Wednesday, December 26, 2012

Acid Reflux Home Treatment - Can Honey Cure Gerd?

You are not alone in your search for an acid reflux home treatment. Thousands of people are taking GERD into their own hands after little to no luck with antacids.

Have you noticed your antacids not working as well? Have you noticed your acid reflux getting worse? Have you ever wondered if it is possible to fully cure acid reflux?

In this article, you will learn the importance of one of the simplest and most effective remedies for acid reflux honey!

Why an Acid Reflux Home Treatment can Work

Do you know what the cause of your GERD is? Most people are unaware that a lower esophageal sphincter is the tissue to blame for your disease. Most gastro esophageal reflux diseases stem from a damaged or weak sphincter.

The lower esophageal sphincter (LES) is the muscle flap that is right above the stomach. The LES is responsible for keeping foods and acids in your stomach where they belong. However, our diets have become more processed and more acidic than nature ever intended and the LES has paid for it.

Fortunately, there are ways to strengthen and heal the sphincter that no antacid can do. Here is how you begin your acid reflux home treatment.

An Acid Reflux Home Treatment

Do you know what is possibly the oldest remedy known to man? Honey!

Honey has been found in many Egyptian pyramids and is thought to be one of the first remedies or medicines that man has used. And surprisingly, the Egyptians knew a lot more than we give them credit for about honey.

Honey has been clinically shown to do a lot of things. Studies find that honey can do everything from improve circulation to cure baldness. Honey can fight bacterial infections, reduce pain and inflammation and even regrow tissue. In fact, honey can help cure acid reflux.

For curing GERD or heartburn, honey can stimulate tissue on the LES or sphincter to regrow. All you need to do is eat about 3 teaspoons daily and you are one your way to curing the cause of this disease. It is important that you take 1 teaspoon after breakfast, 1 in the middle of the day and 1 right before bed.

Make sure to get pure raw honey that is usually sold in those cute little 'honey bear' plastic bottles.

Cure GERD in Hours

There are numerous other remedies that have been shown to cure acid reflux too! Have you tried aloe Vera juice to repair the sphincter?

If you would like to permanently cure and prevent acid reflux from ever coming back, please visit our website today. We offer a 100% guaranteed, researched Acid Reflux Home Treatment that works in hours. Download your report today!

Cure GERD

Tuesday, December 25, 2012

Philanthropy and Daniel Chavez Moran

Charity is a blessed thing in this day and age. Truly charitable actions are rooted in a place of deep humanitarianism and empathy. Dictionary.com defines "philanthropy" as an "altruistic concern for human welfare and advancement, usually manifested by donations of money, property, or work to need persons, by endowment of institutions of learning and hospitals, and by generosity to other socially useful purposes".

It is clear, however, that what matters in philanthropy is the thought behind it, not so much the monetary value of the means. The ability to empathize is crucial to all philanthropic ventures. To that extent, money is secondary in the philanthropist's world.

Empathy is what determines the value of your charitable deeds, so doing good deeds only because you are forced to do them is not exactly true charity. Those who are truly generous shall find a way to give, even when they have little means for it. Philanthropy is for everybody.

What is important is that you have love for others. A philanthropic person is thus at heart a person who can feel on behalf of others. The capacity to feel for other beings is what determines the value of a charitable act and its doer.

The official Daniel Chavez Moran blog shows all these principles put into practice. His philanthropy has been characterized by a deep commitment to respecting others, a respect manifested even in his business. The man has lived his life with a charitable spirit.

The man was responsible for one of the biggest companies in Mexican real estate development these days. He chose to call it "Grupo Vidanta" because "vidanta" in Latin pertains to helping people achieve happiness. It is a forward-looking company with great consciousness of the aims of the people in and around it.

There is a constant commitment to taking into account the needs of all people concerned with Grupo Vidanta. It has been said that it is one of the best companies to work for due to its valuation of human resources. The company believes that as its bellhops, managers, doormen, receptionists, and other hotel staffers are happy, the happiness will infect its guests as well.

Grupo Vidanta's three core principles are focused on respecting its people first, its customers second, and then the environment. The employed people are a primary concern for it. There is great environmental consciousness here as well.

Moran later created a foundation for charity too. His focus was on the youth of Mexico, specifically the ones without the money to live well and study. He was not satisfied to rest on his own wealth: he wanted to do more for others.

Articles on Daniel Chavez Moran and his philanthropy started coming out, especially after he expanded his philanthropic efforts by creating Grupo Vidanta Foundation. He then made a great sacrifice in the eyes of the business world: he withdrew from his executive posts and started working exclusively for his charitable ventures. His works have inspired many others to work towards the same goals.

Sunday, December 23, 2012

Why Real Estate is Your Best Investment

Using Real Estate to Control Risks

Real estate allows you to control your risk because you can actively participate in the decision-making process. Passive investments such as stocks don't give you this opportunity. Movements in investment real estate values are less erratic than in the stock market. Most people don't understand the economic forces influencing the market. Since real estate is less volatile, it's easier to control and to understand. A real estate investment is tangible. You can touch it, you've been exposed to it all your life, and you can identify with it. As a result of this familiarity, you are better able to understand it.

Effectively Reducing Your Taxes

Real estate ownership,especially midsize apartment buildings, continues to be the most popular form of investment because of its potential for substantial tax savings. Since you are able to actively participate in the management of real estate, the Internal Revenue Service (IRS) currently allows qualifying individuals to write off up to ,000 per year against salary and other income. No other investment gives you this capability. In addition, you can defer paying income taxes on profits indefinitely by using tax-deferred exchanges.

Leveraging That Works

Real estate is the only major investment that gives you the ability to acquire ownership with very little money down. This degree of leveraging allows you to amplify profits by using other people's money. The more assets you are able to control, the more opportunities you have to succeed. The degree of leverage is calculated by dividing the total purchase price of the property by the amount of funds used to purchase it. Thus, if a down payment of ,000 plus a ,000 loan is used to purchase a property, a 10 to 1 leverage ratio has been achieved. The greater the leverage, the more equity will increase or decrease with the change in value of the property.

Why Real Estate Investments are a "Smart" Way to Become Wealthy

Over 50 percent of the wealth of the world was in real estate in 2000. In the United States, real estate accounted for 48.2 percent of the wealth (of which residential real estate represented 36.7 percent). Equity investments (stocks) amounted to 19.3 percent and bonds 21.1 percent.

Real Estate Versus All Other Real Estate Investments

In the past 20 years, multifamily income properties have delivered the highest average total investment returns of all real estate types. With a built-in hedge against inflation, it's no wonder that multifamily real estate has out-performed all other types of real estate investments with relatively low risk. Based on supply and demand over the next 10 years, residential income will out pace all other types of real estate investment. Strong demographic and financial indicators along with changing lifestyles should continue to positively influence apartment investments.

With an average unleveraged rate of return of 10.2 percent over the past 20 years, residential income property has proven to be an attractive low-risk investment. From 1990 to 2000 residential income investment provided a more consistent higher total average rate of return than all types of properties and with less variance.

Although 10.2 percent is a great rate of return, it won't get me on the dance floor. What will get me dancing is the rate of return using leverage. A rate based on a 25 percent down payment (leverage) works out to be over a 20 percent rate of return. This type of return definitely gets my feet moving.

Three Advantages Apartment Investments Have Over Other Types of Real Estate

Apartments should remain well ahead of other major property types because they are generally more stable. Three important factors account for this stability:
They are less dependent on business cycles for occupancy than any other types of real estate investments. It doesn't matter if interest rates and home prices are high or low, apartments are generally more affordable.
Apartments have shorter leases; thereby offering greater protection from inflation than the long-term leases associated with other properties. That is, rents can be negotiated more frequently.
The pool of tenants is much greater for apartments than other types of properties. This ensures a more consistent occupancy than industrial and commercial properties, which usually have only a few tenants to choose from.

The Building Size That Gives You the Greatest Profit Potential

When investing in apartment complexes, try to find the right building size that makes the best use of your time and gives you the greatest profit potential. Single-family houses and small apartment units do not always work because of the competition and property management problems. Managing property on a day-to-day basis may not be for you. You could spend just as much time on a four-unit building as on a 40-unit complex and not make nearly as much money. In fact, because owners of smaller properties usually become emotionally attached to their property, you tend to spend more time with them telling them that they made the right move. Larger units are the domain of the institutional investors, and you can't compete with their availability of funds. After making many property transactions, you may find, as we did, that mid-size apartment buildings are the right niche.

APARTMENTS-THE COMING BONANZA FOR YOU

Supply and demand play an important role in residential income property value. The demand for rental property is increasing because the number of people entering the rental market is increasing steadily each year. At the same time, construction costs, stricter zoning ordinances, and environmental factors are limiting the new construction of residential income property. Together, these trends bode well for investing in residential income property.

Because the 1997 tax act allows joint owners to exempt capital gains of 0,000, more and more people are selling their homes, saving their money, and moving into rental property. It is estimated that the demand for rentals is likely to increase over 10 percent during the next 10years. Residential income property offers one of the best protections against inflation. In fact, a study reported by the Journal of Financial Economics found that residential real estate is the only investment that offers a complete hedge against both anticipated and unanticipated inflation.

People always need the three basics-food, clothing, and shelter. As the population grows, the need for shelter grows along with it. The hedge against inflation with residential rentals is greater because, unlike long-term commercial leases, they are generally on a month-to-month basis. As prices increase, apartment owners can increase rents more rapidly with month-to-month leases than commercial owners who have long-term leases.

Low-rise developments or garden apartments, midsize apartment buildings, in suburban communities account for more of the buying and selling transactions than luxury apartments (which have a much smaller market). Seven out of ten millionaires made their money in real estate. Shelter is not only vital, but it's often the greatest part of a person's net worth.

A midsize apartment is one type of investment that is a source of security and stability. Every investment has peaks and valleys, including rental real estate. But over the long-term, it always comes out on top. The key is knowing the right time to buy and sell. That is the golden rule in investing. This book will give you the knowledge you need to invest at the right time and right place.

REAL ESTATE: THE SHOCK ABSORBER

Real estate generally outperforms equities because of its higher yields, greater price stability, and downside protection even in a recession. When stock markets are down, real estate holds value and produces a positive return. Real estate is less prone to booms and busts than in the past. Residential income-producing real estate is now stronger than it has been in many years.

SUMMARY

Since apartment investments can be seen and touched and are not an abstract form of ownership evidenced by a piece of paper-they are investor friendly. People can identify with doors and windows, bedrooms and bathrooms, and floors and roofs. They don't feel that the market is being manipulated by programmed buying and selling. They feel they have control over their investments.

Shelter is one of the basic necessities of life. You can't comfortably sleep on gold, silver, or stock certificates, but you can stay warm and dry with a roof over your head. There will always be a need for housing. And midsized apartments fit the bill.

Friday, December 21, 2012

The first step - Finding out about college loan consolidation

We might think that for a regular college student the main concern is to attend classes, study for exams and turn in the papers before the deadlines. However, this is not the case in North America. The students in the United States and Canada have to deal with quite complicated financial decisions throughout their years of higher education. The reason is that higher education in these countries is provided by private institutions, which offer quality education but at quite spicy costs. In these conditions, students and their families have to face tough financial decisions when they choose a college to attend. For most of them, the fees are too expensive so the first step is to try obtaining a full scholarship or partial financial aid. For the rest of the expenses, there is the widespread option of contracting a college loan.

Students can contract more than one college loan during their four years of college. If they also pursue graduate studies, it is likely that they will end up with a collection of college loans that they end up paying back for many years after graduation. It thus turns out that a college loan is not something you leave behind at graduation, along with all the other college stories, but it is a life-long commitment. The practice of contracting a college loan is so common that an entire business has developed around it covering financial and legal services for the loan contractors.

A college loan can be offered by either a governmental agency or by a private company that takes care of such financial services. If the student contracts all his student loans from the government, than he can use the option of college loan consolidation. College loan consolidation is extremely advantageous because it actually means replacing a whole set of different loans with various interest rates with just one loan having a unique rate. The main benefit of college loan consolidation is that it gives the chance to lock in the interest rate at its current value (the value at the time when the consolidation is made) thus offsetting changes in interest rates taking place over the next years, when the loan is being repaid. Nowadays, all recent graduates are advised to pursue college loan consolidation as soon as they can because rates for college loans are at an all time low and they will not remain so for too lone. Doing college loan consolidation now means that the student makes sure he or she will pay the same low rate for the following ten or more years, although interest rates for college loans may increase by 10% or more in this period.

College loan consolidation is most commonly done by recent graduates, who are starting to face the difficulties of starting to pay back the loans. Usually, during the college years, the government will subsidize the payment of the rates for students. During the first six months after graduation, young people can still be saved the trouble of having to think about college loan consolidation because they are given a grace period during which no payments should be made. The wisest of them start thinking about college loan consolidation in this time though. They consider alternative options and decide which scheme for college loan consolidation is most beneficial for them. College loan consolidation may be a tough decision to make, the financial packages offered include details that may be tedious to follow and understand. That is why recent graduates may end up postponing thinking about it. However, they are being pressured more and more to become responsible and do college loan consolidation now because of the low interest rates they should be taking advantage of.

Monday, December 17, 2012

Business Idea With The Bank Bin Database

Even if you are not the owner of a retail store or a virtual online store, you could initiate a successful business using the bank bin database system. With a little determination and with a smart management strategy, you could offer bin database services to potential customers. Let us see a simple business plan for a bin database listing business.

1. Buy the bin database software

While the bank bin database program is both available in the bin database download and online version, buying the program is mandatory for you. Therefore, buy the bin range database program, and use the bin database check feature to familiarize yourself with the features of the program. At the same time, start developing your site offering bin database and bin search services.

2. Attracting the clients

Search the blogs and forums to find online stores and businesses that had problems with bankcard frauds and scams. While this operation is time consuming, it is not that hard. Find the clients that had to request chargeback for their operations, and see what sites are the preferred targets of internet pirates. Make a list of those sites, as they are the potential clients of your bin database program.

3. Presenting the advantages of the bin database search program

Don't rush to make offers to those sites just yet. In order to use the bin database table for offering services to your potential clients, you will have to prove that your service is reliable. This is why you need the quality of Cards Processor Authorized site. Only if you have this quality, your clients would trust to offer you the bank details of their customer for processing. We must tell you that this process is not easy. For example, if you want to offer bin database Amex services, you will have to be certified by American Express. The same certification is needed for bin database MasterCard services. Obtain those certifications, and state this quality of your service in your offer.

4. Customizing your offer

Create a draft with your offer. Do not forget to mention that you offer bin database American express, and bin database validation services, as well as visa card bin database operations. You can also offer bin database free services at start, so the clients would understand the reliability of this service. Entrepreneurs that tried to sell the bin database credit card services in the past were more than happy about the incomes, and even if obtaining the quality of card bin database processor is hard, the clients are more than happy about buying those services.

If you are able to initiate a bin database bank service of this kind, you will be like an affiliate service for the bin database bank identification numbers main site. Therefore, before offering services of this kind, you must be sure that your bin database bin search provider is reliable. Once you have that provider, you could also ask the customer service representatives of that site about initiating your affiliate business, as they usually are more than willing to help you.

Thursday, December 13, 2012

Small Business Funding: An instant relief in financial crisis

Whether you are a start-up or promising businessman small business funding is the best solution for your business. Many organizations need cash flow to their business either to expand, meet daily operational costs or timely up-gradation.

Obtaining loans from banks and other institutional organizations becomes really difficult for small business. They have to go through tough paperwork and procedures before getting their loans approved. The nonstop running around to these traditional organizations makes them exhausted and sick of procuring loan. Above all the credit rating of the small business makes their situation more painful to get a loan.

Many financial organizations will be happy to offer small business funding to your business to retain in this vigorous ever changing business atmosphere. These organizations make longer credit support to the firms to meet up their last minute cash requirements.

Small business funding can sell your future receivables at discounted prices. You can use funding for small business loans, cash advance, working capital, receivables financing, restaurant equipment, retail funding, business loan, financial service, unsecured loans, and MasterCard sales, Credit Card Receivables, equipment purchases, advertising, renovations, expansion and more.

FundFactor is the one stop solution for all your fund related problems. We not only provide easy and quick cash flow to your business but also make you get rid of all the formalities of obtaining funds. Our small business advance funding services are available to diverse forms of small business including various retail businesses, restaurants, beauty salons, clothing stores and many more. We offer advance cash funding within 72 hours of receiving an application.

Our small business Funding is designed as a simple and economical way for small businesses to obtain cash funding when they need it. Our payback system is simple and unperturbed. A small fixed percentage will automatically be deducted from your monthly credit card receipts. You do not have to worry about paying fine for late payments.

There is no fixed rate of payment. It is based by the size of your future credit card sales. When your business is flourishing we get paid more and when it is suffering from temporary recession we stand it with you. The percentage and amount to be repaid will never be amplified whether you repay the loan in 6 months or 6 years.

Our small business funding strong points are:

? Cash Advance Funds in as little as 72 Hours

? No Security or Collateral Required

? No Credit Score required

? No Fixed Repayment Term

? No Late Payment Charges

? Repayments Based on a Fixed Percentage of Monthly Credit Card Sales

? Repayments Automatically Deducted from Credit Card Sales

? No tax returns required

? Up to 0,000 per business location

So if you are a big or small venture you need some extra cash for your instant requirement in future. It will save your time and pressure of last minutes running around for cash flow into your business. So before the lack of funds destroys your businesses, contact FundFactor.com for small business funding. We will make it instant.

Friday, December 7, 2012

Self-directed Iras - Why Dividend-paying Whole Life Insurance Offers An Attractive Alternative

Are self-directed IRAs all that they are built up to be? Let's consider that question. We've all been sold on the idea of IRAs as a wise investment product. Contributions accumulate in value during your working years, allowing you to enjoy the fruits of your labor upon retirement. And they do offer tax benefits to their owners. Sounds great. But when looked at closely, you begin to see the limitations of IRAs.

Understanding the Limitations of Self-directed IRAs
Self-directed IRAs, in particular, are attractive to many people who like the idea of controlling where their money is invested. You can use these accounts to contribute and control your investments in the stocks, funds or bonds of your choosing. When using traditional IRAs, your contributions and capital gains are tax-deferred, allowing more of your money to be used in an investment strategy.

The limitations of these IRAs, however, is in their nameIndividual Retirement Accounts. As a financial tool, these accounts are strictly for retirement, and they are regulated by the IRS as such. If you don't follow their rules, you can lose your tax benefits.

To begin with, the tax benefits of these accounts are limited. Contributions to traditional IRAs are made tax-free, but get taxed upon distribution. Roth IRA contributions go in after tax, but distributions are tax free. Also, if your Adjusted Gross Income is K or more (single) or 9K or more (married) then you will receive no deduction on your federal income tax filings for your self-directed IRA contributions. So for those earning more than those amounts, these accounts are hardly a tax relief vehicle and seriously limits their value as an investment product.

The IRS also regulates the contribution amounts, investment use and distribution of these types of accounts. There are limits as to how much you can contribute annually. Currently, if you are younger than 50, ,000 is your limit. If you are older than 50, you can contribute up to ,000.

Self-directed IRAs are also limited by what you can use your money for. There is a self-dealing rule, for example, that says you can't act or benefit on your own behalf as a trustee of your money. Basically, you can't have any direct or indirect personal involvement or gain from any of your investments. That includes renting a house you bought to a family member. If you used self-directed IRA funds to purchase that house, you can't even fix the kitchen sink...let alone allow your niece to rent it. These investment limitations are fairly severe.

The same limitations exist when it comes to the distribution of your funds. With few exceptions, you can't access your funds until you reach the IRS retirement age. If you do so, those funds will be subject to the normal income tax plus a 10% withdrawal penalty.

Offering a Better Way
Dividend paying whole life insurance offers a platform that provides many of the same benefits of an IRA, but without the limitations. In fact, when used as an Infinite Banking System, the cash value growth and tax benefits of these policies go above and beyond most retirement investment strategies.

With a dividend-paying whole life policy that is structured to work as an Infinite Banking System, policyholders will benefit from:

tax-deferred income growth
tax-free distributions via policy loans
tax-free withdrawals up to your basis
no contribution restrictions, subject to health underwriting
no income-level restrictions
a death benefit for beneficiaries

Understanding the Infinite Banking Concept
So what is Infinite Banking? It's a financial philosophy of being your own bank and its predicated on the tax and investment advantages of a whole life policy. You will fund your account with your premium payments. The insurance company will, in turn, invest a portion of your premiums in very safe financial instruments such as bonds. These will be be diversified by industry, maturity and geography for added investment security.

Gains from these investments will be factored with overall performance of the insurance company. The costs of overhead, mortality (death benefit payouts) and other expenses are subtracted from the gains. What's left is the excess that can be given back to the policyholders as dividends. Typically, these policies have a guaranteed tax-free growth rate of around 4%.

Through your premium payments and dividend earnings, the cash value within your policy will begin to grow, and that's where the greatest benefits begin. You get to be your own bank.

When you put money into a traditional financial institution, they will pay you a small amount of interest. When you borrow from that financial institution, they will charge you a greater amount of interest. In the banking industry this is known as the spread, and it's how financial institutions make their money.

A dividend-paying whole life insurance policy allows you to lend money to yourself using the cash values within your policy. You control these funds and dictate the re-payment terms. That means you set the interest rate, the amortization period and other loan terms. As you pay back the loan, you also pay yourself interest, and collect the spread that would otherwise go to your lending institution. There are no penalties for a late or missed payment. And there are no loan fees or other transaction fees.

You can use these personal loans anyway you want. Finance your car, pay yourself back. Finance your roof, pay yourself back. Finance your business, pay yourself back. You're in control, not the IRS.

In addition to the income growth opportunities available, there are numerous other benefits to the Infinite Banking Concept. By borrowing money from a properly structured dividend paying whole life insurance policy you can enjoy tax-deferred growth of money, tax-free distributions via policy loans, and an income-tax free death benefit for your heirs.

Who wouldn't want a place where they can put their money to grow tax-deferred without all the limitations of a self-directed IRA. By using a dividend-paying whole life policy as an Infinite Banking System, you have full liquidity, use and control of your money. Instead of discouraging self-dealing, the Infinite Banking System encourages you to use your funds whenever and wherever you can in your own life.