fi-Plan Partners ? Making the most of Your Asset Building Years ...

Franklin Bradford, VP Investing Stratagies05/25/12: As you enter and move through your peak earning years, you?ll likely see your net worth steadily increase. However, you will still have some planning to do before reaching your financial goals, which is why it is so important to a solid plan in place. Here are a two ideas to keep you on track.

  1. Tax Planning
    Chances are your income tax bracket is higher now than it was during your early years in the workforce and is more than it will be when you retire. You should consider maximizing pretax contributions to your employer sponsored retirement plan or making deductible contributions to an IRA (assuming you are eligible) to help lower current income while providing tax deferred savings opportunities.?

    Also, remember that short term capital gains are taxed as ordinary income, while long term capital gains and dividends are taxed at lower rates.

  2. Investment Answers

  3. Protecting What You Have
    As your wealth increases, it is important to preserve what you?ve accumulated and also, safeguard your future. Estate Planning and life insurance are two of the cornerstones of a sound financial plan. A qualified legal professional can be invaluable in assisting you with implementing an estate plan that is best for your situation and or review an existing plan to ensure it is still consistent with your goals.?

    At fi-Plan Partners, we work with a number of great estate attorneys and are happy to make introductions on behalf of our clients.

From a financial standpoint, mid-life should be a time to take advantage of your most productive years allowing you to better enjoy the fruits of your labor in the long run.

If you have any questions about your financial plan, please call me email me here.

Franklin Bradford, CMT
Vice President
Wealth Consultant

Note: Because of regulations, comments have been turned off.

Tags: investing, retirement

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Geisinger health insurance - HEALTH, BEAUTY & FITNESS

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Devils outlast Rangers, 5-3, take 3-2 series lead

New Jersey Devils' Stephen Gionta, center, celebrates with Ryan Carter, left, and Steve Bernier, right, after scoring against the New York Rangers during the first period of Game 5 of an NHL hockey Stanley Cup Eastern Conference final playoff series Wednesday, May 23, 2012, in New York. (AP Photo/Frank Franklin II)

New Jersey Devils' Stephen Gionta, center, celebrates with Ryan Carter, left, and Steve Bernier, right, after scoring against the New York Rangers during the first period of Game 5 of an NHL hockey Stanley Cup Eastern Conference final playoff series Wednesday, May 23, 2012, in New York. (AP Photo/Frank Franklin II)

New York Rangers goalie Henrik Lundqvist, of Sweden, pauses during the first period of Game 5 of an NHL hockey Stanley Cup Eastern Conference final playoff series against the New Jersey Devils, Wednesday, May 23, 2012, in New York. (AP Photo/Frank Franklin II)

New Jersey Devils' Stephen Gionta, left, celebrates after scoring a goal past New York Rangers goalie Henrik Lundqvist, of Sweden, right, during the first period of Game 5 of an NHL hockey Stanley Cup Eastern Conference final playoff series, Wednesday, May 23, 2012, in New York. (AP Photo/Frank Franklin II)

New Jersey Devils' Stephen Gionta, top center, celebrates with Ryan Carter (20) after scoring a goal against the New York Rangers during the first period of Game 5 of an NHL hockey Stanley Cup Eastern Conference final playoff series, Wednesday, May 23, 2012, in New York. (AP Photo/Julio Cortez)

A shot by New Jersey Devils' Travis Zajac enters the net behind New York Rangers goalie Henrik Lundqvist, of Sweden, during the first period of Game 5 of an NHL hockey Stanley Cup Eastern Conference final playoff series, Wednesday, May 23, 2012, in New York. (AP Photo/Julio Cortez)

(AP) ? The New Jersey Devils never could have imagined they would have a three-goal lead on the New York Rangers less than 10 minutes into Game 5 of the Eastern Conference finals at hostile Madison Square Garden.

Their shock was even greater when that advantage was gone, and they were suddenly locked in a tie game in the opening minute of the third period.

In the end, it all worked out for the Devils, who got another surprising goal from fourth-line forward Ryan Carter in the closing minutes and escaped with a win that put New Jersey on the brink of a spot in the Stanley Cup finals.

Carter's third goal of the playoffs with 4:24 remaining was the difference in the Devils' 5-3 victory over New York on Wednesday night. The Devils have a 3-2 edge in the series, but if the top-seeded Rangers can stay alive on Friday night in New Jersey, Game 7 would be back in Madison Square Garden on Sunday.

"It's a good feeling," goalie Martin Brodeur said of the Devils' status. "We worked really hard to get in that position. (There's been) a lot of unsung heroes and guys producing at different times. Players are playing well. We've just got to keep going.

"Nothing is done yet."

If the Rangers fall short, their best season in years will come to a crashing end and the Devils will move on to face the Western champion Los Angeles Kings. New York hasn't been to the finals since 1994, when the Rangers knocked out New Jersey in the semis and then beat Vancouver for the title.

The Devils are one win away from playing for the Cup one season after their run of 13 straight postseason appearances was snapped. New Jersey went to the finals four times between 1995 and 2003 and won three championships.

"It's a great position to be in," Devils forward Patrik Elias said. "Hopefully, we can play a better game at home. Hopefully, we'll be the team that dictates the energy and the pace out there."

When Travis Zajac scored 9:49 in to make it 3-0, the Devils seemed ready to cruise to victory. But the Rangers roared back and appeared to have every bit of the momentum.

Then the game, and perhaps the entire series, changed in the blink of an eye when Carter put the Devils in front to stay. Zach Parise added an empty-net goal to make sure the Rangers had no chance for another comeback.

Carter had only four goals and four assists in 72 regular-season games with Florida and New Jersey. He has two goals in the East finals.

"They've been great the whole playoffs," Elias said of the fourth line. "It's not always the top guys who win you hockey games."

Stephen Gionta and Elias scored within the first 4:13 before Zajac made it 3-0. Then the Rangers woke up.

Brandon Prust brought New York within 3-1 before the first period was over, and Ryan Callahan made it a one-goal game in the first minute of the second. The Garden really rocked when Marian Gaborik tied it at 3 just 17 seconds into the third.

But the comeback was for naught.

"We probably played our best game of the series," Rangers coach John Tortorella said.

Once Gaborik tied it with an unassisted goal that ricocheted in off Brodeur's skate, it appeared the Rangers would ride the comeback all the way to one of the most stirring wins in team history ? one that would rival victories over New Jersey in the classic 1994 East finals when the Rangers erased a 3-2 series hole behind Mark Messier's guarantee.

Carter made sure it wouldn't happen.

"You have to (keep it together) this time of year," Gionta said. "You have to have a short memory. Fortunately we did and came out with the victory."

New Jersey was outshot 28-17 overall and had only six shots in the third period, but two went in.

Brodeur, the backbone of every New Jersey title, kept his focus throughout the third when he was loudly taunted with chants of "Mar-ty, Mar-ty" after New York got even.

"It was a mistake," Brodeur said of Gaborik's goal. "I'm pretty happy that the boys bounced back and made this a win for us. It would have been tough and people would have blamed that mishandle."

The Rangers were ultimately done in by another terrible start. They had been on a pattern of win-one, lose-one, but now they are on the verge of elimination with their second two-game losing streak in a series this year.

The only time the Rangers have won two straight in a playoff series this postseason is when they overcame a 3-2 hole in the first round and knocked out Ottawa.

"We have to bring all the good things we did and keep doing them in the next game," Rangers goalie Henrik Lundqvist said. "We played really well in the second and third period."

They couldn't say the same about the first.

"It's different when you go down 3-0. You don't have a whole lot to lose," Rangers forward Brian Boyle said. "It was good nonetheless. Now it's 3-2. Now we have to win two. That's the bottom line."

The Rangers burned their timeout early, and Devils coach Peter DeBoer spent his with 10:17 left. Parise implored his teammates on the bench ? "Come on boys!" ? and the messages from the coach and the captain did the trick.

"It wasn't pretty by any means," Parise said. "But we're going home with a 3-2 lead."

Not only didn't the Rangers have the strong start they craved and insisted they needed, they were practically run out of their building.

The same problems that plagued New York in its 4-1 loss in Game 4, when the Devils jumped out to a 2-0 lead in the first period, cropped up again in front of the frustrated fans.

Gionta got the Devils going 2:43 in, and Elias made it 2-0 1:30 later on New Jersey's fourth shot.

Tortorella used his timeout, but it made little difference. He appeared to be calm as he moved back and forth behind the bench while talking to his players. Whatever the message was it didn't sink in.

The Devils shrugged off a few scoring chances by the Rangers, and padded their lead again.

Just 5:26 after Elias' goal, Zajac made it 3-0 with his seventh of the playoffs. Zajac got a clean shot from just inside the right circle that beat Lundqvist inside the left post.

The tide began to turn the Rangers' way, and they allowed only one shot the rest of the period.

Prust, making his return following a one-game suspension for an elbow he delivered to the head of Devils defenseman Anton Volchenkov in Game 3, showed off a bit of scoring touch when he converted on a breakaway with 4:19 left in the first to make it 3-1.

The Rangers outshot the Devils 9-6 in the lopsided period, but continued their sudden defensive dominance well into the second. Then they cut the Devils' lead to a goal just 32 seconds into the second.

New Jersey didn't record its first shot of the period, and its second since its third goal, until Adam Henrique put a puck in on Lundqvist at 6:23.

Lundqvist, who had stopped 94 percent of the shots he faced in the playoffs before Wednesday, made just 12 saves. The Rangers allowed five goals one game after giving up four for the first time in this postseason.

To make the finals, New York will have to win a third consecutive seven-game series.

"We have to have a short memory," Rangers defenseman Ryan McDonagh said. "We've been in this position before in this playoffs and we found a way to get it done. We don't want to look ahead. We have to win two games, but we just have to focus on winning one."

Notes: Brandon Dubinsky had been sidelined since he was injured in the Rangers' victory over Ottawa in Game 7 of the first round. He sat out all seven games of the second round against Washington and the first four against New Jersey. John Mitchell was scratched to make room in the lineup. Prust's return forced D Steve Eminger to sit out after he played the two previous games. ... Ilya Kovalchuk has 10 assists in the playoffs. ... Prust scored his first career NHL playoff goal in his 23rd game.

Associated Press

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Childhood obesity increases likelihood of a cranial disorder that may cause blindness

[ Back to EurekAlert! ] Public release date: 24-May-2012
[ | E-mail | Share Share ]

Contact: Danielle Cass
danielle.x.cass@kp.org
510-267-5354
Kaiser Permanente

Kaiser Permanente Study analyzed electronic health records of 900,000 youth

Children who are overweight or obese -- particularly older, non-Hispanic white girls -- are more likely to have a neurological disorder known as idiopathic intracranial hypertension, a rare condition that can result in blindness, according to a new Kaiser Permanente study published in The Journal of Pediatrics.

In a cross-sectional, population-based study of 900,000 children ages 2-19 years old, researchers found 78 cases of pediatric idiopathic intracranial hypertension. The condition occurred most frequently in overweight or obese, non-Hispanic white teenage girls85 percent of the children with IIH were girls 11-19, nearly half were non-Hispanic white, and 73 percent were overweight or obese.

Importantly, the study also found a strong association between IIH and increasing weight class: extremely obese adolescents were 16 times more likely than normal weight children to have IIH; moderately obese children, 6 times more likely; and overweight children, 3.5 times more likely.

"Childhood obesity has again been shown to be associated with a serious disease," said study lead author Sonu M. Brara, MD, of the Kaiser Permanente Los Angeles Medical Center Neurology Department. "This research is the strongest evidence to date that obesity is associated with IIH in childrenit also suggests that the childhood obesity epidemic is likely to lead to increased morbidity from IIH, including blindness."

This study adds to the growing evidence base about data on the prevalence of obesity and prevention of it among children. Earlier this month the Institute of Medicine released its Accelerating Progress in Obesity Prevention offering recommendations, strategies, and action steps for stakeholders and sectors to accelerate progress in preventing obesity.

In adults, IIH is a relatively rare disorder that predominately affects overweight or obese women ages 20 to 44 with an incidence rate of 15 per 100,000 individuals. The disorder is characterized by increased pressure around the brain in the absence of other diseases, with symptoms including headache, blurred vision, nausea, and eye movement abnormalities. The ailment can lead to blindness in up to 10 percent of patients, particularly when not recognized and treated promptly.

The children and adolescents in the study were enrolled in the Kaiser Permanente Southern California integrated health plan from 2007 to 2009. The study included measured height and weight and diagnosis of IIH.

"Our findings may help improve the early diagnosis and treatment of IIH in young patients," said Dr. Brara. "Overweight and obese children appear to have more IIH symptoms at onset than normal weight children. We suggest that clinicians carefully screen adolescents who are overweight or obese and present with symptoms of IIH, such as headache, blurred vision, and eye movement abnormalities."

According to recent Centers for Disease Control and Prevention recommendations, extreme obesity is defined as more than 1.2 times the 95th percentile, or a body mass index of more than 35 kilograms/meter squared. Obesity is defined as more than the 95th percentile or a BMI of more than 30 kg/m2. Overweight is defined as more than the 85th percentile or a BMI of more than 25 kg/m2. Body mass index is a reliable indicator of body fatness and calculated based on height and weight. For children, BMI percentiles are the most commonly used indicator to assess the size and growth patterns of individual children. The percentile indicates the relative position of the child's BMI number among children of the same sex and age.

###

This study was funded by the National Institute of Diabetes and Digestive and Kidney Diseases. It is part of the Kaiser Permanente Southern California Children's Health Study and its ongoing work to identify and treat childhood obesity through research and community programs.

Researchers at Kaiser Permanente announced in February study findings that the prevalence of asthma among children and adolescents who are overweight or obese varies widely by race and ethnicity. The study also found that the association between childhood asthma and increasing BMI is strongest in Hispanics and weakest in African Americans.

In 2011 Kaiser Permanente announced a study that used electronic health records of more than 700,000 patients to determine that children who are overweight or obese have a significantly higher prevalence of psoriasis, a chronic inflammatory disease of the skin.

Other study authors included Corinna Koebnick, PhD, of the Kaiser Permanente Department of Research and Evaluation, Kaiser Permanente Southern California; Amy H Porter, MD, of the Kaiser Permanente Baldwin Park Medical Center; and Annette Langer-Gould, MD, PhD, of the Department of Research and Evaluation, Kaiser Permanente Southern California and Southern California Permanente Medical Group, Los Angeles Medical Center, Neurology Department.

About the Kaiser Permanente Southern California Department of Research and Evaluation

The Department of Research & Evaluation (R & E) conducts high quality, innovative research into disease etiology, prevention, treatment and care delivery. Investigators conduct epidemiology, health sciences, and behavioral research as well as clinical trials. Areas of interest include diabetes and obesity, cancer, HIV/AIDS, cardiovascular disease, aging and cognition, pregnancy outcomes, women's and children's health, quality and safety, and pharmacoepidemiology. Located in Pasadena, Calif., the department focuses on translating research to practice quickly to benefit the health and lives of Kaiser Permanente Southern California members and the general population. Visit www.kp.org/research.>

About Kaiser Permanente

Kaiser Permanente is committed to helping shape the future of health care. We are recognized as one of America's leading health care providers and not-for-profit health plans. Founded in 1945, our mission is to provide high-quality, affordable health care services to improve the health of our members and the communities we serve. We currently serve more than 9 million members in nine states and the District of Columbia. Care for members and patients is focused on their total health and guided by their personal physicians, specialists and team of caregivers. Our expert and caring medical teams are empowered and supported by industry-leading technology advances and tools for health promotion, disease prevention, state-of-the art care delivery and world-class chronic disease management. Kaiser Permanente is dedicated to care innovations, clinical research, health education and the support of community health. For more information, go to: www.kp.org/newscenter.



[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


[ Back to EurekAlert! ] Public release date: 24-May-2012
[ | E-mail | Share Share ]

Contact: Danielle Cass
danielle.x.cass@kp.org
510-267-5354
Kaiser Permanente

Kaiser Permanente Study analyzed electronic health records of 900,000 youth

Children who are overweight or obese -- particularly older, non-Hispanic white girls -- are more likely to have a neurological disorder known as idiopathic intracranial hypertension, a rare condition that can result in blindness, according to a new Kaiser Permanente study published in The Journal of Pediatrics.

In a cross-sectional, population-based study of 900,000 children ages 2-19 years old, researchers found 78 cases of pediatric idiopathic intracranial hypertension. The condition occurred most frequently in overweight or obese, non-Hispanic white teenage girls85 percent of the children with IIH were girls 11-19, nearly half were non-Hispanic white, and 73 percent were overweight or obese.

Importantly, the study also found a strong association between IIH and increasing weight class: extremely obese adolescents were 16 times more likely than normal weight children to have IIH; moderately obese children, 6 times more likely; and overweight children, 3.5 times more likely.

"Childhood obesity has again been shown to be associated with a serious disease," said study lead author Sonu M. Brara, MD, of the Kaiser Permanente Los Angeles Medical Center Neurology Department. "This research is the strongest evidence to date that obesity is associated with IIH in childrenit also suggests that the childhood obesity epidemic is likely to lead to increased morbidity from IIH, including blindness."

This study adds to the growing evidence base about data on the prevalence of obesity and prevention of it among children. Earlier this month the Institute of Medicine released its Accelerating Progress in Obesity Prevention offering recommendations, strategies, and action steps for stakeholders and sectors to accelerate progress in preventing obesity.

In adults, IIH is a relatively rare disorder that predominately affects overweight or obese women ages 20 to 44 with an incidence rate of 15 per 100,000 individuals. The disorder is characterized by increased pressure around the brain in the absence of other diseases, with symptoms including headache, blurred vision, nausea, and eye movement abnormalities. The ailment can lead to blindness in up to 10 percent of patients, particularly when not recognized and treated promptly.

The children and adolescents in the study were enrolled in the Kaiser Permanente Southern California integrated health plan from 2007 to 2009. The study included measured height and weight and diagnosis of IIH.

"Our findings may help improve the early diagnosis and treatment of IIH in young patients," said Dr. Brara. "Overweight and obese children appear to have more IIH symptoms at onset than normal weight children. We suggest that clinicians carefully screen adolescents who are overweight or obese and present with symptoms of IIH, such as headache, blurred vision, and eye movement abnormalities."

According to recent Centers for Disease Control and Prevention recommendations, extreme obesity is defined as more than 1.2 times the 95th percentile, or a body mass index of more than 35 kilograms/meter squared. Obesity is defined as more than the 95th percentile or a BMI of more than 30 kg/m2. Overweight is defined as more than the 85th percentile or a BMI of more than 25 kg/m2. Body mass index is a reliable indicator of body fatness and calculated based on height and weight. For children, BMI percentiles are the most commonly used indicator to assess the size and growth patterns of individual children. The percentile indicates the relative position of the child's BMI number among children of the same sex and age.

###

This study was funded by the National Institute of Diabetes and Digestive and Kidney Diseases. It is part of the Kaiser Permanente Southern California Children's Health Study and its ongoing work to identify and treat childhood obesity through research and community programs.

Researchers at Kaiser Permanente announced in February study findings that the prevalence of asthma among children and adolescents who are overweight or obese varies widely by race and ethnicity. The study also found that the association between childhood asthma and increasing BMI is strongest in Hispanics and weakest in African Americans.

In 2011 Kaiser Permanente announced a study that used electronic health records of more than 700,000 patients to determine that children who are overweight or obese have a significantly higher prevalence of psoriasis, a chronic inflammatory disease of the skin.

Other study authors included Corinna Koebnick, PhD, of the Kaiser Permanente Department of Research and Evaluation, Kaiser Permanente Southern California; Amy H Porter, MD, of the Kaiser Permanente Baldwin Park Medical Center; and Annette Langer-Gould, MD, PhD, of the Department of Research and Evaluation, Kaiser Permanente Southern California and Southern California Permanente Medical Group, Los Angeles Medical Center, Neurology Department.

About the Kaiser Permanente Southern California Department of Research and Evaluation

The Department of Research & Evaluation (R & E) conducts high quality, innovative research into disease etiology, prevention, treatment and care delivery. Investigators conduct epidemiology, health sciences, and behavioral research as well as clinical trials. Areas of interest include diabetes and obesity, cancer, HIV/AIDS, cardiovascular disease, aging and cognition, pregnancy outcomes, women's and children's health, quality and safety, and pharmacoepidemiology. Located in Pasadena, Calif., the department focuses on translating research to practice quickly to benefit the health and lives of Kaiser Permanente Southern California members and the general population. Visit www.kp.org/research.>

About Kaiser Permanente

Kaiser Permanente is committed to helping shape the future of health care. We are recognized as one of America's leading health care providers and not-for-profit health plans. Founded in 1945, our mission is to provide high-quality, affordable health care services to improve the health of our members and the communities we serve. We currently serve more than 9 million members in nine states and the District of Columbia. Care for members and patients is focused on their total health and guided by their personal physicians, specialists and team of caregivers. Our expert and caring medical teams are empowered and supported by industry-leading technology advances and tools for health promotion, disease prevention, state-of-the art care delivery and world-class chronic disease management. Kaiser Permanente is dedicated to care innovations, clinical research, health education and the support of community health. For more information, go to: www.kp.org/newscenter.



[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


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Where do we draw the line?

Where do we draw the line?

Love has a heartbeat; it has a rhythm that cannot stop once started. It does not choose who to beat for, but from a single glance; it can dance within seconds and burst within minutes. How does one find love in a time of war?

Owner:

Game Masters:

This topic is an Out Of Character part of the roleplay, ?Where do we draw the line??. Anything posted here will also show up there.

Topic Tags:

online roleplay roleplay online -->

HTML, for websites and MySpace:

BBcode, for forum posts and signatures:

--> Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.
This is the auto-generated OOC topic for the roleplay "Where do we draw the line?"

You may edit this first post as you see fit.

"To live is to breath, to breath is to live, but what is it to truly understand the meaning of life's existence and purpose?"

User avatar
Sacred Wolf
Member for 3 years



decisions, decisions... I like elves, but I would kinda like to play as one of the human princes, either the newly crowned "king" or his brother...

User avatar
demented-tiger
Member for 2 years


Feel free to play whomever you wish :3

User avatar
Sacred Wolf
Member for 3 years


I would like to have the elvish princess, I'm working on her profile as we speak, but it might take me a while. Latest will probably be tomorrow.

User avatar
KittyKLL
Member for 0 years


submitted a profile for the new king/former crown prince

User avatar
demented-tiger
Member for 2 years


Working on a CS for the Female Elf Assasin ^^
At the latest, it should be up tonight.

EDIT: Submitted ^^

Last edited by RainbowFace on Thu May 24, 2012 3:36 pm, edited 1 time in total.

But MEEEEEEEM, I don't want a signature!

User avatar
RainbowFace
Member for 0 years


Im working on a sheet for the Elf Princess should have her up sometime this evening. This looks like a very interesting, and well done RP, hope I get the part.

User avatar
Love me Not
Member for 0 years



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Veep Beat: Portman's 'Boring' Factor, Rubio on Divisive Politics, Trump Wants In?

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Tweetbot 2.4 brings keyword mute filters, offline favorite and read later support

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Tweetbot just got the update treatment, enabling a handful of features aimed at optimizing the way you interact with Twitter, both online and off. These added gems include an option to mute certain keywords ('cereal' may be a good start), location-based keyword searches, along with offline favorite and read later support (for booting links to apps like Instapaper or Pocket, for offline viewing). Most other functionality remains unchanged, as does the $2.99 price tag. You'll find the full list of updates after the break, with download links just below.

Continue reading Tweetbot 2.4 brings keyword mute filters, offline favorite and read later support

Tweetbot 2.4 brings keyword mute filters, offline favorite and read later support originally appeared on Engadget on Thu, 24 May 2012 19:21:00 EDT. Please see our terms for use of feeds.

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Health And Fitness- Fact And Fiction : hunting fitness|in shape for ...

Some of the lies about health and fitness are not really untruths. Exercise and each person?s body has different reactions. Because each person?s body reacts differently to exercise what is true for you may not be true for someone else. On a case by case basis everyone has to deal with questionable truths and information. A little bit a research can help you uncover a lot of information and that is the real clue to getting the truth about health and fitness. If the information is less than true, you should do some research.

One myth you need to know about is in regards to metabolism increases during activity that may last beyond the actual workout itself. While that is a true statement, there is a caveat attached to it. The amount of calories you will burn beyond the workout will not be what you will be expecting. This is because the increase in metabolic rate is not as high as some might claim. The calorie burn is a direct relation to the metabolic increase and since neither is as great as we?d like it?s an untruth. You are sorely mistaken if you believe that exercise has to be hard to make a difference. The effects of a hard workout are not always apparent, it can take a day or two before you feel the effects of your work.

When you decide to get in shape and hit the gym hard your first time out after a length of inactivity is when you will feel this the most. There is no reason to rush. In fact, see a doctor and get a quick check-up, then just go slow and you will have a better experience.

Sometimes you can hear people complaining that their body cannot get used to exercising at some particular time of day, or they are too tired at the end of the day. Well, we have to call them on both of those accounts. First, your body does have a natural circadian cycle. Adjustments will come you just have to give it some time. All you have to do is get your resistance broke and then exercise and energy to do it will come easy

Everyone has some advice about health and fitness and some of it is truth and some of it is something else. When you hear something that you are in doubt of you should suspend your belief until you have done some research and have creditable information.

To increase the possibility of good result and a safe workout you can also use some sort of fitness equipment like Adjustable Dumbbell in your exercise and fitness routine to assist you in your workout program, just make sure to choose the appropriate equipment that suites your needs.

If you want to learn more about Cardio Workout, Leonardo Vance will help you about this stuff. He will also help you lose weight and get you powerful, lean, and feeling great by performing Adjustable Dumbbell.

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Small Business Marketing and Market Research Made Easy

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The key to your financial success lies in finding and building your business network. The richest people in the world are looking for networks and build them; also they know how to keep them! All others are job seekers. Business marketing and market research can separate you from this crowd of job seekers. The difference between winners and losers is determined by the finish line. Winners do not care whether they came to finish line first or last. They only care to cross! Losers give up before they even tried.

Marketing knowledge is crucial if you intend to start your own business or thinking about the possibilities of starting it. Small business marketing is important part of everyday business activities. Definition of business marketing is used to describe activity of different individuals or organizations, including marketing and other companies, governments and institutions to facilitate the sale of their products or services to other companies or organizations. Business marketing is also known as industrial marketing, business-to-business marketing or B2B marketing.

Marketing or small business marketing knowledge can be seen as set of skills which you can obtain and used in order to attract large number of buyers from the market, you will also learn how to keep them. If you want to directly impact your companies profit and also gain expertise in one of the most dynamic business area, this section is for you.

The methodology of marketing is very much changing, because of increased use of computers and the Internet. Large number of customers is now targeted this way, using various popular sites, like Facebook for example. On the other hand, the use of new marketing methods is multiplying the impact and the market becomes stronger than before with much higher profit. However, only companies that are capable and know how to do it as well as highly paid professionals can apply this new knowledge in certain way that can bring them really high profit.

There is a reason why is so. The Department of documentary research Cambridge University found that the average person in the urban environment receives between 1,500 and 3,000 promotional messages per day. Investments in advertising grow at impressive rate, but it also reduces confidence in the ads. The budget for local advertising company has doubled in the last four years, but regardless, the force of the marketing attack on the investment market is melted down because potential customers distrust. One out of eight TV viewers believes that television ads are truthful regarding the product. This trend of declining confidence is evident in every medium, including the Internet.

In response to these trends, the current marketing practices of an enterprise provide a strong influence on the market. The new method provides significant cash returns on investment in attracting customers. One well-known local company last year led a campaign that brought traffic to 40 euros each euro invested. These are numbers that every manager or business owner dreams of.

Main objective of every marketing course is to teach students about the concept of business marketing as well as the strategies used. It also explains the difference between business and consumer marketing. Education will provide tools for understanding the customer, implementation of knowledge to create appropriate products, services and offers. You will also learn methods of selecting the best way to deliver a message and real product/service value to customers.

You will be able to provide high cash flow and attract more clients to you or the company you work for.

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Seabourn Cruises ? Cruise in Luxury | Luxe Travel | Luxury Travel ...

Cruise the World Aboard a Seabourn Cruise Line Luxury Vessel.

Cruise the World Aboard a Seabourn Cruise Line Luxury Cruise Vessel. The photo is courtesy of Seabourn Cruise Line.

Seabourn Cruise Line is known for it amazing? luxury cruise vacations which feature unique ports of call all over the world and service which is always ranked the best among all cruise lines. Seabourn is the winner of many awards including both Travel + Leisure?s ?World?s Best Small-Ship Cruise Lines? and Conde Nast Traveler ?Reader?s Choice Awards for Best Small Ship Cruise Line? for multiple years, and Conde Nast Traveler ?Gold List? for 18 consecutive years. Seabourn has consistently been honored for its quality, service and value.

What Makes Seabourn Different?

Cruising Seabourn is more unique than any other luxury travel experience. Seabourn is luxurious and relaxed and casual and elegant. Seabourn cruises are elegantly sumptuous in their understatement. Almost everything is included on each Seabourn cruise. All amenities from all-suite accommodations to fine wines and spirits are all part of the Seabourn package.

Because Seabourn?s yachts are small they can sail into smaller ports and visit some of the world?s most desirable destinations which are not available to larger, bulkier ships. Seabourn guests are interesting and informed. The ambiance aboard ship is all about the interests of the passengers. There is always a pleasant camaraderie and a wonderful conversation no matter where one turns. The professional staff offers warm, thoughtful, personal, hospitality.

There are a variety of shore excursions offered on each sailing. They are optional and are both general interest and special interest in ports of call.

The Ships of Seabourn

Seabourn?s ships are graceful, elegant, and stylish. Three of the ships carry only 208 passengers, and the remaining three carry 450 passengers. All of the ships offer all-suite accommodations. Dining venues are all open-seating. Staff is hand-picked from the finest European hospitality schools and hostelries. They are then retrained according to the Seabourn philosophy. Seabourn is as unique today as it was when the Seabourn Pride, the first ship in the Seabourn fleet emerged from the Schichau Seebeckwerft Shipyard in Bemerhaven, Germany, in 1988.

The ships include the Seabourn Pride, Spirit, Legend, Odyssey, Sojourn, and Quest.

The Seabourn?s Spas at Sea

A visit to any of the Seabourn?s spas is a transforming luxury travel experience. The experience at The Spa at Seabourn is designed for pure pampering. There is an extensive menu of spa treatments and the staff will be more than happy to customize a spa regime for individual guests. Guests may relax in the sauna, the steam room, or visit the salon which also has a full menu of services.

Dining

Dining on any of the Seabourn?s ships is exquisite. Cuisine is award-winning and only the finest ingredients are used and dishes are prepared at the time of ordering. Each of the Seabourn?s ships offers several dining venues. Some are casual with an indoor or outdoor dining area. The Restaurant offers a fine dining experience. Restaurant 2 offers a small-plates tasting menu. Fine wines are poured at lunch and dinner and are complimentary. And if you prefer in-suite dining, that too is complimentary.

Destinations

Seabourn Cruise Line truly travels the world. Choose between Arabia, Africa, and India, or Asia, or Canada and New England, the Mediterranean, Northern Europe, South and Central America, the South Pacific, a Transatlantic Cruise, or a World Cruise. World sites and sights are truly at your beck and call with a Seabourn cruise.

Speak with your online Luxury Travel Advisor today to find out more about booking a Seabourn Cruise. Seabourn promises you luxury travel at sea and the adventure of a lifetime! Call 1-866-365-8747 or email concierge@luxetravel.com or visit Luxetravel.com for live chat.

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