Tips To Early Retirement

Retirement. The saying for many folks brings up imagery of lazing about the house, sometimes sometimes performing odd jobs in the yard or in the workshop, drawn out afternoon doing some fishing or going to fascinating new locations; a restful, peaceful lifestyle that is only interrupted by occasional outings to the post office box to receive what is ideally a significant pension paycheck. For other folks however, the chance of retirement life may fill them with a particular level of apprehension or perhaps some circumstances even full-blown panic and anxiety. It does not have to be like that though; you can find very few actions which you could take in order to guarantee the high quality of lifestyle that you will lead after retiring and even a way to give up work at a younger age than you might have actually anticipated.

The critical factor to remember would be that the earlier you strategy for your retirement-and the earlier you put those plans into effect-the higher your chances are are becoming capable to retire early. Naturally the inverse is likewise true, and in reality if you wait long enough on that cranial step you might wind up with very small funds to retire on inside your later years.

One critical factor which will probably inflate havoc on your early retirement plans is debt. It can significantly hinder your monetary growth and can definitely impact how much cash you may have to rely on upon your retirement. If you're enduring high-interest debts including Visa or MasterCard bills, you should take steps to resolve these problems when possible.

The very first factor to consider just before getting into any endeavor is really a plan. You must consider factors including how much your way of life is costing you correct now as well as the type of life which you need to live right after retirement.

Consider not mere the years soon after your retirement but also the period leading up to that. This would be an excellent time to take stock of current cash flow sources and sometimes even explore ventures that give a higher rate of revenue.

A 401k strategy and an IRA can be your finest allies inside your strategy for early retirement. The few tax advantages that these plans provide as well since the odds of compounding your input make them a great choice for prospective early retirees.

Yet another fascinating income stream that not lots of people think of is network marketing. A fantastic network marketing company takes some efforts inside the beginning but inside a couple of years many individuals are able to secure a six- or numerous six-figure residual income. This income is leveraged, in that your income is not dependent on time. This too produces an additional income stream, which with time comes with out you having to work hard for it, much like investment income. Getting involved with network marketing may be a wise plan, especially for individuals that have not yet invested enough to live off their savings interest. In many circumstances this cash flow can surpass the full-time earnings you were using to through your working years, permitting for a quite comfortable retirement.

Source by Donna Clark

Healthy Chocolate Health Tips

Science now confirms chocolate is healthy. Medical doctors are provicing that chocolate is healthy through clinical trials and research. The word is spreading; from radio, to television, to Internet, doctors now confirm that chocolate has numerous health benefits both physically and emotionally. So how do we know which chocolate is really healthy and good for us? Here are some healthy chocolate tips to help you find the chocolate that is right for you.

More and more people today are drawn to eating chocolate for health benefits. With nine out of ten people who love chocolate and one out of two of them eating it every day, this is indeed good news. What do we want to look for in a healthy chocolate? First of all, the more unprocessed cocoa powder a chocolate contains, the more flavanoids (plant based antioxidants) are present.

It is best to look for a chocolate with at least 70% unprocessed cocoa. Secondly, it should be a raw food chocolate. When chocolate is heated above one hundred degrees Fahrenheit the majority of the nutritional properties in the antioxidants are destroyed, leaving it devoid of the precious nutrients thought after in the first place. Seek to find a chocolate that has low-glycemic sweeteners, such as raw sugar cane, as opposed to refined sugar. Low glycemic chocolates are diabetic friendly and do not leave you feeling "crashed", due to high blood sugar spikes associated with refined sugars.

Not all chocolate is created equal. Another important point to consider when choosing a healthy chocolate is the ORAC rating. ORAC stands for oxygen radical absorbance capacity, which is a measure of the antioxidants ability to eradicate disease-causing agents (free radicals). Some chocolate producers have ORAC ratings on their products, guaranteeing the antioxidant effectiveness. A company called Brunswick Labs tests antioxidants on a variety of foods, including chocolate, giving them a certified score. The higher the ORAC score the more antioxidants a food contains, that is healthier for the body.

Not all dark chocolate is healthy for the body. Many people believe that if a chocolate has a high percentage of dark chocolate that it is automatically high in antioxidants. However, most chocolate is dutched (alkalized, to modify flavor and color) and roasted during processing. Dutching and heating destroys the antioxidants and their capacity to eradicate free radicals. It is also common for dark chocolate to be filled with refined sugars, caffeine, waxes, and unhealthy fillers, which are all well known for contributing to adverse health effects.

Chocolate that is considered healthy has certain characteristics. One should consider where the cocoa beans come from. Cocoa beans harvested in more rugged, harsh conditions are more potent and richer in polyphenols (antioxidants). It is also important to know what the growing conditions are and what types of farms the beans are grown on. Cocoa trees that are grown next to other fruit trees often produce milder beans.

A natural, privately controlled setting is best at producing beans without use of pesticides. Another point to consider is fillers and fats. Chocolate rich in healthy fats such as cocoa butter and omega fatty acids are beneficial to the body. Avoid chocolate with milk fats or hydrogenated oils …. bad fats. It is also of great importance to know that Not all chocolate contains caffeine, although caffeine is often associated with chocolate, it is not a naturally occurring ingredient. Caffeine is usually added to commercial chocolates.

Eating the right chocolate on a steady basis can be a great benefit to your health. Knowing the ingredients, processing methods, ORAC ratings, and growing conditions can enhance your choices and experiences with chocolate.

The bottom line; yes you CAN have your chocolate and EAT it too!

Source by Bradley A Smith

Drum Tips For Blues

Blues is a very old American music tradition that dates back in the 19th century. Back then, African plantation workers created songs about their hardships and labors with rhythms coming from their homeland. What came out from these exotic melodies is a musical culture that went global in the next 100 years. Learning how to play the blues is very important. The contemporary musical styles that we are listening to now such as slow rock, metal, pop, R & B, Hip-hop and funk trace back their roots to blues music. Let's look at the different basic blues patterns that you can use during your gigs and rehearsals.

There are basic blues drum beats you need to learn such as the 4/4, 12/8 bar pattern, the shuffle and the Texas shuffle. Remember that there are so many styles of blues each with their own flavors; ever, they all found their standard beat by following these three patterns.

The 4/4 blues rhythm simply means that there are four beats in the top bar of four. Bottom four means there is a quarter-note for every beat. A standard count of "1, 2, 3, 4" using your cymbals summarizes this pattern. Hit your snare with a quarter beat; then, kick the bass at counts "1" and "3", while you hit your snares at "2" and "4". The 12/8 blues rhythm triples the count of top 4 while the bottom means you are playing one-eighth of the note. A standard count of "1 & a, 2 & a, 3 & a, 4 & a" using your cymbals summarizes this pattern. Your kick will play the 1 and 3, while your snare will come in at 2 and 4.

The Shuffle is a different variation of the 12/8 blues pattern. Instead of counting the straight "1 & a" pattern, you have to put a space between the "1" and the "&"; just like this: "1_ & a 2_ & a_ 3_ & a 4_ & a". In this drum beat, you will kick at counts "1" and "3" while you add the snares at beats "2" and "4". Lastly, the Texas shuffle puts an accent to your snares. Using the shuffle on your snares and cymbals, your kick drum will count a steady quarter note while opening the hi-hat at counts 2 and 4.

To prepare you with heavy drum shuffling and lots of rolling, listen to songs that feature famous blues drummers. Stevie Ray Vaughn's brother, Jimmy Vaughn is an expert in shuffles. John Bonham of Led Zeppelin has nice techniques; His drum solo in "Moby Dick" is superb. You can never go wrong with Steve Jordan, Charlie Watts and Mitch Mitchell.

There are so many materials about blues that you can fill-up a book shelf about it. With blues, "dancing" with your beat is very important. It is not enough that you hit a basic 4/4 beat pattern or a complicated shuffle beat; what is important is that your rhythm fits with the melody of your band.

Source by Frances C Fletcher

Baby Teeth Brushing FAQ and Tips

What age to start baby teeth brushing?

You can start as soon as there is a sufficient amount of tooth surface showing. At this age, teeth should be cleaned at least once a day.

Baby teeth brushing: is it necessary to start at this early age?

Daily baby teeth brushing helps to remove any build up of plaque, the harmful bacteria which causes tooth decay. It is also good to instil in your child the discipline of keeping teeth clean and healthy.

Type of toothpaste and how much?

For under two years of age, use a small, pea-sized amount of children's toothpaste. For the over twos, use a pea-sized amount of fluoride toothpaste. Seek your dentist's advice as to which type of toothpaste would be best; for example, toothpaste can vary in terms of fluoride content and strength of taste.

How long to brush for?

Two minutes is the usual time. You can buy fun teeth brush timers to help keep children focused.

How often to brush?

Once your child has a few teeth, brushing should be at least twice a day. Brushing after every meal would be good practice although may not be practical.

Type of toothbrush

A soft silicone finger toothbrush is the easiest to use for babies. As the teeth develop, choose a small, soft nylon baby toothbrush. Ensure it fits the child's mouth allowing easy access to all areas of teeth and gums.

How often should one replace a toothbrush?

A toothbrush should be changed every three months and after illness such as a cold and flu.

Baby teeth brushing tips

  • Use pea sized amount of toothpaste
  • Hold toothbrush at a slight angle
  • Gently brush / massage both gums and teeth
  • Ensure chewing surfaces, front, back of each tooth and gums are covered
  • Use small strokes

Supervision when children brush their teeth

Toddlers should be encouraged to try to brush their own teeth. However, parents must then complete the process to ensure thorough brushing. Children brush their teeth inadequately well until about 7 years old when their manual dexterity is better developed.


Baby teeth brushing should be supervised. When children brush their teeth, they should not be allowed to walk or run around with toothbrushes in their mouths.

Baby Teeth Brushing and other dental related questions

Young children brush their teeth ineffectively and parents do have questions on baby teeth brushing techniques. We can not go to the dentist just to ask questions, especially if we think these are too simple to raise. Time is precious and we do not always have time to trawl the Internet for answers.

Source by Bob Smee

Expert Tips on Getting Pregnant

There's a lot to think about before having a child. Especially for women, the question of getting pregnant in a healthy and proper manner is particularly important. Some key factors to consider according to experts are:

  • Getting rid of smoking and drinking habits
  • Mental preparation for motherhood which can include reading, talking to other mothers and meditation
  • Healthy and high quality nutrition that provide sufficient minerals, proteins and vitamins

Beyond those basics natural fertility specialists recommend the following:

One: Women need to be aware of when they are ovulating.

The easiest way to find out is to measure the basal body temperature using a specially designed thermometer. This is done during the morning hours. A significantly raised BBT means that you are ovulating. This is a peak time for conception.

Two: It's important to know when sexual union supports fertility.

Men should be aware that the quality and strength of there sperm increases inside the body. It is extremely important to "reserve the seed" by not ejaculating for at least 3 days before the woman's ovulation begins.

Three: The ideal frequency for lovemaking during ovulation.

There is some debate among experts on this issue. Some say that sex should be held everyday during ovulation. Others say that this decrees the amount of sperm available. The happy medium between both arguments is that sex should occur once every two days during ovulation.

Holistic solutions that consider the body, mind and spirit are the best when you are trying to get pregnant naturally. There are many exercises, herbs and lifestyle changes that can also support fertility. The great thing about them is that they have no adverse side effects and overall have a much higher chance of success.

Source by Leta S. Marshall

Tips For Teaching Mitosis

Mitosis can be a challenging topic to teach, especially if your only educational aids are textbooks and photocopied worksheets. For years, introductory level biology students have been taught to memorize the stages of mitosis, without ever thoroughly understanding the process. Luckily, VIRTmac's DNA / RNA Protein Kit provides biology teachers with engaging lesson ideas that are specifically designed to help students understand and retain the difficult concept of cell division.

What is Mitosis?
Mitosis is the process by which a eukaryotic cell separates the chromosomes in its cell nucleus. The result is two cells with identical nuclei. While this may sound like a simple process, biology teachers know that mitosis is actually a complex and highly regulated procedure. The sequence of events is divided into specific phases: the interphase, prophase, metaphase, anaphase, and telophase. Once this cycle has taken place, the cell is ready to separate, which is known as cytokinesis.

Manipulative Models Make Teaching Mitosis Fun
Science students have a better chance of understanding difficult biological concepts when they are actively engaged in interactive activities. Integrating promotional models into your lesson plan will therefore foster multiple modality learning in your students, encouraging increased participation and enhanced knowledge retention. While there are a handful of mitosis activities documented on the Internet, none provide the same amount of clarity and engagement as the magnetic classroom. Teachers from all across Canada are praising the usefulness of the magnetic classroom; one teacher notes that, "it is so good to have a model that covers so many aspects of cell biology that you can manipulate and develop further." The mitosis magnetic classroom activity is included in Lesson 4 of the DNA / RNA Protein Kit and includes an informative video introduction to the concept.

Using the Manipulative Models to Teach Mitosis
The VIRTmac Mitosis lesson plan is easy and fun to teach. Using the DNA nucleotides provided in the kit, teachers will build two homologous chromosomes. Teachers can then unzip and replicated the chromosomes, using four different enzymes and DNA nucleotides. Students will be able to watch as the duplicated chromosomes become bonded together via a centromere. Teachers are able to manipulate the duplicated chromosomes through each stage of mitosis, including cytokenisis.

Students today are fortunately to have technologies like flexible models to aid them in their study of complex cell reproduction. The ability to witness mitosis as a process, and not just individual steps, will make a significant impact on your students' understanding and help them grant the process much quicker than traditional memorization methods.

Source by John MacLellan

Simple Soccer Betting Tips for Tournament Game

How to win the bet in league games?

Betting on league games is a long run investment. Base on my first article – "Simple Theory for Soccer Betting", the strategy used is focus on strong team when they were in good form and moving up. Punters have to bear in mind that strong team have the highest ability to be on top at the end of league game.

How to bet in tournament games?

In tournament games, a team can be kicked out if they lose. Therefore, the output is instant. Although it is long way to see the winner but we could know the loser on the spot if they lose. Base on "Simple theory for soccer betting", we should always go for strong team and focus on up trend. However in tournament betting, we are not looking on the up trend issue. In contrast, we look more important in down trend in situation when a strong team survives to get point. If a strong team hungry for point, it is time for them to win especially in qualifying stage. Why? Fans and supporters are always source of income for clubs and players. Popular strong teams must maintain their reputation and responsible to their fans so they must at least try not to be kicked out at early stage.

In a nutshell, we should only bet on a strong team when they have stronger strength and the need to qualify. On the other hand, punters should observe at early stages and only put their bets in last two rounds of qualifying stage.

You can refer to the statistics table to find out how the strong teams perform in last season.

Source by Joseph Linhard

Last Longer in Bed – Tips For Men

Are you embarrassed about not being able to perform in the bed or tired of premature ejaculation that results in a poor performance in bed? You're not alone. 30% of the men face the same problem and it is curable! You can last longer in bed with some simple tricks.

End your embarassment in bed. with some simple tricks you can last longer in bed during intercourse.
These tips will surely make you last longer in bed if you practice them well. Learn How to Last Longer In Bed with our unique methods.

1. Breathe Slow. This sounds simple but really helps to boost your performance in the bed. Shallow breathing will make you last longer.

2. When you are about to finish, STOP. Relax for a minute and start again. This start-stop-start therapy has been recommended by ancient Chinese masters and if practiced well, you can certainly last longer in bed.

3. Relax your body. Take your time, there is no need to hurry. If you suffer from pre ejaculation it is likely that you will find it hard to relax during sexual intervention. If you tense up the muscles around your penis, you will ejaculate much faster than if you relaxed those muscles. keep this in mind!

4. You can also opt for last longer condoms. These condoms are designed in a special way to adjust the friction between the penal and the vagina in such a way, that make you last longer during intercourse.

Try our methods now. Last Longer In Bed We have had a success rate of 97% in past 3 years! These are some methods that will make you last longer in bed during intercourse. When you practice our methods in the right way, Success is guaranteed.

Source by Ron Chad

Internal Cleanse Tips

If you're interested in completing an internal cleanse to improve your health, you're in the right spot. In this article I'm going to go over some internal cleanse methods, the benefits of internal cleansing, as well as a few important internal cleansing tips so you can get the most out of your internal cleanse.

First of all, there are several ways to complete an internal cleanse. These include:

  • Diet cleansing
  • Enemas
  • Herbal pills or powders

In this article, I'm going to focus on my favorite way, which is herbal pills or powders. I like herbal powders because they're a quick, safe, easy and effective way to cleanse without having to completely change your diet or starve yourself. Plus, I really dislike enemas.

But let's move on to the benefits of internal cleansing. Some of the noteworthy benefits of internal cleansing include:

  • Improved digestion
  • Relief of constipation
  • Less bloating, gas and flagellation
  • Improved skin complexion
  • Increased energy levels and overall well being
  • Regular bowel movements
  • Weight loss
  • No more protruding belly

As you can see, there are many great benefits of completing a good cleanse. But what is the best way to detoxify your system? In my opinion, as stated above, herbal colon cleansing pills work wonders. If you want to find the best colon cleanse products, you have to do a little bit of research. My best suggestion would be to go through forums and find out what has worked for other people, then go get that product and give it a shot.

Also, it's important to make sure that you pick a herbal colon cleanser to suit your body. For people with sensitive digestive systems, a smaller dose may be necessary, so be sure to consult your physician or contact the product manufacturer before completing an internal cleanse.

Source by Colin D. James

10 Tips to Date a Cougar

There are many reasons a Cougar can appeal to you. When I think of a Cougar, Samantha off "Sex in the City" comes to mind, she plays a vivacious, sophisticated woman with a sexual libido that rivals rabbits in spring.

Although her character is fictional who she ports is not. Women at older ages are more attune with there needs, needs and desires.

While Men's sexual stamina is slowing down, Women's desire for intimidation is coming into full bloom. It seems like the worlds cruel joke to have such a wide gap in the ages of sexual maturity but it true, while guys are thinking about sex in there 20's, women are hiring there peak in their 30's or 40's.

This age gap gives a perfectly logical reason why cougars exist but there are other reasons as well.

Men are not the only ones that get mid-life crisis. Women want to feel young again too but instead of buying that corvette or going skydiving, they look to a younger generation. There are many appeals to dating young. Most younger men do not have any strings attached, a youthful personality, and are more willing to try new things.
Revenge can also be a reason; do not be surprised if your new cougar is recently divorced, like recently divorced professional wrestler Hulk Hogan. When word got out that Hulk Hogan had found a girlfriend that could pass as his daughter it was not long after ex-wife Linda Hogan had found a 19 year old boy toy of her own.

So what are the best tips for getting and keeping a cougar?

1. Treat Her Like A Queen –
Treat any women like a queen and she will be flattered and curious. Pay her compliments, open doors for her, notice the details. Did she get her nails done? Tell her you love the color.

2. Do not Ever Tell Her She is a Cougar –
It's another double standard term label put on women that can be offensive. When men go after younger women its ok, but when women does it, watch out! She's a "cougar".

3. Move to the City –
Places like California and New York see Cougar Dating as the newest hot trend. Think Demi Moore and Ashton Kutcher, a very hot couple.

4. Do not Make Her Feel Old –
Just like the feeling you get when a waiter ask you for an ID when buying alcohol you want to replicate that feeling again and again. But do not be fake about it, like saying she looks like Cindy Crawford if she does not. Tell her you love how smart she is, or how amazing her legs look in those jeans.

5. Dating Sites –
These are exceptional places to find Cougar Dates, browse for your cougar in comfort of your house and let them come to you.

6. Give Her New Experiences –
Most women are looking to do things they never did when they were younger, whether that is shooting pool at the billiard, going to a concert, or playing mini golf with friends.

7. Do not be to Needy –
Older women are independent and do not want a guy controlling there life.

8. Make her Feel Young but no too Young –
Beer Binging and Halo War parties are out of the question. She does not want to feel like she stole you from the crib.

9. Let Her Rule the Bedroom –
She is probably way more experienced in this department, let her show you what she knows and what she likes.

10. Same Expectations –
Make sure you are both on the same page before getting into a deep relationship. Is she looking for a casual relationship or long-term. This is important to know so you're both wasting your time.

Source by Barbara Curtis