. Plus, you can count those steps as calorie deficits in certain programs (like CalorieKing).
Train wrecks will happen. One of these nights, you’re going to go out with friends and eat your weight in steak (likely blowing any kind of progress you had made for that day). Instead of repeating the overindulgence, just put yourself back on track the next day. You’re allowed to “mess up” every now and again, so long as you don’t make a habit out of consuming an excessive amount of food. Right the dining injustice immediately. You’ll be okay. You’ll be fine. Just don’t do it again. And again. And again. And again.
Satisfy cravings with extreme prejudice. If you’re hungry for something, eat it. Don’t deny yourself the simple pleasures. If it’s possible, eat only half of what you want. Is your craving satisfied, or are you addicted to the flavor? Losing weight shouldn’t be torture for anybody. You have to ask yourself: Is it more important for me to eat this entire case of fudgesicles, or to look good for my brother’s wedding? Only you have the answer to that question, and if you ignore logic, you’re going to hurt yourself in the long-run. Just take a nibble or two - I won’t tell a soul.
Water you waiting for? If you’re not drinking enough water, your body will let you know. Thirst is an amazing sensation - quench it. If you’re not hydrated, your body won’t be working at peak levels. Most of your body happens to be water, by the way. If you’re worried about “water weight,” remember that you’re likely to retain more water when you’re not giving your body enough of it in the first place. Besides, that’s what those workout sessions are supposed to help with every other morning. I’m not going to dictate how many glasses you should drink, though - as that’s going to vary from person to person.
Join the soda club. Like most people, I love carbonated beverages. However, unlike most people, I love unflavored carbonated beverages - and if your tongue is attune to sugary-sweet drinks, you’re also the kind of person who believes that club soda tastes salty (even when it contains no sodium). Make the move to an unflavored drink sooner rather than later. If you need help along the way, lemons and limes can be your best friends. If you’re going to drink something more than water, at least make sure it’s not going to hinder your progress. If you’re a sugary-soda drinker, dropping it from your daily routine altogether will help you drop ~5 or more pounds in a single week (WITHOUT doing anything else).
Sugar is evil that tastes good. You probably don’t want to hear this, but sugar is a bad thing. The more refined it comes, the more your body is going to react negatively to it. Sugar, sugar, sugar is in everything, everything, everything. If it’s sweet, it’s got sugar in it. There are all sorts of sugars out there, and all of them are ultimately metabolized by the body. It’s a good bet that the sugars in an apple are better for you than the sugars in a candy bar, though. If you’re addicted to sugar, this is going to be a horrible hurdle to overcome.
Sugar substitutes are just as evil as sugar itself. Do you really think your body knows how to handle something that was man-made? Seriously. These chemically-adjusted products do not occur in the wild; there are no Splenda trees in warmer climates, nor are there NutraSweet plants in the Arctic. In some instances, taking in sugar substitutes may actually increase your levels of hunger! Let’s not forget about all the health issues that might arise from these unnatural substances. If you’re given a choice, it’s almost better to go with something your body knows how to deal with (real, unprocessed sugar). No, it’s much safer (and healthier) to stay away from blue, pink, and yellow packets entirely. Do a Web search for “Artificial Sweeteners May Damage Diet Efforts.” Then sit there and tell me they’re okay? No way.
White bread can’t jump. Did you know that white bread isn’t good for you? Oh, it’s true - just ask any diabetic. Research has shown that people who eat more refined products (like white bread) are more likely to have belly fat. Why? It’s simple: your body isn’t getting what it needs. The food industry isn’t the health industry, okay? You can’t trust that they’ve got your best interests at heart (despite all their marketing efforts). If you want the flavor of white bread, please eat the whole grain white bread instead? Sara lee makes a wonderful loaf, as I can personally attest (even though I like rye more than white or wheat). Repeat after me: whole grain white bread, whole grain white bread.
Hasta la pasta, baby. Much like its cousin, white bread, refined pasta can damage your health and pinch your weight loss plans. I’m not saying you should quit pasta altogether, but I will suggest that you change your pasta pusher to Barilla. They have a new wheat pasta that’s a dead ringer for the ol’ crappy white stuff you used to eat. “Barilla PLUS” is absolutely fantastic, as well as a good source of fiber and protein. You’re usually going to be better off with a “wheat” option, although traditional wheat pasta has a texture that you might not like (even though I find it perfectly acceptable to my palate).

Now, once you’ve achieved your weight loss goals, what are you going to do to keep the fat at bay? The worst thing you can do is something I’ve done countless times over: get lazy. I’ve conveniently forgotten about all of the aforementioned rules a few times, and it’s put me back in the same situation I don’t want to be in - ever again. While I don’t have to be as careful as I was during the weight loss period, I’m still measuring myself and recording my daily activities. This may turn into a weekly weigh-in soon enough, as it’s easier to correct yourself at 5lbs than it is at 50lbs. Good luck!

Financial Sources

Financial Sources (FinancialSources.info) is a Subject Tracer™ Information Blog developed and created by the Virtual Private Library™. It is designed to bring together the latest resources and sources on an ongoing basis from the Internet for financial resources which are listed below. We always welcome suggestions of additional sites and resources to be added to this comprehensive listing and please submit by clicking here. This site has been developed and maintained by Marcus P. Zillman, M.S., A.M.H.A.; Internet expert, author, keynote speaker, and consultant. His latest white papers include Searching the Internet, Academic and Scholar Search Engines and Sources, and Knowledge Discovery Resources 2009. All of his Subject Tracer™ Information Blogs and his white papers are available from WhitePapers.us.

His latest monthly column is available by clicking here. Subscribe to his free monthly Awareness Watch™ Newsletter. Learn more by clicking here. Free online streaming tutorial videos on searching the Internet by Marcus P. Zillman, M.S., A.M.H.A.; available by clicking here.

Financial Sources Subject Tracer™ White Paper link compilation was the feature article in the August 23, 2008 edition of LLRX and is available in HTML by clicking here.

This Financial Sources Subject Tracer™ Information Blog is divided into the following sections:

CORPORATION CONFERENCE CALLS SOURCES
FINANCIAL SOURCES
FINANCIAL SOURCES SEARCH ENGINES
VENTURE CAPITAL SOURCES
Current Subject Tracer™ Information Blogs

CORPORATION CONFERENCE CALLS SOURCES

BestCalls - The Internet's Conference Call Directory
http://www.bestcalls.com/

Business Wire
http://home.businesswire.com/

CCBN/Thomson
http://www.ccbn.com/

Full Disclosure
http://www.fulldisclosure.com/

Institutional Investor Corporate Conference Calls
http://www.institutionalinvestor.com/default.asp?Page=8

PR Newswire
http://www.prnewswire.com/

Q1234.com
http://www.q1234.com/en/index.html

Raging Bull
http://ragingbull.lycos.com/

Thomson Street Events
http://www.StreetEvents.com/

Vcall
http://www.vcall.com/

Wall Street Horizon - Earnings Calendar
http://www.wallstreethorizon.com/

Yahoo! Current Day Conference Calls
http://biz.yahoo.com/cc/

FINANCIAL SOURCES

10k Wizard: SEC Filings
http://www.10kwizard.com/

ABA - Business Law - Committee on Cyberspace Law
http://www.abanet.org/dch/committee.cfm?com=CL320000

A Guide to the Recent Financial Crisis in the U.S.
http://libguides.colostate.edu/financialcrisis

American Association of Individual Investors
http://www.aaii.com/

American Banker Online
http://www.americanbanker.com/

American Express Financial Advisors
http://snipurl.com/601b

American Stock Exchange
http://www.amex.com/

Analysis of Federal Reserve Flow of Funds Accounts
http://www.capital-flow-analysis.com/

Annual Reports
http://www.AnnualReports.com/

AOL - Finance
http://finance.aol.com/

Bank of Ireland Global Markets
http://www.bankofireland.ie/html/gws/capital_markets/treasury/index.html

Bank Rate Monitor
http://www.bankrate.com/brm/default.asp

Barron's Online
http://www.barrons.com/

BestCalls - The Internet's Conference Call Directory
http://www.bestcalls.com/

BigCharts - Stock Charts- Stock Screeners- Research Tools
http://bigcharts.marketwatch.com/

BizStats - Comprehensive Business Statistics, Financial Ratios & Benchmarks
http://www.BizStats.com/

Bloomberg
http://www.bloomberg.com/

BudgetPulse - Simple Online Money Tracking and Budget
http://www.budgetpulse.com/

BusinessFinance - America's Business Funding Directory
http://www.BusinessFinance.com/

Business Intelligence Resources
http://www.BIResources.info/

Campbell R. Harvey's Hypertextual Finance Glossary
http://snipurl.com/601p

Capital Numeric Forecaster
http://www.capitalnumeric.com/

Chart of the Day - Insightful Stock Market and Financial Related Charts
http://www.chartoftheday.com/

Chicago Mercantile Exchange - CME
http://www.cme.com/

C-Loans Commercial Mortgage Lender Databank
http://www.c-loans.com/

ClosingPrices.mobi - Daily Closing Prices Direct To Your Mobile Device and Cell Phone
http://www.ClosingPrices.mobi

CNN/Money
http://money.cnn.com/

Commercial Finance Information
http://www.cfa-commercial.com/

Commercial Mortgage Leads
http://www.commercialleads.net/

Commercial Real Estate Loans & Structured Finance Blog
http://commercialloans.blogs.com/

Comtex SmarTrend Alert
http://www.mysmartrend.com/

Confused.com - UK Financial Comparison Shopping Sites
http://www.confused.com/

Corporate Financials Online
http://www.cfonews.com/

Credit Card Menu
http://www.creditcardmenu.com/

CreditCards.com - Compare Credit Card Offers
http://www.creditcards.com/

CreditCardXPO - Find Credit Card Applications Online
http://www.creditcardxpo.com/

Creditworthy Business Credit
http://www.creditworthy.com/

Current Awareness Monitors, Alerts and Information Traps for 2008
http://www.eCurrentAwareness.com/

Daily Stocks
http://www.DailyStocks.com/

DirectoryAccounting.com - Accounting Web Directory
http://www.DirectoryAccounting.com/

Dow Jones
http://www.dowjones.com/

DTN.IQ - Streaming Real-time Stocks, Futures and Option Quotes, and Breaking News
http://www.dtniq.com/

eCommerce Resources Subject Tracer™ Information Blog
http://www.eCommerceResources.info/

eco5.com
http://www.eco5.com/

Econometrics Links
http://www.feweb.vu.nl/econometriclinks/

Economic Recovery
http://www.EconomicRecovery.gov/

EDGAR Index - SEC Filing Directory and RSS Notification Service
http://www.edgarindex.com/

EDGAR Online
http://www.edgar-online.com/

eFinance
http://www.efinance.com/

Emergency Economic Stabilization Act and Troubled Asset Relief - TARP
http://www.treas.gov/initiatives/eesa/

Emerging Markets Finance and Trade
http://www.mesharpe.com/mall/results1.asp?ACR=REE

Equis International - MetaStock Software, Technical Analysis, Charting and Financial Tools
http://www.equis.com/

euromoney
http://www.euromoney.com/

Euronext
http://www.euronext.com/

European Economy News
http://ec.europa.eu/economy_finance/een/index_en.htm

Federal Reserve Districts
http://www.federalreserve.gov/otherfrb.htm

FedSpending.org
http://www.FedSpending.org/

FinAid! - The Smart Student Guide to Financial Aid
http://www.finaid.org/

Finance News for IT Managers
http://www.internetnews.com/fina-news/

Finance Resources on the Web
http://pages.stern.nyu.edu/~igiddy/

Finance Site List
http://www.cob.ohio-state.edu/fin/journal/jofsites.htm

Financial Calculators
http://www.mortgageloan.com/calculator/

Financial Data Finder
http://fisher.osu.edu/fin/osudata.htm

Financial Directory
http://www.financialdirectory.ws/

Financial Economics Network
http://www.ssrn.com/FEN/index.html

Financial Engines
http://www.FinancialEngines.com/

Financial Management - Scholarly Research in Finance
http://www.blackwellpublishing.com/journal.asp?ref=0046-3892&site=1

Financial News Online
http://www.efinancialnews.com/

Financial Step
http://www.financialstep.com/

Financial Technology Network
http://www.financetech.com/

FIND - UK Financial Websites
http://www.find.co.uk/

FINVIZ.com - Stock Market Screener, Charts, Quotes, and Financial Visualizations
http://finviz.com/

FINWeb
http://www.finweb.com/

FreeEDGAR: Free Real-Time SEC EDGAR Filings
http://www.freeedgar.com/Search/BeginSearch.asp

FreeRealTime Start Page
http://quotes.freerealtime.com/

fResource - Global Fundraising Resources
http://www.fresource.info/

FSTC: Financial Services Technology Consortium
http://www.fstc.org/

FT.COM: Global Financial Crisis In Depth and Continuous Coverage
http://www.ft.com/indepth/global-financial-crisis

FuturesBoard
http://www.futuresboard.com/

FX-Agents
http://e-aec.stanford.edu/projects/fxagents.htm

Giddy.org - Giddy's Web Resources in Finance
http://www.Giddy.org/

Global Financial Data
http://www.globalfindata.com/

Global Stock Trends
http://www.globalstocktrends.com/

Google™ Directory - Business - Financial Services
http://directory.google.com/Top/Business/Financial_Services/

Google Finance
http://finance.google.com/

Grant Resources
http://www.GrantResources.info/

Grant Street Group Financial Auctions
https://www.grantstreet.com/

Grisbi - Personnal Accounting Application
http://www.grisbi.org/

Grism - Open Source Stock Market Observation Tool
http://www.grism.org/

GuruFocus - Stock Picks and Market Insights of Warren Buffett and Other Guru Investors
http://www.gurufocus.com/

Hedge Fund Reports
http://snipurl.com/254ty

Hoover's Online - The Business Information Authority
http://www.hoovers.com/

How the Financial World Goes Round - A Primer on Financial Information Resources By Dave Dixie
http://www.freepint.com/issues/180506.htm#feature

IFC - International Finance Corporation
http://www.ifc.org/

IMF Dissemination Standards Bulletin Board
http://dsbb.imf.org/Applications/web/dsbbhome/

IMF: Financial Market Update
http://www.imf.org/external/pubs/ft/fmu/eng/index.asp

INO - The Web Center for Futures and Options
http://quotes.ino.com/

Inside Wall Street
http://www.insidewallstreet.com/

Insure
http://www.insure.com/

International Research Journal of Finance and Economics
http://www.eurojournals.com/finance.htm

International Review of Finance
http://www.blackwellpublishing.com/journal.asp?ref=1369-412X

International Treasurer
http://www.intltreasurer.com/

Investing in Bonds
http://www.InvestingInBonds.com/

Investment FAQ
http://invest-faq.com/

Investment Wizard
http://www.investmentwizard.com/

Investools
http://www.investools.com/

Investopedia
http://www.investopedia.com/

Investor's Clearinghouse from the Alliance for Investor Education
http://www.investoreducation.org/

InvestorGuide.com - The Leading Online Guide to Investing
http://www.investorguide.com/

Investor Links - Financial Directory
http://www.investorlinks.com/

Investor's Business Daily
http://www.investors.com/

InvestorWords.com - Investing Glossary
http://www.investorwords.com/

InvestorVillage - Where Serious Investors Connect
http://www.investorvillage.com/index.asp

INXS Technologies - Complex Yet Simple Financial Applications
http://www.inxsasia.com/

IRIN - Annual Report Resource Center
http://www.irin.com/

Japan Financials
http://japanfinancials.com/

JSE Securities Exchange - South Africa
http://www.jse.co.za/

Journal of Corporate Accounting & Finance
http://www.wiley.com/WileyCDA/WileyTitle/productCd-JCAF.html

Journal of Internet Banking and Commerce
http://www.arraydev.com/commerce/JIBC/

JP Morgan Markets
http://www.jpmorgan.com

Kiplinger - Trusted Financial Advice
http://www.kiplinger.com/

Lendicom - Commercial Mortgage Online Tools and Submission/Pipeline Management
http://www.lendicom.com/

Lending Tree
http://www.LendingTree.com/

LinkSViewer - Visual Network Analysis Research Engine
http://linksviewer.com/home/

London Stock Exchange
http://www.londonstockexchange.com/

Map of the Market
http://www.smartmoney.com/marketmap/

Market Center
http://www.MarketCenter.com/

Market Intelligence Resources 2008
http://www.MarketIntelligenceResources.com/

Market News International
http://www.MarketNews.com/

Marketocracy - Finding the Best Investors in the World
http://www.marketocracy.com/

Market Vector
http://www.marketvector.com/

MasterCard®
http://www.MasterCard.com/

MFFAIS - Mutual Funds Facts About Individual Stocks
http://www.mffais.com/

Microfinance Business Research Guide from Lippincott Library
http://gethelp.library.upenn.edu/guides/business/microfinance.html/

Microfinance Gateway
http://www.microfinancegateway.org/

Money.co.uk - Compare Loans, Credit Cards, Mortgages, Car and Home Insurances
http://www.money.co.uk/

MoneyExtra
http://www.moneyworld.co.uk/

MoneyScience Financial Intelligence Network
http://www.moneyscience.com/

MoneyScience Financial Services Directory
http://www.moneyscience.com/Financial_Services_Directory/

Mortgage Calculator
http://www.mortgagecalculator.net/

Mozenda Web Agent Builder - Web Data Extraction
http://www.mozenda.com/

MSN Money
http://moneycentral.msn.com/home.asp

Mvelopes Personal - Online Home Budgeting System
http://www.mvelopes.com/

MyMoney.gov
http://www.mymoney.gov/

NASD - Regulation
http://www.nasdr.com/

NASDAQ® Stock Market
http://www.nasdaq.com/

National Bureau of Economic Research (NBER)
http://www.nber.org/

National Information Center of the Federal Reserve System
http://www.ffiec.gov/nicpubweb/nicweb/nichome.aspx

New Economy Analytics, Resources and Alerts
http://www.NewEconomyAnalytics.com/

New York Stock Exchange - NYSE
http://www.nyse.com/

Nexodyne Stock Exchange (NSXE) - Stock Market Simulator
http://exchange.nexodyne.com/

Nightly Business Report - NBR.com
http://www.pbs.org/nbr

OANDA, The Currency Site: Foreign Exchange Services and Trading
http://www.oanda.com/

Office of Financial Education of the Department of the Treasury
http://snipurl.com/26oi0

Open Directory - Business - Financial Services
http://www.dmoz.org/Business/Financial_Services/

PayPal
http://www.payPal.com/

Peer to Peer Lending with Prosper Blog
http://p2plendingwithprosper.blogspot.com/

Perfect Information
http://www.perfectinfo.com/

Prediction Markets
http://www.PredictionMarkets.com/

Prophet.Net
http://www.prophet.net/

Quote
http://www.Quote.com/

RateNet - Your Financial Connection
http://www.rate.net/

RealWebFunds Finds Financing - Commercial Mortgages
http://www.realwebfunds.com/

Reuters - Stocks
http://www.investor.reuters.com/

Ripple Monetary System
http://ripple.sourceforge.net/

Risk Models - APT
http://www.apt.com/

Savings Bond Wizard®
http://www.treasurydirect.gov/indiv/tools/tools_savingsbondwizard.htm

SchaeffersResearch.com: Online Resources for Stock and Options Traders
http://www.schaeffersresearch.com/

SEC Filings & Forms (EDGAR)
http://www.sec.gov/edgar.shtml

SEDAR
http://www.sedar.com/

Seeking Alpha - Stock Market News, Opinion and Analysis
http://seekingalpha.com/

Show Me The TARP Money Map
http://www.propublica.org/special/bailout-map

Silicon Investor
http://www.siliconinvestor.com/

Smart Money
http://www.smartmoney.com/

Smart Stocks
http://www.SmartStocks.com/

Stock and Bond Exchanges (Worldwide Listing)
http://dmoz.org/Business/Investing/Stocks_and_Bonds/Exchanges/

Stock Charts
http://www.StockCharts.com/

Stock Market Trading and Investing Software
http://stock-investing-software.com/

StockPickr - Free Stock Recommendation Site
http://www.stockpickr.com/

Stock Quote Source
http://stockquotesource.com/

StockScouter - Analyze Stock Potential
http://moneycentral.msn.com/investor/StockRating/srsmain.asp

StudyFinance - Introductory to Finance
http://www.studyfinance.com/

Super Star Investor
http://www.superstarinvestor.com/

The Big Money from Slate - Synthesis of Financial News and Tools
http://www.thebigmoney.com/

The Big Picture - Macro Perspective On the Capital Markets and More ..
http://bigpicture.typepad.com/

The Economy - Global Economic Crisis Special Coverage and World Market Analysis
http://www.thrall.org/special/economy.html#Global_Economic_Crisis

The Financial Forecast Center™
http://www.forecasts.org/index.htm

The Investment FAQ
http://invest-faq.com/

The Survivor's Manual for The New Economy
http://www.NewEconomyManual.com/

Trading Markets
http://www.TradingMarkets.com/

U.S. Banking Law
http://www.law.cornell.edu/topics/banking.html

U.S. Department of Treasury
http://www.treas.gov/

U.S. Securities and Exchange Commission
http://www.sec.gov/

Value Engines - Stock Valuation and Forecasting
http://www.Valueengines.com/

VentureOne: Venture Capital and Private Equity Research and Information
http://www.ventureone.com/

Virtual Economy Research Network (VERN)
http://virtual-economy.org/

Virtual Finance Library - Ohio State University
http://fisher.osu.edu/fin/overview.htm

Visa
http://www.visa.com/

VistaWEB - Online Investment Banking
http://www.vistaweb.com/

Wall Street Horizon - Earnings Calendar
http://www.wallstreethorizon.com/

WikiInvest - Research About Companies and Investment Concepts
http://www.wikinvest.com/

World Bank Developer Network
http://developer.worldbank.org/

World Economic Outlook (WEO)
http://www.imf.org/external/ns/cs.aspx?id=28

World'Vest Base (WVB)
http://www.wvb.com/

XBRL - eXtensible Business Reporting Language
http://xbrl.org/

Xinhua Finance - Chinese Investment Tools
http://www.xfnn.com/en/main/index.html

Yahoo! Finance
http://finance.yahoo.com/

ZachsAdvisor
http://www.zacksadvisor.com/

Zach's Investment Research
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Zephyr
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FINANCIAL SOURCES SEARCH ENGINES

Financial Data Finder
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FinancialFind
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FreeEDGAR - Free Real Time SEC EDGAR Filings
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eFinancialBot - Your Financial Search Engine
http://www.eFinancialBot.com/

Option Crawler
http://www.optioncrawler.com/

VhaYu Technologies
http://www.vhayu.com/

VENTURE CAPITAL SOURCES

Accel Partners
http://www.accel.com/

ARCH Venture Partners
http://www.archventure.com/

Benchmark Capital
http://www.benchmark.com/

Capital Connection: Entrepreneur's Resource for Finance
http://www.capital-connection.com/

Florida Venture Forum
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Hummer Winblad Venture Partners
http://www.humwin.com/

Growthink Research - Venture Capital Funding Research Reports
http://www.growthinkresearch.com/

Lightspeed Venture Partners
http://www.wpgvp.com/

Mayfield
http://www.mayfield.com/home.html

MIT Club of Northen California
http://www.mitcnc.org/

MIT/Stanford Venture lab (VLAB)
http://www.vlab.org/

MoneyTree Report - Venture Capital Investment Activity
https://www.pwcmoneytree.com/MTPublic/ns/index.jsp

Norwest Venture Partners (NVP)
http://www.norwestvc.com/

Tech Capital Partners
http://www.techcapital.com/

VC Fodder
http://www.vcfodder.com/

Venture Capital Database (VCDB)
http://www.punctuative.com/vcdb/

VentureOne
http://www.ventureone.com/

Venture Planning Associates
http://www.ventureplan.com/

VentureSource
http://www.venturesource.com/

VentureWire
http://venturecapital.dowjones.com/products/prod_vw_pro.html

vFinance®
http://www.vfinance.com/

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The 7 Characteristics of Good Domain Names

Domain names are the real estate of the Internet. Just as a good location is vital for a bricks and mortar business, a good domain name will be the corner stone of your website’s success. But how to identify them? Below you will find the 7 characteristics of good domain names.

1. They are short

Good domain names are short. It is not a coincidence that all the three-letter and four-letter .com domains are already gone, and that the five-letter ones are going fast as well.

There is no definite number of characters that you should aim for, just remember that the shorter the better. If you really need some guidance, try to go below 10 characters, and never exceed 20.

As for the number of words, one-word domains are gold, two-word ones are good, three-word domains are average, and above that it is usually a bad idea.

Example: Quotes.com is a superb domain and probably worth millions of dollars. ProQuotes.com is a good two-word domain worth thousands of dollars. ProQuotesNow.com is an average domain and could be used for a website. YourProQuotesNow.com is plain worthless.

2. They are easy to remember

Many Internet users do not use bookmarks. They just memorize the domains of their favorite websites and type them whenever they wan to visit one. Guess what, if your domain is complex and not easy to remember you will lose these visitors along the way.

Example: Brcwr.com is a short domain name, but is not easy to remember at all, so it would be a bad idea to use it for your website (unless the initials represent the name of the website or a memorable message).

3. They are easy to spell

The last thing you want is visitors misspelling your domain and ending up somewhere else.

Avoid unusual foreign words, words that have complex pronunciation, strange combinations of letters and anything else that might cause someone to misspell your address.

Example: CappuccinoBar.com might be problematic for English speaking visitors. Cappuccino is an Italian word, and not everyone is aware where the doubles are placed.

4. They have a .com extension

Organizations might prefer to register a .org domain, and companies targeting very specific geographical regions might want to register a local domain (e.g. .it, .co.uk, .cn and so on). Apart from these cases, however, a .com domain is always the best way to go. This extension is the most popular around the around, and it is already stuck in people’s mind.

Visitors coming to your site via search engines or organic links will pay attention mostly to the name and not to the URL. The next time they want to visit your site it is very likely that they will just type its name followed by a .com. Guess what, if you are not there when they hit enter they will just go somewhere else.

Example: Darren Rowse created his popular blog on Problogger.net. Despite having a strong brand, some visitors were still going to Problogger.com. After a couple of years Darren decided to buy the .com version for $5,000 and redirect it to his site, so that no more visitors would leak.

5. They are descriptive

Many visitors will come to your site through the search engines and via direct links on other websites. That is, they will come if the domain that they will see will be appealing.

Having a descriptive domain name will give visitors an idea of what your site is about even before they enter it. If related keywords are present in the domain it might also help your search engine rankings.

Example: You would be able to guess what TelevisionGuides.com is about even before visiting it right?

Put it in another way. Suppose you are searching for a movie review. You make a quick search in Google. The first result comes from MikesLair.com. The second result comes from MoviesCentral.com. Which one would you rather click?

6. Or brandable

A brandable domain will have a nice pronunciation, an interesting combination of letters or simply an appealing visual effect. Sometimes they will not be descriptive, but they can be equally efficient.

Brandable domains will make your visitors associate the name with your website and its content. (Notice that brandable domains can be descriptive at the same time, but that is not always the case.)

Example: Kotaku.com is one of the most popular gaming blogs on the Internet. The domain is not descriptive at all, but the brand is so strong that gamers immediately recognize it across the web.

7. They don’t contain hyphens or numbers

Domain names containing hyphens and numbers are cheaper for a reason. They suffer the same problem of domains not using a .com extension or with complex spelling.

Consider Tech-World.com. The names that will stick in people’s mind are “tech” and “world.” Many visitors will just forget the hyphen along the way. Eventually they will try to access your site by typing TechWorld.com, in vain.

Numbers, on the other hand, will confuse people with the spelling. Suppose you registered Tech5.com. Visitors might mix it with TechFive.com, if they manage to remember the number in the first place!

Example: Coolest-Gadgets.com is an extremely popular gadget blog, with over 70,000 RSS subscribers. With such a huge readership you get people often typing the domain directly on the address bar. Needless to say that many of them would just forget to add the hyphen. The owner of the site bought CoolestGadgets.com afterwards to fix the problem.

Final remark

Do not get discouraged if your current domain doesn’t have all these characteristics; or if you can’t find one that does. These are just factors that you should consider when evaluating domain names.

There are plenty of examples of popular websites with domain names that lack in one or two points covered on the list. Just make sure that your domain has most of the characteristics and you should be fine.

selling older homes as historical homes

In this newsletter, you will learn how to approach selling older homes as historical homes. We hope this information is useful and look forward to sending you more information on various topics concerning homes and inspections.
The Age Of The Home
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
In the new homebuying paradigm, old equals problems and new equals luxury. Sprawl has become tempered by higher building costs and traffic problems, which have driven homebuyers back toward community cores and older homes, but they don't necessarily like what they see - smaller square footage, outdated floor plans, and the previous owner's imprint. This situation has real estate agents acting more as apologists than salespeople. As agents list older homes, they downplay the age of the home, which is a losing strategy, say some experts. "The age of the home is the first thing the buyer wants to know and the last thing the listing agent wants them to know," says Dave Burrell, president and CEO of Historical Insights, Inc. "To you, it's a regular old house, but look at it from the buyer's perspective. That's not how people buy homes. It's much better to create an emotional connection with the house."
Historical homes prove that a property can bring more if buyers can connect with the past. "If you found out you wanted a house where someone lived who was in politics or changed aviation," suggests Burrell, "it's more important to you, so people do care. You want to present the home so that the buyer can relate to what's it like to live in the house, and feel more important because of it."
Leather Bound Histories
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
In Denver, Colorado, where Burrell provides leather- bound histories for local homes, there are more than 93,000 pre-1950 homes (2000 Census,) and over 1000 are for sale in an average month, he says. "It's clear how large this potential market really is," suggests Burrell. Histories can include everything from the type of home - ranch, how that type of home served society at that time, to who lived there to what changes were made to the home over the years.
Getting histories can be a challenge, but there are ways that don't take a lot of time. "A couple of starting points would be city directories that go by street names or addresses and you can find out who lived in that house and from what dates. Second is to go to Sanborn Fire Insurance Maps which you can find at local archives like the public library. They go from the late 19th century to about 1970. This company created maps for insurance companies and they would create maps and streets and show what buildings were there, they'd show the exits, doors and windows. You can see the house change from when it had a stable to when it acquired a garage. You can see if they had an outhouse and when it was torn down. You can get them from various years. In Denver you can get them from 1893, 1903, 1905, 1925. One problem is if your house was built in 1911, you can't confirm much between 1905 and 1925."
Things That Personalize The Home
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Burrell points to his own home as an example. "In my personal house, there was a small porch in 1925, but a large porch was added by 1929," says Burrell. "It's the little things that are interesting and it personalizes the home to the seller or the buyer because they know something no one else knows." You can go to the public records, but approximately 30 to 40 percent of homes in Denver are incorrectly dated, says Burrell. "I found my house was incorrectly dated," he says. "My house was supposed to be built in 1900, but it wasn't in the 1903 or 1905 maps, but it was in the 1907 map."
Another way to assign a date to an older home is to look at the local "TAP" records - when the house was connected to the local water system for running water. Or you can commission a home history, such as Burrell provides, for as little as a report fee to as much as $400 for a leather-bound copy. Home histories can be a great listing tool, a great closing gift, and a great legacy for referrals. "When everyone is looking to find a Realtor," says Burrell, "caring about the history of homes is something that can differentiate one Realtor from another. Most Realtors aren't going to think about how to market the home. By getting a book likes this, you are going to give a physical manifestation of the house that helps them enjoy their home. When they resell, they have a collection of information with the Realtor's name and information. They won't throw this away. They will show it to all their frineds, and it has your name on it. "The underlying principle is simple," says Burrell. "Since so much of the mystery of old homes lies in their connection with the past, a home history can highlight that connection very vividly. This is especially the case today, with so many transplants seeking to grow roots within their communities. And because emotions are such a key part of the homebuying process, helping buyers make a personal leap into the living experience of the home quickens the purchasing decision." It's well worth it. Not only are older homes a tangible record of cultural changes, old homes in Denver sell for 8.9 percent more than their more modern counterparts, says Burrell.

Breast Cancer - Prognosis

A prognosis is the medical team's "best guess" in how cancer will affect a patient. There are many prognostic factors associated with breast cancer: staging, tumour size and location, grade, whether disease is systemic (has metastasized, or traveled to other parts of the body), recurrence of the disease, and age of patient.

Stage is the most important, as it takes into consideration size, local involvement, lymph node status and whether metastatic disease is present. The higher the stage at diagnosis, the worse the prognosis. Larger tumours, invasiveness of disease to lymph nodes, chest wall, skin or beyond, and aggressiveness of the cancer cells raise the stage, while smaller tumours, cancer-free zones, and close to normal cell behaviour (grading) lower it.

Grading is based on how cultured biopsied cells behave. The closer to normal cancer cells are, the slower their growth and a better prognosis. If cells are not well differentiated, they appear immature, divide more rapidly, and tend to spread. Well differentiated is given a grade of 1, moderate is grade 2, while poor or undifferentiated is given a higher grade of 3 or 4 (depending upon the scale used).

Younger women tend to have a poorer prognosis than post-menopausal women due to several factors. Their breasts are active with their cycles, they may be nursing infants, and may be unaware of changes in their breasts. Therefore, younger women are usually at a more advanced stage when diagnosed.

The presence of estrogen and progesterone receptors in the cancer cell, while not prognostic, is important in guiding treatment. Those who do not test positive for these specific receptors will not respond to hormone therapy.

Likewise, HER2/neu status directs the course of treatment. Patients whose cancer cells are positive for HER2/neu have more aggressive disease and may be treated with trastuzumab, a monoclonal antibody that targets this protein.

Psychological aspects of diagnosis and treatment
The emotional impact of cancer diagnosis, symptoms, treatment, and related issues can be severe. Most larger hospitals are associated with cancer support groups which can help patients cope with the many issues that come up in a supportive environment with other people with experience with similar issues. Online cancer support groups are also very beneficial to cancer patients, especially in dealing with uncertainty and body-image problems inherent in cancer treatment.

Not all breast cancer patients experience their illness in the same manner. Factors such as age can have a significant impact on the way a patient copes with a breast cancer diagnosis. For example, a recent study conducted by researchers at the College of Public Health of the University of Georgia showed that older women may face a more difficult recovery from breast cancer than their younger counterparts. As the incidence of breast cancer in women over 50 rises and survival rates increase, breast cancer is increasingly becoming a geriatric issue that warrants both further research and the expansion of specialized cancer support services tailored for specific age groups.

Racial disparities in diagnosis and treatment
Several studies have found that black women in the U.S. are more likely to die from breast cancer even though white women are more likely to be diagnosed with the disease. Even after diagnosis, black women are less likely to get treatment compared to white women. Scholars have advanced several theories for the disparities, including inadequate access to screening, reduced availability of the most advanced surgical and medical techniques, or some biological characteristic of the disease in the African American population. Some studies suggest that the racial disparity in breast cancer outcomes may reflect cultural biases more than biological disease differences. Research is currently ongoing to define the contribution of both biological and cultural factors.

Want to Lose Weight? Do Yoga!

Yoga combines the most essential aspects of health in life. The aspects are known as obesity which includes mental, physical, and emotional. Doing Yoga will enable a person to free and relax his mind. Peace floods the mind after doing Yoga. Since Yoga is a part of exercise which requires meditation, the brain and mind will be free and refreshed. The mind will be controlled from practicing wrong eating habits. The person will be able to control himself to do the smart ways in order to lose weight. Hence, Yoga is undeniably one of the most effective ways in weight loss process. Apart from doing exercise, a person can do Yoga to lose his weight.

There are few steps or techniques of Yoga which can be practiced to lose weight. The steps are divided into four techniques and the position of body varies from each steps. Each step has its effect to every body parts. The techniques are Asanas, Sun Salutations, and Pranayama. According to Asanas technique, fat will be eliminated through forward bending, twisting, and backward bending. The excess of fat near thigh, butt, and abdomen will be eliminated by bending and twisting the parts of the body. In order to eliminate fat near legs and arms, the recommended techniques are tree pose, hero pose, and swinging lotus pose.

On the other hand, Pranayama helps in fat reduction. For those who have the problem of obesity, they can practice Kapalbhati, Bhasrika, and fast breathing. Fat will be burned and eliminated by doing this technique. The technique will also help the lung to function properly. In addition, Sun Salutations will also enable people to lose weight. At a speed of four rounds in a minute, sun salutations combine two types of exercise which are asanas and regular exercise. Sun Salutations is advantageous for the body, since it will help the lungs to function appropriately. It will also relax the mind through the mantras which are being enchanted by the person.

Something you shall know about your body structure

How much you know about our body structure? Here is an easy way, just a simple Mathematics calculation.

1. How many bones inside the body of the borned baby
Ans 1: (26+34)X 5

2. How many muscles in our body?
Ans 2: Ans 1 + 350

3. What is the number of joints in our body?
Ans 3: (Ans 2 + 50) / 7

4. How long is the blood vessels in our body( answer in km)?
Ans 4: Ans 3 X 1000

5. How many times the length of our nerves can round the Earth ?
Ans 5: Ans 4 - 99996.25

6. The energy generate by your muscle in one day actually can be used to raise up a car. Do you know what is the distance you can raise up the car and move with those energy generated by your muscle in ne day?
Ans 6: (Ans 5 + 1.25) X 3

7. Red blood cells are producing every minute in our body?
Ans: Ans 6 X 100000

8. The hairs you lose daily?
Ans 8: (Ans 7 - 200000) / 10000

9. Average number of bacteria at your armpit (in mm square)?
Ans: Ans 8 X 8

10. The length of the smallest muscle in our body (in mm)?
Ans : Ans 9 / 800

This is amazing number and i believe many people do not notice about it.

Natural Weight loss tips

Size does matter, but if you are plump and over weight, you will have your family and friends always behind you, suggesting ways to get thinner and this connotes to the work place and so forth. It has wider implications on the personality and psyche of the individual who is obese, and will keep him haunting wherever he goes. To change this you need natural weight loss tips and techniques, which are risk free and will prove effective for you in long run.

In most cases, it will get into the living habits of the obese! Now, the million dollar question is how to reduce the excessive weight? Here are some natural weight loss tips you can bank upon to check for yourself in a definite period, and how you can counter your growing weight following the natural weight loss tips provided below, by just controlling on your food intake on a daily basis.

Tip1: Eating fresh vegetables or fruits in the breakfast will start your morning and the rest of the day’s activity with a good note. Hence, it is always advisable to take your breakfast on time and in a relevant quantity. See to it that you never eat extraneous amounts of food at the time of starting your day’s activity, which is in the morning.

Tip2: While you have started your day on a good note, continue this with taking lunch only after 4 hours of your breakfast this will give your body time to complete a digestion cycle. Every meal should have at least 4 hours of gap between further intakes. All our body parts act at our brain stimuli, if whatever we do whether eating or sleeping, if it is under a schedule it will have controlling effect body and other immune systems.

Tip3: When in the evening if you feel like having something, prefer to take tea or coffee with snacks or biscuits, which are calorie free. You can sum up your days diet intake with a controlled dinner at least before 2 hours of going to sleep. So that it gives your digestion cycle to be completed before you get on to, hit the sack.

Within week’s you can notice a marked improvement in your health, which will continue for a long period of time.

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The 7 Characteristics of Good Domain Names

The 7 Characteristics of Good Domain Names

1. They are short

2. They are easy to remember

3. They are easy to spell

4. They have a .com extension

5. They are descriptive

6. Or brandable

7. They don’t contain hyphens or numbers

Final remark

selling older homes as historical homes

Breast Cancer - Prognosis

Want to Lose Weight? Do Yoga!

Something you shall know about your body structure

Natural Weight loss tips

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