摘至健康雜誌
   

親愛的朋友:

    你知道嗎？ 吃一個必理痛會殘留在身體五年。

    先前有一個空姐，因為每次月經來就會疼痛不已，但又礙於工作必須經常性的站立，只好每個月都吃必理痛解經痛，沒想到才將近三十歲的年紀，就開始洗腎了。

    當你看完這篇報導，千萬不要掉以輕心，又再亂服成藥！ 最好還是去醫院看病或做婦科的檢查，要記住喔！並且告訴你的朋友，我一個叔公在美國的大藥廠擔任資深研發博士，他從來都不吃必理痛的因為真的很傷肝（但是肝是沒痛覺神經的）。

    他說美國人頭痛都吃 亞司匹靈 ASPIRIN。因為它所含的水楊酸會使將血管擴張使血液流暢經證實它還可以防腸癌。亞司匹靈 ASPIRIN的唯一缺點是對有胃病的人有影響（因血管擴張，會使胃潰瘍加劇。所以我每次看到必理痛的廣告就很反感。大家有看過最近必理痛的廣告嗎？有個爸爸感冒不吃藥，原因是因為吃藥有副作用，但是媽媽說，必理痛不含阿司匹靈，不傷胃。雖然整個廣告沒說到必理痛沒副作用，但是這個廣告還是有很大的問題， 會讓人家以為必理痛沒副作用，必理痛雖然不傷「胃」，但是卻傷『肝』（因含有乙醯、 苯酚，故傷肝）。小孩吃太多可能會引起「猛暴性肝炎」，而有肝炎的病人更是禁吃， 尤其是B型肝炎剛感染的時候，有點像感冒，有些人就會吃必理痛， 但是這是很不好的喔，會 使你的GOP 、
    GPT都昇高很多，所以藥是不能亂吃的~~市面上各大品牌的感冒藥及止痛藥都有副作用，某些品牌的副作用傷腎，有些品牌的傷肝。大多數的止痛藥都會傷肝，西藥則幾乎都傷腎。這是很嚴重的，我身邊的朋友，就有這種親身經歷。一顆膠囊，七處灼傷....... 嚴重吧！不是食道受傷後改用喝的，就會不痛哦！那是連呼吸，吞口水，都非常痛的！?

    很多人因為感冒，所以在服用膠囊時都使用溫熱水，但不知若膠囊無順利到達胃，那是會很嚴重的。快快修正你的服藥觀念哦！我朋友的醫生教她應要如此做膠囊可以第一個吃，用冷水吞服，吞完最後一顆時，應要再多喝一些水，在睡前３０分鐘就先服藥，服完忌立即躺下，比較安全哦！
    轉述：
    日前我服用消炎膠囊時，因飲水量不夠使膠囊附著在食道上，而造成食道嚴重灼傷，六天以來只能靠冰鮮奶和開水度日，還要住院治療五天，醫生更警告如再延誤就醫有可能惡化為食道穿孔，請大家不可忽視。服用膠囊類藥物時要注意：
    1.千萬不可飲用溫水 / 熱水 / 果汁/ 含糖類飲料, 正確是飲用冷水; 冰開水..
    2.如服用後感覺喉嚨內有異物 , 速飲用大量冰鮮奶或冰水.
    3...服用時應站直或坐直 , 不要一服用完就馬上躺下
    告訴你的朋友!

The FIFA World Cup, occasionally called the Football World Cup or Soccer World Cup, but usually referred to simply as the World Cup, is an international association football competition contested by the men's national teams of the members of Fédération Internationale de Football Association (FIFA), the sport's global governing body. The championship has been awarded every four years since the first tournament in 1930, except in 1942 and 1946 when it was not contested because of World War II.

The current format of the tournament involves 32 teams competing for the title at venues within the host nation(s) over a period of about a month - this phase is often called the World Cup Finals. A qualification phase, which currently takes place over the preceding three years, is used to determine which teams qualify for the tournament together with the host nation(s). During the 18 tournaments that have been held, seven nations have won the title. Brazil have won the World Cup a record five times, and they are the only team to have played in every tournament. Italy, the current champions, have won four titles, and Germany are next with three titles. The other former champions are Uruguay, winners of the inaugural tournament, and Argentina, with two titles each, and England and France, with one title each.

The World Cup is the most widely-viewed sporting event in the world, where an estimated 715.1 million people watched the final match of the 2006 World Cup held in Germany.[1] The next World Cup will be held in South Africa, between 11 June and 11 July 2010, and the 2014 World Cup will be held in Brazil.

By Charles Prosper

High blood pressure, heart failure and death due to the clogging of the arteries as a result of dangerously high levels of LDL (low-density lipoprotein) - the "bad" cholesterol - has hit home for me more than once. I lost my mother, my brother (just recently) and a favorite aunt all due to high levels of bad cholesterol and arteries that just couldn't handle the stress. It doesn't always have to end this way. There is a solution, and the solution you will see is a simple one. In conjunction with regular exercise, you only need change your diet for the better. The key to the reduction of bad cholesterol from your diet is to increase the amount of soluble fiber in your diet. Soluble fiber found in foods like those listed below help lower total blood cholesterol levels by lowering the low-density lipoproteins or "bad" cholesterol levels.

The 7 Marvelous Foods That Can Lower Your "Bad" Cholesterol Almost Instantly

Healthy Food Number #1 - Oats, Barley and Grain - One of the best breakfasts that you could ever enjoy is one of cooked rolled oats enhanced with a slice banana or maybe some strawberries on top for a little extra soluble fiber to reduce your risk of heart disease.

Healthy Food Number #2 - Beans - Beans such as kidney, navy beans, lentils, garbanzos or black-eyed peas not only are rich in soluble fiber, but since they also take longer to digest they make you feel full longer which is a bonus for those who are trying to lose weight.

Healthy Food Number #3 - Flaxseed Oil and Virgin Olive Oil - Just by adding fresh flaxseed oil and virgin olive oil to your diet, you can lower your LDL.

Healthy Food Number #4 - Nuts - Studies have shown that with just as little as a couple of handfuls of almonds, walnuts or pecans, you can lower your LDL by as much as five percent.

Healthy Food Number #5 - Fruits - By eating generous portions of pears, grapes, strawberries, apples and citrus fruit, you are getting a rich supply of pectin which is a very valuable soluble fiber found in fruit.

Healthy Food Number #6 - Soy - You can lower your "bad" cholesterol by as much as six percent, just by adding soybeans and foods that are made from soybeans such as tofu and soy milk to your diet.

Healthy Food Number #7 - Fish - By just replacing meat with fish, for just a few times a week, you can help to lower your intake of saturated fat. As a bonus, the Omega-3 fats, the "good" fats, found in fish such as salmon can not only lower the "bad" LDL levels, but they can also help to prevent the onset of abnormal heart rhythms.

And now I'd like to invite you to claim your Free Instant Access to receive a FREE 10-minute Audio Interview with the 4-page pdf transcript on How To Get Fit Fast At Any Age as well as a Free weekly online fitness training and nutrition eCourse when you visit:

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Click on the above link to get your bonuses now. You'll be glad you did.

You will receive powerful secrets how to, in as little as 12 weeks, develop strong lean muscle and take off pounds of body fat and keep it off for good!

From Charles Prosper - The 12-Week Fitness Guru

Article Source: http://EzineArticles.com/?expert=Charles_Prosper
http://EzineArticles.com/?Fitness-Tips-For-Baby-Boomers---The-7-Foods-That-Lower-Your-Cholesterol-Almost-Instantly&id=4304197

By Tom Nuckels

Have you ever checked your body's pH? Do you know what body pH is and how it plays an important role in good health? Do you suffer from acidosis? Many people never ask themselves these questions. Yet, body pH plays an important role in maintenance of your body' many intricate systems.

Acidity and alkalinity are measured according to the pH scale. Pure water, with a pH of 7.0, is considered neutral. Any substance with a pH below 7.0 is acid, while anything with a pH above 7.0 is alkaline. The ideal pH range for the human body is between 6.0 and 6.8 (slightly acid). For the body, values below pH 6.3 are considered on the acidic side. Values above pH 6.8 are on the alkaline side.

You can obtain a test kit and determine your own pH by doing a self test. This test will determine whether your body fluids are either too acidic or too alkaline. Apply saliva or urine to litmus paper. The paper will change color to indicate if your system is overly acidic or alkaline. Red litmus paper turns blue in an alkaline medium and blue litmus paper turns red in an acidic medium. Always perform the test either before you eat or at least one hour after eating. If your test indicates that your body is too acidic, consult the recommendations for Acidosis.

Acidosis is a condition in which the body chemistry is imbalanced and overly acidic. Symptoms of acidosis include frequent sighing, insomnia, water retention, recessed eyes, arthritis, migraine headache, abnormally low blood pressure, acid or strong perspiration, dry hard stools, foul smelling stools accompanied by a burning sensation in the anus, alternating constipation and diarrhea, difficulty swallowing, halitosis, a burning sensation in the mouth and / or under the tongue, sensitivity of the teeth to vinegar and acidic fruits, and bumps on the tongue or the roof of the mouth.

There are two classifications of acidosis: respiratory and metabolic. Respiratory acidosis is caused by an interruption of the acid control of the body and results in an overabundance of acidic fluids or the depletion of alkali. Simply put, it occurs if the lungs are unable to remove carbon dioxide. Respiratory acidosis can be a result of asthma, bronchitis, or obstruction of the airway. It can be mild or severe.

Metabolic acidosis is caused by chemical changes in the body which disturb the acid-base balance. This results in an excessive amount of acid in the body fluids. Diabetes mellitus, kidney failure, the use of unusually large amounts of aspirin and metabolic diseases are some of the conditions that can deplete the body's alkaline base. Other contributing factors can include liver and adrenal disorders, stomach ulcers, improper diet, malnutrition, obesity, ketosis, anger, stress, fear, anorexia, toxemia, fever and the consumption of excessive amounts of niacin and vitamin C.

Guidelines for avoiding or reducing pH imbalance include:

1. Practice deep breathing.

2. Eat a diet of 50 percent raw foods including apples, avocados, bananas, bilberries, blackberries, grapefruit, grapes, lemons, pears, pineapple, strawberries, and all vegetables. Fresh fruits, especially citrus fruits and vegetables reduce acidosis. Start with small amounts of citrus fruits and gradually add larger amounts.

3, Chew your food slowly, and do not overindulge. Make sure food is mixed well with saliva. Do not drink fluids during meals.

4. Prepare cooked foods with care. Maintain clean working surfaces and wash vegetables and fruit. Keep meat and vegetables separate you can contaminate vegetables with bacteria from raw meat. Do not overcook vegetables, as this makes them lose flavor and nutritional value. Eat processed foods in moderation. They are low in nutrients and overexert the digestive system. Both cooked and processed foods tend to make the body more acidic. Also avoid eating late at night.

5. Drink potato broth every day.

6. Avoid animal protein, especially beef and pork, as they contribute to acidity.

7. Avoid beans, cereals, crackers, eggs, flour products, grains, oily foods, macaroni, and sugar. Plums, prunes, and cranberries do not oxidize and therefore remain acid to the body. Avoid these until the situation improves.

8. Since excess vitamin C may lead to acidosis, reduce your intake of vitamin C for a few weeks. When taking larger does of vitamin C, use a non-acid form.

9. Heartburn and indigestion can result from poor digestion. If you suffer from heartburn, taking small swallows of a teaspoon or two of natural cider vinegar in a glass of water may be of some help. It may cause a burning sensation when you swallow it, but then, in approximately twenty minutes, you should feel relief. If this helps it may indicate you lack sufficient acid in your stomach and the vinegar compensated. In this case, consider taking a digestive enzyme supplement containing hydrochloric acid (HCL).

Check your urine pH daily and avoid acid forming foods until your pH is corrected.

ACID Forming Foods include:

Alcohol, asparagus, beans, brussels sprouts, buckwheat, catsup, chickpeas, cocoa, coffee, cornstarch, cranberries, eggs, fish, flour and flour-based products, legumes, lentils, meat, milk, mustard, noodles, oatmeal, olives, organ meats, pasta, pepper, plums, poultry, prunes, sauerkraut, shellfish, soft drinks, sugar and all foods with sugar added.

Acidosis, if allowed to go unchecked, can adversely affect health. Fortunately, it is easily detected and, it can be avoided or corrected if found.

About the Author:

Tom Nuckels is owner of the LpVitamins.com website. His customers range from children to the elderly and from carpenters to doctors. To learn what liquid vitamins, phytonutrients, homeopathic medicinals and spaQuality Skin Care can do for you, visit www.lpvitamins.com .

Article Source: http://www.articlesbase.com/non-fiction-articles/health-implications-of-acid-alkaline-imbalance-91485.html

By Celia_Westberry

If you want to look, feel and be healthier, breakfast is the winning meal. It breaks the night's fast and renews your energy. Because, whether you are a housewife, a busy executive or a teacher, your energy must come from food. A well balanced breakfast keeps your metabolism balanced, as you slow your aging and keeps you looking great.

A healthy breakfast jumpstarts your body. If you got in your car and the low fuel light is flashing, without a thought you would stop and add gas. This is what breakfast does for you - a frontline source to boost human energy.

A well balanced breakfast includes complex carbohydrate, protein and fat. So grabbing a donut and a cup of black coffee is not enough. As soon as you get used to your coffee high, your body is asking, so where's the beef (think protein)?

Flush the excuses! I am not talking gourmet cooking. First shop for breakfast food. Get some eggs, milk, low fat yogurt, (good sources of protein) a high fiber cereal, high fiber bread, real butter, a can of good quality sardines in olive oil and your favorite fruits. With this you can plan three well balanced breakfasts, and repeat them.

Use your microwave to cook an egg in 55 seconds. The lecithin (fat) in eggs keeps your brain sharp and complete proteins (egg white) keep your reactions speeded up until lunch. Eat it with bread and butter for fiber and the 10% saturated fat you body requires. Eat a serving of fruit. For example the pectin in an apple helps to control blood sugar and keeps your cholesterol steady. To slow aging, make a habit of excellent choices.

Let's say you only had time to eat a simple orange. Even this helps to protect your immune system which guards you against viruses like the common cold, all infections and cancer. If you chose to eat sardines instead of bacon, this healthy eating action will have a positive impact on your heart, blood vessels and bones and keep you looking and feeling younger.

A lifetime of healthy eating can slow your aging. News reports now document that there is an increase in overweight school children with Type 11 diabetes. Can humans be having aging syndromes at earlier ages?

Healthy breakfast choices with regular meals promise no weight problems! A client who's been battling weight problems told me that her initial belief was, if I don't eat breakfast I will surly eventually get slender. She then started eating breakfast, which led her to healthy choices for meals and snacks. This rhythm of eating regularly increased her metabolic rate, and she eventually lost weight!

Celia Westberry M.S is the author of Eat Yourself Younger Effortlessly- The easy way to slow aging, feel great, and look good. She is a health and wellness professional who helps people to eat their best every day to be healthier, happier and more fulfilled.

Article Source: http://EzineArticles.com/?expert=Celia_Westberry
http://EzineArticles.com/?Youthful-Aging---The-Frontline-Meal-to-Slow-Aging-is-a-Healthy-Breakfast&id=673069

BEST TO READ THE STORY BELOW, BEFORE OPENING THE ATTACHMENT.

In a Chinese modern dance competition on TV one very unique couple won
one of the top prizes. The young woman, in her 30's, was a dancer who
had trained since she was a little girl. Later in life, she lost her
entire left arm in an accident and fell into a state of depression for
a few years.

Someone then asked her to coach a Children's dancing group. From that
point on, she realized that she could not give up her love for
dancing.  So, she started to do some of her old routines. But, having
lost her arm, she also lost her balance.  It took a while before she
could even make simple turns and spins without falling.

Then she heard of a man in his 20s, who had lost his leg in an
accident.  He had also fallen into the usual denial, depression and
anger roller coaster. But, she was determined to find him and persuade
him to dance with her.

He had never danced, and to dance with one leg....No way!

But, she didn't give up, and he reluctantly agreed. He said "I have
nothing else to do anyway."  She started to teach him dancing. The two
broke up a few times because he had no concept of using muscle, how to
control his body, and knew none of the basic rules about dancing.

When she became frustrated and lost patience with him, he would walk
out. Eventually, they came back together and started training
seriously and hired a choreographer to design routines for them.

In this competition, as you will see, they dance beautifully and they
legitimately won the competition!!.

This is just a remarkable and heart-warming video of two young people
who succeeded in the face of adversity.

This guy rides on the outside of a helicopter and then climbs off onto the high-voltage power cables to maintain them...

Are you looking for a tax-effective way to transfer funds to your child or grandchild to help them pay for their education or their fist home?

Consider using an exempt life insurance policy that allows for cash accumulation. You'll be providing insurance protection on your child's or grandchild's life, while maintaining control of the policy as it builds up a tax-advantaged cash accumulation that they can use to fund their education or home purchase - once you are ready to transfer the ownership of the policy.

While using a trust to transfer wealth to a younger generation can be costly and time consuming to establish, using an exempt life insurance plan can be very effective, both in terms of cost and the time it takes to set up. And a cash value, exempt life insurance plan offers yet another advantage over a trust - it allows you to maintain control of it until you decide the time is right to transfer the policy, along with it's cash value, to your child or grandchild. On the other hand, trusts typically allow you to maintain control only until the child reaches age 18 or 19.

Usually, when a life insurance policy is transferred from one party to another, a disposition is deemed to occur, and a taxable policy gain may occur. Fortunately, when a life insurance policy is transferred to the child of a policy holder, special provisions in subsection 148(8) of the Income Tax Act apply to the transaction, thus avoiding any taxable policy gain. Under these provisions, the policy is transferred to the child at the original Adjusted cost Basis (ACB), which affords the parent or grandparent the opportunity to create a significant cash accumulation in the exempt policy, while avoiding a taxable gain at the time of transfer to the child.

The tax-advantaged roll over of a life insurance policy applies as long as:

An interest in a life insurance policy is transferred to the child of a policy holder
No consideration is exchanged for the transfer of the policy
The life insured under the policy is the child of the policyholder or transferee
(See Tax Tip #4 for the definition of "child" as it pertains to this roll over).

Let's consider an application of a cash-value life insurance policy to transfer wealth to a younger generation ....

Grandpa deposits $5,000 a year for 10 years into an exempt life insurance policy. In 10 years, when granddaughter is 18 and eager to continue her education at university, Grandpa transfers the policy to her. Granddaughter can then withdraw the cash value Grandpa built up in the policy to fund her education. Granddaughter is in a low tax bracket at this point in her life, so the net withdrawals are maximized.

As the Income Tax Act restricts the amount of tax advantaged cash accumulation permitted within an exempt life insurance policy, there may be limited opportunity to create the desired cash value if the life insured is a young person. As a result, the amount of money you desire to tax-shelter within an exempt life insurance policy on a young child's life may exceed the amount of life insurance actually available on that child's life, due to financial underwriting limitations. To overcome this obstacle, Grandpa could have made his adult daughter the life insured under the policy as she is likely eligible to be underwritten for a greater face amount of life insurance. Grandpa could still roll the policy over to Granddaughter at age 18 on a tax-exempt basis, because the conditions listed above are still satisfied.

It's important to note that the policy holder must be alive at the time of the transfer. If you attempt to have the transfer executed under the terms of your will, the policy will not directly roll over to the child, but to your estate, instead. To prevent this situation from arising upon your death, you could name the child as the successor owner of the policy. This way, upon your death (the death of the policyholder), the policy will not be considered part of the deceased's estate, according to the Insurance Act.

The Canada Customs and Revenue Agency has stated that the roll over provision described in subsection 148(8) will indeed apply in such a situation.

As we've seen above, an exempt life insurance plan can do more than simply provide a means for you to leave a legacy to your heirs; a tax-advantaged cash accumulation life insurance plan can also be used to transfer wealth between generations in a very tax efficient manner! 

If you don't have a Will, your wishes may not be followed, even if they are known. Instead, your estate is distributed according to provincial law. This could mean:


• the distribution of your assets to your heirs may be slower and more expensive

• your estate's value may be reduced due to higher taxes

• your spouse may receive less than you had planned

• your children may obtain their share upon reaching the age of majority, whether or not they are able to handle the responsibility

• family heirlooms may be sold, rather than passed on to succeeding generations

• the court will appoint someone youmay not otherwise have chosen to administer your estate.

Throughout life there are many opportunities to make mistakes and then correct them. In preparing for the eventuality of death, there is no second chance - you have to get it right the first time. Good estate planning and a properly drawn and up-to-date Will are the tools you need to ensure a secure future for your family.

Today, an up-to-date Will isn't just something that's nice to have. There are legal consequences of inadequate Will planning.


To help you prepare or update your Will, there are some online legal documents/forms a comprehensive package to help you define and organize your assets and liabilities. It also provides valuable information on choosing your executors and determining your beneficiaries.


Have you thought about the possible consequences to your family if you die without a Will or with an outdated Will? The results could be quite different from what you wanted. To make sure your final wishes are carried out, it's important to have a properly drafted and up-to-date Will.  Remember to review your Will  - your family and business conditions may have changed and you should have an ongoing and thorough review of your Will regularly.

美得不敢呼吸! These 3D pictures  take away my breath!

男女：

1. 問：你喜歡我哪一點？答：我喜歡你離我遠一點！

媽媽說人最好不要錯過兩樣東西，最後一班回家的車和一個深愛你的人。

學問之美，在於使人一頭霧水；女人之美，在於蠢得無怨無悔；男人之美，在於說謊說得白天見鬼。

4. 問世間情為何物，不過一物降一物。


房事：

我問1個在深圳工作了20年的朋友：「如果你死後，你的墓誌銘打算寫點啥？」他說：「我解決了住房問題！」

如果中了1千萬，我就去買30套房子租給別人，每天都去收一次房租。哇~~充實!

上帝欲使人滅亡，必先使其瘋狂；上帝欲使人瘋狂，必先使其買房。


職場：

諸葛亮出山前，也沒帶過兵！憑啥我就要有工作經驗？

在非洲，瞪羚每天早上醒來時，他知道自己必須跑的比最快的獅子還快，否則就會被吃掉．獅子每天早上醒來時，他知道自己必須追上跑得最慢的瞪羚，否則就會被餓死．不管你是獅子還是瞪羚，當太陽升起時，你最好開始奔跑。

事業是國家的，榮譽是單位的，成績是領導的，工資是老婆的，財產是孩子的，錯誤是自己的。

上班無聊嗎？拋硬幣玩吧，正面就上網，反面就睡覺，豎起就工作，傾斜就努力工作，摔粉碎了就申請加班，如果摔出兩枚，那就天天摔！


金錢：

那天看到一位大媽在燒紙，邊燒邊嘟囔：收到了全都買基金吧~~

我能容忍身材是假的，臉是假的，胸是假的，臀是假的！但就是不容忍錢是假的！

同志們：別炒股，風險太大了，還是做豆腐最安全！做硬了是豆腐乾，做稀了是豆腐腦，做薄了是豆腐皮，做沒了是豆漿，放臭了是臭豆腐！穩賺不虧呀。

我終究沒能飆得過那輛寶馬，只能眼看著它在夕陽中絕塵而去，不是我的引擎不好，而是我的車鏈子掉了。

Excellent pictures but sad memories

哇! 這樣還要吃豬．．．．人肉嗎？
 
阿彌陀佛！這只有從佛教的因果輪迴可以解釋吧！讓我們以慈悲心來看待，感恩牠的示現讓我們心生警悌。
 
雲南省盈江縣昔馬鎮山上發現豬人
 好恐怖喔 ! 


世界無奇不有， 2010年3月10日有個叫石老二的採藥人在昔馬的山林裏發現了一窩豬人，當時見多識廣的老二當場暈倒過去，當他醒來，發現有一頭 小豬 人在舔著他的臉，他再次暈倒。不知過了多久他再次醒來，他爬著去找了王氏兄弟和江哥等朋友來幫忙，在他們的幫助下幾經努力，終於把這窩豬人給弄到了平原，這是在大盈江廣場展出時拍攝的照片。


 

We could all learn to put into practice at least some of these principles. If we do not want to or are unable to, at least we can enjoy the photos

突然看到這樣一個消息，也不知道是真是假，但還是被嚇了一跳，所以轉過來給大家看看。

     

    最近，一個剛從四川出來做護工的農村婦女，她剛向國家收購站賣了她用5個 多月時間養成的十六頭豬。

    她告訴了我一個很多很多人都知道，又有很多很多人都不知道的公開的秘密：

    病從口入，現在人們吃的很多東西，不可能不讓人們快速走入"悲慘世界"。

    

    她說，十幾斤重的小豬養到200至300斤的成豬，只需5到6個月，"現代化"高速養豬法已完完全全 普及到成千上萬個各種各樣養豬專業戶。不管大豬，小豬每天都要吃2斤至3斤飼料，分2頓喂。飼料是用100斤糧食拌幾十斤添加 劑。一切奇跡都在添加劑中。

    小豬從10多斤到50多斤，吃了拌有添加劑的飼料，每天長 1斤多肉，這時 侯的豬還有精神在豬圈中跑幾圈。

但是，隨著這種拌有添加劑的飼料攝入時日的增加，小豬長到50斤以 上時，每天也吃2至3斤飼料，開始大量喝水，每天要長2至3斤肉，

這時的豬開始出現24小時幾乎都在睡覺的現象。除了吃食時，被人打醒。

 

為了讓豬毛髮發亮，漂亮，賣出好價格，豬長到100斤的時候，每天每100斤飼養除拌入添加劑外，還要 加入幾斤化肥尿素顆粒。

化肥是給土地施肥的也拿來喂養動物。這種靠喂拌了添加劑的飼料快速催肥的 豬，必須在200斤至300斤左右賣掉，否則豬就站不起來了。

這飼料裡添加劑的主要成份：含有大量激素，安眠藥，等大量藥物。這一鐵的事實，所有的養豬專業戶，都非常非常清楚。

為此他們自己大都不吃用 靠添加劑催肥而養出來的豬，而專門養幾頭豬，從不喂拌有添 加劑的飼料，供自已家人食用。

 

請看兩種喂養方法對比：　

1.          喂添加劑的豬 (供給社會用)

l          喂添加劑豬 (一天吃2至3斤拌添加劑的飼料)　

l          喂添加劑的豬(除吃飼料,喝大量水的一點時間外,幾乎24小時都是睡覺)　

l          喂添加劑的豬(不停在圈裡運動，用水正常)　

l          喂添加劑的豬(5至6個月就長到200至300斤)　

2.          不喂添加劑的豬 (供自已家人食用)　

l          不喂添加劑的豬 (一天吃7至8斤不含添加劑的天然飼料)　

l          不喂添加劑的豬(需12個月才長到200斤)　

拌入添加劑的飼料，13元l斤。國家收購成豬價格每斤4元，她5個月下來，除了成本，每月收入幾百元。

如果採用傳統方法養豬，不靠添加劑短時間內催肥，百分之百要虧錢。　

她還告訴我： 所有雞、鴨、魚、牛、羊喂養全都採用這樣類似的"組合飼料"。我們國家僅靠短短幾年 時間就成為全球產肉第一大國，

靠的就是專門使用添加劑催肥催長的各類"現代化"的養殖專業戶,這是鐵的事實。

在這裡，我只想說說最害人的食品確是我們吃得最多的--豬肉以及豬肉製品。　

 

在農民心裡，甚麼樣的飼料才是好飼料呢？答案是：

1、豬吃了長得快的飼料

2、豬吃了長得皮紅毛亮的飼料

3、豬吃了馬上就睡的飼料

4、豬吃了糞便是黑色的飼料　

農民一般就把這幾個標準綜合起來確定一種飼料的好壞。

這麼一來，讓飼料廠家和銷售商絞盡腦汁的問題出現了：

怎麼樣才能使一種飼料能達到這幾種效果呢？

當然通過平常的在飼料中添加魚粉，豆粕的方 法是肯定行不通了，只有找"捷徑"來達到目的。　

1.          在飼料中添加激素刺激豬的生長速度，而這種激素肯定要價格低廉，價格低     廉也就決定了這種激素非常低劣，這種低劣的激素對人體有很大的害處，特別是對發育的年輕人，能使不到年齡的女孩子提早來月經，使老年人誘發疾病等等。　

 

2.          在飼料中添加砷制劑來使豬皮紅毛亮。砷，這不要我說了吧？誰都知道!是劇毒品。 (農民以為皮紅毛亮是有營養的表現，其實是豬輕微的中毒)　

3.          在飼料中添加鎮靜劑，如本巴比妥等催眠鎮靜藥。有的人吃了豬肉有昏昏欲睡的感覺就是這個原因， 長期吃這種豬肉使人的頭腦遲鈍 。(農民以為豬吃了睡覺是好飼料)震驚！一位養豬專業戶告訴我：吃豬肉等於自殺

4.          更加好笑的是，不知道為甚麼農民認為豬拉黑色的大便也是好飼料的特徵，其實正常的***是黃褐色 的，因為農民有此愛好，所以飼料廠家就拼命的添加高銅，這樣才能使大便變黑。豬肉中含有高銅，人過多的食用對智商和健 康有巨大的影響。　

用含有大量藥物、化學製劑的添加劑來喂養各種有血有肉的動物，人類的貪婪使各種動物生命變得如此 之短，再短。

而整天食用這些動物的人類呢？

這些化學藥物、化學添加劑等長期在體內沉積，對人體的生長發育造成極壞影響，誘發人體產生各種長期的不適症狀、痛苦病症以至於最終誘發癌症。

看了上面我說的，大家心裡應該有數了吧。

另外，告訴大家：豬肝，豬血，豬肺是含毒素最多的，最好不要食用。此外還告訴大家一個秘密，飼料相關的生產廠家和銷售人員基本上是不吃豬肉的。
 

Its is all about How to Preserve Your Estate

There is currently no official estate taxes imposed on Canadaians at the time of their death.  As a result there is a perceived notion that our estates will remain intact for the future genereations.  This is a illusion for most Canadians upon their death face taxes  triggered off on the following:

               * Tax sheltered investments
                * Capital gains
                * Probate fees

Tax sheltered investments
Registered Retirement Savings Plan are one of today's most attractive savings vehicles - largely due to the deferral of tax on the amount deposited.  Billions of dollars are currently invested in these vehicles which can be in either the accumulation of payout stage.  They may include:

                 *RSP- Registered Retirements Savings Plans
                 *RRIF- Registered Retirement Income Funds
                 *LA - Life Annuities

The tax impact on death can be significant in that the entire sum of money in the savings vehicle is included in your terminal return and taxed at your marginal tax rate along with all other income.  e.g. if your investment total is $100,000 and you are currently taxed at 50%, the taxes to your estate could be $50,000.

Your are however allowed a rollover to a spouse without incurring the tax.  This can be done by naming your spouse as the beneficiary of the investment.  Using the spousal rollover provision you can transfer your assets to your spouse without triggerig any taxation, however the tax will be incur on the death of your spouse.

Capital Gains

When you die all the capital assets in your estate are treated as if they were sold at their fair market value immediately before death.  Your estate is then taxed on 75% of the increase in value of the capitals asset from the time of purchase.

While not taxed as severely as income, capital gains taxation can place a significant burden on the estate as if you required liquidity which may not be available.  This could result in the untimely forced liquidation of the assets.  The basic method for calculating capitals gains is the fair market value less the adjusted cost base usuallly equal to the original purhcase price plus selling expenses.

While your principal residence is not subject to this tax assets that may be included are the following:

                             * other real estate
                             * certain bonds
                             * shares in a corporation
                             * interests in a partnership
                             * mutual funds

Capital gains taxation applied to worldwide capital assets.  Therefore if you have foreign investments you may not only be subject to the Canadian capital gains tax but possibly a similar tax by the country in which your asset resides.

Probate  Fees
Every province with the exception  Quebec imposes probate fees.  With Ontario having the highest by a wide margin.  It can be argued that this is more of a wealth tax than a fee.

Probate is usually requred by third parties who seek assurance of the extent of the executor's authority.  While probate may only be necessary for certian assets once it is required the entire value of the estate could then be subject to probate fees.

Professional advise is recommended especially for large estates as there are many planning tools that can used to either avoid or reduce the amount of probate fees.  However probate does in many situation serve a valuable and necessary purpose and  should not be avoided.

The role of life insurance in estate preservation

There are 3 primary funding methods available to pay for the taxes incurred on death:

   *Borrow or use personal funds
   *However funds may not be availabe at the time of death and borrowing may place        an unnecessary burden on  your heirs.
   * Liquidate the asset
     This is a common response to the capitals gains tax.  However this forced       l               liquidation may not be well  timed and the price received may be a lot less than              the expected value.
 
    *Life insurance
This is increasingly becoming the funding vehicle of choice.  lIfe insurance with it's tax-free payout on death and tax-free accumulation, is undoubtedly one of the most cost-efficient estate planning tools that can be used to either reduce or elimiate the impact of these tax laiabilities.

I can offer a broad range of permanent life insurance products that can be used to fund the preservation of your estate.  Some products allow for the possibility of a spousal rollover.  These policies known as the Joint Last to Die concept only pay on the dealth of the second life insured.

By implementlng a financial plan which takes advantage of the tax-free benefit of life insurance a large portion of your estate can be preserved.

Reduce Estate Tax By Making Gifts

You can do a lot to minimize your estate taxes before you die. One way is to make some gifts.
 
Choosing The Right Financial Adviser. Like hiring a personal trainer, finding the right financial adviser can help whip your finances into shape.

You can't take your wealth with you, but you don't have to give it all to the government either.

Estate Planning

Here are ten things you need to know about estate planning.
Estate Planning In The Digital Age

If you died, could anyone access your online accounts?


An estate plan will help your loved ones avoid delays, legal problems and uncertainty.
Grandma's Got A Boyfriend, Now What?

The older you are, the more complicated your finances, especially if you're combining households.

Critical Illness Statistics
Of 10 Healthy male adults, 3 will have a critical illness before age 65
Of 10 healthy female adults, 2.7 will have a critical illness before age 65

Insure against Heart Attack
(From the Heart and Stroke Foundation)
1 in 4 Canadians will contract some form of heart disease
75,000 Canadians suffer heart attacks each year
Heart disease costs the Canadian economy approximately $19 billion every year in medical services, hospitalization expenses, loss of income and loss of productivity

The rate of death among patients hospitalized for heart attacks has been decreased by half, from 16 per cent to 8 per cent
1 in 2 heart attack victims are under the age of 65




Insure against Stroke
(From the Heart and Stroke Foundation)
50,000 Canadians suffer a stroke each year
75% survive the initial event
strokes are the leading cause of neurological disability

1/3 of stroke victims are under the age of 65
60% of stroke victims will be left with a disability

Insure against Cancer
(From the Canadian Cancer Society)
more than 130,000 Canadians will be diagnosed with cancer this year
over 60,000 people in Canada will die this year from the disease
1 in 3 Canadians will develop cancer in their lifetime

1 in 9 women will develop breast cancer
1 in 3 women and 1 in 2.5 men will develop cancer in their lifetime.



Insure against Coronary Artery Bypass Surgery
(From the the Heart and Stroke Foundation of Ontario/Canada)
bypass surgery is performed more on men than women by a ratio of nearly 4 to 1
there are approximately 11,000 bypass surgeries performed in Canada each year
the rate at which bypass surgery is performed on people age 65 and older has increased


Insure against Multiple Sclerosis
(From the Multiple Sclerosis Society of Canada)

More than 50,000 Canadians have Multiple Sclerosis
MS is the most common neurological disease among young Canadians
Canadians have one of the highest rates of MS in the world.

Women are twice as likely to develop MS as men

Insure against Parkinsons Disease
(From the Parkinson's Foundation of Canada)
30% of all Parkinson's patients are under 50
20% of all Parkinson's patients are under 40
there are approximately 80,000 - 100,000 Canadians suffering from Parkinson's




Insure against Paralysis
(From the National Spinal Cord Injury Association of Canada)

There is an estimated 900 Canadians who sustain a spinal cord injury each year
More than 30,000 Canadians suffer from paralysis of 2 or more limbs
Most persons who suffer spinal cord injury are between 16 and 30 years of age

The most common causes of spinal cord injury are car collisions and falls


Insure against Alzheimers Disease
(From the Canadian Alzheimer Society)

Alzheimer Disease is the fourth leading cause of death in Canada
Every year approximately 10,000 Canadians die from Alzheimer's
Approximately 1 in 100 Canadians suffer from Alzheimer's disease

There are approximately 22,000 people in Metro Toronto with Alzheimer's


The disease occurs in 8% of the general population over 60


Insure against Kidney Failure
(From the Kidney Foundation of Canada)

Kidney disease ranks sixth among diseases causing death in Canada
Each day an average of 8 Canadians learn that their kidneys have failed
Approximately 2000 Canadians are on a waiting list for kidney transplant

351 kidney transplants were performed in Ontario in 1995


1 in 10 will develop kidney stones at some point in their lives



Insure against Deafness
(From the Canadian Hearing Society)

280,000 Canadians are deaf
1,120,000 Canadians are hard of hearing
1,400,000 do not use amplification

There are more than 2,800,000 Canadians with hearing loss



Insure against Occupational HIV
(From the Canadian Aids Society)

Approximately 4.4 million health care workers suffer 800,000 needle sticks and other injuries from sharp objects annually
An estimated 16,000 of these objects are contaminated with HIV

Everyone has a relative or friend who has suffered from one of the above illnesses.  It is a fact of life. ... Protect yourself and your family.  The numbers speak for themselves:

One person in four will suffer a Heart Attack. The second highest age risk is 20 to 30.

One person in three will be diagnosed with Cancer. One in four will die from this illness.



Would you agree with me that  we all  concern  about our money if something critical happened  to our health?

Would a  cash benefit of $100,000 have made the health recovery easier for both the sick and the family?

Critical Illness Insurance is your first choice because recovery wll be your first priority.

By Sheri Abrams

WHAT DOES A WILL DO?

The simplest way to ensure that your funds, property and personal effects will be distributed after your death according to your wishes is to prepare a will. A will is a legal document designating the transfer of your property and assets after you die. Usually, wills can be written by any person over the age of 18 who is mentally capable, commonly stated as "being of sound mind and body."

WHO NEEDS A WILL?

Although wills are simple to create, about half of all Americans die without one (or Intestate).  Without a will to indicate your wishes, the court steps in and distributes your property according to the laws of your state. Wills are not just for the rich; the amount of property you have is irrelevant. A will ensures that what assets you do have will be given to family members or other beneficiaries you designate. If you have no apparent heirs and die without a will, it's even possible the state may claim your estate.

Having a will is especially important if you have young children because it gives you the opportunity to designate a guardian for them in the event of your death. Without a will, the court will appoint a guardian for your children who may be someone you do not even know.

WHAT ARE THE ELEMENTS OF A WILL?

What you generally need to make a  will:

1) Your name and place of residence;

2) Names and addresses of spouse, children and other beneficiaries, such as charities or friends;

3) Alternate beneficiaries, in the event a beneficiary dies before you do;

4) Name and address of an Executor/ Executrix to manage your estate;

5) Name and address of an alternative Executor/Executrix, in the event your first choice is unable or unwilling to act;

6) Name and address of a guardian for your minor children;

7) Name and address of an alternative guardian, in the event your first choice is unable or unwilling to act;

8) The age you wish your minor children to have control of their inheritance;

9) Any burial requests you may have  (cremation, where you want to be buried, etc.);

10) Your signature;

11) Two Witnesses' signatures; and

12) Notarization.

Two of the most important items included in your will are naming a guardian for minor children and naming an Executor/ Executrix.

WHAT IS A GUARDIAN?

In most cases, a surviving parent assumes the role of sole guardian. However, it's important to name a guardian for minor children in your will in case neither you nor your spouse is able and willing to act. The guardian you choose should be over 18 and willing to assume the responsibility. Talk to the person ahead of time about what you are asking. You can name a couple as co-guardians, but that may not be advisable. It's always possible the guardians may choose to go their separate ways at some later date, and, if so, a custody battle could ensue. If you do not name a guardian to care for your children, a judge will appoint one, and it may not be someone you would have chosen.

WHAT IS A EXECUTOR/EXECUTRIX AND WHAT DO THEY DO?

An Executor/Executrix is the person who oversees the distribution of your assets in accordance with your will. Most people choose their spouse, an adult child, a relative, or a friend to fulfill this duty.

If no Executor/Executrix is named in a will, a Probate Judge will appoint one. Probate refers to the legal procedure for the orderly distribution of property in a person's estate. The Executor/Executrix files the will in probate court, where a Judge decides if the will is valid. If it is found to be valid, assets are distributed according to the will. If the will is found to be invalid, assets are distributed in accordance with state laws.

Responsibilities usually undertaken by an Executor/Executrix include:

--Paying valid creditors;

--Paying taxes;

--Notifying Social Security and other agencies and companies of your death;

--Canceling credit cards, magazine subscriptions, etc.; and

--Distributing assets according to the will.

WHAT ABOUT UPDATING MY WILL?

You'll probably need to update your will several times during the course of your life. For example, a change in marital status, the birth of a child or a move to a new state should all prompt a review of your will. You can update your will by amending it by way of a Codicil or by drawing up a new one. Generally, people choose to issue a new will that supersedes the old document. Be sure to destroy the old will after you sign a new one.

WHAT ABOUT ESTATE TAXES?

The property included in your will may be subject to taxation. In planning your will, take into account the following:

---Federal estate taxes will generally be due if the net taxable estate is worth more than $1,000,000. This amount is scheduled to gradually increase from $1,000,000 in 2002/2003 to $3,500,000 in 2009 so that it will eventually shield $3,500,000 in gift or estate transfers from tax per taxpayer. Estates in excess of the exempt amount can be taxed at a rate from 37% to 50% (the top percentage is scheduled to gradually decrease to 45% in 2009). Also, note that these estate tax changes are scheduled to be repealed in 2010. If not extended, the tax law will revert to the estate and gift tax provisions in affect in 2001. Consult a tax or financial professional to determine a plan that is right for you and your family.

---State death or inheritance taxes

---Federal income taxes

---State income taxes

You may be able to minimize your estate tax by establishing a trust or giving gifts during your lifetime. You can also cover the cost of estate taxes by purchasing a life insurance policy intended to pay taxes. Talk to your life insurance agent to find out more about how this works.

WHERE SHOULD I KEEP MY WILL?

Once your will is written, store it in a safe place that is accessible to others after your death.  I suggest that you keep it in a fire proof box that you can purchase at any office supply store.  I do not suggest that you keep your will in a safe deposit box because many states will seal your safe deposit box upon your death.  Make sure a close friend or relative knows where to find your will.

WHAT IS A LIVING WILL?

A living will is not a part of your will. It is a separate document that lets your family members know what type of care you do or don't want to receive should you become terminally ill or permanently unconscious. It becomes effective only when you cannot express your wishes yourself.  Discuss your wishes as reflected in your living will with family members, and be sure all your doctors have a signed copy.

WHAT IS A POWER OF ATTORNEY FOR HEALTH CARE (HEALTH CARE PROXY)?

A power of attorney for health care (health care proxy) is not a part of your will. It is a separate document that authorizes someone you name to act in accordance with your medical intentions.  It becomes effective only when you cannot express your wishes yourself.  You should make sure that all your doctors have a signed copy.

WHAT IS A FINANCIAL DURABLE POWER OF ATTORNEY?

A financial durable power of attorney is not a part of your will. It is a separate document that authorizes someone you name to act in accordance with your financial intentions.  It becomes effective only when you cannot express your wishes yourself. You should make sure that all your financial professionals (stockbrokers, accountants, financial planners) and banks have a signed copy.

PLAN AHEAD

The end of your life is something you probably don't want to dwell on, but thinking about what will happen to your loved ones and your assets and personal possessions is important. Making sure you've done all you can to make their lives easier will give you peace of mind. And once your will is drafted, you won't have to think about it again unless something significant in your life changes.

About The Author

Sheri R. Abrams is an Attorney in Fairfax, VA.  Her practice is limited to the areas of Social Security Disability Law and the preparation of wills, living wills, health and financial powers of attorney.  Ms. Abrams is a graduate of Boston University's School of Management and the George Washington University School of Law.  Ms. Abrams is rated "AV" by Martindale-Hubbell.  More information can be found at http://www.sheriabrams.com

sheri@sheriabrams.com

Article Source: http://EzineArticles.com/?expert=Sheri_Abrams

Throughout life there are many opportunities to make mistakes and then correct them. In preparing for the eventuality of death, however, there is no second chance - you have to get it right the first time. Good estate planning and a properly drawn and up-to-date Will are the tools you need to ensure a secure future for your family.

Today, an up-to-date Will isn't just something that's nice to have. There are legal consequences of inadequate Will planning.


To help you prepare or update your Will, there are some online legal documents/forms a comprehensive package to help you define and organize your assets and liabilities. It also provides valuable information on choosing your executors and determining your beneficiaries.



  Have you thought about the possible consequences to your family if you die without a Will or with an outdated Will? The results could be quite different from what you wanted. To make sure your final wishes are carried out, it's important to have a properly drafted and up-to-date Will.  Remember to review your Will  - your family and business conditions may have changed and you should have an ongoing and thorough review of your Will regularly.



Why do I need will plan?

Why do I need a Will? What is the benefit of having a will?



A properly drafted Will is at the foundation of a financial plan. Having a valid Will means: • ensuring your family will have its future needs met



• your assets will be distributed according to your wishes
• the value of your estate will not be eroded unnecessarily through costly court and estate administration fees.



A Will, along with debt reduction, an emergency fund, disability insurance, life insurance and regular savings, provides a solid foundation on which to build your financial plan - protecting your family now and well into the future.



Your insurance advisor will be pleased to assist you in the preparation of your Will. He or she can also provide you with information on the use of life insurance in estate planning.



Manulife Financial Manulife Financial is a leading Canadian-based financial services company operating in 15 countries and territories worldwide. Through its extensive network of employees, agents and distribution partners, Manulife Financial offers clients a diverse range of financial protection products and wealth management services. Funds under management
by Manulife Financial (Manulife Financial Corporation and its affiliated companies) were Cdn$123.5 billion as at December 31, 2000. Manulife Financial Corporation trades as 'MFC' on the TSE, NYSE and PSE, and under '945' on the SEHK. Manulife Financial can be found on the Internet at www.manulife.com. For more information on Will planning, please contact your insurance advisor. MK0004E(02/2001) Ce document est aussi disponible en français sur demande.  MK0004 F. Manulife Financial and the block design are registered service marks of The Manufacturers Life Insurance Company and are used by it and its affiliates including Manulife Financial Corporation.



WILL PLANNING
It's important to have a Will so that, when you die, your wishes are followed. Your estate will be divided up as you wish, your children and other dependents will be taken care of and your assets will go where you want them to. Having a Will also avoids legal hassles which can be time-consuming and costly to those you leave behind.



What happens if I don't have a Will?

If you don't have a Will, your wishes may not be followed, even if they are known. Instead, your estate is distributed according to provincial law. This could mean:



• the distribution of your assets to your heirs may be slower and more expensive

• your estate's value may be reduced due to higher taxes

• your spouse may receive less than you had planned

• your children may obtain their share upon reaching the age of majority, whether or not they are able to handle the responsibility

• family heirlooms may be sold, rather than passed on to succeeding generations

• the court will appoint someone youmay not otherwise have chosen to administer your estate.


Why consult a legal advisor?

There are certain rules you must follow to have a valid Will. Careful wording is important and can mean the difference between a valid and an invalid
Will. If you do not consult a qualified professional advisor you may be leaving your heirs with legal headaches.

For example, if the court does not agree with the way you have prepared your Will, or parts of it are unclear, it may decide to change the Will or even
declare it invalid.



Each province has its own laws regarding Wills and your legal advisor will ensure that yours meets these requirements.



What questions should I consider before consulting a legal advisor?

• Who should be your executor and trustee? Have you obtained their consent? Is there an alternative choice? What powers do you want them to have?

• Who should be the guardian of your children if both you and your spouse die while the children are still minors?

• Do you want your children to inherit the estate after the death of your spouse?

• Are there any specific bequests to friends or charities?

• How do you want your business interests to be handled?

• How do you want your home to be dealt with?

• What do you want done with your household goods, car and personal effects?

• Do you want to set up a trust fund for someone?

When should my Will be updated?



Once you have prepared your initial Will, you must remember to keep it updated. You should review your Will regularly and amend it whenever there is a significant change in your life or to the lives of your heirs (e.g. marriages or divorces, births or deaths, children growing up, the purchase or sale
of a business, etc.). You should also review your Will if there are changes to
income tax, family or .succession laws.

By John Mussi

It is everyone's hope to be able to retire in relative comfort in their later years, after they've paid their dues and worked hard at their chosen profession for what may seem like the majority of their life. Unfortunately, many people find retirement a much loftier goal than they had originally envisioned... though they've spent years working, it seems that they neglected to build a savings or make plans for the money that they would need for the day-to-day expenses of living.

Luckily, it doesn't take much to establish plans on how to pay for your retirement and those plans can generally be put into action quite easily. Here are a few suggestions that you might want to think about and possibly incorporate into your own retirement plans.

Start Saving Early

The first thing that you can do to help ensure that you'll have the money you need to retire on is to begin saving for your retirement earlier in life. As soon as you can afford to, begin putting money into a savings account that was opened specifically for building up savings for your retirement. Many banks have specialized retirement accounts that offer slightly better interest rates but which carry fines for early or excessive withdrawal. This might be just the thing for individuals who find it difficult to simply leave money in the bank for long periods of time... they can still access the money if needed, but they'll have to pay the fines associated with it as well.

Make Smart Investments

A well-diversified stock portfolio can help to build up a retirement fund as the years go by. Some specialized stock plans (such as IRA's) are even designed for retirement planning and have special features such as tax deferral until the plan is cashed in after retirement. These plans aren't a necessity if you're wanting to help build a retirement fund using the stock market, however; carefully choosing stocks that will likely perform well over a long-term investment that are balanced by mutual funds, precious metal and industrial indexes, and a variety of bonds and other investments can do just as well without a specialized investment plan.




Consider Retirement Plans from Work

Most workplaces have some form of retirement plan available for employees, though these plans may vary from one employer to the next. Pension funds, while once quite common, are beginning to be offered less and less often in favor of employer-sponsored investment plans (such as 401(k) plans) and other types of retirement benefits. The various retirement plans that are offered by employers can differ greatly, and there are some employers that offer no retirement benefits at all. It's important to check with your employer before assuming whether any retirement plans are offered or not.

Plan for the Long Term

Whether you're utilizing bank features such as savings accounts and certificates of deposit, considering various investment plans through your preferred broker, or relying on the retirement plans that are offered by your employer, it's important that you keep the long-term goal of having the money that you need to pay for your retirement in mind. Weigh your options carefully and choose the retirement plan or plans (because you can do a little bit of everything if you want to) that are right for you and your retirement funding. Remember, it's never to early to start planning for the days of your retirement... and it's never to late, either.

You may freely reprint this article provided the following author's biography (including the live URL link) remains intact:

About The Author

John Mussi is the founder of Direct Online Loans who help homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

Article Source: http://EzineArticles.com/?expert=John_Mussi

Always  take a small magnet on your holiday, they come in handy at the end of  it.

Thought you all needed to know this:-
 
This is  pretty good info. Ever thought about key cards containing anything  other than an access code for the room?!  

HOTEL  KEY CARDS

Ever  wonder what is on your magnetic key card?

Answer:
a.  Customer's name
B.  Customer's partial home address
c.  Hotel room number
d.  Check-in date and out dates
e. Customer's  credit card number and expiration date!

When  you turn them in to the front desk your personal information is there for  any employee to access by simply scanning the card in the hotel scanner.. An  employee can take a hand full of cards home and using a scanning device,  access the information onto a laptop computer and go shopping at your  expense.

Simply  put, hotels do not erase the information on these cards until an employee  reissues the card to the next hotel guest. At that time, the new guest's  information is electronically 'overwritten' on the card and the previous  guest's information is erased in the overwriting  process.

But  until the card is rewritten for the next guest, it usually is kept in a  drawer at the front desk with YOUR INFORMATION ON IT!

The  bottom line is: Keep the cards, take them home with you, or destroy them.  NEVER leave them behind in the room or room wastebasket, and NEVER turn them  into the front desk when you check out of a room. They will not charge you  for the card (it's illegal) and you'll be sure you are not leaving a lot of  valuable personal information on it that could be easily lifted off with any  simple scanning device card reader.

For the  same reason, if you arrive at the airport and discover you still have the  card key in your pocket, do not toss it in an airport trash basket. Take it  home and destroy it by cutting it up, especially through the electronic  information strip!

If you  have a small magnet, pass it across the magnetic strip several times.. Then  try it in the door, it will not work. It erases everything on the  card.

Information courtesy of : Metropolitan Police Service.

    Shell Oil Comments - A MUST READ.......

    Safety Alert....!!!!
    
    Here's some reasons why we don't allow cell phones in operating areas, propylene oxide handling and storage area, propane, gas and diesel refueling areas.

    The Shell Oil Company recently issued a warning after three incidents in which mobile phones (cell phones) ignited fumes during fueling operations

    In the first case, the phone was placed on the car's trunk lid during fueling; it rang and the ensuing fire destroyed the car and the gasoline pump.

    In the second, an individual suffered severe burns to his face when fumes ignited as he answered a call while refueling his car!

    And in the third, an individual suffered burns to the thigh and groin as fumes ignited when the phone, which was in his pocket, rang while he was fueling his car..

    You should know that: Mobile Phones can ignite fuel or fumes

    Mobile phones that light up when switched on or when they ring release enough energy to provide a spark for ignition

    Mobile phones should not be used in filling stations, or when fueling lawn mowers, boat, etc.

    Mobile phones should not be used, or should be turned off, around other materials that generate flammable or explosive fumes or dust, (I.e., solvents, chemicals, gases, grain dust, etc...)

    TO sum it up, here are the Four Rules for Safe Refueling:
    
    1) Turn off engine
    2) Don't smoke
    3) Don't use your cell phone - leave it inside the vehicle or turn it off
    4) Don't re-enter your vehicle during fueling.

    Bob Renkes of Petroleum Equipment Institute is working on a campaign to try and make people aware of fires as a result of 'static current or electricity' at gas pumps. His company has researched 150 cases of these fires.

    His results were very surprising:

    1) Out of 150 cases, almost all of them were women.

    2) Almost all cases involved the person getting back in their vehicle while the nozzle was still pumping gas. When finished, they went back to pull the nozzle out and the fire started, as a result of static current or electricity.

    3) Most were on rubber-soled shoes.

    4) Most men never get back in their vehicle until completely finished. This is why they are seldom involved in these types of fires.

    5) Don't ever use cell phones when pumping gas.

    6) It is the vapors that come out of the gas that cause the fire, when connected with static current.

    7) There were 29 fires where the vehicle was re-entered and the nozzle was touched during fueling from a variety of makes and models. Some resulted in extensive damage to the vehicle, to the station, and to the customer.

    8) Seventeen fires occurred before, during or immediately after the gas cap was removed and before fueling began.


    Mr. Renkes stresses to NEVER get back into your vehicle while filling it with gas.
    If you absolutely HAVE to get in your vehicle while the gas is being pumped, make sure when you get out, close the door TOUCHING THE METAL PART, before you ever pull the nozzle out. This way the static current /electricity from your body will be discharged before you ever remove the nozzle.

    As mentioned earlier, The Petroleum Equipment Institute, along with several other companies now, are really trying to make the public aware of this danger.

    Please send this information to ALL your family members and friends, especially those who have kids in the car with them while pumping gas. If this were to happen to them, they may not be able to get the children out in time. Thanks for passing this along.

A cool idea to save energy. Please read below and see the video. KL

    The train that never stops at a station: How to get on and off the
    non-stop high speed train!  A new Chinese train innovation - How to get on & off the bullet train without stopping.

    No time is wasted. The bullet train is moving all the time.

    There are 30 stations between Beijing and Guangzhou, so just stopping and accelerating again at each station will waste both energy and time. A mere 5 min stop per station (elderly passengers cannot be hurried) will result in a total loss of 5 min x 30 stations or 2.5 hours of train journey time!

    The Chinese are innovative enough to come up with a non-stopping train concept.

    When the train arrives at a station, it will not stop at all. The passenger at a station embarked onto to a connector cabin way before the train even arrive at the station. When the train arrives, it will not stop at all. It just slows down to pick up the connector
    cabin which will move with the train on the roof  of the train. While the train is still travelling away from the station, those passengers will board the train from the connector cabin mounted on the train's roof.

    After fully unloading all its passengers, the cabin connector cabin will be moved to the back of the train so that the next batch of outgoing passengers who want to alight at the next station will board the connector cabin at the rear of the train roof.

    When the train arrives at the next station, it will simply drop the
    whole connector cabin at the station itself and leave it behind at the
    station. The outgoing passengers can take their own time to disembark at the station while the train had already left. At the same time, the train will pick up the incoming embarking passengers on another connector cabin in the front part of the train's roof. So the train will always drop one connector cabin at the rear of its roof and pick up a new connector cabin in the front part of the train's roof at each station.

Chinese_non-stop_bullet_train.WMV

    In the week that Britain's high-speed rail link closed down because the wrong sort of snow interfered with the engine's electronics, China unveiled the world's fastest train service on one of the coldest days of the year.
     
    China's new system connects the cities of Guangzhou and Wuhan at an average speed of 217mph - and it took just four years to build.  The super-high-speed train reduces the 664-mile

journey to just a three-hour ride and cuts the previous journey time by more than seven-and-a-half hours.


    
    
    Travelers boarded a high-speed train which headed to Guangzhou in Wuhan, Hubei Province, on Boxing Day
    
    The train can go at 245mph, it's the fastest train in operation in the world.  Test runs for the service began earlier in December and the link officially went into service when the first scheduled

train left the eastern metropolis of Wuhan on Saturday.
    
    By comparison, the average for high-speed trains in Japan was 150mph while in France it was 172mph.  Beijing has an ambitious rail development programme aimed at increasing the national

network from the current 53,437 miles to 74,564 miles, making it the most extensive rail system outside the United States.
    
    
    http://i.dailymail.co.uk/i/pix/2009/12/26/article-0-07B3548E000005DC-766_964x388_popup.jpg


    
    The link is expected to pose a real threat to airlines running flights linking the cities.  High-speed rail has three advantages over air travel: it is more convenient, more punctual and has a better

safety record.  The network uses technology developed in co-operation with foreign firms such as Siemens, Bombardier and Alstom.
    
    Tickets for the service - which also stops at Changsha, capital of Hunan - went on sale at new stations in the three cities last weekend, with prices ranging from 780 yuan (£71) for first class to 490 yuan (£45) for second class.
    
    
    Passengers arrived at Guangzhou


 

这些对联太搞笑了，不服不行啊 !

(要用普通話讀才傳神)


上联：风声雨声读书声，我不出声。
下联：家事国事天下事，关我屁事。
横批：一边玩去。


上联：男生，女生，穷书生，生生不息。
下联：初恋，热恋，婚外恋，恋恋不舍。
横批：生无可恋


上联：博士生，研究生，本科生，生生不息。
下联：上一届，这一届，下一届，届届失业。
横批：愿读服输


上联：金沙江，嘉陵江，黑龙江，江江可投。
下联：实验楼，教学楼，宿舍楼，楼楼可跳。
横批：空前绝后


上联：爱国爱家爱师妹。
下联：防火防盗防师兄。
横批：恋爱自由


上联：风在刮，雨在下，我在等你回电话；

下联：为你生，为你死，为你守候一辈子。
横批：发错人了。


上联：看背影急煞千军万马。
下联：转过头吓退百万雄师。
横批：我的妈呀


上联：考试不作弊来年当学弟。
下联：宁可没人格不可不及格。
横批：就是要过


上联：麻将扑克金花，输完之后回家。
下联：古道西风瘦马，断肠人在天涯。
横批：惨啊


上联：去除数字一和二。
下联：还有四五六七九。
横批：只剩三八


上联：说你行你就行不行也行。
下联：你说不行就不行行也不行。
横批：不服不行。


上联：为你痴为你累为你受尽所有罪。
下联：为你死为你狂为你咣咣撞大墙。
横批：为爱疯狂。


上联：我爱的人名花有主。
下联：爱我的人惨不忍睹。
横批：命苦。


上联：在上为帅。
下联：在下为猪。
横批：天蓬元帅。


上联：假名假姓假地址。
下联：骗吃骗喝骗感情。
横批：愿者上钩。 　　


上联：红米饭南瓜汤，老婆一个孩子一帮。
下联：红米饭王八汤，孩子一个老婆一帮。
横批：与时俱进。 　　


上联：上压下层层加码，马到成功。
下联：下骗上节节掺水，水到渠成。
横批：皆大欢喜。 　

　
上联：爱与被爱都艰难。
下联：有情有缘要时间。
横批：情义无价

    男女故事 个个精彩
  

    一、关于信任
    --个女人有--晚没回家，隔天跟老公说自己睡在--个女性朋友那里，她老公打电话给她最好的1O个朋友，没有--个朋友知道这件事！
    --个男人有--晚没回家睡，隔天他跟老婆说他睡在--个兄弟那里，她老婆打电话给他最好的10个朋友，有8个好兄弟确定她老公睡在他们家......
    还有2个说："今天你老公还在我那儿！"
    某人把此帖给老婆看，没想到他老婆兴致大发，立刻打电话给他的朋友问他是否在他们那里。结果可想而知，再次论证了上述观点！更离谱的是有一哥们竟然说他在他家喝醉了，正睡着呢，还问他老婆要不要喊他起来接电话？
    在挂了电话后，那哥们的电话马上打到他手机上，一接通没等他说话就大喊：在哪呢？快回家吧，你老婆找你呢，我说你在我家喝醉了......回去前别忘了先喝酒......通完话，他看着老婆默默无语......
    解读：我们都听过狼来了的故事。却不知道自己每天都在喊着狼来了。当我们口口声声要求对方的信任时。不要忘了信任的另一面是问心无愧。

    二、关于本能
    一家专营女性婚姻服务的店在市中心全新开张，女人们可以直接进去挑选--个心仪的配偶。在店门口，立了一面告示牌：--个人只能进去逛--次!店里共有六层楼，随着高度的上升，男人的质量也越高，不过请注意，顾客能在任何一层楼选--个丈夫或者选择上楼，但不能回到以前逛过的楼层......
    --个女人来这家店寻找--个老公。一楼写着：这里的男人有工作。女人看也不看就上了第二层楼，二楼写着：这里的男人有工作而且热爱小孩。女人上了三楼，三楼写着：这里的男人有工作而且热爱小孩，还很帅。哇！她叹道，但仍强迫自己往上爬。四楼：这里的男人有工作而且热爱小孩。令人窒息的帅，还会帮忙做家务。哇！饶了我吧！女人叫道，我快站不住脚了！接着她仍然爬上了五楼。五楼：这里的男人有工作而且热爱小孩，令人窒息的帅，还会帮忙做家务，更有着强烈的浪漫情怀。女人简直想留在这一层楼，但仍抱着满腹期待走向最高一层。第六楼出现了一面巨大的电子告示板，上面写道：你是这层楼的第123456789位访客，这里不存在任何男人，这层楼的存在只是为了证明女人有多么不可能取悦。谢谢光临......
    不久，一家专营男性婚姻服务的店在街对面开张，经营方式与前者--模--样。第一层的女人长得漂亮。第二层的女人长得漂亮并且有钱......结果，二层以上，第三层至六层的楼层从来没有男人上去过......
    解读：女人的本能是幻想。男人的本能是现实。这就是为什么优秀的剩女永远多于优秀的剩男的原因，也是为什么婚姻里的怨女多过怨男的理由。与其两手空空，还是抓住现有的优点吧，和爱人的优点过日子。

三、关于性别
男生用提款卡领钱：把车停在提款机旁，插入提款卡，按入密码，拿钱，取卡和收据。
女生用提款卡领钱：把车停在提款机旁，用后视镜补补妆，把引擎熄火，把钥匙放在皮包里，下车。翻遍皮包找提款卡，插入提款卡，翻遍皮包找那张写有密码的口香糖锡箔纸，按入密码，读屏幕上的指示，花掉两分钟。按取消键，重新输入正确的密码，查询账户余额，再读一次屏幕指示，选择提取现金。走进车子，用后视镜补补妆，翻遍皮包找钥匙，发动引擎，开了5米停止。倒车回到ATM，用后视镜补补妆，下车，拿钱、提款卡和收据，上车，用后视镜补补妆，翻遍皮包找个位置放提款卡。换倒挡，排档，开车。开了十公里后，把手刹放掉。
解读
看完此文，终于明白为什么上帝要在制造男人后又制造出女人，因为两者的完全不可替代性。所以不要要求男人像女人那样细心体贴，就像不要要求女人像男人那样干脆果断.

四、关于改变
热恋的时候，男人抱着女人睡。女人说："你抱得我太紧了，我快窒息了。"男人笑着说："喜欢抱着你，否则我睡不着。"当他们成为夫妻以后，有一天女人投诉："你晚上睡觉都没抱着我，这和我--个人睡有什么分别？"男人说："抱在一起，大家都睡不好，难道你不觉得吗？"
某天，男人会突然在闹市中把女人抱起，走长长的一段路。女人笑说："你疯了吗？快把我放下来，让人看到不好。"男人说："怕什么？我喜欢抱着你。"若干年以后，女人在闹市中向男人撒娇："抱我！"男人说："你疯了吗？"
某天，女人跟男人说："抱我上床！"男人乖乖弯腰，把女人抱上床。若干年以后，女人跟男人说："抱我上床！"男人没好气地说："你脚断了吗？"
某天，男人向女人许诺："即使你将来变成--个大肥婆，我也要天天抱你；你变成老太婆，我也继续抱着你。"若干年以后，女人胖了，也老了，要男人抱。男人没好气地说："你想压死我吗？"
解读
很难相信，当天抱你和若干年之后不抱你的，竟是同--个男人.


五.关于需求
0-5岁：女→妈妈；男→妈妈
6-10岁：女→不是讨厌的男孩子就可以了；男→可以陪我欺负女孩子的男孩。
11-15岁：女→十五六七八岁的大哥哥；男→足球、篮球、网球、乒乓球......
16-20岁：女→十七八岁大家都称赞的"大帅哥"；男→女人，女人就可以了！
21-25岁：女→25-29岁的男人，有事业、品位、才华......；男→20-24岁漂亮又有身材的女人。
26-30岁：女→仍是坚持要比自己年纪大的男人；男→20-24岁漂亮又有身材的女人。
30-40岁：女→心灵契合的好男人；男→20-24岁漂亮又有身材的女人。
40-50岁：女→男人；男→20-24岁漂亮又有身材的女人。
50-60岁：女→可与她终老的男人；男→20-24岁漂亮又有身材的女人。
70-80岁：女→五六十岁时找到的那个，不需要自己照顾；男→20-24岁漂亮又有身材的女人。
80-90岁：女→比自己迟死的男人；男→虽然我已经老花眼，看不清楚......但是我还是希望是20-24岁漂亮又......
 

    醫學專家警告 ...
    睡前、洗澡時候，水分流失量大，已經養成睡前不吃東西不喝水習慣的人，
    容易造成血液中水分不足，而引起腦梗塞或心肌梗塞的危險。
    
    人在睡眠中仍會消耗一至兩杯左右的水分，從晚餐後到第二天早上起床前，
    如果都不補充水分，第二天早上起床或快天亮的時侯，最容易發生血栓，
    使血管堵住，引發心臟病及腦部疾病。 國人在習慣上喜歡睡前沐浴，
    洗個乾乾淨淨的澡再上床，但洗澡的時候最容易流失水份，所以醫生建議，
    洗澡後應該要馬上補充水分，如果有泡澡習慣的人，則應該在洗澡前先喝一大杯水，
    以免在浴室停留太久，流失過多的水分，輕者也會發生呼吸困難、休克的現象。
    
    夏天開冷氣睡覺能睡得好一點，不過冷氣有防溼乾燥的作用，更是會流失水分，
    因此有開冷氣睡覺習慣的! 人! 更應該睡前喝水，但是不要喝茶，因為醫生說，
    茶有利尿作用，反而會排出比喝下去更多的水分，造成反效果，
    就算不會有咖啡因提神作用的人，也不適合在睡前喝茶。
    省錢又衛生的公開秘密
    
    相信你不知道水公司一度水到底等於多少的水吧!?
    一度水 = 一公噸 (= 一立方公尺 = 1,000公升 = 1,000公斤 )
    換句話說, 一度水可裝 53加侖 = 汽油桶 5 大桶 或 = 啤酒瓶 1667 瓶
    你知道嗎? 買一瓶礦泉水的價錢 20 元 = 相當於 2424 瓶的自來水！
    所以奉勸各位儘量減低買礦泉水的欲望！多多喝喝自來水, 既省錢又衛生！
    
    醫學界發現用口對口的方式喝礦泉水，
    要是剛好口腔中有少量不足以致病的綠膿桿菌進入瓶內，
    這個瓶子就會變成 agar，12小時後，菌數就足以引起喉嚨痛！
    因為怕公佈後，礦泉水會滯銷，所以廠商不敢公佈，
    但是醫學界教授還是勸同學們喝礦泉水時，不要接觸瓶口！ 

His request approved, the CNN News photographer quickly used a cell phone to call the local airport to charter a flight.
 



He was told a twin-engine plane would be waiting for him at the airport.

Arriving at the airfield, he spotted a plane warming up outside a hanger.

He jumped in with his bag, slammed the door shut, and shouted, 'Let's go'.

The pilot taxied out, swung the plane into the wind and took off.

Once in the air, the photographer instructed the pilot, 'Fly over the valley and make low passes so I can take pictures of the fires on the hillsides.'

'Why?' asked the pilot.

'Because I'm a photographer for CNN' , he responded, 'and I need to get
some close up shots.'

The pilot was strangely silent for a moment, finally he stammered, 'So, what you're telling me, is . . . You're NOT my flight instructor?'


Life is short.......

Someone said:

When you ASSUME = you make an ASS out of U and ME....

Opening ceremony of Shanghai Expo Shanghai World Expo 2010 ,
May 1 - Oct. 31

• Expo 2010 Shanghai China 中国2010年上海世界博览会 is being held on both banks of the Huangpu River in the city of Shanghai, People's Republic of China, from May 1 to October 31, 2010.

• The theme of the exposition  "Better City - Better Life"  signifies Shanghai's new status in the 21st century as the "next great world city".

• It is the most expensive Expo in the history of the world's fairs. The Shanghai World Expo is also the largest World's Fair site ever at 5.28 square km.

• More than 190 countries and more than 50 international organizations have registered to participate in the Shanghai World Expo.

• China expects to receive almost 100 foreign leaders and millions of people from across the world to come and visit the World Expo. More than 70-100 million visitors are expected to visit the expo, the largest in history.

The website to visit: http://en.wikipedia.org/wiki/Shanghai_expo

Watch the bear - brilliant YOU HAVE GOT TO TAKE A MINUTE AND WATCH THIS VIDEO. THERE IS NOT A WORD SPOKEN, BUT IT WILL SURE HOLD YOUR ATTENTION.. Brilliant! How on earth did they film this one