– When “Natural” Skin Care Products Can Be Bad For You

Just like many other consumers, you probably prefer and natural skin care products because you’re concerned that many synthetic chemicals in creams and lotions can harm your skin or affect your overall health. But did you know that sometimes even so-called natural skin care products can have a negative effect?

Why Your “Natural” Face Cream or Lotion Can Be Bad for You

This has happened time and again to many people: they buy a beauty skin care product that’s supposed to be formulated especially for sensitive skin, yet find themselves breaking out in rashes or suffering from skin redness after applying it.

Why does that happen, when the eye cream or lotion contains natural ingredients that are supposed to heal — not harm — your skin? Here are two of the reasons why:

Reason #1: It could be that you are allergic to some natural substances. Take tea tree oil, for instance. There’s no doubt that it has numerous benefits for your skin: it helps wounds heal faster and is used in many acne treatment products. However, it can also cause redness and irritation in people with sensitive skin.

Reason #2: The healthy skin benefits of a natural ingredient seem to be cancelled out by other ingredients in the product. For example, there’s one very popular skin firming moisturizer you can find in most beauty stores today. It contains seaweed extract, a natural substance which has been proven to rejuvenate skin. BUT at the same time, the product also contains aluminum starch octenylsuccinate, a kind of aluminum salt. This substance has been approved for use in cosmetics, subject to some limitations. However, there also is concern about its neurotoxic effect on humans.

How to Find You Can Use Safely

First, look for an anti-aging or skin care product containing natural ingredients that pose the least risk of causing side effects. One such natural ingredient is jojoba oil. Because its chemical composition is very similar to our skin’s natural oils, it can be used safely for all skin types without fear of having an allergic reaction.

Second, make sure the product contains sufficient concentrations of those beneficial ingredients. Many beauty companies deceive consumers in this manner; they do include natural substances in their products, but in amounts that are simply too small to provide any real benefit.

Third, learn which ingredients to avoid in a skin care or beauty product. For your own protection, know why you should not use a face cream or body lotion that contains substances such as perfume or mineral oil. By arming yourself with this knowledge, you are better able to find you won’t have qualms using and recommending to others.

A Online Marketing Strategy Formula For New and Expert Network Marketers 101

Online Marketing Strategy With A Powerful Formula

The online marketing world can be very competitive at times when it comes to creating an audience.In the beginning all of us have struggled at some point to find the right online marketing strategies who were looking to build a business online. Everything we need to learn & implement is broken up into pieces then scattered for us to run wild to find. Hopefully this will put an end to your run around marathon, here are some key points we will be touching:

  • What type of online marketing strategy you should use?
  • What strategies you should focus on?
  • Common Short-term, mid-term, long-term strategies
  • Advantages/disadvantages of short-term, mid-term, long-term strategies
  • Online strategy formula & how to use it

After reading over these key questions & points, their will be a solid blueprint for you to follow and grow any network marketing company. The true benefit will come by implementing what you read within this article. Now it’s time to jump to fun parts of this content.

What Online Marketing Strategy Should You Use

This is a very common question that is asked from most beginning online marketers who are looking to grow network marketing company online. In fact it’s never a surprise to many of the network marketing guru’s who have managed to build a successful business online & offline. It becomes an applause for the beginners who come online to market because we have a large-scale of Network Marketers who try to build their opportunity only offline with minimum amount of exposure.

Little do Network Marketers know it takes a proper marketing formula and/or system to create unique branding for themselves and network marketing opportunity. This formula and/or system that is used for branding purposes is called attraction marketing. attraction marketing is used very commonly among the Network Marketing Guru’s. So here’s what every Network Marketer need to look for within their online marketing strategy… the proper attraction marketing system.A very good formula to memorize is this “attraction marketing+network marketing=perpetual marketing“, But also understand that with this one formula comes with a plug-in of online/offline marketing strategies.

What Marketing Strategies Should You Focus On

To help you have a better conception of what is being explained to you, I will explain to the percentage of concentration for your market in regards to attraction marketing. Most commonly a large amount of 10% of 20% percent is missing within large amounts of the Network Marketers establishment. And this is because that they have not yet learned the proper 80/20 rule of network marketing.

Your Online marketing strategy should consist of 10%, while the other half of the 20% will consist of offline marketing strategies. The large factor of 80% percent is made up of making solid strong connections most of the time from both online/offline. For most Network Marketers who follow the 80% of the rule find themselves making connections more online(70%) than offline(30%).

Remember to never eliminate offline attraction marketing from your strategy, If it’s just passing out a card or attending marketing meet-up in your local area then so be it. The best type of cards to use are both drop/sizzle cards for offline attraction.This will allow you to be visible offline also.

Common Types Of Online Strategies

There is a variety of online marketing strategies that can be used to grow your business. Within the mist of paths to take within the online world.. is usually a point that we most commonly become stuck with. Most Marketers can never make up their mind with what type of online marketing strategy they want to spend the most time with. But here’s a keynote for you: “learn the basics of all of mass majority of online marketing strategies“.

By learning the basic ropes of each strategy, you will have an idea of what marketing strategies interest you. For example outsource information for each online marketing strategy from online search engines,blogs,forums,social media sites etc.. before making any type of investment for the strategy. Now to keep you in the loop, I want to provide you with the most up to date attraction marketing strategies used online. Within this enlistment you will know of the short-term, mid & long-term attraction marketing strategies:

Short-term

  • P.P.C. ( Pay Per Click )
  • P.P.V. ( Pay Per View )
  • Solo Ads
  • Voice Broadcasting
  • Any type of paid advertising

The advantages of short-term attraction:

  • When creating a starting point, it is one of the quickest way to obtain very fast results for your business.
  • Minimum amount of time invested when creating short-term attraction

The disadvantages of mid & long-term attraction:

  • Can be very expensive to produce results if not done correctly
  • Cannot stick to one way of advertising content and/or information
  • Advertising only attracts & sticks to audience for a brief amount of time

Mid & Long-term

  • Article Marketing
  • Video Marketing
  • (S.E.O) Search Engine Optimization
  • Email Marketing
  • Blogging

Advantages of mid & long-term attraction:

  • When content is structured correctly, You can position work for a consistent rewarding with less effort
  • Content always sticks
  • If structured properly, You can target a consistent audience without spending a large amounts of time

Disadvantages of mid & long-term attraction:

  • Have to spend a large amount of time structuring content
  • If not done correctly, You can just be wasting time and not even know it
  • You must invest into proper tools to optimize your content to make it stick

The Attraction Marketing Picture

Overall, you want to be use an attraction marketing formula that will help you mark a blueprint to success. If you can learn all of them that’s great, but try to learn one of each when starting out. For example you may want to start of with an interest to master Pay Per Click for short-term, video marketing for mid-term & search engine optimization for long-term. For recommendation purposes.. take full training on search engine optimization, This will eliminate the majority of your headaches.

Remember the whole purpose behind the appliance of this formula provided, When applying this formula you will position yourself to become an expert when it comes to building a business online & offline.Another reason is also to attract people towards your primary opportunity just from branding leadership & marketing skills.

Good luck to you and your business, the very best should come to those who strive for greatness in their online marketing business.

David C. Simmons

Condo, Coop and HOA Master Insurance Premium

I’m sure that a lot of condo/coop & HOA board members have the following question: how come on my Automobile & HO-6 Insurance policies I pay the premiums directly to the insurance carrier, and I have the option of monthly installments, whereas on the condo/coop or HOA master insurance policy I have to pay the premiums to my agent or broker, and the premium has to be paid in full upon binding of the policy and if I can’t afford to pay it in full then we have to get premium financing? That’s a very good question, and it all comes down to 2 main ways that insurance premiums are being charged:

  1. Direct Bill
  2. Agency Bill

Direct Bill

Most personal lines insurance policies, including personal automobile insurance, homeowners insurance, renter’s insurance and personal umbrella insurance are direct bill. This means that the insurance carrier is billing the policy holder directly. Most personal lines insurance policies come with the option of quarterly or monthly installments, you’ll have to pay a down payment (usually 20%) upon binding, and the rest will be split up to quarterly or monthly installments. In most cases you’ll be charged a small fee for every installment anywhere from $1 to $6 depending if you set up automatic withdrawals from your bank account. Once the policy is in effect, the agent or broker has nothing to do with the billing of your insurance policy (of course he’ll get a notice of cancellation if you don’t pay your premium and call you up to make sure that you’ll make a payment so your policy shouldn’t cancel). This is why on all your personal insurance policies you pay the insurance company directly and you have the options of installments.

Agency Bill

But when it comes to your condo/coop or HOA’s master insurance policy it’s a whole different story. Most condo/coop or HOA policies are agency billed, this means that the insurance carrier is billing the insurance broker the full policy premium, and the broker has to bill the condo/coop or HOA association. The broker usually has 30 to 90 days to pay the full premium to the insurance carrier. This is the reason why you pay the insurance premiums to the insurance agent or broker and why it has to be paid in full. But what if your condo/coop or HOA association can’t afford to pay the whole premium at once?

Premium Financing

Most condo/coop or HOA associations don’t have extra money lying around, so when your policy premium is more than $20,000 it’s kind of hard to pay the full amount up front, that’s when premium financing comes in to play. Your insurance broker should help you out with the premium financing; there are a lot of good financing companies out there. The interest rates are usually between 6 & 10%. They will only finance about 80% of the premium, which means that you’ll have to pay about 20% upon closing. How does the whole financing process work? The financing company sends a check of the full premium (minus your 20% down payment) to the insurance broker. Then the insurance broker sends to the insurance company the down payment that he got from the condo/coop or HOA and the check that he got from the financing company (minus his commissions). Then the financing company is going to bill you monthly or quarterly with a 6 to 10% interest rate. The following is something that unfortunately happens quite often: The insured made sure to have the policy paid up in full, whether by paying the full amount or by getting premium financing, and after a few weeks they get a notice of cancellation in the mail. What happened here? Very simple, your broker received the full amount, now he has up to 60 days to pay the company, and very often brokers neglect or on purposely delay paying the insurance company right away. This is wrong and illegal and you should stay away from such insurance brokers.

Mobile Massage Therapy – Massage Reduces Stress, Relaxes and Boosts Immunity

The accumulation of everyday stress

Working long hours at the computer can result in stress, muscle tension, injury or pain which can drain you physically, mentally or emotionally. This can impact negatively on your social life as well as on your work. As the most important benefit of massage is the reduction of stress, general health can be improved and maintained by massage therapy and the negative effects of stress can be alleviated or prevented. On an ongoing basis it can reduce pain, prevent injuries and maintain health. It is an important part of staying healthy physically and mentally as it relieves stress which is responsible for 90% of illness and pain.

Due to reflex effects through the autonomic nervous system, massage affects internal organs and areas removed from the area being treated. It promotes relaxation, reduces pain, boosts mood and mental clarity. Massage can be used for relaxation or stimulation and may be applied to rehabilitation after surgery, injury or poor health. It improves blood and lymph circulation, increases natural killer cells and lymphocytes which destroy cancer cells, boosts mood by increasing serotonin and dopamine and relieves pain by increasing pain killing endorphins. Massage can relax the body, decrease blood pressure and heart rate and reduce stress and depression. It may also provide symptomatic relief for acute and chronic conditions such as headache, facial pain, carpal tunnel syndrome and arthritis. It realigns and rejuvenates, restoring balance to body and being, so you can take in your stride whatever life throws your way. It promotes digestion, joint mobility, muscle relaxation, relief of spasms and cramps.

Bodywork as a medical treatment

Massage therapy is becoming increasingly sophisticated and effective as it moves into new areas such as medical massage which is the fastest growing modality of massage today. Training in massage therapy was an integral part of medical massage and nursing care up to the mid 1950s when it dropped to almost nothing due to the rapid development and almost exclusive use of technology in the twentieth century. Manual therapy was no longer seen as necessary for standard hospital care. Today, however, it is realized that massage in the hospital is necessary to provide a sense of wholeness and care which is absent in the increasing fragmentation of hospitalization due to the growing emphasis on specialization. Medical massage uses the traditional strokes of massage which are then specifically adapted to treat, for instance, cancer patients, hospital patients and pregnant women. Medical massage may be given in the hospital setting, an outpatient clinic or as a mobile therapy where the therapist travels to the patient’s home to give the patient a personally tailored treatment protocol.

In massage therapy for the cancer patient, the therapist pays close attention to the side effects of the curative medical treatment to devise an appropriate protocol. Here the therapy is designed around the particular side effects the patient is experiencing such as pain, lymph-oedema, scarring, nausea, stress, tension, insomnia, fatigue, anger, depression and anxiety.

Thus cancer massage is a uniquely designed therapy which complements the curative medical treatments such as surgery, chemotherapy and radiation. Hence, it requires more extensive knowledge of medical procedures, pathology and side effects than ordinary therapy. Failure to understand this will result in harm to the patient as the therapist will not be able to adapt the therapy to design a competent treatment protocol.

In pregnancy massage the therapist must take into account mainly musculoskeletal issues caused by the weight of the growing uterus altering the centre of gravity of the woman’s body. Treatment in this case will focus especially on upper and lower back pain, sacroiliac dysfunction as well as pubic symphysis and lower abdominal pain. The therapist must also be alert to and able to detect acute medical problems such as deep vein thrombosis and preeclampsia which are both potentially fatal if not medically treated.

Bodywork has a broad therapeutic application

The greatest benefit of massage is the reduction of stress and tension. Since a wide range of physical and psychological conditions stem from stress, massage can help alleviate these conditions and therefore has a broad therapeutic application. The most prominent benefit and use of massage is the alleviation of stress which then relieves muscular tension, promotes relaxation and treats lower back, neck and shoulder pain, pregnancy, bedsores, severe burns, iliotibial band syndrome and spinal cord injury as well as ameliorating systemic conditions such as cystic fibrosis, attention deficit disorder (ADD), fibromyalgia, asthma, autism, diabetes, bulimia, eczema, HIV, lymphoedema, juvenile rheumatoid arthritis, premenstrual syndrome (PMS).

Sleep disorders, cancer-related fatigue, diabetes, high blood pressure, spinal cord injury, low back pain, lowered immunity, post-operative surgery, infertility, autism, eating disorders, age-related disorders and smoking cessation can all be treated by massage.

Bodywork, such as shiatsu and massage, offers a drug-free, non-invasive and person centred approach based on the body’s natural ability to heal itself.

Bodywork in Pregnancy

The great physical, mental and emotional changes of pregnancy affect your lifestyle, your job and your relationships with friends and family. Massage helps you integrate these changes successfully. Massage therapy during pregnancy improves overall health, decreases stress and relieves muscles aches and pains. It addresses the many discomforts associated with the skeletal, muscular and circulation changes brought on by hormone shifts during pregnancy.

Massage alleviates low back, hip and leg pain, oedema, nausea, heartburn and constipation. Regular massage decreases anxiety and lowers stress hormones during pregnancy. Labour is shorter and easier while babies are healthier. There are fewer obstetric and postnatal complications, such as premature birth and low birth weight.

Bodywork for Cancer Patients

Massage for cancer patients is a safe, non-pharmacological treatment without any side effects. It helps reduce anxiety, fatigue, depression, stress, tension, anger, insomnia and improve self-image and quality of life. Massage may reduce pain, muscle tension, nausea, constipation, lymphoedema and scarring.

Massage as a supportive care intervention for children with cancer helps reduce pain, anxiety, depression, constipation and high blood pressure. Massage also strengthens the function of the immune system and reduces nausea and depression during periods of immune suppression following chemotherapy.