K-Factor in Diets and Its Importance in Controlling High Blood Pressure

Although blood pressure is the result of different factors, the common denominator is extreme salt and the improper balance of potassium and sodium. These two are the major electrolytes of the body in the production of energy, nerve conduction, cell integrity, to name a few. They are the producers of the body's electricity. The balance of proportion between sodium and potassium is known as K-factor in diets.

Every tissue and organ has body cells composed of potassium, sodium, magnesium, calcium and chloride which are submerged in fluid. The intracellular fluid contains more potassium than sodium while it is the other way around in the extracellular fluid.

The cells will function properly if there is the accurate balance of sodium and potassium or K-factor in diets which is important in controlling high blood pressure.

The instinct to pull the hand immediately from a hot oven and the normal beating of the heart are examples of the proper ratio of potassium and sodium in the body. If there is distortion, this can be life threatening.

The correct ratio is about three parts of potassium to one part of sodium, K-factor ratio (potassium divided by sodium), which is also applicable to animals. Plants do not require this but helps in balancing excess sodium because of their ratio of about 10 to 20 parts of potassium to one part of sodium.

The importance of K-factor in diets to control high blood pressure can be exemplified when there is an oversupply of sodium in the extracellular fluids. To return everything to normal, the kidneys will initially expel the excess sodium.

However, if the kidneys fail to emit the sodium from the blood, the peripheral vascular system will constrict and the resistance to blood flow will increase, the result is high blood pressure. The blood pressure rises because the kidneys are excreting plenty of sodium.

In order to control this, the medical profession introduced diuretics to treat high blood pressure. In diuretics, more fluid is expelled from the body together with sodium chloride. This is effective in the early stage of high blood pressure.

However, the kidneys are also required to emit potassium, hence the deficiency in potassium. As a remedy, doctors prescribe potassium supplements and drinking of plenty of water as replenishments.

Since potassium and sodium are almost present in the foods we eat, it is best to increase potassium and decrease sodium in our diet.

In order to remember this, here are some dietary guides:

1. Except breakfast, eat one to three types of fresh vegetables. Never add salt if boiled, steamed or stir-fried. Examples of fresh vegetables are spinach, potatoes, carrots, etc.

2. During breakfast, eat cereals like unsalted cereal, oatmeal, puffed rice and wheat germ together with a soy beverage or a low-fat milk.

3. Eat peas, beans and whole grains but not black beans.

4. Keep away from eating processed foods due to its salt content. In you can't resist the cravings, look for the label which has 2 times more potassium than sodium.

5. Try to avoid salt in every food. Instead, use hot pepper sauce as substitutes.

6. Always eat fresh fruits. Ice cream, sherbet and ice milk can be eaten but refrain from pies, cakes or baked products.

7. Buy a cookbook with emphasis on low-sodium diet.

These dietary changes may be different from your current way of life. If following the K-factor in diets will become a habit, you will realize its importance in controlling high blood pressure which will lead to a better health.

4 Things You Should Know About Vitamin K

Vitamin K is a fat soluble vitamin. It was discovered by Henrik Dam in 1929 when he realised that a compound in cholesterol could prevent bleeding. In this article I am going to be covering this vitamin in greater detail by providing you with four things you should know about vitamin K.

1) IT IS ESSENTIAL FOR PROPER WOUND HEALING:- As I mentioned above vitamin K was discovered as a compound that could help prevent bleeding. Since then research has revealed that it is needed by the body for blood to clot properly. Without it even the smallest cut will bleed continuously. Therefore, if you notice that any cuts you get take longer than normal to heal perhaps you are not getting enough of this vitamin.

2) GREENS ARE THE BEST SOURCE OF THIS VITAMIN:- Green, leafy vegetables including broccoli, cabbage and spinach all contain high levels of this vitamin. If vegetables are not your thing then green tea is another good source. If you really cannot stand greens in any form then eggs, milk and liver all contain lower levels of vitamin K. The recommended daily allowance (RDA) for this vitamin is 0.08g for men and 0.06g for women so if you are not currently eating any of the above foods now is the time to start.

3) A DEFICIENCY CAN BE CAUSED BY A NUMBER OF FACTORS:- Most vitamin deficiencies are the result of not consuming enough. However, this is not the only thing that can cause a vitamin K deficiency. Antibiotics and anticoagulants (medicines that thin the blood) can prevent your body absorbing this vitamin. Furthermore, certain diseases can inhibit your body's ability to use this vitamin. In these scenarios supplementation may be required so that you can get your RDA.

4) NOT GETTING ENOUGH AFFECTS YOUR BLOOD AND BONES:- Not getting enough vitamin K can make your bones weak causing them to fracture more easily. In the worst cases it can prevent your blood clotting and cause constant, heavy bleeding from areas including your eyes and gums. Therefore, if you want to avoid these undesirable symptoms make sure that you get your RDA of this vitamin.

I hope this article has given you a better understanding of vitamin K. It is essential for the healing of wounds and a deficiency can be very damaging so make sure you get the RDA.

Decaf K - Cup Coffee - A Must Try For Decaf Coffee Lovers

So you like drinking coffee a lot but you are tired of drinking one with too much caffeine. Why not try a decaffeinated coffee? Do not be afraid of the term, it is still the same but without caffeine. A decaffeinated coffee is free of caffeine that you can usually get from the same coffee beans those coffee makers uses.

If you are a night owl, or one who works for call centers, then you must like drinking one. Decaf K-cups are now getting a lot noises out there. There are a lot of people who now prefers coffee without caffeine. We all know that too much caffeine is bad for our system. Currently, there are a lot of varieties and flavors that you can find from the makers of decaf k-cup coffee. You can easily make your own flavor by mixing and matching their coffees.

If you're pregnant and cannot live without drinking one, then we suggest that you try a decaffeinated coffee from k-cup. It is not harmful for you or your baby. It is not true, that just because it is a decaffeinated coffee that it tastes less as opposed to your ordinary coffee. The taste is still the same, the kick is still the same, the flavor is still rich, but without the harmful effect brought about by caffeine.

You can drink as much as you can, as many as you want, without worrying about the bad effects of caffeine. That is the magic of decaffeinated coffees. Feel free to indulge in your favorite drink, enjoy its rich flavor, and savor the aroma of a brewed strong coffee, even though it is not brewed at all.

If you are a coffee or tea lover, why not try decaf k-cup coffee and tea. I'm sure that you'll ask more after your first sip.

How Your 401(k) Can Be The Best Investing Tool You've Ever Used

The 401(k) tax deferred retirement savings plan was established by the US government in 1981 to allow individual investors to save money for their own retirement. Money put into a 401(k) is taken from pre-tax income, and can be matched at various levels by an employer. Furthermore, all interest earned by a 401(k) is tax deferred.

While several pieces describe how important those three advantages are, or simply tell you how important they are, we're going to play with the numbers a bit to show you what we mean. To do this, we'll explain a couple of investing concepts, and it'll be handy if you have a pay stub to examine.

First, look at your pay stub from your last check. There were deductions taken out for federal income tax, and probably state income tax as well, plus FICA, Social Security and maybe a few other things as well. Take up the total of those deductions, and compare them to what you earned, pre-tax. It probably comes out at about 20 to 35% depending on your individual deduction schedules and what state you're in, and how much you earn.

That percentage is your "tax bite" - it's how much you get bit for every paycheck. When a 401(k) or a Roth IRA is part of the picture (and a few other programs, like the HCRA), the money that's put aside in that account is taken out before all other deductions. What that means to you is that it's effectively multiplied by an amount equal to your tax bite.

Let's assume you get $1,000 as a biweekly paycheck, and your normal tax bite is about 25%; this leaves you with a post-bite income of $750. Now, let's assume that, between your 401(k) and your HCRA, you're putting $200 of that check away. If it came out after taxes, you'd be getting $750 minus $200, and take home $550. Coming out before taxes, the numbers come out a bit differently. $1,000 minus $200 is $800. Your tax bite of 25% means that $200 of that $800 goes to taxes, leaving you $600 to spend. Even if you decided you could live off of $600 biweekly, and put that $150 into savings directly, you'd end up with $50 less each paycheck in savings. Effectively, by putting the money into savings before it gets bitten on by the tax man, you're multiplying it by 33% for the same take home funds.

Now, if all those numbers made your head spin, let's review it for you: Money put away into a savings plan from pre-tax income is more valuable than money put into a savings plan done with post tax income.

The next major advantage of a 401(k) is employer matching. In many ways, this is the most impressive advantage of 401(k)s. What this means that up to a certain percentage of your salary, for every dollar you put into a 401(k), your employer will put in a matching dollar. This may not seem like much, but consider this: In investing, there's a rule of thumb called the Rule of 72. This rule determines the amount of time it takes for an initial investment to double in value from constantly applied compound interest; to do so, take 72 and divide it by the interest rate (or rate of return) in percentage points; this tells you how many years it'll be to double the investment if no other money is added. Thus, for a 6% rate of return, the "doubling time" is 72/6=12 years. Compare that to employer matching, which doubles your money immediately - on pre-tax income, which has effectively been multiplied by anywhere from 20-33% already.

For the final benefit, money in 401(k) accounts accrues tax-deferred interest. What this means is that you don't pay taxes on the interest as it accrues, you pay taxes on the final lump sum when the account is closed. What this does is raise the effective rate of return on your investment while the funds are accumulating by roughly 25-30%, because you won't have to set aside a fraction of the investment income each year to pay taxes.

As a case in point, let's assume that your average amount of money in your 401(k) account for a given year is $80,000, and it's appreciating (increasing in value) by a healthy and respectable 8% per year. 8% of an average dollar value of $80,000 is 80,000 x 0.06 = 4,800, or $6,400. If that money weren't in the 401(k), the $6,400 would be considered taxable investment income, which has an average tax rate of 30% combined State and Federal combined, which means you'd get $6,400 * 0.70 = 4,480 added to your balance. Instead, the full $6,400 is added, and this effectively means that your 401(k) interest rate is higher for the purposes of compound appreciation.

Now, there are drawbacks to a 401(k) - first of all, you can't touch the money, barring a hardship withdrawal before the account matures. This means that it's NOT a fluid asset. You can't use your 401(k) to buy a house, for example. Nor can you use it to pay for your children's education, though there are similar plans to a 401(k) for both of those processes. If you withdraw the money before age 60, you will be socked with early withdrawal penalties that start at 10% and only get worse from there.

When you do make withdrawals on the account, you're going to have to pay all the deferred taxes on the income and interest; this can add up to quite a substantial sum of money; only 20% of your withdrawal will be withheld by the IRS, so there's a certain amount of accounting to do when you withdraw from your 401(k).

Finally, you have to stay with your current employer for the vesting period on your 401(k); this period ranges from 3 to 7 years depending on the 401(k) program, the size of your contribution and other factors. If you leave your employer before the vesting period is complete, a percentage of the matching contributions are refunded to your employer.

DevaCurl Curly Hair Regimen

If you have curly hair, you know that it can sometimes be difficult to manage. You need a curly hair regimen that will bring your hair to its healthiest, so that you can run a brush right through it. You'll enjoy using DevaCurl products because they will keep your hair from getting tangles, and condition it so that it remains healthy and bouncy. There are lots of styles that lend themselves well to curly hair, and DevaCurl products will show off your hair at its best.

The DevaCurl DevaFuser Kit is a great way to dry your curly hair. This hand-shaped, innovative diffuser will give you softer, healthier, shinier hair with no frizzies. It uses a 360-degree flow of air, which will gently dry your curls inside and out. The diffuser has surround drying properties and an ergonomic design that is truly unique. It is lightweight to use, and it helps your hair dry more quickly. It also helps to prevent frizzy hair. The DevaCurl DevaFuser Kit includes the DevaFuser itself, and it fits about 99% of all hair dryers. It also has a handy instruction guide, and a bonus of a 3 oz "Set it Free" Spray with Moisture Lock.

DevaCurl Low-Poo Cleanser works against dirt in your curly hair, seven days a week. It features a gentle, everyday cleanser that is best for oily and normal scalps, and it provides a relaxing, mild lather that comes from natural coconut. DevaCurl Low-Poo Cleanser fights the build-up of oil in your hair, without dehydrating it, and it's scented with mango and starfruit. You can find Loo-Poo Cleanser in small or large sizes, and it's never tested on animals.

To use DevaCurl Low-Poo Cleanser, wet your hair thoroughly and then apply it to the roots of your hair and your scalp. Use massaging, circular motions to help eliminate dirt, oil and product residue. Then rinse with warm water, but don't use combs or brushes on the cleanser in your curly hair. The ingredients include Hops, Balm Mint, Rosemary, and fragrance.

DevaCurl One Condition is an instant, ultra-creamy conditioner that restores a proper balance of moisture for your scalp and your hair. It's scented with lemongrass, and it helps to keep curly hair shiny and healthy, while it eliminates styling residues and odor.

To get the best results from DevaCurl One Condition, apply a palmful of product in your hair with both of your hands, and work it through each section or strand. If your hair is dehydrated, you'll also want to apply One Condition to your hair ends before you use No-Poo or Low-Poo shampoo.

If you want a moisturizing, lightweight curl-defining gel, look no further than DevaCurl Angell, which will help prevent frizz and give you a great hold without making your hair sticky or stiff. You can use it on dry or wet curls. You'll love the way you can just scrunch your damp curls and then head out the door. DevaCurl Angell will keep your curly hair free of frizz, while leaving it shiny and healthy.

Important vitamin-K-list

Vitamin K is a nutrient essential to blood clotting and to support the healthy function of vital organs like the heart and bones. Therefore, we highly recommend, suggest plans of CSR / DRI to achieve this goal.

By consuming a single serving portion of the vitamin K-vegetables, you will be able to be C have the recommended amount of vitamin DRI.

The recommended value for DRI Vitamin K is 120 micrograms per day for a year, adult 25. Thisno known cases of poisoning by an overdose of vitamin K is not more expensive care, then.

But everything must be consumed in moderation. Better be safe than sorry, and the first reported case of an overdose of vitamin K!

Vitamin K food list is made up of dark leafy vegetables mostly. Some vegetables with high vitamin C

Spinach
Cabbage leaves
Broccoli
BeetsGreen
Cabbage
Salad dressing with dark green vegetables
Asparagus
Salad
Cabbage
Other sources of vitamin K-cows are like the flesh of herbivores. They contain vitamin K, as they consume food in dark green leafy vegetables as part of their everyday lives.

Normally used for one of the vegetables and meat over abundant supply of vitamin K, it is estimated that 2 ~ 3 times the amount of DRI. However, make sure that the vitamin K-plantUndercooked to ensure the nutrients in vegetables.

It is extremely rare for a lack of vitamin K occur, such as vitamin K are needed in small quantities and only a portion of vegetables with vitamin C met the necessary DRI levels.

However, the lack of vitamin C is a serious problem. The blood will not be able to blood clots caused by a small shock can cut.

Some medications need to take and whatsuffered from liver damage or intestinal (operations) are a much higher risk than others to suffer on a vitamin K-. newborns fall into this category.

Then K is taking care to ensure the groups mentioned above will receive their regular dose of the vitamin.

Important

If you are taking medications dilution of the blood such as warfarin is not recommended because eating the vegetables earlier in the list of foods vitamin Kinterfere with each other. It is strongly recommended to help you with your physician for more information.

Although the vitamin K deficiency is rare, always make sure that you consume enough dark leafy vegetables, vitamin K to maintain the level of your body.

Get Your 401 (k) 's money worth it?

Three consecutive quarters of losses, many people frown when they write their 401 k () statements. But they would fight if they saw the angry accusations k (401 pay their brokers and administrators, management) money. is the latest book by Daniel Solin, "The smartest 401 (k) Book You'll Ever Read 'is the motto:" ... excessive a 401 (k) fees will cost as much as 20 percent of plan assets [p.56]. Solin do more to say: "... you can not get angryPrice to know, but what you pay [p.56] and [t] he withdrawal dreams of millions of Americans are at risk because few people are gong to complain about something you can not see them, and Don "t understand [p .57]. The sad truth is that employers have paid little attention to K (costs built in 401) plans, why not pay them to do.

Even the guard dogs of the securities field (most are invested in investment funds, pension plans), the United StatesSecurities and Exchange Commission and FINRA (Financial Industry's Regulatory Authority), with the health of the fund companies and brokers when they are involved with the financial well-being. Fortunately, the Ministry of Labor and the courts have an interest in running amok abuse the board has taken business plan.

On February 20, 2008, the U.S. Supreme Court that the provisions of 401 unanmously (k) Individual plan participants are entitled to recover their losses whenEmployer fail to meet their fiduciary duties. This landmark decision means that 50 million Americans put their money in retirement hours sponsored by the employer 401k have the right to recover their losses when the leaders meet for the management plans do not know what their obligation to manage their plans, as wisely. Without doubt, the legal community makes the decision of the Supreme Court how to lift the lid on Pandora's box to go after employers, shares of mutual fundsThe companies, third party administrators, brokers and others to get rich at the expense of American workers. In fact, this trend has already begun the search for the title, you can see, adding a 401 (k) class actions. "

The Labor Department is proposing a rule, employers and employees for fees and expenses of investment funds and other investments in a chart or similar format to detect charged. Obviously, the DOL believes that the transparency of feesand taxes are not very significant, or would not usurp the power of the securities regulatory authority for the police initiative for k 401 () information for investment. How do you know what kind of taxes you pay on your employer's plan? To begin with, you will find on your quarterly statement. In general, are on the website for the fund in which you are invested. Look under fund data. Also, if the prospectus for the fund that you readpurchased, you may have found the fees if you are willing to devote time and effort looking for.

The prospectus is very long, legal document, written and hopelessly complicated the company's funds, and blessed by the SEC, which is completely incomprehensible to the average person. The jargon of the real purpose is to provide legal cover for players who recommend, select and manage investment funds which are k options in 401 (plan) a. Goodmanagement fees and administrative costs are completely intertwined, and the average worker will never be able to discover the true cost. But be sure that in many cases the fees for brokers, managers, investment companies and all others who collect fees from 401 K () is from your income. And if you do not have the result - which was the last time the event - come from the hard-earned money you contribute each month for your golden years.

Is there a way toCost reduction? Not really, you see your employer, or a committee established by the employer chooses the investment options available in your plan. Suffice to say, there are hardly any thought is that such a choice, because your employer does not matter because you and your non-qualified personnel, the fees they pay to participate in this democratic process in general. Naturally the broker is there to ensure the correct options are selected. You should know that the broker has a vestedInterest in high costs because they determine their fees.

What can you do? You can request that are included with low-load funds or exchange-traded or mutual indexed in your plan. Ironically, not only lower taxes on fund selection, but the performance is generally better than high-altitude chosen, hyperactive dogs administered recommended by the broker. You can insist that your employer a service, providing no discomfort in your retirement planyou plan money invested your employer can contribute in an age of 59-1/2. In addition, these provisions will allow non-hardship money you without penalty to 59-1/2 years without charges and helped to trigger when to take it done well. Unfortunately, your employer is not usually aware of these provisions, and you can bet your bottom dollar that the broker or manager is not to break their silence. Here's some reading material for you:

"TheSmartest 401 () k book ever read by Daniel Solin.


"Tucked away in an escape hatch 401 (k) plans" to stimulate the Shelby Smith & Smith '.


"It plans to trend your 401 (k) easier" by Christopher S. Rugaber, Associated Press, July 28, 2008.

What is a Safe Harbor 401(k)?

Q: My company is considering offering a Safe Harbor 401(k) plan. What is a Safe Harbor 401(k) plan and how doe it differ from a plain 401(k) plan?

The Problem - Discrimination Testing. Many middle and small sized companies forgoe offering a 401(k) plan because they believe highly compensated employees (HCEs), officers and key owners (KOs) will be prohibited from maximizng their annual contribution limits. With a plain 401(k) plan this is oftentimes true. As many plain 401(k) plans require Department of Labor mandatory testing at the end of the plan year, contributions must oftentimes be refunded to remain in compliance - a taxable event and administrative nightmare.

The Solution - Safe Harbor 401(k) Plan. With a Safe Harbor 401(k) plan all employees, including HCEs, officers and KOs, can maximize contributions to the plan each year, even if lower paid employees do not contribute or contribute very little.

A plain 401(k) will fail its annual compliance testing if officers with incomes of $160,000 or more, and key owners (owing 5% or more) are credited with more than 60% of the assets of the plan. With a Safe Harbor 401(k) plan, all employees can maximize contributions to the plan each year, even if lower paid employees do not contribute or contribute very little.

Safe Harbor 401(k) Plan Requirements. A Safe Harbor 401(k) plan requires the employer to match employee contributions in one of three ways.
Option 1: A dollar-for-dollar match on salary deferrals up to 3% of compensation and 50 cents on the dollar for deferrals between 3% and 5%
Option 2: A dollar-for-dollar match on salary deferrals up to 4% of compensation
Option 3: A minimum 3% Non-elective Contribution (NEC) contribution to all employees eligible to make elective deferrals to the plan

Beyond the required matching, employers can add a profit sharing component to the plan to allow for additional contributions by the employer. Maximum tax-deductible employer contributions are limited to 25% of compensation on the first $245,000.

An employer offering a Safe Harbor 401(k) plan is providing an incentive for employees to contribute to their own retirement, through the form of a guaranteed match. Employees earn a 100% rate of return on the first 3% of their contributions under option Option 1 (above). All Safe Harbor contributions are immediately 100% vested. Translation: any balance in your account is yours if you leave the company.

Contribution Limits. Employee contributions limits are the same in plain and Safe Harbor 401(k)s: $16,500 for those age under the age of 50 and $22,000 for those 50 years of age and older.

Often Overlooked. Employers with 100 or fewer employees who start a retirement plan may be eligible for a tax credit. The credit equals 50% of the cost to set up and administer the plan and educate employees about the plan, up to a maximum of $500 per year for each of the first three years of the plan.

The deadline to establish a Safe Harbor 401(k) plan for 2009 is October 1, 2009.

Action Steps. Encourage Implementation of a Safe Harbor 401(k) Plan. A Safe Harbor 401(k) removes a key hurdle faced by many employers - the inability to maximize HCEs and KOs contributions. By implementing the plan, your company can reduce its administrative concerns and simultaneously provide a powerful benefit to all eligible employees.

What is a Safe Harbor 401 (k)?

Q: My company is considering offering a safe harbor 401 (k) plan. What is a Safe Harbor 401 (k) plan, and how it differs from a plane Doe 401 (k) plan?

The problem - Discrimination Testing. Many small and medium enterprises abandon plan offers a 401 (k), because they feel very balanced staff (HCES) officers and key rings (KOS) is prohibited contribution limits of their annual maximizng. A simple 401 (k) plan, this isoften true. Plain many 401 (k) plans require the Department of compulsory test at the end of the work plan contributions must be returned often for compliance - a past event, and an administrative nightmare.

The solution - Safe Harbor 401 (k) plan. With a harbor 401 (k) plan, all workers, including HCES, officers and Kos can maximize the contributions to the plan each year, although lower paid employees do not contribute or contribute muchsmall.

A simple 401 (k) will fail of its annual compliance tests, if the official income of $ 160,000 or more, and the principal owner (because of 5% or more) of the plan will be credited with more than one 60% of assets. With a harbor 401 (k) plan, all employees can maximize their contributions to the plan each year, whether paid employees less contribute only very little help or not.

Safe Harbor 401 (k) plan needs. A safe harbor 401 (k) plan requires theEmployer and employee contributions in a match of three species.
Option 1: A dollar for dollar match on salary deferrals up to 3% of compensation and 50 cents on the dollar for deferrals between 3% and 5%
Option 2: A dollar for dollar match on salary deferrals up to 4% of compensation
Option 3: A minimum of 3% non-elective contribution (NEC) give a contribution for all workers have the right to elective deferrals to the plan

On an adjustment, the employer can add a profit marginThe share components of the plan to allow additional contributions by the employer. high-deductible contributions by the employer to 25% of salary for the first $ 245,000 are limited.

An employer provides a safe harbor 401 (k) plan is an incentive for employees to contribute to its withdrawal, the form of a match guaranteed. Employees earn 100% return for the first 3% of their contributions to Option Option 1 (above). All Safe HarborContributions are immediately transferred to 100%. Translation: all located on your account with you when you leave the company.

Contribution limits. workers' contributions are the same boundaries in a safe haven and simple 401 (k) s: $ 16,500 for the years under the age of 50, and $ 22,000 for 50 years of age.

Often overlooked. Employers with 100 or fewer employees who start a pension plan can receive a tax credit. The loan represents 50% of the cost of installation andAdministration of the plan and educate employees about the plan, up to a maximum of $ 500 per year for each of the first three years of the plan.

The deadline for creating a safe harbor k 401 () 2009 is scheduled for October 1, 2009.

Action Steps. Promote the implementation of a "safe harbor" 401 (k) plan. A safe harbor 401 (k) employer eliminated a major obstacle faced by many - an inability to maximize contributions to HCES and Kos. With the implementation of the plan, your companyReduce their administrative affairs, while a performance improvement for all eligible employees.

How to use a self-directed IRA or only 401 (k)

Today it is no secret that most baby boomers are now to "catch up" with their pension funds. In just two generations, the professional world has been completely transformed. Lifetime employment with an employer with a gold watch and a guaranteed pension at the end is now a relic of the past. Moreover, once "untouchable" social security trust fund regularly invaded by heavy Congressional borrowing for decades. It is not uncommon today for people to change their place of work, property orLocations every few years. Most people now recognize that it is primarily the responsibility of the size of their pension. But to decide at the same time, with more life expectancy, improved health and a better life, most adults know that inflation reduces the purchasing power of social security benefits. However, many have left only to social security as the only means of saving for retirement. Now we know that means living in poverty in retirementYears.

Self-directed retirement accounts.

If you're a part-time or full-time investor or an entrepreneur, you have the best chance to control the size and timing of retirement. The options are to sell better if you first establish a company, a limited liability company or limited partnership that you manage. Among the improvements to the legislation, the limits on contributions and U.S. dollars have been expanding the range of investment opportunities. So why payanyone who hopes to manage your retirement, and "the best" on the stock market, if you jump, control your destiny board? The investment in assets that you know and understand is a way to minimize loss and may give better control of the gain results. Plus in the IRA are exempt from capital gains tax, so that the value of the dollar amount of your IRA can grow much faster over the years.

Other options available today.

With a self-directed IRA orSelf-directed 401 (k), acts as investment manager. Besides the usual options of stocks, bonds, mutual funds, options, etc. You can now also investing in a wider range of non-traditional investments:

Investments in real estate or property

O Mortgages Deeds of Trust

O Tax Liens Certificates

or promissory notes / commercial paper

Stock offerings or private

or renting property / Options

Limited liability company or

OLimited Partnership

Business or equipment leasing

O Structured Settlements

or mobile homes rentals

and foreign exchange trades

O Factoring Accounts Receivables

or secured and unsecured debt

Maximize your contributions.

Today, real estate investors can take full projects of small occupational pensions. This is easily set up as a traditional or Roth IRA allow individuals, but more of a reviewfees for these plans. The Small Business retirement plans include SEP (Simplified Employee Pension Plan) IRA, the Simple (Savings Incentive Match for staff) and the solo 401 (k) plans. For example, there are two components to maximize only 401 (k) - Plan: (a) The employee salary deferral up to $ 15,000 (paid not to exceed 100%), and (2) employer's contribution profit sharing with a limit up to 25 % of salary (20% for self employed). The totalContribution from both sources is $ 44,000, but do a "recovery" provision for people aged 50 +, the additional cost of $ 5,000 for an annual contribution of $ 49,000.

How do you stay compliance Others

To maintain the tax benefits of your self-directed Retirement Account, you must avoid what the IRS calls "prohibited transactions" (which are basically kind of self-management transactions). These include the sale of personal property, your IRA, your IRA to guaranteeborrow a loan, we will be the money from your IRA to buy property for personal use with IRA funds (must be only for investment purposes); purchase with IRA funds, collectibles such as artwork, antiques, etc. (although some coins of the United States could be characterized exceptions) to buy goods from you or your spouse with IRA funds, and why your company is in a building owned by your IRA.

Provision for asset protection.

Self-directed Iras and only 401 (k)The plans may (for the liability protection has become) "members" of a limited liability company ("LLC"). Although not required, is the "smart way to go to preserve value and reduction of liability" - no matter what state it in. In fact, your Self-Directed Self-Directed IRA or Solo 401 (k a can) LLC Member In addition to accounts of other co-investors and combine your IRAs for the results of increased investment. The LLC operating agreement for the Self-Directed Pension Fundsunlike other LLC and offers a framework to operate in the Investment LLC Your Self-Directed Retirement savings account so That everything is ready to invest in around the same time.

Plan configuration of self-control.

After months of looking at different vendors, I found it was the simplicity, ease of use and online 24 / 7 access to downloadable forms and instructions, Equity Trust Company (Ohio), one of the most useful Self-DirectedOnly self-directed IRA or 401 (k) plan custodians. They are the creators and will hold your hand while you learn the ropes. Surely there are others who are capable, but I found Equity Trust Company, under the most 'user-friendly. My contact is Mr. Tim Debronsky whose email address is t.debronsky trustetc.com @. Tim the telephone number is (440) 323-5491 (ext 329). When the interview Tim asked us to send the "Real Estate Investor Package '.

Basic Concepts Considered in Promoting Web Sites?

Content
Design
Social book marking
Social media sites
Forums
Blogs

Your web portal must comprise of relevant keywords besides having quality content. Content and design should be search engine friendly if you want your portals to rank well. You can't create a strong web presence with out having a search engine friendly web site. Focus on the key phrases that a user would look out for when he searches for a product information. If you have them in the right proportion, then you are sure to get more visitors to your home page. If not, your presence will not be felt online and you will merely exist in the online world but your portal will not be searched by any one.

If you don't want to be left out and have a non searchable portal, then you must resort to smart SEO practices. Besides having quality content and design which is Google, Yahoo and MSN friendly it should also have some useful back links. These back links will be created with the use of link building strategies. Make use of geo-targeting key words in the articles that you write and post in article directories. For instance, north east is your target, then you must be making use of these in your anchor texts and post them in the article directory resource box. Resource box provides you the back links to your portal.

Besides article directories, there are quality blogs and forums where you can create your web presence. Post useful blogs and get back links directed to your online business. Press release and social media sites are soon catching up fancy of the online world. These are high traffic portals as they have millions of visitors every minute. If you achieve back links from these social media sites, you will soon see your portal move up in the search engine result page, SERPs as we all know it.

How to use a rowing machine

Where are the correct sitting position and grip the handles is very important. You will find that moving the seat, unless they tend to have delivered the extra built by some of the larger companies. This prevents you from slipping and provide additional support.

The correct sitting position and grip the handles will also have better control and can stop the injury. Make sure the straps are nice and tight, and that the shoes do not moveround. Adjust the footrest in the right place for you to find.

The Warm Up

The heating is a very important part of boating. Failure to warm up before starting your routine might have a mild or severe injury if you start. You need to stretch the muscles of the legs, arms and back, before quickly into your routine. Otherwise, this may cause a distortion or muscle tension, before starting at all.

Rowing machines are great way toa good aerobic and cardiovascular workout. Once ready, the rowing machine you are using need to be familiar with some simple lines fit, then the computer starts slowly for 5 minutes, until your body is ready to begin.

If this is the first adventure sports for some time, ask your doctor before a strenuous exercise routine.

The routine

Sit in your oars, and enjoy the first sessionstrain.Take much a good look at the monitor and see what feels comfortable. Please read what appears on the screen and try to establish a number that feels comfortable. Learn to use a train filled the bar and try to develop a good rhythm with a natural stroke. Not do much at the first opportunity.

Cooling

A very important aspect of boating. The cooling phase is when the heart needs to slow down to defeat his only natural. Of course, ifYou're just beginning you will have this problem, but if you play on a regular line for about 3-4 times a day for six weeks, you must make sure you have proper cooling.

3 minutes is recommended. This allows the heart to adapt back to normal. It also allows time to check what you got by adding the information displayed on the monitor.

Once a well-deserved shower. If you had a good physical workout, it isrecommend running cold water on his legs. This will help to rejuvenate itself and allow the blood to remove toxins. This helps the body better and AIDS in a supply of fresh blood to the muscles.

Okay. Get ready for all the major lines. Finally, and in a rhythm and start rowing for a better lifestyle.

K-Cups - What turns me on Will Find K-Cups

K-Cups are small containers, vacuum exact portion of coffee from a coffee maker, Keurig Single Cup used with. First developed and patented to include Green Mountain Coffee, now blends gourmet others like Timothy's Own Newman and coffee caribou is available in K-Cups. There are over 200 types of blends of gourmet coffee and roasted and flavored coffee, tea and cocoa K-Cups. They are all fine Arabica coffee, known for their quality andcomplex flavors.

About two thirds of the world's coffee crop is Arabica. They produce better coffee and about 80% is used for coffee commercially produced. Of those selected, 80%, 10% only for special gourmet coffee. This is what you buy in shops and cafes of every coffee roasting. This is the coffee you brew a cup K.

What I certainly do not see a K-Cup is a blend of Robusta beans. Tastings as inferior, itRobust coffee beans are cheaper supermarket. Some brands have a certain percentage or Robusto beans are not all robust. The beans are often used as a filler and mixed blends of Arabica beans to make it cheaper. Then the labels will be able to advertise that the Arabica coffee contains.

Robust beans account for about one third of annual production of coffee. The coffee is robust and more resistant to bring a larger harvest, which makes the bean counters and the DreamDarling of the supermarket brands. Since these beans contain twice as much caffeine are awake for the maintenance of strength and are often popular commercial brands of pancake houses and all night truck stops. Robust is usually the basis of soluble coffee and is used in some espresso blends for the production of cream, frothy top layer. Strong adds a distinctive flavor and body to the espresso and milk drinks differ. Many Italian Roast Sturdy have in their mixtures.

RobustCoffee was no doubt that your grandmother made on the stove. He often tasted bitter and burnt, which was partially masked with milk and sugar. Until the end of 1960, which was an idea most people a cup of coffee or a cup of coffee from her grandmother's dinner. People did not think that the type of bean, its origin, as has been cool, or how it was roasted. Coffee is a beverage generic.

Then things began to change when Alfred Peet's cafe in Berkeley, California opened. SoldHigh quality Arabica roasted, as he had learned in the Netherlands, the coffee trade. Working with small batches and tested techniques of roasting, has a dark style Peet, a rich, complex coffee, a nice change from the taste of burnt rubber 'has been used coffee ho-hum American. The coffee and took the Peet success has been the catalyst for the movement of specialty coffees. Peet formed three friends in their methods of roasting, he moved to Seattle and founded in StarbucksToday 1971, Peet is widely credited with starting the specialty coffee revolution in the United States. Coffee historians call "the Dutchman who taught America how to drink coffee." So if you can not find Peet's Coffee, also in K-Cups, you can enjoy a wide selection of blends of Arabica and roasted by Green Mountain and many others.

K-Cup Coffee Makers

The mark Keurig K-Cup (R) coffee machines are convenient, efficient and easy good coffee machines at home. There are a number of makers to choose from:

K-Cup Mini-Brewer Do. She gourmet coffee, but only one cup at a time? Then the mini Keurig brewer just might be the solution for you. It is compact and easy to use. The Mini is an excellent choice for any place there are temporary, such as cabins, dormitories, recreational homes, boats and even on your Desktop at work or at home. The Mini brewer is easy to use and manufacture eight ounces wherever they can find an outlet. It takes only about 3 minutes Brewer Mini 8 oz of heat (to his tea and hot chocolate fanatic. And naturally Brewer Mini is cheap.

Elite Keurig Brewer. The Elite is a step ahead Mini Brewer. And 'far superior to most coffee producers to drop, and you can beer tea or hot chocolate as an option. Of course, using the mark> K-Cups (R) most of the time. The main difference between the Mini and the elite is its ability to hold for 48 ounces of water in a tank cheap, probably good for a full day of coffee! Keurig Elite comes with a removable tray to clean the machine easily and POP in your travel mug. The Elite is a great deal.

Special Edition Brewer. The Special Edition is an affordable step by elite Brewer and is still considered a coffee machine at home.The Special Edition will begin the "luxury" class of Keurig coffee machines. First, the design and styling for special edition of sophisticated and contemporary thought (Yuppie is!). The coffee brew deluxe has three options for the size and features an automatic on / off switch, adjustable temperature control, and a digital clock. Like the Elite, Special Edition holds up to 48 liters of water in his tank and comes with a removable tray so you can clean it easier to fill andYour travel mug. The Special Edition is a great buy.

Platinum Home Brewer. Keurig did a very clever. They were very systematic in their low-end to high-end coffee machines. You can see (and taste) progression. Platinum Brewer is one step away from the brewery Special Edition. And 'their best single-cup brewing system for the home. You have five options for the home size cup of beer. The Platinum features an automatic on / off switch and control temperaturea digital clock. and a "set your cup size" preferred option, which had never been in the past four models. The tank platinum is almost twice as large as in the previous three models and standard removable drip tray makes it easy to clean and fill a travel mug. Do not want to miss this car, and I ask why it took so long to convert!

Hang Ten at Herbie K's

I needed a cup of coffee or a nap on this particular Thursday afternoon when I spotted the "diner" sign. Herbie K's Diner in Cocoa Beach, Florida to be more specific. But a diner is a diner, right? And diner coffee should be just the ticket to give me a jolt and get me through to nap time.

It was clear on the short walk from my car to the front door of Herbie K's that Herbie wasn't interested in being the owner of just another diner. He wanted to own a piece of history. And, even though he was more than happy to have me stop for a cup of coffee, he was in the memories with a malt business. I went from the current stresses of the late 1990's into the mid 1950's just by opening a door and walking through it.

There is a spotless black and white checker board tile floor and lots of chrome waiting to greet you. If you have brought your sweetie and the kids, there are plenty of booths on the left.

I headed for a red padded counter stool mounted on one of those chrome bases which allow you to spin in and spin out. The perfect mood music blared from a juke box in the back. "Yakety Yak, don't talk back..."

There was a time when music was part of the menu. It still is at Herbie K's. Mounted to the back of the counter was an old friend, a chrome monument to the teenage years of rock and roll. Everyone of my vintage knows you can reach under the front of this space helmet with a mind for great music and flip through the music menu pages behind the glass cover. I fumbled for a quarter to go along with my growing smile but somebody beat me. There is only one drum opening like that. Wipe Out. Push buttons S5. The buttons are right below the glass cover and connect to the big juke box in back. This was America's first remote control. Too bad we didn't retain the idea of two choices for a quarter.

"Need a menu?" she asked as she stopped at my place on the other side of the counter. She was dressed in white and her long hair was tied with a a piece of red chiffon She had a white waitress hat pinned to the top of her hair. He name tag announced that "Bettybop" had walked out of the fifties to take my order. In a second or two, she was back with a pot of coffee and a white mug. "Cream?"

Hamilton Beach machines owned the back counter. Two machines could do three malts each. A friendly notice is painted above the back counter, "free java for cops in uniform." That's probably illegal today, isn't it?

In the corner stood a machine with a glass top full of little stuffed animals and a mechanical crane dangling over the furry trophies. Young males can still test their skills and prove their love for fifty cents. Behind me was a very familiar two ton Polaroid with the curtain door. My father never understood why anyone would pay anything for those grotesque little picture strips that drop in the outside slot after you and a few friends struck the perfect pose.

I should have been on my way but Herbie succeeded with his concept. Herbie K's had my attention. It was fun to sit, look, listen and flip through the music selection in crome monument in front of me. I started to dig for that quarter. Darn. Beat again. Hang on Sloopy. Push buttons K2. I liked that one a lot because it reminded me of Pat Powers and The Barn Party at the fraternity house. Thirty years flashed by in an instant.

A couple of counter cards pushed the blue plate specials. Yes they did have meatloaf. I wondered what else they had. Bettybop was speeding by writing on her order pad as she went by.

"Could I see a menu?"

"Sure hon."

She handed me a four page menu protected from grease or ketsup covered fingers compliments of a clear vinyl protective covers sewn into a black plastic borders. I'm glad I didn't order French fries. They're Murphy baskets. Order a "Murphy Basket" and you will get plain French fries. "Jack it" and they become cheese fries. "Make It Whistle" and your fries come with chili. Ask for a "Crying Murphy Basket" and you'll get a half order of fries and a half order of onion rings. Not into fries? Try "Jacked Up Elbows In The Alley". Macaroni and cheese, of course.

If you're into something healthy and light, try "Drag One Through The Farm." It's a nice big garden salad with plenty of turkey, ham and sliced boiled eggs on top of your garden salad. "Cackle In The Garden" changes the top to blackened chicken.

The menu is adorned with line drawing of old favorites. James Dean. Marilyn. Elvis. Herbie's story is on the front cover. He owned a diner up North and went fishing on a cold February day. The only thing he caught was a cold. He loves to fish so he moved to Florida and opened Herbie K's. Now he catches the "catch of the day" instead of a cold. Snowbird makes good.

Yes they do have burgers to go along with Simon and Garfunkels's Cecilia. Push M8. Just ask for "One Blown Up", "One Blown Up And Jack It" gets you a cheese burger, "One Blown Up, With Jack Benny" get you a bacon cheese burger, and if you want some variety of these with chili, you guessed it, "Make It Whistle."

"Burn A Pup" is a hot-dog. "Sour It" gets a hot dog smothered in kraut. You can also order from a wide variety of other popular sandwich combinations. "Jack Benny With A Dame"-grilled cheese sandwich with tomato. "Bossy On A Raft" is a steak sandwich. "Butter, Liver and Tongue" is, you guessed it, a BLT.

For those with bigger appetites, try "Throw A Bone On" which is the pork chop dinner or "Endless Italian" in case you are a spaghetti and meatballs lover. "Whiskers" is the catfish dinner which the menu promises is a real treat.

I looked up from the dessert menu and treats like "fish eggs" which is tapioca pudding and "fruit with a lid" which is pie and a song jumped right out of the portable juke box at me. We used high tech reel-to-reel tape recorders to record that song at every speed we could think of because we wanted to make out the dirty words we knew it had in it. Finally I found the quarter in my pocket and plugged the machine and punched in Q7, Louie, Louie. Nothing happened.

"Sorry hon," Bettybop said as she arrived at my station with the coffee pot. "It doesn't work."

Damn. A high tech failure at Herbie's just when my mind was ready to settle down for the day. I didn't have the heart to ask if all of these memories were just props.

"More coffee?" she asked.

"No thanks. I have to go be a businessman," I told her and I paid my check and headed for the door. I turned and asked her a question before I left the past and opened to the door back to the pressured future.

"Is there a place that sells fifties music around here?"

Choosing the Best Coffee K Cups

Choosing the best coffee k cups for you and others to enjoy can be extremely expensive if you are purchasing several full boxes at a time. Especially if you are unhappy with the k cup you have purchased. So how do you decide on what coffee k cups you should purchase without wasting a lot of time searching for the best product, over spending, and purchasing product you are not satisfied with. Wouldn't you rather be satisfied with the purchase you have made? Here are a few tips to help guide you through the k cup coffee selection process.

A great place to begin when choosing the best coffee k cups, is to first determine coffee roast level and origin of coffee you prefer. There are a large variety of coffee roasts you can choose from when purchasing coffee. If you have no idea of the roast level you prefer, visit a local grocery store or coffee shop and ask for a sample of the different coffee roast levels. This will help you get an idea of the roast your taste buds prefer. Keep in mind that there are hundreds of coffee beans to choose from all over the world. Different regions of the world produce coffee with extremely different tastes. Taking a few minutes to search online for the type of flavors you might enjoy in your coffee can help you narrow it down to a specific region. Once you know that you prefer coffee for example from Costa Rica, visit your local grocery store, purchase a small sample of the coffee and perform a taste test. Remember that every coffee roaster will roast the same coffee differently and the taste of the coffee can have dramatic flavor differences.

Purchasing your coffee k cups becomes so much easier once you have narrowed down the roast level you prefer along with the region the coffee comes from. Now you are able to perform a specific search instead of a general search for your coffee. Check out the product reviews for the different coffee companies to find out which one has developed a strong reputation for producing a quality coffee k cup. When you have found the manufacturer that has the coffee roasted at the level you think you may like, conduct an online search for the best price to purchase the k cups. Another option is to directly contact the manufacture and ask if they will be placing the coffee on special or offering it at a discount rate at any time through out the year.

Eye Opening Marriage Statistics

Marriage statistics are very vital to any country. This is because they will help judge the actual situation on the ground as we analyze what people have been up to in this regard. They will help the government recognize potential problems and society will know where to improve on. Marriage statistics in the United states are done by several groups or organisations. The most popular sources of the statistics include, The US Census Bureau and The National Center for Health and Statistics. Marriage statistics will contain several things. The first thing is the number of marriages in the country or state. The other thing is the number of divorces. From this, the rate of divorce will be known as well as the rate of marriage. Statistics will also inform you on the number of the unmarried population. Those men and women who are are living together without being married will also be known. Statistics will also show the married population in both men and women. This means that, you will get to know how many females are unmarried as well as numbers for the bachelors.

Marriage statistics will also not exclude children. You will get the number of children living with parents and those who are not. These statistics are fairly accurate because an effective mechanism has been put to work to ensure accuracy of the highest level. Let us begin with the number of marriages in the US. Since 1960, marriages have been seen to increase. In 2005, approximately 2,230,000 marriages were recorded, this was a slight drop form the previous year which had recorded 2,279,000 marriages. Many people are aware that the divorce rate has increased. This is an alarming truth that all people should observe. The number of divorce cases started increasing in the early 1970s and, they continued to shoot up. Today, almost half of all marriages end in divorce. Those people who choose to marry again in the United States, 70% will file for divorce again.

This is a trend that is disastrous and, it is vital to look into some of the things that have made the situation like this. Clearly, more and more couples are running out of patience when it comes to marriage. They have many options and, they are liberated in this sense. Modernity is one of the things that has led to increased cases of divorce. Women are finding good jobs and dependency on men is on the decrease. Traditionally, a woman was the one to hold a marriage. This has not changed and, more women are opting for greener pastures. The blame does not fall squarely on women, men are also to blame. Cases of infidelity by men are some of the leading causes of divorce world wide. To curb this problem, singles who are about to get married should weigh their options, if they are not ready to commit totally, it is better a broken relationship than a broken marriage. Re evaluate your life and see what you can change to make your life and that of your spouse better.

2007 401K Contribution Limits

An important aspect of investing is to always be aware of what amount you are allowed to contribute to your 401k account each year. 401k contribution limits change each year and there are two different 401k contribution limits you need to be aware of. The United States government sets the maximum limit allowable and your employer may also set their own 401k limits for their employees.

In the last couple of years, the U.S. Government has begun to understand the importance of saving for retirement and they realize that the 401k investment plan may be the best retirement vehicle for most wage earners in America. In recent years, the government has started to increase the limits to help individuals save for retirement. Realizing that social security may not be a viable option in the future, the government and companies are encouraging workers to save for their retirements by making 401k contributions.

Government Imposed 401k Contribution Limits versus Employer Imposed 401k Contribution Limits

The U.S. government puts out a list showcasing the maximum amount you can contribute to your 401k plan for that year. Employers may also set a maximum limit of what is allowed for their employees. For example, your employer might limit 401k contributions to a maximum limit of 10% of an employee's salary. That means that an employee that earns $50,000 a year can effectively max their contribution out at $5,000. However an employee who earns $200,000 a year would not be eligible to max out at 10% ($20,000) because the 2007 401k contribution limit imposed by the government is $15,500.

Retirement investors should first consider what amount of 401k contributions is allowed by their employer and then compare that with the amount allowed by the U.S. government.

Catch-up Contributions

If you are 50 years of age or older, you may want to check with your employer to see if they offer "catch-up" contributions in your 401k plan. If they do, this will allow you to contribute up to the maximum your employer's plan allows as long as this amount does not exceed the limits that have been imposed by the government.

Below are the maximum 401k contribution limits as well as the maximum Catch-up Contribution limits for 2006, 2007, and 2008.

2006 401k Contribution Limit: $15,000

2006 Catch-Up Contribution Limit (only for those over 50 years old): $5,000

2007 401k Contribution Limit: $15,500

2007 Catch-Up Contribution Limit (only for those over 50 years old): $5,000

2008 401k Contribution Limit: $16,000

2007 Catch-Up Contribution Limit (only for those over 50 years old): $5,000

Special K Diet - is an effective diet plan? "

The Special K diet was strongly supported by Kellogg's weight in recent years as a good way to lose. In fact, the company that you can lose up to six pounds in two weeks. But this really work? It is a diet plan that everyone should try? Here's a closer look.

What is the special K diet?

The fundamentals behind this diet is very simple. Talk with 3 K eating a bowl of a specific brand of cereal with 2 / cup of skim milk. You are eatingThis, together with a piece of fruit for two meals a day.

Your third meal can be anything you want. Snacks can be consumed during the day, but only if fruit, Special K Bars, or fresh vegetables. You can also drink what you want, but the water is recommended.

How to lose weight can help?

The Special K diet is another in a long line of low-fat, high carbohydrate diets. But replacing a bowl of Special K for lunch fast food, will naturallyeat less fat and calories. And this is the real situation here.

People lose weight if they eat less and take in less calories and fat per day. This is not difficult to understand.

You lose 6 pounds in 2 weeks?

If we are so accustomed to this diet plan which distracts, I think you can lose up to six pounds in two weeks. With this said, however, the Special K diet will be difficult to remain for a long time. How many people can continue to eat two bowls of the sameCereal every day, day after day? And 'natural that they burned quickly.

Part of the food law relating to money comes up weight loss. The consumption of fresh fruit and vegetables a day is healthy and good with weight loss. The same applies to drink more water instead of soft drinks calories. But there are better ways to lose weight that will not leave you hungry or burned.

Cargo Helicopters - The Kaman K-1200 K-Max

The K-Max, developed and manufactured by Kaman Aerospace is the world's first helicopter designed specifically for operations and the number of external lift. The K-Max is capable of performing work on a variety of roles including forestry, logging, agriculture and fire fighting. The ability to raise £ 6,000 without making it a favorite among construction companies, large pieces of equipment such as air conditioners or antennas in places where you need a placetypical crane is not practical.

The K-Max is a single-seater, single engine helicopter, which first flew in March 1992 and received FAA certification in 1994.

One of the most important design features of the cockpit of the helicopter is its narrow, in the pilot excellent visibility side and down, which is used substantially for the types of missions for the helicopter. Furthermore, the cockpit has an accident resistant seat with a restraint system wiring in five points.internal load can be placed in a compartment behind the pilot's position.

The helicopter is a light metal alloy. It is a simple design that emphasizes the strength and reliability. The two meshing counter-rotating blades are made of high strength carbon fiber and plastic. The blades are driven by one single Honeywell T53-17 turbo engine, tree tree 1,800 horses.

The helicopter has a maximum speed of 100kts, which is a bit 'on whichslow part, but also reduces stress and wear on the rotor system. The helicopter cruises at 80 knots and has a radius of 270 miles.

The Kaman used in place of the wheels skid. The wheels are placed in a fixed, tricycle type configuration. Every tool has a bear paw plate to prevent the wheels from getting stuck in the operation of snow and soft ground.

The U.S. Navy uses the K-Max vertical regeneration program at the event, which began in 1995 a. The K-Maxmaintained by land-based and country to demonstrate its merits in the management of the marine environment, which are typically hard on aircraft.

The FireMax of fire-fighting version of the K-MAX uses a 700 liter tank, the pump can refill Refill sources of shallow water less than 20 seconds with a hydraulically operated in hover.

K-Max riders praise the enormous visibility and handling, while operators praised its reliability.

Public School Rankings for K-12 gene of interest

There are many factors that go to public school rankings for K -12 gene of interest. For schools compared to only one or two items of inaccurate and it would be imprudent at best is based. For example, just based on test results of users and graduation rates would produce a distorted, if not a mistaken view of the public school rankings for K -12 gene of interest. The ranking really good public school. -12 Scoring Gene interest look at all kinds of things to decide for K, which arethe best, the worst and in between.

There are certainly some interesting, if not the most popular aspects of the school, the rankings go to public school for K -12 gene of interest. For example, you could compare schools based on their situation, and that from non-state funds. It is fascinating to note the differences between the city public school rankings for K -12 gene of interest for students attending schools, suburbs, towns and rural areas.

One such factor that couldPublic School Rankings for K from -12 to a gene of interest is the number of students come to school unprepared to learn. Coming unprepared to learn in school, including such things as whether a child has breakfast, a good sleep, or had the right clothes. This type of public school rankings for K -12 gene of interest may include, as much preparation for the next school day will be made or what mom and dad work with the child at home. Standings public school K -12gene of interest can also show that 26.8% of students across the country come to school unprepared to learn, get 22.2% of S students, 25.7 students in the city and 22.0% for rural students school unprepared to learn.

The lack of parental involvement is another aspect that the interest may be gene ranking information go to public school for K -12. 30.3% of students in the city, 18.3% of S-time students, 25.7% of students in the city, and 17.4% of rural students lack parental involvement. This means thatStudents have parents who can not volunteer at school their children attend school events, not to read their children at home, or with homework and school projects to help if necessary. This is definitely important when collecting data to reflect K Public School Rankings -12 gene of interest.

How many students cut class is a valuable piece of information to be considered of interest to the public school rankings for K -12 gene. The more a student is physically in class,the more he or she to learn and retain, the better the student is doing the assessments. E 'be terribly difficult to know if a child does not have! Students who live in cities, 10.3% of peers are cutting class. 4.3% of students are cutting class in the suburbs, 3.9% are in town and 2.9% of rural students cut class.

It 's interesting to note the many differences among students, note that live in cities, said that cities, suburbs and rural areas, and what datastudents a better understanding of public school rankings for K -12 gene of interest.

Vitamin K - Benefits, deprivation of food and sources

Vitamin K is needed for proper bone formation and blood clotting. In both cases, vitamin K does this by transporting the body of calcium. Vitamin K is a fat soluble vitamin. Vitamin K is best known for his real role in helping blood clot and prevent excessive bleeding. It also plays an important role in bone health. There are two naturally occurring forms of vitamin K. Plants synthesize phylloquinone, also known as vitamin K1. Bacteriasynthesize a variety of forms of vitamin K, with repeated 5-carbon unit side chain of the molecule. Vitamin K Warfarin is used by doctors to treat an overdose of the drug. Vitamin K plays a role in coagulation, and studies show that for the elderly in keeping bones strong.

Vitamin K is most common in foods like leafy green such as spinach, green tea, cabbage, kohlrabi, Brussels sprouts e. Some medicines may interactvitamin-K. Those patients who applied vitamin K after the procedure noticed a significant reduction in the severity of bruises. People with vitamin K deficiency bleeding and bruising are usually more likely to have. Dermatologists have recently identified the first, Vitamin K circles successful in treating dark under the eyes and bruises on his face. A study of color under the eyes, the beginning and end of the study was aconsiderable relief in the group with vitamin K and retinol combination.

The benefits of vitamin K for us: -

Before Vitamin C helps the body absorb calcium mineral beneficial.

According to Vitamin K also prevents the hardening of the arteries that the failure of AIDS in the prevention of heart disease and heart.

Third Vitamin K may help prevent or treat osteoporosis and bone loss.

Fourth Vitamin K is also prevention andBenefits for the treatment of cancer.

Fifth Vitamin K plays a role that calcium prevents the accumulation and reduces the risk of cardiovascular disease.

Lack of vitamin K:

Before Unusual bleeding, such as gums, nose, or gastrointestinal tract.

According to a bloody nose.

Third Unexplained bruising.

Fourth Eye bleeding.

dietary sources of vitamin K:

Before Cereals.

According Soybeans.

Third wheat bran.

FourthCauliflower.

Fifth broccoli and cabbage.

Sixth bacteria that line the gastrointestinal tract.

Foods rich in vitamin K

People who are on blood thinning drugs or anticoagulants after a stroke or surgery, food should limit your intake of vitamin K rich. Since vitamin K promotes mainly the formation of blood clots, you should ask your doctor if you should eat more food with vitamin K lower.

If you're trying to restrict foods for daily consumption of vitamin K-rich, so you must avoid various vegetables and green leafy vegetables. Here is a brief list of foods rich in vitamin K: broccoli,Spinach, chard, kohlrabi, mustard green, cabbage, cabbage, cauliflower o. If these foods are not on your list of favorite foods, so it's better.

The role of vitamin K in clotting or coagulation of blood has been one of the first known function. Doctors prescribing blood thinners and anticoagulants in general, in patients after surgery and stroke. The lack of physical activity in these patients usually are at high risk of bleeding, particularly inLegs. As mentioned previously, vitamin C has an integral role in the synthesis of several proteins that regulate an anti-clotting and blood clotting. Therefore, anticoagulants have been designed to inhibit or compete with some vitamin K.

Researchers are also looking for other side effects of drugs inhibiting vitamin K. As mentioned earlier, vitamin K has been shown that people increase bone density in the elderly. Therefore, the elderlyThe patients, the anticoagulant drugs also need to keep a watchful eye on their bone density.

Because of these dangers, people on anticoagulant drugs should consult their doctor regularly. First, it is important that the patient is controlled so that the doctor is able to determine the correct dosage. Patients should be monitored though the use of the drug is stopped, because it takes time to return the body to normal clotting.

The term vitamin K actuallyrefers not just one, but a group of fat-soluble vitamins that are essential for the synthesis and modification of certain proteins that are particularly needed for proper blood clotting. Indeed, the "K" is actually from the German word for blood clotting, spelled "bleeding". Vitamin K has also been shown to inhibit growth, and some studies show fungus that helps maintain strong bones in the elderly.

There are two forms of nature. The first is vitamin K1known as phlloquinone. Vitamin K2, or menaquinone, is normally produced by bacteria naturally present in the colon. In addition, there are three synthetic forms, called K3, K4, K5 e.

Vitamin K can be easily found in food and is produced naturally by bacteria, which are gastrointestinal tract, cases of vitamin K deficiency are very rare. However, it can happen. If bleeding or bruising easily, you poor.

Vitamin Kas part of the clotting real, that many of the most famous producers of rodent poisons have taken this knowledge. Many poisons are simple vitamin K antagonist rodents that inhibit the use of vitamin K a. Rodents simply die of vitamin K deficiency and bleeding. Some opponents are so effective that a single dose of the poison can kill not only rodents but also to hemorrhage in animals, a cat or dog,that the dead rodent to eat.

Our main source of vitamin C is actually the synthesis of naturally occurring bacteria in our intestinal lining. Consequently, in humans is very difficult to be defective, with a low intake of vitamin K. However, we can also become defective if not the vitamin from the digestive tract in our blood. A common cause of vitamin K deficiency is a disease of the liver.

The liver produces bile acids thatsecreted in the small intestine, where they play a crucial role in lipid absorption. These lipids are important because they are the blood of our current vehicles in vitamin K is absorbed. liver disease, the decrease in production of bile significantly reduce the absorption of vitamin K, vitamin K deficiency lead No matter how much vitamin K is in the gastrointestinal tract produce food or absorbed through food, without adequate preparation and bileabsorption of lipids, the body has become weak. So this is another good reason to take care of your liver.

Antibiotics, bodies are taken to treat bacterial infections, not only to kill harmful bacteria in our, but also eliminate the good bacteria in our intestines, which are our vitamin K. In order to restore your intestinal flora in a course of antibiotics is often recommended to eat yogurt with active cultures. There are also probioticsThis is available available in pharmacies and health food stores.

We constantly learn more about foods rich in vitamin K. Vitamin K should be avoided by people taking anticoagulants. It is now clear that vitamin K is essential for our health. However, stay tuned as we continue learning, health, more and more about exactly how the term vitamin K plays a role in our daily work and many years.

JK Rowling - the magician who created Harry Potter

JK Rowling, author of the famous revolutionary Harry Potter series of books he wrote his name in the annals of literary history. Anyone of any age and beyond geographical boundaries, has the charm of this fascinating history has been affected. The Harry Potter books may require the number one position to boast the top of the New York Times, USA Today and Wall Street Journal rankings. The last of the series, Harry Potter and the Half-BloodPrince is no exception.

Should be given here a little 'History of the authors of these books. Joanne Rowling was born in Chipping Sodbury near Bristol, England. After graduating from the University of Exeter, started as a secretary, and later moved on to teach English in Portugal. He currently lives in Scotland with her husband and three children. Their most important results include winning the Hugo Award, the Bram Stoker Award and the Whitbread Prize forBest children's book.

It 'was in 1998 in the United States, Harry Potter and the Philosopher's Stone was published. We support the Potter mania sweeps the entire nation a witness, both with children and parents want to read the same books! The rest came in rapid succession, and came through the autumn of 1999, two new books out. Harry Potter and the Goblet of Fire was published July 8, 2000 and within 48 hours after his release, about three million copies sold, thethe fastest selling book in history! This title was Harry Potter and the Order of the Phoenix claims "when it was published June 21, 2003.

Warner Bros., the film rights to movies all the Harry Potter books published so far created. The Harry Potter books by Rowling has been translated into 63 languages and distributed in over 200 countries. In addition, all five books published so far on the list of bestsellers in the United States, Britain and appearedthe world.

401k Early Withdrawal Penalty - How to avoid this large iceberg

The dreaded 401k early withdrawal penalty is a penalty of 10%, if that money is deducted from your account occurs before the age of 59 ½. In other words, took the money as income tax and 10% will be charged in addition to normal taxes you. There are some exceptions, if you do not have to pay the penalty. However, these tend to unique circumstances, such as the death of the participant 401K plan will roll the money into an IRA or other retirementAccount, an emergency has a disability qualification of participants, and a few others. It 's a good idea, all the various exceptions to the penalty for early withdrawal learn.

In addition to these circumstances, can sometimes inadvertently cause notices 401k penalty early withdrawal must follow strict rules for remittances. A common area where this can happen when the funds are from a 401K plan is transferred to an IRA account. If funds are given a check for 401kdirectly to the participant, this will trigger 401k early withdrawal penalty. Instead, students should be directed 401K Plan Administrator, the trustee of the plan, verification of IRA trustee account on behalf of the participants. This trustee trustee transfer to help this 10% early withdrawal penalty will occur. The knowledge of this rule can help avoid unnecessary errors.

The main aways from the above is that the traditional 401k is designedKeep people from making early distributions. Therefore, it takes a few inventory of your current careers and financial expectations for the coming decades, if you feel that it is very likely that you need to get some withdrawals before 59 years and a half is better, dear option other investments is to make a Roth 401K plan. These plans would allow you to pay taxes in advance of the review, but not to make withdrawals early withdrawal of 401kPunishment.

Special K Diet - How Special is Kellogg's Special K diet?

The spots are large. She appears thin and beautiful and absolutely enviable. The box is attractive. And the idea sounds great. For those who love a good bowl of cereal? But the real question is whether the Special K diet really work?

The simple answer to this question is yes. The Special K diet can help you lose weight. Study of women in the Special K diet, calories were two small enough to cause a loss in weight about 4.4 kgWeeks. Women who ate about 1560 calories a day usually in 2200 was held in the Special K diet.

How does it work? According to the website Kellogg, Special K diet is to replace two meals a day with a bowl of Special K cereal and skim milk. It does not replace any snacks during the day with fresh fruit and vegetables or a Special K cereal bars Then you would have your dinner bowl Special K for breakfast, lunch and another bowl normally. Simpleyou?

How special is the special K diet?

Although the easy answer if the Special K diet works "and" the real answer is a bit 'more complicated. While the Special K diet can help to lose weight a diet is not really true - there is nothing less innovative about it. Do not you lose more weight than you would with, say, the Slim Fast diet. The Special K diet is simply a low calorie diet, like any other,and maybe leave you hungry and less satisfied with many similar diets. The only thing that puts it apart is that Kellogg's is a company with a very clever advertising very smooth. Sorry.

A one-cup bowl, Kellogg's Special K with half a cup of skimmed milk grain runs about 170 calories. Add an apple, and you have about 250 calories. This reduction of calories is what helps you lose weight, and does not work differently than any other diet. If you were to eat 170-250 calories eachFood for two meals a day (with a healthy snack), you should see the same results. A Healthy Choice or Lean Cuisine microwave meal, for example, has around 170-300 calories, depending. Most often, a bowl of hot pasta will sound better than a cold bowl of cereal for lunch, and the result is the same.

So if you're thinking of going to the Special K diet, you go right on. Caloric intake is healthy to eat a normal meal and healthy snacks every day and theirconcept of calories will help you lose weight if you are able to leave things as they are. But it is also important to note that, Special K is not the only way for the consumption of a diet to follow this type. If you eat two low-calorie foods of all kinds every day, you will see weight loss.

It 'also important to note that, although not too bad, Special K is not very healthy. It contains high fructose corn syrup and little fiber. You'd do better with a cup of All Bran or muesli. Itquickly get boring, so feel free to change it with other low-cal options.

Your 401(k) Investments And The IGVSI

Smack, right up alongside the head. Your 401(k) investment program deteriorated rapidly as the stock market and the economy weakened. Who would have thought that there was so much risk of loss in those mutual funds, and ETFs? Fortunately, the pain is most often temporary, but the timing of the recovery could alter some participant retirement schedules and benefits--- not to mention the hefty confiscation level retirees can count on from Uncle Sam.

The popularity of self-directed 401(k) benefit plans is understandable. Employees typically get an instant profit from generous employer matching contributions, a variety of investment products to choose from, and portability between jobs. But the benefit to employers is far greater--- an easy, low-cost, employee benefit plan with virtually no responsibility for the safety of the investments, and no lifetime commitment to benefit payments. In some instances though, employees are required to invest too large a portion of their account in company stock--- a situation that has caused major problems in the past (Enron, for example).

401(k) plans have virtually replaced the private pension system, and in the process, have transferred total investment responsibility from trustee caliber professionals to hundreds of millions of investment amateurs. Employees get little professional guidance with regard to selecting an appropriate mix of investment vehicles from the glossies provided by 401(k) fund providers. Few Employee Benefit Department counselors have degrees (or hands-on experience) in economics, investing, or financial planning, and wind up using the "unbiased" counseling services of the funds' salespersons. How convenient for them. Interestingly, most salespersons also have no hands-on investment experience either--- go figure.

Similarly, the financial planning and accounting communities seem to have little concern about such basic investment tenets as QDI (quality, diversification, and income). If they did, there would never be instances where individual investors lose everything in their one fund, one stock, or one-property investment programs. QDI is the fire insurance policy of the investment plan, but few 401(k) participants hear about anything beyond: past market value performance numbers, future performance projections, and the like. They are not generally aware of the risks inherent in their investment programs.

This is where an understanding of investment grade value stock (IGVS) investing, the IGVSI and related market statistics becomes important to 401(k) participants, company benefit departments, accountants and other financial professionals. IGVS investing is just perfect for long-term, regular-deposit-commitment investment programs.

Somehow, we've got to get 401(k) investors to understand the framework of an investment/retirement program and, then, we have to get participants and/or their professional advisors to look inside the products being offered. As much as I hate the idea of one-size-fits-all investment products, they are generally accepted as the best way to deal with larger employer 401(k) programs--- most employers don't even know that more personalized approaches exist.

Only when some form of company, sector, or economy melt down occurs, does the head scratching (and the investigating) begin. 401(k) participants need to understand that they are not immune to the vagaries of market, economic, and interest rate cycles. Along with their employee benefit plan comes total responsibility for the long-term performance of the investment/retirement program. Are you in good hands?

Historically, IGV stocks fluctuate enough (both in general and by sector) to allow for mutual fund and ETF investors to select the less risky offerings from among the 401(k) product menu at the most advantageous times--- but all individual investors need to learn how to identify the risks and to learn how to deal with them. Typically, 401(k) participants buy the higher priced, last-year-best-performing, and hot sector offerings while they sell or avoid the various products they feel have "under performed" the market.

Nowhere else in their lives do they adopt such a perverse strategy. And nowhere else in their thinking would they blindly accept the premise that any one number represents what is, or should be, going on in their personal investment portfolios. Risk minimization begins with quality, is enhanced through diversification, and is compounded with realized income.

The first two steps require research, greed control, and discipline. The income part just requires discipline, so it should be much easier to manage. If you cannot identify and understand the individual securities within an investment product, and assess the overall quality (economic viability and risk protection), don't invest in it. If you have more than 5% of your portfolio in any one individual security, or 15% in any one sector (industrial, geographical, social, political, etc.), make some changes.

Since 401(k) plans are almost exclusively mutual fund shopping malls, it is difficult to assess the income or cash flow component of the risk minimization function. Product descriptions, or your benefits representative, should provide the answers. You can stay away from products that refuse to share the income with you, but the best way to benefit from a fund based benefit plan is to establish selling targets for the products you select. If your Blind Faith Fund Unit Value rises 10%, sell all or part of it and move the proceeds to another opportunity that is down 20%. Profit taking is the ultimate risk minimizer.

So long as we are in an environment where retirement plan income (and principal in the case of all private plans) is subject to income taxation, 401(k) participants would be wise to establish an after tax income portfolio invested in tax exempt securities--- or to vote more selfishly.

Understanding Safe Harbor 401K Plans

Safe Harbor 401K plans are a valuable investment for employees looking to invest the maximum amount of money into their retirement funds. It is especially beneficial for older workers who are concerned about having what they need when retirement rolls around, because these plans allow them to invest as much of their income as they want into retirement.

The rules and guidelines on how much of an employee's income can be invested and how much an employer is required to match, can get confusing, but it is worth learning the ins and outs of the Safe Harbor 401K option for workers who want to boost their retirement savings as much as possible in a short period of time.

This type of 401K retirement fund allows workers to invest as much of their earned income as they want, even if they choose to put in 100%. There are caps on the total amount, but it is over $40,000 a year and is adjusted regularly. If you want to invest all of your income, you will need to check the current allowed amount at the time you start the account.

While all 401K plans allow employers to match contributions, this model requires them to match at least part of what the employee puts in. In general, the employer must match 100% of the first 3% of the employee's contribution and half of the next 2% contributed. There is also the option to put in 3% of all contributions made by all employees.

If you are at all concerned that you may not have enough money to retire comfortably, then this could be a beneficial investment towards your future. This is especially true if you are getting rather close to the retirement age and need to boost your savings considerably in a short period of time. Essentially, you are being offered the chance to divert more of your immediate income to your retirement funds than would otherwise be possible through a standard 401K plan.

Whether you should invest your money in this manner really depends on how badly you need the retirement funds and if you can afford to give up a large percentage of your current income to make this investment.

You do not want to give up half of your income right now if it will put you in financial duress in the short term. Investing for the long term is very important, but it is also essential that you have what you need to survive right now. When determining how much of your income you can afford to give up, it is essential to list all of your current expenses.

If you two incomes coming into your household, you may be able to contribute a large portion of one of these to boost your retirement funds and still have stability from the other income. This is a great option if you are concerned about not being able to retire comfortably.

Do K&N Filters Foul Your Mass Air Flow Sensor?

As I was sitting there in the K&N info session, listening to a bald man with a raspy voice throwing me his best pitch on air filters, I thought to myself, "K&N really does care for their customers."

This guy wasn't just some salesman. Heck, he was as nervous as 6th grader giving a book report in front of the class. He stuttered and stammered over his words, as if it were his first presentation. But you know what? The guy knew what he was talking about. Cars are his life. Maybe it was the excitement in his words or the sweat dripping down his face, but I could tell he wasn't faking. He loved his job and loved talking about auto air filters. He even told us his life story-- about growing up working on cars with his dad.

But, back to the debate. People around the country are bringing their cars to dealerships and mechanics with MAF(Mass Air Flow Sensor) problems. The problem-MAF failure. What causes MAF problems? The dealerships claim excess oil from K&N filters is to blame.

The K&N representative, however, gave a compelling argument. If you are not familiar with what a K&N filter looks like, let me explain. It is cone shaped part, basically constructed of a paper filter with wire mesh around it. It attaches to a hose that brings air into the engine; blocking dirt, bugs, and any other hazardous objects that happen to make their way under your hood. The paper, which is the filter, is coated in oil.

Have you ever gotten a really greasy piece of pizza and blotted it with a napkin. If you haven't, I will give you the low down. The napkin absorbs the grease, practically making the paper transparent. Well the paper is similar. The filter absorbs the oil, which coats it for protection, and is invisible. You can't even see it. Mechanics are claiming that the oil from the filter is coming off the paper an affecting the MAF. Even if you were driving 103mph and held a grease covered napkin out the window, the oil wouldn't come off-trust me.

His number two argument. The MAF is fouled by oil right? Well, the MAF is in the engine. Do you know what is constantly cycling through the engine? You got it-- oil. It is much more likely for oil from the engine to get sucked through the intake and foul the MAF.

His final point. Is the filter fouling the MAF or is the MAF flawed? It is just as likely that the MAF comes defective from the factory. Mechanics are telling customers that MAF readings show it is "saturated" with oil from the K&N filter. But I looked at the cone-shaped piece in the man's hands. It was a solid, dry piece. He made a good point. Where would all this "excess" oil come from? Hmmm...

Of the 2,500,000 filters K&N sells a year, they encounter less than 200 dealership problems annually. The representative continued to explain the company's lengthy product testing process. I work for an automotive company, but I'm not that into my car. I'm more of a motorcycle guy. My point being, I was ready to buy a K&N air filter. On top of all the testing, K&N works with customers to make sure dealerships honor their warranties. Solid argument if you ask me.