Luxury Hotels Vs Budget Hotels

A hotel is defined as "an establishment that provides paid accommodation on a short-term basis." (See 1.)

In the early years of the hotel, accommodations were very basic, usually a room that has a bed, a cupboard, a small table and a washstand. These days, most rooms are equipped with modern facilities. In addition to bathrooms, there is air conditioning, a telephone, television, Wi-Fi (internet connectivity), and a mini-bar with snacks and drinks.

Hotel accommodations throughout the years have changed dramatically. There are several different types of hotels to suit almost every individual's tastes, needs and most importantly, budget. The two main types of hotels are luxury hotels and budget hotels. Although both have similar basic amenities, these two types of hotels have significant differences:

Budget Hotels

As the name suggests, these hotels were established for people who have a small budget and therefore want to spend as little as possible. The rooms in these hotels usually have the basic facilities such as a bed and washing facilities and most of them have communal toilets. Most budget hotels are older. They are clean but not as fancy as luxury hotels. Some of these budget hotels are equipped with worn fixtures and they do not offer anything free except maybe a simple breakfast or newspaper which is sometimes included in the price that they charge.

Rates for budget hotels vary greatly depending on the location. In Los Angeles alone, budget hotels can charge anywhere from $ 45 to $ 119 per day.

Luxury Hotels

Luxury Hotels are for people who are used to lavish lifestyles. The employees at these hotels are specially trained to cater to everything that the guests need. They aim to provide their guests with all the luxuries they desire during their stay. These hotels were built in such a way that their guests' stay is absolutely as stress free as possible. In addition to basic amenities in luxurious rooms, these hotels are usually equipped with spas that offer massages, gyms that have the latest exercise equipment, beauty centers that offer a wide range of beauty treatments, swimming pools, in house bars and restaurants and laundry service .

These services of course come with a much higher price compared to budget hotels. Other services that you can have in luxury hotels are free room service, free newspapers and even better channel selections on your television. You even get to use robes and slippers while staying in these hotels.

As with budget hotels, rates for luxury hotels vary greatly depending on the location. Luxury Hotels in London charge anywhere from 240 to 525 pound sterling per day.

There is truth in the saying "You get what you pay for." So, for people who have the money to splurge on expensive hotel accommodations, staying in a luxury hotel would be best if they would like to have the best service that money can buy. But for people who have a limited budget but need a place to stay while they are away from home, they are better off staying at budget hotels.

For travellers who wish to get reservations way ahead of time, in the hotel of their choice, they can go online and check out the websites of different hotels all over the world.

1. http://en.wikipedia.org/wiki/Hotel

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Three Reasons Why Money Was The Worst Invention Of All Time

Who invented money? Ask any number of people and they couldn't tell you who it was that actually invented money or where the idea came from. History has given us some bad ideas, but money has to be the worst and here are my top three reasons why.

  1. Something Invented By Man Should Not Have Power Over Him. If I think really hard and try to imagine a time without money, before it was invented and used on a daily basis, I tend to imagine that the world was a completely different place. People most likely had a barter type society where goods and services were exchanged and that is how one survived. If I had a particular skill, say hunting, and you were hungry you could come to me for food. The idea would be that if you could make fire, and I could provide the food, then we could exchange our skills or abilities and everyone got what was good for them. I assume, for the sake of argument, that if someone possessed absolutely no skills whatsoever, that person was still allowed to eat. I can't imagine that I would loan the helpless soul some meat, only if it could be paid back somehow. Before helpless soul could blink, he might owe me for five dinners and then I have to send out the collection agents to call in his debts. Money provides control, in both a positive and negative control. Although it is man made, and essentially just a piece of paper or a mixture of cheap metals, money has power, and is power. I can just imagine Mr. Helpless Soul explaining to his wife that he can't repay the hunter and does not know what to do. So Mr. Hunter decides to enslave the Helpless Soul family until the debt is repaid. It is unfathomable to me that so many people in my country, and the world go hungry every day. Those who possess the money have the power to deny the needs of those that don't have means. Where have the humanitarians gone? I've seen a business owner kick out a person who was homeless and starving, and then half an hour later deal with a complaining customer as he shouted that his food was not hot enough. Money only has the power that we give it. If we choose to see it as just a means to an end, or just some silly paper we have been told to obey our whole lives, then one can focus on what really matters. I am not advocating not paying debts, or shucking responsibilities. This is the world we live in, and norms must be followed … until the laws change again to suit what the politicians want on any particular whim of a day.
  2. Money Shifts Focus From Helping One Another To Arbitrary "Worth" Of Mere Things. Why should I do anything to help anyone else, unless they can pay for it? If my entire focus in life is to obtain material things, then I should only be motivated by money, or obtaining it, to do anything. What is anything really worth? Marketing companies have defined worth for me since I was a child, and it was beaten into me during commercial breaks of GI Joe. What is the value of all of the things you want in comparison to something that really matters? Imagine what the worth is of spending one more hour with a loved one before they pass away and are gone forever. The worth of teaching your children that there is more to life than money and obtaining things. The worth of feeding a homeless man, and helping him have at least one night's sleep where his stomach doesn't keep him awake. The value of reaching out a hand and helping someone else in this world is worth more than the largest diamond, the heaviest gold, and the purest oil. Now, I am the biggest hypocrite on this topic, because I love things! It has been programmed in me for so long, it is hard to shake the desire to obtain things. Imagine a life in which people helped each other because it is the right thing to do, and not just for what they could get in return. The argument is, well, that things can't just be free. You have to pay something to get something. How would the world work if everyone was just giving away everything for free and everyone just had everything they needed and did not have to be slave to credit card companies anymore or to a job that they dislike? How would we survive? My answer to those questions is, famously! I would be free to learn a trade that benefits others and could use that ability to provide for my family and to help others. I have wanted to help by donating or giving my entire life, but never had the means. I've donated a little time here and there, and not near as much as I should or would have liked to, but at least it was something. But because I like things, and those things have cost me money, I have to continue in my job, and repeat the same cycle my father did.
  3. Money Makes You Question If People Really Care About You, Or Just Your Money. I try to envision the end of my life surrounded by those that have made my journey with me, who love and care for me because of the enrichment I gave to them through my friendship and dedication. In my last years, enjoying my days with my wife, and talking to my grown children and my grand children. I want to soak up every single minute of my life between here and there. I want to feel and love and enjoy all that there is to offer. I have seen families destroyed, fighting over the money left behind after a loved one passes. Some of those grudges are held for the rest of their lives. They lose a relationship and also a loved one, and the only thing they can think about, is how much money they will be getting. More than likely, Mr. Entitlement as we will call him, won't even miss the loved one that was lost. How many brilliant individuals never get the chance to succeed because of lack of means, and how many elite are given free passes because their pile of paper is bigger than yours. Do the people closest to you care about you or your money? Does the girlfriend only love you because of what you can buy her? Do your children only listen to you in order to get something they want? Take the money away, and would they abandon you? Such a great idea, this money.

My answer to all of this is that I don't have an answer. My two year old daughter asked me about money and loves putting money in her piggy bank. It made me start to consider all the reasons I worry about money, and fight about money, and read books about money. Nothing like the honesty of a child, to make you sit and think.

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Eye Vision Nutrition – How It Can Help Clear Blurry Vision

Recently, there has been a lot of discussion about reversing blurry vision naturally. Can regaining 20/20 vision back with natural eye exercises and eye vision nutrition really be achieved?

New studies are now confirming a connection between what you eat in relation to how your eyes perform.

Increasing your physical activity and maintaining a well-balanced diet will indeed improve the quality of your life and help preserve and improve your eye sight.

Keep in mind, anything you do that affects your cardiovascular system has the potential to damage or repair your eyesight. This includes exercises and eye vision nutrition. Any change in blood supply to the eyes can cause blockage, resulting in blurry or loss of vision. Improper diet and lack of exercise has been the catalyst for many with Type 2 diabetes which can then lead to diabetic retinopathy and eyesight loss.

A balanced diet containing the 3 major sources of fuels are proteins, fats and carbohydrates. These are necessary to keep our bodies, minds and eyes healthy and strong. Omega 3 fatty acids in fish, low fat proteins in chicken and legumes, whole grains and plenty of fresh fruits and vegetables are necessary for optimal vision.

Proper eye vision nutrition requires adequate amount of micronutrients, 50-60% complex carbohydrates, 20-25% proteins, and 20-25% fats ideally containing omega-3 fatty acids.

To help improve bad vision, follow the diet recommendations below and incorporate simple eye exercises into your lifestyle. Also, consider taking vitamin supplements to assure that you are receiving good amounts of micronutrients that are important to maintaining eye health.

Bad Eye Vision Nutrition

Saturated Fat

Fatty Meats and Whole Dairy Products

Fast Foods which are high in trans-fatty acids

Snack Foods which are high in saturated fats

Soft Drinks diet or otherwise

Candy

High Amounts of refined Sugar

Good Eye Vision Nutrition

Plenty of Fruits And Vegetables – Organic is preferred

8 Large Glasses of Water Daily

Vitamin Supplements A, B, C and D

Lutein, Beta-Carotene, Bilberry Extract

Fruits and Vegetables

Fish and Nuts

The above eye vision nutrition recommendations are not the be-all and end-all of achieving 20/20 vision. If you're looking for more effective nutrition tips and exercises to improve your eye sight naturally, your local library and online resources are widely available. A very popular book which explains how to increase eye vision was created by the famous Dr. William Bates in the early 1900's and is still circulation today.

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DMAE Nutrition

Dimethylamino Ethanol (DMAE), a natural amino alcohol found, in small amounts, in the brain, is considered a precursor of choline necessary for the brain to make acetylcholine.

Acetylcholine is a neurotransmitter in healthy nerve signal conduction and function. As a supplement, DMAE works with gingko biloba and other "smart nutrients".

DMAE is found in fish, salmon, and especially sardines. The human brain maintains a small amount of DMAE, which plays various crucial functions. DMAE protects the integrity of cell membranes, the deterioration of which can lead to premature aging.

DMAE comes in the form of creams, capsules, and liquid tablets.

More DMAE facts

DMAE is a mood elevator, counteracting depression and bad moods, and raising and improving cognitive functions like memory and concentration.

It may also treat autism, Alzheimer's, ADHD, memory deficits, depression, and dementia. DMAE can even increase intelligence. These benefits result from DMAE's role in manufacturing acetylcholine, a substance responsible for healthy mental functioning.

Physicians monitoring patients on DMAE have reported them to be more upbeat and exhibiting greater mental acuity. Those who regularly take DMAE have reported both sleeping more soundly and being more energetic when awake.

One DMAE benefits most promising benefits is that, by stopping the manufacture of arachidonic acid, which can lead to wrinkles and aging of the skin, DMAE promotes healthy skin. DMAE used to stop arachidonic acid production can be either taken internally as a nutritional supplement, or applied as a topical cream

DMAE: What to Watch Out For

While DMAE has no known toxicity, and is considered a very safe supplement, there is no RDA (Recommended Daily Allowance) set for it. There are, however, some cautions for people with certain conditions.

Those with epilepsy or seizure disorders, bipolar depression, or Parkinson's disease and pregnant or nursing women should not use DMAE without their doctors' approval.

The rare side effects of DMAE include gastro-intestinal problems, body odor, drowsiness, confusion, high blood pressure, moderate depression, and persistent irritability.

Tips How to Buy A Quality DMAE Supplement

1. Always buy your nutritional supplements from pharmaceutical GMP compliant facilities, which comply with the strictest manufacturing standards. Because nutritional supplements production, in the US, has become largely unregulated, consumers of health products have only a 20% chance of buying products containing contains the actual ingredients stated on their labels, or worse yet, one that is not contaminated with harmful toxins. This is an industry wide issue, and should not be ignored if you want supplements that benefit your health, not impair it! Please read this article here for further information on this issue.

2. Acetylcholine production requires, in addition to DMAE, B Vitamins – Biotin, Folic Acid, and B6 among them. So those consumers desiring the cognitive boost often associated with DMAE nutrient should take these nutrients together as part of a comprehensive synergistic formula.

3. We advise those individuals wanting to use DMAE for its skin enhancing effects to take it with vitamin C, which by preventing the production of arachidonic acid, also helps, your skin and reduce the chances of its prematurely aging.

Because DMAE has acts synergistically with other nutrients, we believe one should look to take DMAE as part of a comprehensive, scientifically balanced formula, rather than as a stand-alone supplement. Doing so will, as the nutrients work together, maximize DMAE's health benefits.

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The Key to Personal Finance

Additional effort in managing one's personal finances will result to a more positive use of personal resources. With attainable, realistic goals, ones financial standing will progress in no time at all. However, for the part of the individual concerned, this calls for proper planning and monitoring. There is also a need to assess at some point to see if the goals set are being met or further intervention is needed to alleviate the financial condition.

Available Income:

  • Regular household cash flow
  • After Budget cash or net flow

Regular household cash flow is what remains after the expected yearly expenses are subtracted from the expected yearly regular income. After budget cash or net flow is simply what one ends up with after subtracting regular household liabilities from the known assets. The part of the regular income that does not go towards normal expenses is a very important resource that can be diverted towards other personal financial goals. A balance sheet should be able to determine the net worth before proceeding to plan further on how to save enough for bigger and more important purchases.

Factors to be considered if 50% net increase is desired:

  • Full liabilities
  • Outstanding debts
  • Investment Instruments
  • Savings yield- savings + interest gained
  • Outstanding student loans

It only goes to say that when liabilities decrease, a person's net worth increases along with it. The number one advice for people with plans to progress financially is to avoid taking juicy bank loans on offer as they are ever-potent dangers to one's credit score specially when the interest pile up. Recovery from debts will be a much needed boost to personal finance. The more payables are settled, the fewer the liabilities are and this carries a positive reflection on one's balance sheet and also his credit standing.

Personal investments make up most of a person's net worth and thus it is a perpetually good move to gain as much valuable assets as a person possibly can in the course of his lifetime. This is not to say that forethought should not be employed here but the contrary. Investing by buying up profitable assets should always be preceded by careful analysis, so that a purchase will actually add vigor to one's portfolio. The general trend is that if you are the risk avoidant type of investor high risk investments are avoided. These are properties which have value that changes with the ebb and flow of time like real estate, precious metals like gold and other physical goods that are known to have volatile values.

The riskier among us, those whose mettle are undeniably more resistant to fear easily trade in stocks and other financial instruments of our time. In this type of assets, the rule goes that the higher the risk, the higher the possible gains. This kind of investments no doubt needs to be studied and studied again due to the very nature of it to avoid excessive losses and to catch gains when and where they are likely to fall.

As savings is an important and integral part of a person's net worth, due research is called for to yield the names of institutions that offer better products or simply better rates for one's hard earned dollars. For example, American soldiers have the option and the privilege to take advantage of the DOD Savings Deposit program that has very high interest rates at 10%.

Savings accounts and CDs serve you in two ways: firstly by increasing your total net worth and secondly by giving a much needed buffer zone to your personal finance portfolio, as seen by prevailing trends all over. The reason for this is because such instruments are federally insured and grows at a steady, favorable rate every year.

One thing that has perennially damaged net worth are student loans as they can persist a long time after a person has graduated and worked. To counter the negative impact of this, one effective practice is to take advantage of seasonal tax breaks. With American opportunity tax credit alone, an individual can save as much as $ 2,500 and those who are still studying should altogether shun away from private student loans in favor of federally funded loans as these carry a lower, or fixed rates in general.

Most effective ways to maximize cash flow:

  • Highly informed financial decisions
  • Making and adhering to a budget
  • Controlling impulsive buying
  • Putting Cost cutting measures in place

Smart financial choices can sometimes spell the difference between ruin and progress. For instance, there is a choice between buying a house which becomes unaffordable later on as opposed to renting a modest accommodation. If the sale price of the house is proven to be a figure greater than 20, when the actual sale price is divided by the yearly rental, then you would be wiser if you rent. Managing personal finance need not be a daunting task; it only requires patience and practice.

Where you can cut costs:

  • Cut back on unnecessary expenditure
  • Cooking instead of dining out
  • Look into car insurance cost cutters
  • Collecting and using coupons
  • Buying wholesale instead of retail wherever applicable

There is absolutely no shame in using coupons and the benefits are tremendous, it can even get to be a habit. Why pay the full price when a little vigilance in cutting and saving coupons goes a long way? If no printed material is available from where to glean coupons, the internet is always there, the perfect place to search for printable coupons.

Cook at home and cook in batches. Then freeze for later meals. Have the due diligence to look after leftovers and you will probably save a fortune in take-out budget. There is no shame in keeping eatable food and it does wonders to a family or individual's food budget.

Cut down on company offers, like phone packages, cable or internet packages, whatever has hidden charges, zero in on them and ask to get only the basic service, pay only for what you actually need and use. The extra features cost and pile up in the long run.

Carpooling is also one way to save, and if you must absolutely drive, drive safely to avoid charges. These small things all contribute towards managing one's finance in a sane and productive way. And the habits that are changed also stick, so it is best to make sure that you make changes for the better.

How to estimate: Tools in Determining Worth

  • Simple Net worth calculator
  • Retirement calculator- many are downloadable
  • Mortgage rate calculator, again downloadable
  • Spouse or partner income calculator for multiple income households
  • Loan calculator, for free from many sites
  • Currency converter- already in wide use everywhere
  • Home budget calculator- a standard for many housewives
  • FICO score range tool- again available for free online
  • Student loan calculator- for up to date interest rates

These personal finance calculators are absolutely necessary when strategizing and setting up your long and short term goals, tax payments and schedules, mortgage decisions and other financial steps. The closer the estimates are to real figures, the closer you will be to realizing your plans and these depend heavily on calculators.

Personal finance is simply net worth, cash flow, the relevant planning, savings, investment instruments, budget or allocations and cost cutting. If effort is made to understand the concepts in theory and applied wisely, a personal balance sheet and credit score will improve continuously beyond recovery and go well into growth.

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The Best Nutrition Plan for Fat Loss

What's the Best Nutrition Plan for Fat Loss?

As you may or may not know (if you don't know, this article is exactly what you need), the majority of fat loss occurs in the kitchen. You're welcome to run and run and run until you can't run anymore (this post explains why that isn't efficient though), but if you're not eating correctly, you won't see the fat loss results you want to see. Even if you're eating all healthy foods, you STILL might not be seeing the fat loss you want to see. Why is this? It has to do with macronutrients. While eating healthy foods is a good start, at some point, you'll have to move to a more precise diet to really get the level of definition you might want. This article will explain in detail why fat loss occurs and the nutrition plan you should follow to achieve it.

A Quick Overview of Fat

Fat serves many purposes in the body, but the main function of fat is as an energy reserve. Fat is an efficient source of energy because it stores over two times the calories per gram that carbohydrates and protein do (9 cal vs 4 cal, respectively). The average lean adult stores enough fat to sustain life for over two months.

Why Does Fat Loss Occur?

Fat is primarily stored in adipocytes, which can take up or store fat depending on energy levels. Energy levels are determined primarily by food intake. When energy levels are high, fat tends to stay inside the adipocytes. When energy levels are low, such as when fasting or during exercise, insulin levels drop, and epinephrine levels increase. Epinephrine causes the fatty acid to be released from the adipocyte.

The resulting fatty acid then goes through a long journey throughout the body through various processes and cells. If you're interested in learning more about the details of that, check out "The Physiology of Fat Loss" by Dr. Len Kravitz on Google. If you're more interested in how nutrition leads to fat loss, continue reading.

The Fat Loss Nutrition Plan

There is a lot of debate about the right nutrition plan for fat loss. The hard part about it is that it varies from person to person because there are so many variables involved. Your exercise, daily activity level, age, and gender all play a part in how you should structure your fat loss nutrition plan. The most important thing to remember is that no calculator or formula will give you exactly what you need. Your body is unique and every formula will require some tweaking. This is something only you will be able to figure out. Luckily, I'll provide a great place to start right now.

In my personal experience, with clients and with my own body, I've found a lot of success with a macronutrient ratio of 40% Fat: 40% Protein: 20% Carbs. I'll go into a little more detail in a second, but I want to reiterate that this should be used as a starting point. It's likely you'll have to adjust the ratio to find one that works for your body.

When it comes to the 40% Fat, I make sure to incorporate a lot of mono- and saturated fats because these have been found to increase testosterone. I also include polyunsaturated fat. If you're a woman, this is obviously less important for you, so you can stick to leaner meats with less saturated fat. Trans fat should be avoided at all costs.

The 40% protein can be basically any kind of protein your body can tolerate. Whey protein is my preferred option. For some people, Whey concentrate can be harder on the stomach, so Whey isolate should be substituted. If you're trying to avoid dairy, Egg or pea protein is a great option. I would strongly recommend investing in protein powder, as getting 40% of your total calories strictly through food will be a challenge (plus it's expensive!). Protein powder is cheap, effective and makes reaching your protein goals simple.

The 20% carbs are the smallest part of your diet, but the most complicated part to deal with. When it comes to fat loss, keeping your blood sugar stabilized is super important, but having enough energy to get a killer workout and recover is also important. I avoid starchy carbs like sugar (including fruit) unless it's before or immediately after my workout. Starchy carbs spike blood sugar levels, which is helpful for energy and recovery. If you eat a lot of starchy carbs, then do nothing, it's likely your body will store the glucose as fat. Pre-and post- workout I eat starchy carbs, the rest of the day I stick to non-starchy carbs like veggies and other high-fiber foods. A good rule of thumb that I follow is to stick to foods that have a starch: fiber ratio of 3: 1 or less. For example, a serving of broccoli has 6g carbs and 2g of fiber. This is a 3: 1 ratio, which would be acceptable to eat any time during the day.

What To Do If This Ratio Doesn't work?

There's a pretty good chance that this ratio will stop working for you at one point or another. Like I said earlier, a lot of things go into finding the right ratio of macronutrients. If you begin to feel like you don't have enough energy to get a good workout, you may need more carbs. If you don't feel like you're progressing because you aren't recovering quickly enough, you may need more carbs. I wouldn't lower your carb intake any less than 20% as this could lead to hormonal imbalance and a screeching halt in your fat loss.

When it comes to changing your ratio, make small changes. Don't adjust any greater than 5% at a time. For starters, if you increase your carb intake by 5%, lower your fat intake by 5%. Monitor your progress for a couple weeks, if you see success just stick with it. If you still don't see progress, make another small adjustment.

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Does Nutrition Info Listed in Restaurant Menus Matter?

One fast-food chain in the state of Washington recently announced that-for an entire year-it had been posting inside its menus the nutrition facts about its meals. And yet its customers never seemed to blink an eye-hardly anyone changed their eating habits significantly. Are we Americans just not interested in what we're eating?

Researchers at the Tacoma-Pierce County Health Department in Tacoma, Washington, decided to test whether this assumption about restaurant diners was true: are customers neither interested in nor influenced by the nutrition information restaurants list in their menus?
Sit-down vs. Fast-food Restaurants

The researchers at first hypothesized that the consumers in sit-down restaurants were more likely to pay attention to information on the menu about nutrients than were the patrons of fast-food establishments. At a sit-down restaurant, the scientists reasoned, diners are often less hurried, and therefore would be more likely to examine the nutrition specs in the menu.

They further reasoned that, in contrast to this sit-down group, the fast-food people:
are often pressed for time
know what foods they're going to order even before they walk in
aren't expecting to be dining in some nutritional utopia

But no! The study showed that neither of these groups changed their eating habits much in eateries that listed nutrition info in their menus. This was true both for the people eating at sit-down restaurants and for the denizens of fast-food places.

Another explanation?

The researchers now theorize that most of the people who already are eating healthy diets might have been been excluded from their study because these diners:
are by now well aware of which menu options are healthier overall and lowest in calories
typically don't eat in fast-food restaurants

So, do we Americans, on average, already know what's in the foods and beverages we consume? If so, readers, what do you look for in food labels and menus? And what do you consider "deal-breakers" in terms of calories, fat, sodium, and so on?

Making Sense of Menus and Food Labels

Here are some tips for deciphering all the food choices confronting us daily, and for spotting "deal-breakers," whether you're at a greasy squat-and-gobble or a 4-star restaurant.

Calories.

If you're watching your weight, which many of us are doing these days, a range of 300 calories to 600 calories per meal is probably appropriate. If possible, avoid drinking calorie-laden beverages, especially some of those smoothies, which are super sugary.

Carbohydrates.

A range of 30 grams (g) to 45 g of carbohydrate per meal might make sense, but steer clear of any ingredients listed as "simple carbohydrates," which can indicate refined sugar.

Sugars.

These are listed on a food label in the "carbohydrates" section. Even milk and fruits, for example, contain simple sugars (lactose and fructose, respectively). Try to keep in mind that, overall, every 4 g of sugar listed on a label is equivalent to 1 teaspoon, or a packet, of refined sugar. So, next time you're about to order a latte containing 40 grams of sugars, now you'll at least know that that yummy drink contains about 10 packets of sugar -ouch! Around 15 g of sugars or less per meal / snack is the general rule.

Protein.

A normal, healthy adult's recommended daily allowance (RDA) for protein is 50 g per day, but many studies have shown that a lot of Americans eat more protein than they need. Around 20 g of protein per meal is sufficient for most, so eating any more than 50 g in a day means that you're taking in extra calories. And for some people, such as those with kidney issues, more than 50 ga day can be downright harmful.

Fats.

Many Americans typically consume a diet that's too high in fat, particularly the saturated and trans fats that contribute to heart disease. While everyone on the planet needs some fat for the absorption of fat-soluble vitamins and the proper functioning of certain hormones, most people don't need more than 40 g to 50 g of fat per day. Therefore, more than 10-15 g of fat per meal could be a deal-breaker. On a list of ingredients, 5 g of fat is equivalent to 1 teaspoon of fat, or a pat of butter. A snack containing more than 5 g of fat is probably not a wonderful idea.

Sodium.

A teaspoon of salt contains about 2,000 milligrams (mg) of sodium, more than enough for most healthy adults during a day. Of course, many people consume far more than this, but more than 600 mg of sodium per meal is not ideal, and many healthcare professionals recommend less.

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Why Business Equipment Finance Makes Sense

If you are starting a new venture, or you are expanding an existing one, then you might be going through a menacing time to set things up. It is a complex undertaking when you have to spend a lot of money for more equipment, or else the new business won't run. Equipment procurement is an essential part of setting up a business and you don't have much choice but to buy new gears and paraphernalia to get things started.

First, you have to plan for the equipment needed and it is important that you know how to select the products that would address your needs. After you have determined the equipment needed, you have to create a plan on how you should be paying for the equipment. If you don't have money to spend for it, then you probably need a business equipment finance company.

What is this company that would supply financing for your equipment purchase? Basically, this is considered a smart thing to do when you are short of funds to buy equipment. Or even when you have money, you can use the equipment loans to pay for practically any kind of business equipment you require. The amount you can borrow would vary and it would depend on the equipment you are procuring, and the state of the equipment such as if it is new or a used equipment.

You would normally need financing if you need a car loan. If you have already tried a car loan, then you have probably known how the financing system works. The equipment will serve as your collateral to the company that gives business equipment finance. The interest rates are fixed which can be from 8% to 30%, depending on the term. These companies also offer a fixed length for terms, and this gives the borrower ease in repayment through having the same amount of amortization every month.

The length of the loan term would also vary, depending on the nature of the equipment and how long it is expected to be useful. There is varying depreciation of different equipment and this is to be considered before the terms can be determined. Some equipment types are given 36 months or 48 months terms. But some terms provide only 12 months for loan to be repaid.

What type of business equipment can qualify for equipment loans? All sorts of equipment would be viable for this such as: IT equipment and computers, heavy machinery, medical equipment, scientific equipment and commercial vehicles.

Thus, you can get a loan for trucks, prime-movers, tractors, tankers, laptops, desktops, servers, factory automation, robotic assembly devices and many more. The list is long and you have to talk with the company representative to determine if the equipment you need can be financed.

You may get advised on having a lease on your equipment and not a loan. However, with a lease, you are only renting the equipment and it won't be yours after the lease term is done. With a loan, you own the equipment once fully paid.

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Let Us Help You Spring Clean Your Finances!

Since spring has sprung we are taking every opportunity to open our windows and let the fresh air in. Most of us start cleaning out the garage, clean off the outdoor furniture and pack up our old clothes to donate to charity. Why should spring cleaning end with your home? This is the perfect time to tidy up your personal finances as well. Consider these recommendations to "clean" up your finances.

Contribute to your 401 (k). Make sure you contribute enough to your 401 (k) to qualify for maximum matching funds. Your employer is willing to give you this free money so don't leave it on the table.

Open and IRA. If you own your own business or work for a company with no retirement plan, open an IRA. You can get big tax breaks from opening this type of retirement plan. If you don't know which IRA is right for you, you can search "Types of Retirement Plans" at irs.gov.

Rate check your credit cards. The interest rates on your credit cards can have an impact on your balances and have the potential of adding up over time. If your interest rate is increasing your card balances, it's time to shop around to find a lower rate. Other items that are options for rate checks are mortgage loans, auto loans and even your checking and savings accounts. For a real feeling of gratification, pay off the balance that costs you the high interest. If you want to zero our your balance by the end of the year, divide the amount owed by 7 and pay that amount every month. Can't bite off that much every month? Move the balance to another card with an introductory rate and pay it off before the deal runs out. Make sure there are no high transfer fees.

Open a savings account. Follow these three steps when opening your savings account:
1. Set a financial goal and timeline.
2. Decide how much to save each month to help you reach your goal.
3. Setup automatic transfers into your savings plan from your checking account. This way the transfer is done for you and you won't miss the money.

Review your credit report. Make sure your credit reports are free of mistakes. Remember, you are able to order one free credit report every year from each of the three major credit bureaus. You can get one free of charge from annualcreditreport.com.

Organize or discard old financial documents. Sort through all your bank statements, invoices, bills and other financial records and keep those that are only necessary. Be aware you need to keep tax returns, canceled checks, receipts and any supporting paperwork for your taxes for at least six years. Make sure you don't just trash your important documents in the trash without shredding them. You don't want them to be picked up by an identity thief.

Set up automatic bill pay. Spring-cleaning just isn't about de-cluttering. It's about making your financial life more efficient. Set up automatic bill pay and link it to your checking account in an effort to eliminate any chance of missing a payment and paying late fees.

Review your budget. Take a close look at your current budget and decide if you need to make any changes.

Pay off as much debt as possible. Spring is a good time to review your outstanding debts and which loans or credit cards you could pay off. If nothing else, develop a stricter payoff plan. Cleaning up your outstanding debt quickly will put you in a much better financial position for the rest of the year.

Record your financial passwords and store all your records in a secure place. Make sure you're not using the same password for all your financial accounts. Protect yourself against identity theft by protecting your passwords and other financial documents in an online secure vault.

Be a community steward. Try and make a difference in your community. Believe it or not, giving of yourself to others will make you feel a lot wealthier.

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Finances Are Vitally Important

It is a true saying that you cannot get along without money. Finances are vitally important in the lives of everyone living upon the earth. There may be some places where money is not the medium of exchange, but some type of trade must be used to obtain the necessities of life.

People who do not work and earn money or who are not gifted with money must find a way to obtain funds. Most often, people work for the money they get. They are traded dollars for time and expertise. They receive pay for doing a job or some kind of service.

People sometimes beg, borrow, or steal to get what they need or the money necessary to buy the things they feel they require. Beggars on the street are not exempt from the need for money. It is something everyone needs to some degree.

Just as no one will get out of this life without trials, financial hardship may come to most people at some time in their lives. The challenge to secure funds which are not readily available can cause much stress and difficulty. Sometimes it is through no fault of their own that people suffer the consequences of not having enough money.

That is what happened to Japanese Americans during World War II when around 120,000 persons of Japanese heritage in the United States were forcibly removed from their homes on the West Coast. They were placed in what have come to be known as American concentration camps. The hastily constructed barracks and other buildings in these camps were placed in desolate and remote areas of the country. People were taken there and incarcerated, most for the duration of the war.

As soon as the bombing of Pearl Harbor happened by the Imperial Navy of Japan, Americans and immigrants of Japanese descent were immediately looked upon as the enemy. Most of those living in the United States were American citizens. Their lives were immediately thrown into chaos as their bank accounts were frozen and their livelihood was threatened. They faced extreme financial hardship as most of them lost nearly everything they possessed. Their material goods were stripped away, and financial ruin loomed as the likely consequence as they lost their jobs. Life was dark and uncertain.

After spending over three years in the unjust confinement of the camps, these people were released at the war's end. They tried to resume their lives and tried to earn money again. Financial problems were many and extreme. Yet most persevered and eventually came out ahead.

How did they do it? They became successful because they worked hard. Although they still faced racism and discrimination after the war had ended, they did not give up. They faced many adverse financial situations and problems, but they forged ahead with determination. Future generations benefitted from their determination and hard work.

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