You are not going to believe this, but the reason your trainer will insist vitamin supplements are useless is because that is what they learn at personal trainer school. I know this for a fact because I went to personal trainer school myself, only I had come from the wellness industry ... so there was no fooling me that vitamin supplements were useless. But for those in my class who didn't come from my background, the deal was sealed. They were totally brainwashed by our tutors into believing you can get all the nutrients you need for your body from food. In this article I'm going to discuss what went wrong with the food chain and why supplementation is absolutely critically important to your health and wellbeing.
The notion that supplementation is a big waste of money because the aging process is responsible for all wellness deficiencies and that all the nutrients your body needs can be obtained from your average food intake is false. The two major problems with the current food supply is that 61% of our population is overweight, and we aren't getting even the minimum amounts of basic nutrition for optimum health.
Back in 1948, 100 grams of spinach contained 158 milligrams of iron. That maximum had dropped to 27 milligrams by 1965. In 1973 it was averaging 2.2. Today, you would have to eat 75 bowls of spinach to get the amount of iron you would've got from one bowl of spinach back in 1948. Cobalt is needed to process vitamin B12. Vitamin B12 is needed for healthy red blood cells, but would you believe it if I told you that most of the vegetables that supply cobalt now test zero? That's how berserk the food chain has become. Most of the soil used to grow fruit and vegetable is very depleted. The end result is crops produced are invariably low in essential vitamins and minerals our bodies need for optimum health. You still think nutritional supplements are unnecessary and a total waste of money?
The dying cells in our internal and external organs need constant replacing with the help of necessary proteins, vitamins and minerals so that our immune system doesn't weaken to leave us vulnerable to sickness and disease. To insure good health, you need 20 essential amino acids, 14 essential minerals and 13 essential vitamins in your daily diet.
To avoid weight gain and poor health, you need to change the way you rely totally on food to fill the nutritional needs of your body--if good health is what you want. Consider cutting back--if not eliminating all together--processed foods. They do not contain the proper nutrients to maintain good health. Nada! Try not to purchase food based on price, taste and convenience. This is a sure fire way to kiss your health goodbye. Try to learn about healthy eating and supplementation. The information is out there, use it! One thing the educational system failed us is in teaching us nothing about nutrition. But it's never too late to learn. There's one more thing I have to add here, if you're going to buy supplements make sure they are naturally derived. Oh, and the next time your trainer tells you supplements are useless, ignore them. It isn't their fault. That is what they were taught at personal trainer school.
What Went Wrong Chords
Endowments are a dirty word amongst most homeowners! If you bought your home in the 80's or early 90's you probably took out an endowment policy as a way to repay the balance after 25 years. At the time, interest rates were in double figures and returns on most investments (including endowments) were spectacular, so an investment product that needed to make returns in excess of 10% a year in order to hit its target did not seem unreasonable.
Then interest rates (and investments returns) started to tumble and with that came the reality that many endowments would not hit their original target, leaving homeowners needing to find extra cash to repay their mortgages. With hindsight, with-profit endowments are simply the wrong option for saving towards a fixed target on a fixed date.
If you are concerned about your mortgage repayment, you can gain total peace of mind by switching to a repayment mortgage. Switching an existing mortgage while keeping your original endowment will mean increased monthly payments though, as each month, part of your loan will be repaid as well as the interest. One option to reduce costs would be to switch just part of your mortgage to a repayment whilst using the proceeds of your endowment when it matures to repay the rest.
Another option is to pay a lump sum off the loan at the time of switching. If cash isn't readily available for this then you might consider selling your endowment policy and paying the proceeds of the sale into your mortgage.
When you take away the need to hit a fixed target, with-profit endowment policies are actually low risk investments with a strong performance record and so there are plenty of investors who want to buy them and will pay more than the surrender value.
Then, to find out how much you could sell your endowment policy for, you can contact an endowment buyer - also called a market maker - who will give you a free quote to buy your policy, but before you do this you should consider your options.
If you do have the money to pay the fees, never forget that getting the opinion of an independent financial advisor is often a good plan; sometimes getting the opinion of more than one can prove to be even more of an advantage and can provide the sort of knowledge and expertise that could really help you to sell your endowments at the right price. The research and work could be done on your own, but many find it far less stressful and often a lot safer to seek the advice of professionals.
The most important thing to remember is that one has to think very carefully before taking action with their investments - take the time to research and consider everything before selling your endowment policy.
Both Anthony J. Namata & Derek Both are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Anthony J. Namata has sinced written about articles on various topics from Internet Marketing, Debt Reductions and Writing. Anthony J. Namata is a successful Internet Marketer and author of and his popular online journal. Anthony J. Namata's top article generates over 49500 views. to your Favourites.
Derek Both has sinced written about articles on various topics from Home Accessories, Customer Service and Family Travel. Policy Plus are endowment experts helping you get more money for your policies . offer a trusted and reliable service you know you can rely on.Submitted by. Derek Both's top article generates over 1500000 views. to your Favourites.
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