Investment Mutual Funds and Gold Still Cloudy Year

Entering the beginning of 2013, for those of you who intend to start a new course, learn to invest wondering, what is the appropriate investment baskets this year. Financial planners assess, investment funds and precious metals will still be brilliant in this water snake.

CEO & Chief Financial Planner ZAP Finance Pritchard Hapsari Ghozie reveal a person needs to have an investment for his future needs. A good investment is a good investment in accordance with the relevant person’s dream. However, the investment instrument must be adjusted to the financial condition of each.

“Suppose someone who will invest the fund for two years, in contrast to investment instruments with people who will invest the fund for 10
years. Financial conditions also need to be seen, “said Pritchard

Pritchard had any recommendations for those who are just starting investment. For ordinary investors, Pritchard suggests, it is good to pay attention to several investment instruments such as mutual funds, precious metals and savings.

According to Pritchard, the investment in stock mutual funds in particular have proven the value of the yield (return) is advantageous. In 2012 alone, he said, the fund yield is much higher than the benchmark, even surpassing Composite Stock Price Index (CSPI), which is only 12% through the numbers. While equity funds can yield up to 30% through the numbers.

In addition, the precious metal was also judged to have an advantage that is promising. Unlike mutual funds whose assets are controlled by the investment manager, for precious metals is the opposite.

“Assets held our own. We are in control,” he said.

To that end, Pritchard predicts, investing in precious metals this year will still be bright. “Last year
Precious metals gain an average of 9% through the numbers, but the precious metal profits not per year but for a matter of 3 years, so gold (precious metals) is still good, “he said.

As for savings, he explained, the investor needs to have an emergency fund in the middle of the road if they need funds unexpectedly. “It is necessary lest amid sudden need of money, rather than having to dilute investments, better capture of savings,” he said.

Splashy gold luster

Within a week’s hoopla happening everywhere (in the public and the media) about the bulging gold investment said. And again for disadvantaged communities.

There are many similar schemes on offer from gold investment boom of a scene in the last 2-3 years. Starting from gardening gold until the last one is to buy gold at a higher price than the market price.

Some people may be confused by the scheme. The simple explanation is that some companies offering to sell gold at prices 25-30% above market price. Then we were promised would receive a minimum return of 2.5% per month or the equivalent of 30% per year. This makes a lot of people interested.

What actually happens is, the money is returned to us in the form of the actual monthly yaaa our money too. Even that is never explained is where the difference in 25-30% of these funds and used for what?

It certainly managed by companies that raise funds. In other words, investors actually “borrowed” the funds to the company to be twisted around, on the pretext of underlying assets such as gold bullion, which is already a right of investors who purchased the premium price.

Now, the question on “play” Where’s the money? It may be traded to the stock market, or indeed made play forex buy gold futures contract. That was never explained to investors is the risk of the transactions of the fund.

Society is seduced by the promise of physical gold as a great investment plus the return. And when the transaction is stalled alias or loss can not be played, then the blur is the owner of this company.

Genesis-Abal Abal investment can provide a lot of feedback for us all. There are several conclusions that we can draw are:
1. Educate the public about financial products and investment is still less so
2. Our society is still much to dream of sudden wealth, a result
3. Society does not “alert” and quickly seduced by the lure of “interest” or for very high yields
4. Weak laws on investment and fundraising, outside of which is set up now
5. Weak regulation and supervision beyond that already exist, because the regulator overseeing its scope of work as stated in the law, outside of it goes into the realm of common law (criminal fraud)
6. And many other PR

So, as long as those things above are not solved, then get ready every year there will be a new fraud schemes and different modes. So … as said Bang Napi …. Beware.

Longevity Although smoking? That only 1 in 100 people

Many smokers are cool, staying true to ngebul activity despite knowing the danger that threaten health. Even some smokers claim many smokers longevity.

“People still smoke can still be found if longevity, yes true but all that 1 in 100. On average, patients who come in and it turns out I had cancer must not be separated from the smoky environment. Otherwise it active so passive smokers,” said Dr. Judge Sorimuda Pohan, SpOG.

Obstetricians also explained that the inclusion of cigarette smoke can cause cervical cancer. Circulating smoke enter the body through the nose and lungs, and into the capillary blood vessels. Further reaction of these substances is spread through the blood to the cervix.

“One of my patients came in and finally caught cervical cancer. Tdak length I immediately asked who poisoned mothers every day. Mother was confused, so I asked if her partner smokes or she lived in smoky environments, usually his son would reply blame him, “said the doctor with glasses.

Current control efforts against smoking in public places increasingly emboldened. This was done in an effort to protect public health.

“50 Percent of smokers will die from smoking, that means 1:2 chance of his life, let alone a long-term smoking. While deaths from russian roulette, in which the filled pistol bullets and have a 1:6 chance played live. Which is more dangerous?” Dr. Hakim said.

Because of the Cigarette, It Changed As Grandpa Voice Robot

Vocal cords is one of the vital tools in our body. Can you imagine what if we live without vocal chords? This is what affects laryngeal cancer patients who have upper respiratory amputated. This will result in the loss Amputation vocal cords.

“This is not a respiratory or acute respiratory infection, this cancer!” Exclaimed Dr. Hakim Sorimuda Pohan, SpOG.

Obstetrician who is active in the organization as the instigators of Tobacco Control Support Center (TCSC) said that active and passive smoking victims sooner or later be affected by cancer.

“One of the immediate effects of smoking are cancers of the upper respiratory tract. Channel breath it should be discarded. Finally air through the stomach and out through osofagus. Following surgery they were sent to Japan to teach in order to talk to the stomach. Every Wednesday at RSCM training, it is efforts so that they are not desperate, “said Dr. Hakim.

Several former laryngeal cancer patients who attended the event on average 50 years old and all boys. Among them look like grandfathers healthy in general, but there is one characteristic that they are a means of her neck.

They were seen using a shirt plus underwear as ‘turtle neck’ to cover the instrument. Others just use the outer cover which is provided from the tool.

Tools such small speakers mounted on the neck, under the chin rather patient, and this is a great tool to talk. With the help of this tool patients can speak again as having the vocal cords, but his voice will sound like a robot and often emits airflow.

The event was also attended by a breast cancer survivor who also had cancer from smoking. He was revealed to have been a victim of cigarettes since young.

“I smoked from age 17 to 59 years, can you imagine? Until in 2007 when I smoke cigarettes I feel incredible sensual flowing through the veins to the left side of my chest. In my heart I said ‘got ya!’. Finally I decided to see a doctor and it’s true I had breast cancer, “said Lakshmi Notokusumo, a dancer who is also the director and writer of poetry in Cancer Information & Support Centre (CISC).

CISC is one institution that was founded in 2003 to provide support for cancer survivors to be able to recover both physically and mentally. Here’s 65-year capital works.

Well, obviously smoking is no longer to be tolerated, but smokers are also not a criminal. Smokers actually just victims or patients who need to be healed.

At Menopause, More Women Should Beware of Diabetes

Everyone should keep their blood sugar levels at a safe level to avoid diabetes. But, you have to be increasingly vigilant when entering the menopause, apparently because shifting hormones affect blood sugar levels.

Levels of the hormones estrogen and progesterone are experiencing a shift when a woman experiences menopause, can affect the sensitivity of cells to insulin. So that menopause symptoms can worsen blood sugar and make it less predictable.

A woman’s ovaries produce three different types of estrogen every month along with the menstrual cycle. When you are menstruating, levels of estrogen produced by the ovaries begins to decline.

Estrogens have a protective effect on the function of pancreatic cells and prevent premature cell death. Meanwhile, the pancreatic cells may also serve to increase production of insulin when required by certain conditions, such as diabetes.

The decrease of estrogen appears to cause pancreatic cells become resistant to insulin, thus worsening blood glucose levels circulating in the body. Insulin resistance causes no trouble cells absorb glucose from the bloodstream so that blood glucose levels are higher.

This can lead to diabetes complications over time. If you are taking medication to control blood sugar, either orally or by injection, take it regularly. It is important to monitor blood sugar levels to remain consistent during menopause.

Therefore, you have to be more vigilant with respect to lifestyle behaviors that support healthy blood sugar levels, such as exercise, stress management and healthy eating picky. Blood sugar can be maintained either through a healthy diet and consistent exercise every day.

Breast Cancer Patients Eat Yogurt, Cheese or Ice Cream Dying Fast

Once convicted of cancer, one must be smart to choose a lifestyle and food to be consumed. Because some certain foods may increase the risk of severity of illness or even death. Just as that found a new study from the U.S..

This study reveals that women who develop breast cancer are advised to stay away from high-fat dairy products such as cheese, yogurt, butter and ice cream various flavors because these foods increase the risk of the patient’s death.

Having studied 1893 women with breast cancer, it is known that patients who on average consume at least one serving of high-fat dairy products per day 49 percent higher risk of dying from the disease compared to diidapnya that breast cancer patients who only consume little or no dairy products once.

“The increased risk of death is still relatively ‘low’. But because there is so difficult to reduce the consumption of high-fat dairy products, I guess if you had breast cancer then the effort is certainly not in vain,” said research team leader of Emperor Permanente Candyce Kroenke .

According to researchers, the total intake of dairy products does not affect the condition of a woman who had been diagnosed with invasive breast cancer stage 1, 2 or 3A. But if it is consumed dairy products high in fat such as milk and products derived from pure milk such as cheese and ice cream the difference will be evident.

Not only that, breast cancer patients who ate one serving of high-fat dairy products or more in a day are also more at risk of dying from the disease by 64 percent. Moreover, high-fat diet has long been associated with cardiovascular disease.

From there, researchers suspect the problem may lie in the estrogen contained in the milk. This hormone has long been known to cause several types of breast cancer. Moreover, when compared with the consumption of unsaturated fats, apparently in the presence of estrogen in high-fat dairy products, the risk of death in breast cancer patients appear higher.

Children who are Always Avoided from Vulnerable Fear Anxiety Disorder

Naturally, for parents to protect their children from the fear of such a thing as darkness, thunder, or a stranger. But prevent children from frightening situations can make a child is likely to have an anxiety disorder later in life.

According to new findings from the Mayo Clinic published in March in the journal Behavior Therapy, researchers confirmed that children who have always avoided the situation scary thought, would be more likely to develop anxiety disorders.

The study was done by measuring the level of anxiety about the more than 800 children aged 7 to 18 years. Researchers also conducted a survey of parents and their children if the child develops avoidance behaviors.

Most of the children answer the questions investigators with a statement like, “I avoid the things that make me scared” and “I ask parents and people around me to keep me from the scary stuff”.

Researchers conducted follow-up assessments back about a year later and found that children who always avoid the things that frightened him more likely to have a clinical anxiety disorders.

“Long-term behavior may be able to avoid dangerous because it makes the kids can not learn that the situation may not be as bad as they think,” says Stephen Whiteside, a child psychologist at the Mayo Clinic, who led the study, as reported by the Global and Mail, Saturday ( 16.03.2013).

It can make children unable to learn to handle challenging situations and make him feel anxious. Despite the fear, anxiety, and shame are normal, anxiety can be a nuisance in performing normal daily activities.

Whiteside estimates that only 30 percent of children with anxiety are getting help. A recent survey conducted by the Toronto District School Board showed that adolescents with anxiety disorders, are more worried about the future.

More than half said that such concerns cause him trouble sleeping and almost one in three survey participants said the feeling of wanting to cry. Whiteside noted that such children need cognitive behavioral therapy, which focuses on the reduction in avoidance behavior, which is an effective intervention for anxiety.

This therapy works by exposing kids to things that frightened and gradually help to face his fears. If a child is afraid of dogs, for example, the therapist might bring dogs into therapy sessions and slowly encourage children to spend time with her.

In the Mayo Clinic study later, 25 children with anxiety disorders were asked to follow 7 sessions of cognitive behavioral therapy for 7 to 9 weeks. At the end of the study period, a score of their aversion to things that scare him dropped by half.