The Best Method To Invest Quite A Bit Of Cash

A lot of people strive really hard for his or her income. Some, then again, get huge sums of income without doing very much to earn it. Equally groups of folks have the capability to help make their cash work with them however accomplishing this demands some knowledge with making an investment that the typical individual merely does not have. There are many horrible approaches to devote large amounts of capital — particularly when that cash had been acquired in just one lump sum payment that is not likely to come about again. Investing all this on extravagant holidays or even new vehicles will undoubtedly create a couple of great pictures and many dissatisfaction. An improved strategy to spend is within Luxury Properties. This is not the same as regular real estate buying. Deluxe properties, for example individuals advertised in Address.Properties, are almost certain to rise in valuation. An added gain is the fact while you are hanging around for the value to increase, you are able to stay in the home free of stressing about shedding any of the value or potential earnings such as you would be traveling a luxurious car. Veteran buyers are always ready to provide suggestions to individuals who have brand new funds. Even so, the techniques that work for them may possibly cause wonderful deficits for individuals that don’t have a great deal of freedom for risk. By simply surfing around sites similar to Address Properties, individuals with a lot of cash to shell out can find a nice house that will be a joy to either stay in or promote after having a short period of time. Real estate brokers that specialize in these kinds of properties can be a useful source and are generally ready to give More Info to customers as they select how to invest their own brand new prosperity. Although purchasing lots of playthings, throwing fascinating celebrations or perhaps going on escapades can be loads of fun, that pleasure is definitely temporary. In order to ensure the prosperity lasts, you should dedicate it in belongings which are certain to make money. As the general housing market may have wide swings, the luxurious sector is a lot more dependable and certain to bring about wonderful profits for people who take the time to select sensibly.

Pain Medication and Heart Failure

Popular anti-inflammatory, pain-killing drugs (called NSAIDs-or non-steroidal anti-inflammatory drugs) may increase the risk of relapse in patients with heart failure according to a study published in the Archives of Internal Medicine (February 11, 2002;162:265-270). NSAIDs, a group of drugs that includes aspirin and ibuprofen, are often used to treat pain and inflammation.

The drugs will not create congestive heart failure (also called CHF), but there may be an association between the use of the drugs and relapse in patients already diagnosed with CHF. CHF occurs when the heart loses the ability to pump efficiently, creating fluid build-up in the body, including the lungs.

Aspirin is often taken to reduce the risk of heart attack, but some research has suggested that those who take other pain medications may increase their risk of heart failure. Researchers found that patients who had filled at least one NSAID prescription were nearly 10 times more likely than those who didn’t use the drugs to have a relapse of CHF.

For certain patients, NSAIDs may indeed cause fluid retention and high blood pressure. Patients who have had angina, congestive heart failure, bypass surgery, heart attack, or angioplasty with stent placement should seriously consider safer alternatives.

Medication vs Natural Health Care for Pain

This month we are sharing some of the research about pain and the use of natural health care. A common misconception that many patients have about treating pain is that the drugs they are taking are actually doing some good. Pain medication does not heal or repair a problem-it only offers temporary relief. That relief comes at a price. Pain medication causes problems.

Arthritis patients take NSAIDs regularly without realizing that they actually interfere with cartilage repair. These drugs are linked to high blood pressure, kidney failure, heart failure, ulceration of the GI tract, and some drugs even interfere with bone repair.

According to research appearing in the American Journal of Medicine, “Conservative calculations estimate that approximately 107,000 patients are hospitalized annually for nonsteroidal anti-inflammatory drug (NSAID)-related gastrointestinal (GI) complications and at least 16,500 NSAID-related deaths occur each year among arthritis patients alone. The figures for all NSAID users would be overwhelming, yet the scope of this problem is generally under appreciated”

The drugs have side-effects and some would even say that they are dangerous, but what are we to do? Many people have pain, and relief is a priority for them. Chronic pain is the most costly health problem in America, with an estimated annual cost of about $90 billion per year. This cost includes lost productivity, legal costs, doctors’ visits and medication; 80% of all visits to the doctor are pain related. An estimated 40 million Americans have arthritis or other rheumatic condition. That number is expected to climb to 59.4 million, or 18.2% of the population, by the year 2020, according to a new report published as a collaborative effort between the National Institutes of Health (NIH), the Centers for Disease Control and Prevention (CDC), the Arthritis Foundation, and the American College of Rheumatology. Approximately 12% of all Americans suffer from migraine headaches. Nine out of 10 migraine sufferers report they can’t “function normally” during days in which a migraine strikes. Three out of 10 migraine sufferers require bed rest when suffering from a migraine.

In 2001, over 13 million people saw a physician for the treatment of back pain. According to the NIH, 65 to 80% of all people have back pain at some time in their life. Half of all working Americans admit to having back pain symptoms each year. Back pain costs an estimated $50 billion each year.
We try not to get too political in this newsletter, but I can’t imagine that speaking in favor of the First Amendment is very controversial. There is a product made from a patented extract of skullcap that would have been worth mentioning in this article. The manufacturer is worried about any claims being made about the product-because it may cause problems with the FDA.

It has outperformed COX-2 inhibitors in clinical studies, but the manufacturer can’t compare the product head-to-head with drugs. It has improved WOMAC scores on arthritis patients, but the manufacturer can’t say that the product treats joint pain. They can say that the WOMAC score is improved, but can’t say what WOMAC is-because it contains the word “arthritis” (it is a pain-rating scale).

In the mean time, products that are linked to high blood pressure, kidney failure, heart failure and death can make claims. Maybe the reason so many older Americans take so many drugs is because they start young-with pain medication (that help to destroy joints-making sure that they continue to need them) and safe alternative products are not allowed to make claims.

Robominer Review – An Honest Review on Robominer EA

Review Updated: 30th Nov 2009

Robominer is a grid trading robot. It works in the theory that using prudent money management, no matter what the price went to in its historical operating range, the trader using this strategy will not ever get a margin call. This is achieved by limiting the contract size of the investments to a small percentage of the equity balance.

Types of Robot: Grid Trading Robot

Broker Platform: Metatrader 4 (Work on both 4th and 5th decimal brokers)
Back-test and Forward Test Generated: Alpari UK
Price: $497 (one time payment) or $39.99 recurring monthly subscription
Refundable: No, it allow demo testing by registering with their website prior to purchase
Pair: Aud/Nzd and Eur/Chf

1. Money Management

It is unique in its way because money management is calculated by balance factor in this strategy. In its default setting, every $4,000 in your equity, the robot will add 0.01 volume (1 micro lot). If you have an account size of $10,000, you will start trading with 2 micro lot.

The idea for this strategy is regardless of what how much the price moves, the trader will not ever meet a margin call. This explains for the very small contract size traded.

You can specify the balance factor, but by entering how much dollar to a micro lot. That is if you specify 3000, that will be for every 3000, the strategy will trade with 1 more micro lot.

2. Drawdown

The Back tested results showed a maximal drawdown of not more than 20% the past 4 years. Positions are entered only with a fixed take profit levels. They will only be closed if their take profit levels are achieved.

Most of the drawdown are paper loss, that is loss will only be realized if positions are closed. Hence, drawdown stated in this strategy is usually not reliable because we could not predict how much paper loss the system will generate during times when it has 10 opened trades lying for a few months and price facing the potential of breaking its historical extremes.

Trade Analysis

Order Type = Market Order
Take Profit = 40 pip ( Eur/Chf)
Stop Loss = N/A (Grid Trading does not trade with a stop loss)

3. Ease of Use

Most of the parameters are explained in the manual provided. Strategy provides a certain level of optimization. However, for those who have dealing first time with a grid trading robot will feel overwhelm. Luckily for this group of traders, you can simply trade with default conservative settings.

4. Honest Result

There isn’t much to compare between backtested and forward test results. Profitable closed trades are the only results you can see. There is also the floating profit you will want to take special attention at the forward tests.

Update: 30th Nov 2009

Our demo account was disabled by the broker. It is because robominer EA hasn’t placed any trade in the past 30 days. The above data is a new account and a fresh record will be taken from here.

5. Other Features

Parameters to Take Note (Optional)

Balance FactorFIFO (if NFA regulated)
Stealth Mode
Allow Internal Close (Can be enabled to close position before take profit level is met)
EmergencyCloseAllTrades (Only use this during emergency when decided to switch broker or nearing margin call)

6. Weaknesses (If Any)

– At least $10,000 should be Invested

This strategy should be traded with account more than US $10,000. More money invested to trade with this strategy will increases the probability of achieving a annual return of 33% ROI.

– Select Brokers that Offer Micro Lots Only

Choose brokers that allow trading with micro lots.

– Floating Loss

Accumulated positions may reflect a huge floating paper loss. User must be able to withstand paper loss as system is shown to withstand and close them with profits.

– Difficult to Backtest

Generating 1 year backtest took our team more than 1- 2 hours. It takes a lot of computer resources and 1 backtest can only be done at a time.

7. Support

Provide demo testing before you buy. Support consists of forum. Provide quarterly updates.

Summary

We forward tested trading Eur/Chf with this strategy. We choose Eur/Chf instead of Aud/Nzd because Eur/Chf has a lower spreads than Aud/Nzd. This strategy works extremely well for people who have a lump sum and are concerned about taking too much risk and short term volatility in the markets.

According to the owners, they stated that strategy will bring at least 30% or more per annum. Back tests showed the past 3 years brought in at average 30% ROI per annum. If proven true by forward test, these results beats the inflation by a big fat margin and is a very good investment compare to those you find at the banks.

For investors with small start up capital, it will clearly not be as beneficial to use this system. This is because for one to maximise the full potential of this system, users has to use it over the long term and to start with a considerable amount of capital to reap the full rewards.

If used over the long term, system will bring in small and consistent profits with minimal risk.

Rating

7/10

Feel free to use this article on your website or ezine as long as the following information about author/website is included.

Congestive Heart Failure

In order for life to continue, the human body must maintain a level of consistency in the metabolic processes that are constantly occurring. Only slight fluctuations in metabolic processes are tolerable to the human body. Once beyond the slight fluctuations, diseases and disorders become evident. Thibodeau states that the effort of the human body to maintain the internal environment within certain limitations is termed homeostasis. Bodily functions such as temperature, salt content, pH levels, fluid volume, fluid pressure, and oxygen level must remain within narrow limits (14). The cardiovascular system is of vital importance in helping maintain homeostasis.

In order to understand the important role the heart has in maintaining homeostasis, one must first understand the basic anatomy of the heart. The heart has been described by some as a rough triangular shaped organ, approximately the size of a closed fist, with an exaggerated point at the bottom left. There are four chambers of the heart; the upper two chambers are termed the atria, and the lower two chambers are termed the ventricles. Likewise, the chambers are named accordingly for the left or right side of the body: right atrium, left atrium, right ventricle, and left ventricle (Thibodeau 302).

The heart is a muscular organ that pumps blood throughout the body on a regular and ongoing basis. Blood is carried away from the heart and back to the heart by tube like structures called blood vessels. The vessels that carry blood away from the heart and to body organs and tissues are arteries. Veins are the blood vessels that carry blood back to the heart from the organs and body tissues (Thibodeau 311).

When the heart is not able to pump blood effectively, a disease known as congestive heart failure (CHF) can develop. CHF is a common condition; approximately 5 million people in the United States have heart failure. Approximately 300,000 deaths per year are attributable to congestive heart failure (What is 1). Congestive heart failure is not just a disease of the elderly; both children and adults can suffer from CHF. In addition, males and females can be struck with CHF (What 1).

CHF is a disease that does not develop overnight; rather, it is a progressive disease that develops over years as the heart grows weaker (What 1). CHF is a result of other diseases or conditions that over time cause the heart muscle to sometimes enlarge, weaken, and stretch to the point to where the heart cannot pump blood effectively to meet the demands of the body. Some diseases that often (but not always) cause damage to the heart muscle resulting in CHF are: coronary artery disease, heart attack (MI), high blood pressure or hypertension (HTN), faulty heart valves, cardiomyopathy, myocarditis, congenital heart defects, abnormal heart rhythms (arrhythmias), side effects of chemotherapy, hypo/hyperthyroidism, emphysema, lupus, diabetes, viruses that attack the heart muscle, severe infections, and blood clots (Heart failure 1).

Most Hardest-Hit Currencies in the Forex Market

The value of currencies rise and fall against other currencies. In Forex, factors that affect the value of currencies include economic conditions, international trade and financial and economic policies. For almost two years, the global financial crisis ripped across many economies, big or small, affecting values of currencies. Here are some of the most hardest-hit currencies:

Euro (EUR)

Because of the economic crisis facing major European countries: Greece, Italy, Portugal and Spain, majority of investors are moving away from the euro. The currency fell -4% vs Swiss Franc and -16% vs the U.S. Dollar.

British Pound (GBP)

The British Pound is pounded in the Forex market. It fell -2% against CHF and -16% against the USD. However, despite the hard hit, British exporters are happy seeing that a weak currency will help the export sector a bit quicker.

Swiss Franc (CHF)

Though the Swiss Franc reached new highs against the Euro this week, it still fell -12% against the USD. Compared to the EUR, the franc remains in demand while the euro remains completely unloved. Traditionally, the strong Swiss franc is a refuge currency.

Australian Dollar (AUD)

The Australian dollar remains strong yet faces tough days in the markets driven by fears about the debt crisis of several European countries. The AUD rose 1% vs CHF but fell -10% vs USD. The Australian Dollar or AUD is the fifth most traded currency in the Forex market in line with the USD, EUR, JPY and GBP.

As for now, the U.S. Dollar, Yuan and Yen are among the strongest currencies. Its respective countries: U.S., Japan and China have the strongest and largest economies as measured by the GDP.

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Short Data About The Origin And Development Of The Currency Exchange Market

Currency trading has a long history and can be traced back to the ancient Middle East and Middle Ages when foreign exchange started to take shape after the international merchant bankers devised bills of exchange, which were transferable third-party payments that allowed flexibility and growth in foreign exchange dealings.

The modern foreign exchange market characterized by periods of high volatility (that is a frequency and an amplitude of a price alteration) and relative stability formed itself in the twentieth century. By the mid-1930s the British capital London became to be the leading center for foreign exchange and the British pound served as the currency to trade and to keep as a reserve currency. Because in the old times foreign exchange was traded on the telex machines, or cable, the pound has generally the nickname “cable”.

After the World War II, where the British economy was destroyed and the United States was the only country unscarred by war, U.S. dollar, in accordance with the Breton Woods Accord between the USA, Great Britain and France (1944) became the reserve currency for all the capitalist countries and all currencies were pegged to the American dollar (through the constitution of currencies ranges maintained by central banks of relevant countries by means of the interventions or currency purchases). In turn, the U.S. dollar was pegged to gold at $35 per ounce. Thus, the U.S. dollar became the world’s reserve currency. In accordance with the same agreement was organized the International Monetary Fund (IMF) rendering now a significant financial support to the developing and former socialist countries effecting economical transformation.

To execute these goals the IMF uses such instruments as Reserve trenches, which allows a member to draw on its own reserve asset quota at the time of payment, Credit trenches drawings and stand-by arrangements. The letters are the standard form of IMF loans unlike of those as the compensatory financing facility extends financial help to countries with temporary problems generated by reductions in export revenues, the buffer stock financing facility which is geared toward assisting the stocking up on primary commodities in order to ensure price stability in a specific commodity and the extended facility designed to assist members with financial problems in amounts or for periods exceeding the scope of the other facilities.

At the end of the 70-s the free-floating of currencies was officially mandated that became the most important landmark in the history of financial markets in the XX century lead to the formation of Forex in the contemporary understanding. That is the currency may be traded by anybody and its value is a function of the current supply and demand forces in the market, and there are no specific intervention points that have to be observed. Foreign exchange has experienced spectacular growth in volume ever since currencies were allowed to float freely against each other. While the daily turnover in 1977 was U.S. $5 billion, it increased to U.S. $600 billion in 1987, reached the U.S. $1 trillion mark in September 1992, and stabilized at around $1.5 trillion by the year 2000.

Main factors influences on this spectacular growth in volume are mentioned below. A significant role belonged to the increased volatility of currencies rates, growing mutual influence of different economies on bank-rates established by central banks, which affect essentially currencies exchange rates, more intense competition on goods markets and, at the same time, amalgamation of the corporations of different countries, technological revolution in the sphere of the currencies trading. The latter exposed in the development of automated dealing systems and the transition to the currency trading by means of the Internet. In addition to the dealing systems, matching systems simultaneously connect all traders around the world, electronically duplicating the brokers’ market.

Advances in technology, computer software, and telecommunications and increased experience have increased the level of traders’ sophistication, their ability to both generate profits and properly handle the exchange risks. Therefore, trading sophistication led toward volume increase.

Forex – What is it?

The international currency market Forex is a special kind of the world financial market. Trader’s purpose on the Forex to get profit as the result of foreign currencies purchase and sale. The exchange rates of all currencies being in the market turnover are permanently changing under the action of the demand and supply alteration. The latter is a strong subject to the influence of any important for the human society event in the sphere of economy, politics and nature. Consequently current prices of foreign currencies evaluated for instance in the US dollars fluctuate towards its higher and lower meanings. Using these fluctuations in accordance with a known principle “buy cheaper – sell higher” traders obtain gains. Forex is different in compare to all other sectors of the world financial system thanks to his heightened sensibility to a large and continuously changing number of factors, accessibility to all individual and corporative traders, exclusively high trade turnover which creates an ensured liquidity of traded currencies and the round – the clock business hours which enable traders to deal after normal hours or during national holidays in their country finding markets abroad open.

Just as on any other market the trading on Forex, along with an exclusively high potential profitability, is essentially risk – bearing one. It is possible to gain a success on it only after a certain training including a familiarization with the structure and kinds of Forex, the principles of currencies price formation, the factors affecting prices alterations and trading risks levels, sources of the information necessary to account all those factors, techniques of the analysis and prediction of the market movements as well as with the trading tools and rules. An important role in the process of the preparation for the trading on Forex belongs to the demotrading (that is to trade using a demo-account with some virtual money), which allows to testify all the theoretical knowledge and to obtain a required minimum of the trade experience not being subjected to a material damage.

Recognizing Congestive Heart Failure Symptoms

Congestive heart failure symptoms, or simply heart failure symptoms, is a condition that occurs when the heart is unable to pump enough blood to meet the normal needs of the body’s tissues. It interferes with the kidney’s usual function of eliminating excess sodium and other waste from the body. Congestive heart failure can affect either the right side, left side or both sides of the heart. There are many diseases that can impair pumping efficiency and symptoms of congestive heart failure including fatigue, diminished exercise, shortness of breath, and swelling. Today, however, there are many effective measures that can be utilized to improve the symptoms, and the survival, of patients with congestive heart failure.

While all cardiac conditions carry similar symptoms of chest pain and difficulty breathing, congestive heart disease has a very specific set of symptoms and lab results, giving doctors a firm set of clues upon which to base a definite diagnosis.

Dyspnea, or difficulty breathing, coupled with severe edema (when the body retains fluid to the point of holding the imprint of an object that is pressed into the skin for several minutes) are generally the first symptoms pointing to congestive heart problems. It results in the heart not being able to efficiently pump blood throughout the body; as a result, fluid accumulates rather than being removed and causes the body to swell as if it were a water balloon. Non-pitting edema, or fluid retention that does not hold an imprint, is not caused by a congestive heart and indicates that another diagnosis should be made. The patient may also produce a frothy pink sputum when they cough.

In addition to the symptoms related to the fluid accumulation, general weakness and malaise, particularly during times of physical exertion are frequent symptoms of patients suffering from congestive heart failure, and should not be ignored. This is caused by a lack of nutrients and oxygen from the blood to the body tissues, and can result in permanent damage to the internal organs if they are left without these vital elements for a prolonged period of time. Anuria, or a lack of urination, is also evidential of heart failure as fluid accumulates in the tissues rather than being excreted as normal. Patients may suffer from an altered mental status due to toxins accumulating in the body.

As soon as the physician suspects heart failure based on the physical evidence, blood samples will be sent to the laboratory. BNP, or Beta-natriuretic peptide, is excellent for screening in suspected cases of heart failure. This hormone is produced in greater quantities by the failing heart muscle as fluid levels rise, with a level between one hundred and five hundred pg/mg suggesting congestive heart failure and greater than five hundred being fairly diagnostic; however, an elevated BNP should not be considered to be sufficient evidence upon which to base a decisive diagnosis, as conditions like renal failure, ventricular strain, tumors or hypoxia can also cause BNP levels to rise too. Arterial blood gases may be tested to determine the degree of hypoxemia. A decreased erythrocyte sedimentation rate, proteinuria (protein in the urine), and a mild azotemia (elevated blood urea level) becomes evident in early to moderate disease. An increased serum creatinine, hyperbilirubinemia (increased bilirubin in the blood) and dilutional hyponatremia (decreased serum sodium levels) are also evidence that the patient is suffering from a more advanced case of heart failure.

Radiology can also perform imaging studies to evaluate the condition of the heart. A chest x-ray will usually reveal cardiomegaly (enlargement of the heart) and pleural effusion (fluid around the heart). An echocardiogram is performed to study the internal structures of the heart to evaluate for any structural abnormalities, as in the case of mitral stenosis. This provides confirmation to determine the underlying cause of congestive heart failure, particularly in suspected cases of valvular heart disease.

Physicians are very like detectives, in that once these tests have all been run they will gather these pieces of evidence together to form a fairly accurate picture of the patient’s condition, allowing for an accurate diagnosis leading to proper treatment.

Today there are many effective measures that can be used to improve the symptoms, and the survival, of patients with congestive heart failure.

Do You Know Your Currencies?

So this was a thought that we had. Trading needs the edge and often the line between winning and losing is fine. If we could better understand the relationships between currency pairs, then perhaps we could also understand how to de-risk our trading. So in this first of three articles we provide some simple analysis of the major currency pairs and what drives their movements. Something to digest and think about the next time you place a trade.

The Majors

EUR/USD
This is most traded currency pair on the market but among the majors pair, it tends to move the slowest. One thing to consider when trading EUR/USD is that it often negatively correlates with USD/CHF. Fire up a chart and have a look. Interestingly, moves in the USD/CHF often occur prior to the EUR/USD which can prove a useful indicator for trade entry. From a risk point of view when simultaneously placing a No Touch trade higher than the current EUR/USD spot price and a similar trade lower than the USD/CHF spot price, be aware that you are to some degree ‘backing the same horse.’

USD/JPY
The second largest of the traded pairs, the Japanese Yen tends to be seen as a defensive currency in times of crisis. Traders de-risking their positions will flock to the low yielding Yen during times of financial uncertainty. One interesting feature of the pair is its adherence to technicals level. Breakouts, when they occur, can often be longer and more sustained than in other pairs.

GBP/USD
The GBP/USD tends to correlate positively with the EUR/USD. This is largely due to the UK being a part of the Euro zone, with both economies having similarly aligned interest rates and trade economics. Of the two, the GBP/USD tends to exhibit more volatility which should be taken into account when trading this pair.

USD/CHF
As mentioned above, the USD/CHF operates inversely to the EUR/USD. Remember also that the Swiss Franc (CHF) is traditionally seen as providing lower risk and a relative safe haven for traders. So much like the Yen, during times of financial upheaval or international risk, the CHF is likely to gain. Movements in the pair are also often bolstered by stock market movements. Watch for big gains or losses on the DOW prior to movement in the pair.