Choose Tea As Your Ally Against Skin Cancer

It was a great summer. What fun it was ripping and running on the beach. It was perfect and memorable, but you definitely spent too much time in the sun. Even though you use the best and most doctor recommended SPF protection there is on the market you’re still not at peace about being in the sun. In fact you’re a bit paranoid about it. You keep having that little nagging thought, the one about your family’s skin cancer historical track record. You’re not that naïve. It really could happen to you. Are you in search of more ways to protect yourself against skin cancer? Believe it or not drinking tea could give you that extra edge of protection against skin cancer.That’s right. Specific teas can actually provide an armor-like protection for your skin. They act as a barrier against the sun’s harmful rays that commonly occur during overexposure, which can destroy the cells that promote skin health. When skin cells are destroyed they automatically affect the general overall health of the skin. Those powerful rays can literally break down defenses that not only protect the skin from cancer causing substances and environmental toxins but also weaken the remaining cell’s ability to keep the skin supple and youthful. It just about puts the skin’s safeguard operations at a stand still so serious is this breakdown and destruction of cells. That would explain why you see some 30, 40 and 50-year-old women sporting more wrinkles than they should. The Overexposure to the sun undoubtedly has a high and unrecoverable cost. Here’s a strong warning to young women.Tea, black and green teas specifically have been studied for their effectiveness in skin protection and were surprisingly found to be quite the avant-garde when it comes to being a barrier against skin cancer. If you have a preference of one tea over the other, know that although both are powerful, some different tests have shown that black tea packs a bigger punch to the cancer enemy we’re trying to fight against. Black tea has many more antioxidants than green, but drink them both for varied good protection. Educate yourself about the different teas because they are not all the same in their benefits. In another study teas containing bergamot oil, such as the popular Earl Grey tea, instead of protecting the skin were found to make the skin more susceptible to the sun’s damaging rays. That’s quite a disappointment to Earl Grey tea lovers, but far better to know this than not.Another surprising protection afforded by the tea is in the temperature and the strength at which it is enjoyed. If you drink it very hot and very strong, you are helping yourself to some lower chances of developing skin cancer. And make sure it has some caffeine in it. Apparently tests show that caffeine is an important ingredient in tea as a protective ally against the sun. Teas tested without caffeine had no measurable protective effect at all. Caffeine or no caffeine; you will have to decide. You know the odds.Here’s one last helpful tip you might find interesting. Don’t waste that tea at the bottom of the cup. Why? It has also been found to be effective if you rub it on your skin. No joking here. Green tea especially is increasingly being added to many skin care product formulations because it really does provide a safeguard to your skin. There you have it, another out of the ordinary but powerful ally against skin cancer.

Property Investment Vs Property Management

When the property market had not been in its bad phase before the recession had struck, it was a whirlwind business stream for most of the real estate agents as well as the homeowners. This is because not only was prices on the higher side of a luxurious range, but business was booming. Apart from the domestic investors, foreign entrepreneurs also were taking great interest in the real estate scene in Europe – especially in the commercial hubs around the main towns (including London).However, the whole scene has completely been torn open after the Recession swept through like a back-breaking tornado through the European economy. The real estate scene was in a mess, and the debate that few would have imagined possible came to the forefront – whether one should go for property investment or property management.And all of it came down to the pre-condition of having enrolled and successfully completed a property course online. This is because a lot of luck or your fate as a property investor or property management guru depends on whether you are a qualified real estate visionary or not. And the decisions you take, when based on theoretical knowledge and when based on practical experience of working with real estate agents can draw the line between success and failure.However, coming back to the debate between property investment & property management, more and or people are going in for the latter. Why? Well, here are some reasons to pacify your quest -• As prices of properties dwindle, the possibility of them having a higher resale value than the price ta which they are bought is also fading out. This means that a property investor will have more on his plate to deal with rather than someone who does not buy any more pieces of real estate but instead lets it out or manages it by himself.• Another reason for property management becoming the preferred mode of profession among homeowners and entrepreneurs is the fact that there have been innumerable online property courses available for years now. Chances of enhancing your management skills on real estate is easier (and way more affordable) than dabbling in a hit-or-miss mode of property investment in a volatile and completely shaky market as of the European states.• Finally, with a sluggish start to the economy and the austerity drive still in progress, there is little experimentation you can do with property investment these days, However the room for ways in which you can manage and tackle a real estate asset is huge. And once you have gone through a professional property management course, you will be able to capitalize on these options better.The basics of property investment or property management, although, remains the same – property courses. If you have enrolled in one, you are on the right track. Because with a vulnerable economy and a not so favorable industry to ply your trade in – you would need all the upgraded skills that such property courses provide.After all, the UK real estate scene is the perfect epitome of the proverb, “survival is for the fittest”!

Ten Top Tips on How to Choose the Right Kids Entertainer

Kids entertainers are very popular and you want to make sure that you pick the correct one, after all your son / daughter’s birthday is only once a year and you don’t want it to be a disaster. Here are ten of my top tips to guide you through the process.1. Who are they?Many entertainers work for large organisations and they all go under the same name such as “Magic Sam the Magic Man” for example. When you locate someone who you think is suitable, see that you will be getting that person and that you haven’t landed on a company based website.2. Is their show suitable for your child’s age?Just because someone advertises as a children’s entertainer doesn’t mean that they cater for children of all ages. Make sure that the little ones will not miss out on the fun because the entertainer only caters for the older children.3. What exactly do they do?It may look like a flashy website and they call themselves a children’s entertainer but you need to know what you are getting for your money. Is it just a magic show or will they be doing the games too. All this should be clearly shown on their website, usually where they tell you the prices of various packages that they offer. If it doesn’t clearly explain on the website then go elsewhere.4. Do they give suitable prizes?If they provide prizes what are they?. You don’t want and shouldn’t expect cheap plastic rubbish that will fall apart as soon as the child gets home. If unsure just ask, you want to know what you are going to get for your money.5. How long do they stay?.If they advertise a 2 hour show for example, does this include the setting up time and what do they do when the children are having their tea? A good entertainer will arrive early, set up and be ready to begin. This time, and the packing away time, will not be included in their 2 hour show. Also, a good children’s entertainer will keep the kids entertained whilst they are having their party food.6. Are they CRB checked?It is essential that you make sure that your children’s entertainer is CRB checked, if not keep well away!.7. Are they insured?All entertainers should have public liability insurance in case anything unexpected happens. Again, if they are not keep well away. Why take the risk?8. Are they experienced?.Find out how long have they been in the business as you want an entertainer who is experienced in entertaining children.9. How will I know you will turn up?A good entertainer will always phone you a couple of days before the show to make sure that everything is still fine. This will help you to know that they haven’t forgotten about you.10. Ask!!!Never be afraid to ask the entertainer about any concerns or questions you may have. It’s your money and you want to make sure that the person you are booking is the right one for your youngster.

Stock Market Investing 101 – Buy Mutual Funds and ETF’s And Avoid Stocks

Don’t Invest In Stocks! The “Kramerheads” and day traders will certainly flame me for that comment. Thankfully my job isn’t to make friends with “Kramerheads” and day traders. My job is to help investors build and maintain wealth.I’ve advised thousands of clients over the last 17 years for some of Wall Streets largest firms. I’ve seen a lot of things and a lot of different client situations. One thing I haven’t seen is a lot of happiness from stock investors. In fact I’ve seen far more discontent and anxiety.The best stock investment advice is don’t invest in stocks! Instead opt for no-load mutual funds and exchange traded funds. Preferably mutual funds and exchange traded funds (ETF’s) with low expenses and broad diversification – such as passive or index funds.Mutual funds and ETF’s are broadly diversified pools of investment assets. The mutual fund and ETF managers combine investment dollars to achieve a stated investment goal, such as growth, income, or a balanced approach of both.Mutual funds and ETF’s may invest in stocks, bonds or other assets like commodities. They save investors the headache and frustration of investing in those individual securities on their own. Knowing which securities to invest in, when to buy and when to sell is overwhelming at best.It’s A Matter Of Perspective. When I tell clients not to invest in individual stocks, the first question is “Why not?”. The fact is it’s a matter of perspective and life choice in a lot of ways (though it can easily be argued it’s a matter of statistics and actual investment results). If you feel as an investor that peace of mind and sleeping at night is more important than trying to hit the lottery with a lucky stock pick, then your perspective definitely lends itself to mutual fund and ETF investing.It’s been clear to me over the years. Clients with diversified mutual fund and ETF portfolios have enjoyed a greater quality of life (specifically due to their investment experience). They sleep better at night, they don’t have as much stress and they generally have a greater focus on enjoying life than trying to beat the market! There’s nothing quite like not worrying about APPLE’s next earnings report, government regulations on the health care industry or shifts in consumer behavior.The mutual fund managers on the cover of Money magazine, the funds on the Forbes Honor Roll, or the highest Morningstar rated funds statistically have a difficult time repeating that performance. I never recommend chasing mutual fund performance. It’s a fools errand and almost always ends up in frustration over time.As a veteran financial advisor, it boils down to the risk you’re willing to take as an investor. To achieve an investment goal, there’s the risk you must take and the risk you choose to take.The risk you must take is the systematic (also called undiversifiable or market risk) risk associated with a particular asset class. That risk you can diversify in large part through the use of mutual funds and exchange traded funds. The stock market goes up, down, sideways – that’s systematic risk. It’s a normal part of investing.The risk that’s ADDITIONAL to an entire asset class is called UNsystematic risk. UNsystematic risk is also called diversifiable or specific risk. It’s the risk associated with individual stock (or other security) investing.Individual companies are more susceptible to regulations, taxes, changes in consumer desires, labor issues and other factors (including accounting irregularities and fraud for example ENRON!). That risk can be mitigated by investing through mutual funds and ETF’s (diversified away). Individual stocks fluctuate with the entire market AND with changes (both positive and negative) to their specific situation.You may be thinking “but my cousin bought (insert a stock such as Chico’s or Hansen Natural) and got rich and so can I!”. True, you can hit it big. But look at how many people LOST on similar stock bets.For example Qualcomm when it collapsed with the dotcom meltdown. The stock went from almost $90 a share to about $13 a share two years later. You may have been in early and made a ton of money – only to see it evaporate. And if you were late to the ball you may have been completely wiped out!Investors are compensated for the systematic risk that comes with investing in the stock market over a long period of time. They are not compensated for the EXTRA risk associated with individual securities. If you’re not compensated for the additional risk – why would you subject your portfolio to it?Buying stocks is more like speculating than investing! My wealth management firm is located in Las Vegas. There are plenty of things to gamble on here. Individual stocks shouldn’t be one of them.Investing is a long process of defining your financial plan and how your investment management fits into it. There’s no need to gamble with your financial plan. Investing is a marathon, not a sprint! Treat it as such and your chances for achieving your financial goals will soar!