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Friday, September 19, 2008


The mineral that is critical for women of all ages
 Minerals-although only in relatively small amounts-are absolutely essential to the body's normal mental and physical functioning. The body's only source for minerals is diet-it must provide an adequate daily supply to maintain optimum health and fitness. The mineral content of food is dependent on the mineral available in the soil and, in some foods; minerals are included in compounds that the body cannot break down. Spinach, for example, is a rich source of calcium but it is not in a form that the body can utilize. Today researchers are reporting alarming statistics of widespread mineral deficiencies through out the world. The foods that are rich source of minerals such as dairy foods are also high in fat and cholesterol and are often not popular in the diets of many adults.
 Supplementation of minerals is increasingly an urgent necessity in the diets on many people-this is particularly seen in the amount of calcium which must be taken by women for protective benefits in many conditions. According to a recent study conducted with more than 45000 women, calcium supplementation can significantly reduce the risk of colon cancer and the combination of dietary and supplemental calcium resulted in the greatest effect. While women consuming more than 800mg of dietary calcium each day reduced their risk of colon cancer by 26%, women who consumed more than 800mg of calcium through a combination of diet and supplementation reduced their risk of colon cancer by 46%. "It is especially notable that the risk reduction was present regardless of the source of the calcium, and that simultaneously consuming high levels of calcium from both diet and supplements further reduced risk," said Dr. Andrew Flood of the University of Minnesota Cancer Center and School of Public Health. "Calcium has a direct impact on a whole series of biochemical pathways within the cells that line the colon and rectum. These pathways play important roles in regulating how these cells grow and mature, and thus can be important components of the cancer process."
In addition to cancer prevention, calcium has long been linked to the prevention of osteoporosis, and new research indicates that calcium supplements should begin at an earlier age than previously believed. Over a period of seven years, Dr. Velimir Matkovic, Director of the Osteoporosis Prevention and Treatment Center and the Bone and Mineral Metabolism Laboratory at Ohio State University, conducted a clinical trial of girls aged eight through thirteen to determine the impact of calcium supplementation on bone density. Dr. Matkovic explains, "The pubertal growth spurt accounts for about 37 percent of the gain in the entire adult skeletal mass, meaning inadequate calcium intake during the period compromises the bone mineral accumulation rate." Researchers found that calcium supplementation significantly increased bone mass development. Of the 354 girls in the study, the calcium-supplemented group showed a faster rate of bone mass development. These findings suggest that elevated calcium use by pre-adolescent girls is likely to help prevent fractures and osteoporosis later in life.


For years the debate has raged on about the benefits and drawbacks of modern farming techniques. Industrial agriculture or “hyper-farming” has resulted in giant strides in crop yield, but many claim nutrient content – and thus their total nutritional value to humans – has been suffering.
The average yield in terms of bushels per acre for major crops in the US has sky rocketed since the 1950’s. Corn is up 342%! Wheat is up 290% while both Soy beans and Alfalfa are up about 170%. Similar sorts of yield gains have occurred in Europe, Australia, Japan and other regions of the world as well.
Data presented by researchers from the Department of Soil Sciences at the University of Wisconsin Madison shows that while these great advances in crop yield have occurred in the last 50 years nutrient content has been under siege and declining. Similarly, a review of data published by the USDA’s ARC Nutrient Data Laboratory shows “a sharp decline in the minerals, vitamins and other nutrients in foods since the last comprehensive survey”, about 20 years ago.

Recent data published by Dr. David Thomas, a primary healthcare practitioner and independent researcher, looked at the difference between UK governments published tables for nutrient content published in 1940 and again in 2002. The comparison was eye-opening. It showed that the iron content of 15 different varieties of meat had decreased 47%. Dairy products had shown similar falls; a 60% drop in iron and up to a 90% drop in copper.

It is true that in the modern world of the industrial nations, fruits and vegetables availability is at an all time high. If we want it, it’s there. On the other hand despite this increased availability, fruit and vegetable consumption has not increased in the population. Indeed in many population sub-groups it has declined. When this knowledge is coupled to the reported declines in nutrient levels in foods, it has many healthcare providers, scientists, researchers and government officials looking for answers as to how we can hope to sustain the nutritional value and balance of our foods while needing to produce more and more from the same soils to feed an ever-growing population. So far the path ahead is uncertain at best.

Tea and Ovarian Cancer Risk: researchers at the karolinska Institute Division of Nutritional Epidemiology in Stockholm, Sweden conducted a 15 year follow-up study of more than 61,000 women aged 40 to 76. Their evidence, published in the archives of Internal Medicine (2005; 165 (22): 2683-2686) showed that those women who consumed tea on a regular basis had a dramatically lower risk for ovarian cancer. Tea drinkers who averaged less than one cup per day equaled an 18% risk reduction. One or more cups per day provided a 24% risk reduction and 2 or more cups a day showed a 46% risk reduction. As you might expect, these findings prompted the researchers to conclude “Results suggest that tea consumption is associated with a reduced risk of ovarian cancer.”
Soy and Women Health: Publishing their work in the January 15, 2006 issue of Cancer Research, a team of researchers from West Forest University, Winston-Salem, North Carolina, USA concluded that soy phytoestrogens may protect against breast cancer risk in post menopausal women. According to researchers from John Hopkins University presenting data at the November 15, 2005 meeting of the American Heart Association, consuming soy protein (20 grams per day for 6 weeks) reduced two strong indicators for coronary heart disease in postmenopausal African American women. The result show that LDL-cholesterol and another cholesterol marker known as LDL-P (P=particle number) were decreased in women taking soy protein, regardless of age or race.

Friday, September 12, 2008


This is the state of being unable to pay for what one owes or lacking completely in anything that has value.
It is not just individuals that go bankrupt, organizations also go bankrupt and some Government can also go bankrupt, that is why you hear of Bankrupt Economy.Bankruptcy can be avoided and should be avoided. However, the question is how many individuals or organizations know what to do in other to avoid bankruptcy?
There are different types of bankruptcy, but for the purpose of this write-up, I shall only consider one type of bankruptcy---FINANCIAL BANKRUPTCY, as it applies to individuals .


This refer to individual who are financially bankrupt. Let me begin by asking you these questions: If you have One Million Dollar ( $1,000,000.) today, how will you handle it? What will be your priorities? You will agree with me that one way or the other, we all come across money in our day to day activities, but some how, some of us don't know how we spend the money. The biggest problem about money is not how to get it but how to handle it. Now, I want you to answer this question: All that you have in your home now, is there anything you wished you would not have gotten?


There are various reasons why people become financially bankrupt, but for the sake of this write-up, I shall elaborate on only three cogent reasons-which are :

1. Mis-Management

2. Mis-place Priorities

3. Acquisition of in-appropriate liabilities


Before I let you know what Mis-management is, it is better you know what Management means. From the English dictionary, it means the act or skill of dealing with people or situation in a SUCCESSFUL way. From the above definition, we can say that mis-management is dealing with people or situation in an unsuccessful way. Better put as to deal with something badly.
When it comes to finance, alot of people are guilty of mis-management. Most people do not know the act or skill involve in the managing money. For you to overcome financial mis-management, you need to have an understanding of the other reasons people go into bankruptcy.


A priority is something that is more important than any other things and as such are dealt with first.By mis-placed priority, I mean priority that is out of place, i.e. instead of dealing with the most important things first, you deal with them last. In other word, instead of spending your finance on things of high priorities, you spend it on those of low priorities.
Mis-placed priority is as a result of people trying to live a false life. A false life is a life that is inimical to what they see on the television, which in the real sense, is out of their reach.


Liabilities are things that do not yield you any financial profit. It could also be said to be things that have no financial values in terms of debt payment. Liability gives temporal happiness and a permanent pain or regrets.
Having understood what liabilities are, it would be out of place not to mention that in life, we all have to acquire some liabilities. However, what am saying here is that, since it is imperative for us to have liabilities, we should have the appropriate one i.e. we should endeavour to have the ones we can't do without, rather than going for everyone that appeal to us. Here is a question for you: If you have a few Millions of dollars come your way, what liabilities would you acquire? Would you go for an expensive vacation in the Caribbean islands? Or as an African man, would you add more wives to yourself?

There is no problem without solution. Before I let you into the solution, we need to do some self evaluation and self test. You have to answer these questions first:

1. Do you spend above your income?

2. Have you ever had any regret for acquiring something?

Alright, here is the self evaluation; Take your pen and write these words down , INCOME & EXPENDITURE. On the INCOME column, put down all your source of income and against each source of income, put down the exact amount of money you receive from that source on a day to day or monthly basis.


If you are on a salary of $100 per day, then for 30 days you will earn $3000. Or if you are on per hour, then multiply that amount you earn per hour by the numbers of hours you work in a day , and multiply the result by the number of days you work in a month. e.g. if you earn $50 for one hour and you work for eight ( 8 ) hours in a day, then you have $400. a day and if in a month, you work for twenty( 20 ) days, then you earn $8000. in a month. Therefore, your income column will look like this:



That been done, put down all other source of income you may have and at the end, sum them together to have your total income. On the EXPENDITURE column, put down all your expenditures for the month in monetary terms. For example, if Rentage is past of your expenditures, then against rentage, you will put down what you pay as your monthly rentage. So, it should look like this:





at the end, sum up all your expenditures to have your total expenditure. Now, compare your total income with your total expenditure, what do you notice?

Is your total income greater than your total expenditures? Or is your total income equal to your total expenditures? Or is it less than your total expenditures?

If your total income is greater than your total expenditures, it shows that you are above bankruptcy, but the degree to which you are above it depends on the percentage to which your total income is in comparison to your total expenditure. For instance, if your total income is 10% higher than your total expenditure, it means you are 10% above bankruptcy---which is not a fair grade against bankruptcy, but on the other hand, if the percentage is above 60% it means you are secured fairly enough against bankruptcy.

However, if your total income equal your total expenditure, it means you are on a dangerous path and you could fall anytime into bankruptcy. Moreover, if your total income is less than your expenditure, it goes to show that you are '' already bankrupt''. Therefore, you need an urgent and calculated move in other to come out of that state.

More so, the Solution tips given in this write-up is to help those who are teetering at the brink of bankruptcy and those, that are already bankrupt, to come out of it. Not withstanding, that it is to help those set of people mentioned above, those who are already above bankruptcy could also draw from it , in other to keep them permanently above. Below is the list of the solution tips, which I have outlined.

1. Proper Financial Management( p.f.m.)

2. Prioritized Needs

3. Acquisition Of Assets

4. Streamline Your Expenditure


A p.f.m. is the bed rock of all financial success. How does one or how can someone attain a p.f.m. status? For you to attain a p.f.m., you need:

a. Skills

b. Discipline


The Skills needed to manage finance properly does not come from the Traditional Education System, which we all go through but rather, it comes from a more reliable tailor-made special kind of schools--called sometimes Business Schools.However, since it is not possible for everyone to go to such schools, there are those who have gone and are willing to render their service to us as financial adviser. These adviser are there to tell us what to do with the extra money we have, the type of investment to invest in and how profitable an investment is going to be. So, the next time you have that few extra money (whether small or big ) seek the advice of a financial adviser.

Discipline plays an important role in determining if one will be bankrupt or not. Discipline is what helps you to be wise in spending. What is a 'Wise Spending' ? A wise spending is spending your finance on finance. It means that you spend money on things that generate money. When one is not financially discipline, the propensity to spend foolishly and on material things that has no long term values is high.

What are your needs? What are your day to day needs? What are those things you can't do without in your everyday life? Now, be sincere and ask yourself these question, the things you spend money on daily, are they the most important things you aught to spend money on? Are those things so important that you can't put some of them away? It is true that priorities differ from one person to the other. What I mean is this: What is of least priority to me, may be of most priority to you. Whether, our priorities are different or not, what is expected of everyone is to set his or her priorities right, take for example, a man that earns a total income of $10,000. monthly and he is putting up a priority of acquiring a Suit worth $5,000. Do you think that kind of priority is in the right place? The bane of some people lives is that, they try to live the ''TELEVISION LIFE'' ( they try to live the lives of the Hollywood stars and all other stars that appear on the television) and as such they place their priorities based on what those artiste wear, have and do. If you want to be above bankruptcy, then you should and must set your priorities right.

What is asset? It means something that is useful and contributes to the success of something. It also means a valuable thing-a property to which a value can be assigned. Another meaning of asset is Possession or valuable that is in the form of cash or can easily be turned into cash. Asset is the opposite of Liability. Most people acquire liability instead of asset. Asset is what could easily generate more money for you. The acquisition of asset gives both short and long term financial joy and security.
The secret of most rich people around you is that , they acquire good assets. A good asset is that asset which gives short, medium and long term returns on your investment. For instance, an investment that yields dividend on a yearly basis is a good investment. For you to know a good investment, you will need the required skill or acquire the service of a financial adviser. Below, are some assets you could invest on.

This is where most People get it wrong. Your income is expected to be greater than your expenditure greatly, but in a situation where your expenditure equal or exceeds your income, it shows you require urgent help. If you will be truthful with your self, you will agree with me that not not all your expenditure are trully your most needed expenditure. So, all you need to do is to cut down on your expenditure i.e. remove the less important ones. Streamlining your expenditure would require some sacrifice and discipline. Don't act or live as if you are a santa claus and don't try to be a Bill Gates. Always remember this: '' THAT YOU DON'T NEED A THING DOES NOT IMPLY THAT YOU CAN'T AFFORD IT''.

Thursday, September 4, 2008



The WHO considers the top 5 causes of death to all be chronic disease-all of which are preventable, or at least delay-able. And they are not the only ones. The US centers for Disease Control and Prevention (CDC) and most major health authorities world-wide agree. To fight the ever-increasing risk and presence of chronic disease we need to do three things: Stop Smoking, Get Active, and FIX OUR DIETS!!!!!!!!!!


Hearth Disease
Chronic respiratory disease

The WHO sees nutrition as the foundation of health. The formula is simple and compelling-poor nutrition equals poor health and greater disease. Good nutrition equals good health and less disease. It’s simple and it’s irrefutable.


Healthy whole foods and the powerful protector nutrients they contain are the arsenal the WHO, the CDC, THE USFDA, the American Heart Association, the U.S. National Cancer Institute, and others point to as our best weapons in the fight against chronic disease.

For heart Disease and Stroke prevention the American Heart Association recommends:
Vegetables and fruits: eating a variety of fruits and vegetables may help you control your weight and your blood pressure.
Whole-grain foods: contains fibre that can help lower your blood cholesterol and help you feel full, which may help you manage your weight.
Fish: at least twice a week. Recent research shows that eating oily fish containing omega-3 fatty acids (for example, Salmon, trout, and herring) may help lower your risk of death from coronary artery disease.
For cancer prevention the U.S. National Cancer Institute says:
· Populations with diets high in fruits and vegetables tend to have a lower cancer risk.
· Fruits, vegetables and grains contain a number of nutrients, including carotenoids, vitamin-A, and vitamin-c.
· Numerous studies have found evidence that carotenoids reduce the risk of some cancers.
For Diabetes prevention the American Diabetes Association recommends:
· Eat lots of vegetables and fruits. Try picking from the rainbow of colours available to maximize variety. Eat non-starchy vegetables such as spinach, carrots, broccoli or green beans with meals.

Publishing their report card on the American diet in the September 2006 issue of the journal of the American Dietetic Association, researchers, from the USDA and the US National Cancer Institute report too many Americans are failing to get the fruit and vegetables nutrition needed for optimal health. They point out that more than 60% of Americans fail to reach the 5 servings per day minimum recommendation- let alone the 9 to 13 servings per day optimum intake recommendations! Some population groups were surprisingly bad. For boys 14-18 only 0.7% reached the 5-a-day minimum target. For women 51-70 the number was 17%. Other groups faired similarly poorly prompting researchers to write “a large portion of the US population needs to increase their fruit and vegetable intake if recommendations are to be met. Barriers to increasing consumption….should be investigated and strategies for appropriate programs and interventions should be developed.”

Monday, September 1, 2008


The Environment is God's blessing to Mankind and it comprises of the Atmosphere, land and Seas, with all the Living things that are there-in. Back in the Days when Everything was good-luscious Land, green vegetation, good atmosphere and wonderful seas and oceans. How about the beautiful forestation scattered all over the world? the various kind of plants and animals that live on the land and in the seas and oceans, the north pole and its wonderful accumulation of ice-called glaciers, with all the animals that habit it? in fact, one will say then, ''WHAT A WONDERFUL WORLD?''
This time around, that statement can't be said, because, the Environment has become man's waste disposer both in the air, land and sea, it has become the bane of man;s technological and scientific advancement and it has been degraded and has changed from blessing to cursing to mankind.
The major factors that have affected the change of the Environment drastically, is man and his activities. These activities span from the Quest to have, to explore, to know, to experiment and every other Quest that has driven man to ruining the Environment with his activities. These activities include, but not limited to deforestation, Waste pollutions, Scientific & Technological Experiments/test and Wars.
These factors....................

To be continue