How To Beat The Mutual Fund Companies At Their Own Game}

Submitted by: Ulli G. Niemann

You’d have had to be living on a desert island with no TV, newspaper or internet connection to have missed hearing about the great mutual fund scandal of 2003.

The issue was that some mutual fund companies allowed certain hedge funds to engage in after-hours trading, sometimes incorrectly referred to as market timing. Unfortunately, some companies have used the confusion about the term “market timing” to further their own cause. How?

They have used this issue to pretty much ban all forms of trading their funds, and some companies are imposing hefty short-term redemption feespenalties for all intents and purposesin the name of avoiding impropriety. But the real idea behind it all is: Buy our fund and never sell it!

These companies advocate a stubborn Buy & Hold philosophy despite the devastating effects that approach had on investors portfolios during the recent bear market. Performance is immaterial to themthey want your money in their fund whether it’s going up or down.

With all of the negative press over the months you’d think that mutual fund companies would have cleaned up their act and started giving more consideration to the individual investor. Not so.

This was brought home to me when a fund manager of an $800 million mutual fund called me to see what my plans were in respect to holding our positions with his fund (about $2 million).

I explained my trend tracking methodology and he got very angry when he heard I would protect my clients’ accumulated profits by selling his fund if it were to drop 7% off its highs.

His blustering made it quite clear that he did not like anyone managing for the benefit of their clients; he only cared about what was best for him and his company.

So, what can you do to prevent being taken advantage of? For one thing, do what your mutual fund company does not what they tell you to do. Adopt a strategy for following trends, such as I do, and use the mutual fund mangers superior stock picking ability to your advantage by buying and holding only as long as the fund is performing well.

Remember, the fund manager has one big disadvantage over you: He always has to be invested so that the public can purchase shares in his fund. You dont!

If market conditions dictate that you are better off in the safety of a money market account because we are in a severe downtrend, then you can take your money and run for cover. He cant. He is constantly trying to adjust his portfolio to ever-changing economic conditions so that his potential losses are minimized. At the same time you are being told that his fund is the investment for all seasons. Dont fall for it!

You as an individual investor are really in the drivers seat. Unfortunately, you have probably been conditioned to think that Buy & Hope is a good investment strategy, when in fact it is a losing proposition.

Bottom line is, use a well performing mutual fund during strong up trends and get over to the sidelines during trend reversals. (That’s exactly what I did for my clients in October, 2001, and we retained the lion’s share of their profits while Buy & Holders kept insisting the emperor was wearing new clothes.) Pretty soon you will feel that you are in charge of your financial destiny and any chosen mutual fund is merely a tool to bring you closer to your goals of maximizing your gain and minimizing your losses.

About the Author: Ulli Niemann is an investment advisor and has been writing about objective, methodical approaches to investing for over 10 years. He eluded the bear market of 2000 and has helped countless people make better investment decisions. To find out more about his approach and his FREE Newsletter, please visit:

successful-investment.com

.

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2006 “Stolenwealth” Games to confront Commonwealth Games in Melbourne

Friday, March 3, 2006

The possibility of large-scale protests in the face of the 3,000 journalists covering the Melbourne 2006 Commonwealth Games, has event organisers and the Government worried.

The group “Black GST” – which represents Indigenous Genocide, Sovereignty and Treaty – are planning demonstrations at prominent Games events unless the Government agrees to a range of demands including an end to Aboriginal genocide, Aboriginal Sovereignty and the signing of a treaty.

The Black GST say they hope the focus of the world’s media will draw attention to the plight of indigenous Australians during the Games. Organisers say supporters are converging from across Australia and from overseas. Organisers say up to 20,000 people may take part in talks, rallies, colourful protests and many cultural festivities designed to pressure the Federal Government on Indigeneous rights issues. They want the Government to provide a temporary campsite for the supporters, saying “organised chaos was better than disorganised chaos.”

The 2006 Stolenwealth Games convergence, described by organisers as the “cultural festival of the 2006 Commonwealth Games,” was virtually opened on March 2nd with the launch of the official “Stolenwealth Games” website. Scoop Independent News and Perth Indymedia reported that the launch was held at Federation Square in Melbourne. The site contents were projected via wireless laptop by the Stolenwealth Games General Manager, and a tour of the website was given on the big screen. He said “overwhelming amusement was the response from the audience.” The group say permanent access points to the website are being set up at public internet facilities across Victoria during the coming weeks.

“Interest in the Stolenwealth Games is building all over the world and this fresh, exciting and contemporary site will draw in people from Stolenwealth Nations around the globe to find out about the latest news and events,” said a Stolenwealth Games spokesperson. “We have been getting many requests from around the world wanting to know about the Stolenwealth Games. We have provided many ways that individuals and organisations can support the campaign by spreading the word.”

The Victorian Traditional Owner Land Justice Group (VTOLJG) which represents the first nation groups of Victoria, has announced its support to boycott the 2006 Commonwealth Games until the Government “recognises Traditional Owner rights.” The group asserts that culture has been misappropriated in preparation for the Games.

Organisers of the campaign say they welcome the formal support from the Traditional Owners. “While some seek to divide and discredit Indigenous Australia, this support is further evidence that the Aboriginal people are united in opposition to the ongoing criminal genocide that is being perpetrated against the Aboriginal people” said Black GST supporter and Aboriginal Elder, Robbie Thorpe.

“We now have endorsement from the VTOLJG and the Aboriginal Tent Embassy for the aims and objectives of the Campaign and we are looking forward to hosting all indigenous and non-indigenous supporters from across Australia in March,” he said. The Black GST group have said “the convergence will be held as a peaceful, family-focussed demonstration against genocide, and for the restoration of sovereignty and the negotiations towards a Treaty.”

But the campaign has received flak in mainstream media, such as Melbourne’s Herald Sun, who wrote: “the proposal to allow BlackGST to set up an Aboriginal tent embassy at a site well away from the Commonwealth Games will be interpreted by some as the State Government caving in to a radical protest group. A major concern for the Government… is to protect the event from disruption… no chances should be taken…”

The Black GST has been planning the convergence for months, calling for Aboriginal people and their supporters to converge on Melbourne. The Melbourne-based Indigenous rights group have called on thousands of people concerned about the plight of indigenous Australians to converge on Melbourne during the Games, which they have dubbed “the Stolenwealth Games”. But the choice of Kings Domain has made conflict almost inevitable, as the area is one of the areas gazetted by the State Government as a “Games management zone”.

Under the Commonwealth Games Arrangements Act, any area gazetted as a management zone is subject to a range of specific laws – including bans on protesting, creating a disturbance and other activities. The protest bans will be in effect at different times and places, and offenders can be arrested. A spokeswoman for the Black GST, which advocates peaceful protest, said the site had been chosen because it was close to where the Queen will stay on March 15. “We figured that she is only in Melbourne for 27 hours or something like that so we thought we would make it easy for her to come next door and see us,” she said. “We are a very open, welcoming group, so she will be welcome to come and join us.”

Kings Domain is the burial site for 38 indigenous forefathers of Victoria. Black GST elder, Targan, said trade union groups have offered to install infrastructure at the site. The group initially worked with the State Government to find a suitable camp site, but the relationship broke down when the Government failed to meet a deadline imposed by the protesters. “While we are disappointed the ministers were not able to meet deadline on our request, we thank them for their constructive approach towards negotiations and the open-door policy exercised,” said Targan.

A spokesman for Games Minister Justin Madden said the Government was still investigating other sites. Victoria Police Games security commander Brendan Bannan said he was not convinced the Black GST represented the views of most indigenous people. “We are dealing with the Aboriginal community and they don’t seem to support it at all … the wider Aboriginal community don’t support disruption to the Games at all,” he said.

The Government was told that Black GST supporters would camp in Fitzroy Gardens and other city parks should it fail to nominate a site. A spokesman for Aboriginal Affairs Minister Gavan Jennings said the Government was taking the issue seriously, but had not been able to finalise a campsite before the deadline.

Under special Games laws, people protesting or causing a disturbance in “Games management zones” can be arrested and fined. While prominent public spaces such as Federation Square, Birrarung Marr, Albert Park and the Alexandra Gardens fall under the legislation, such tough anti-protest laws cannot be enforced in the nearby Fitzroy Gardens.

Games chairman Ron Walker has urged the group to choose another date for its protest march through the city, which is currently planned to coincide with the opening ceremony on March 15. The group believes that an opportunity to gain attention for indigenous issues was lost at the Sydney Olympics and has vowed to make a highly visible presence at the Games.

The Black GST said the Australian Aboriginal Tent Embassy’s sacred flame, burning over many years at the Canberra site will be carried to Melbourne before the Games, and its arrival would mark the opening of the protest camp from where a march will proceed to the MCG before the Opening Ceremony.

Black GST claims supporters from all over Australia, including three busloads from the West Australian Land Council, will gather in Melbourne during the Games for peaceful protests.

Aboriginal Affairs Minister Gavin Jennings had offered Victoria Park to the protesters. Victoria Park, former home of Collingwood Football Club, where one of the strongest statements of Aboriginal pride, when St Kilda star Nicky Winmar in 1993 raised his jumper and pointed to his bare chest after racial taunts from the Collingwood crowd.

Black GST, which has labelled the Games the Stolenwealth Games, said the State Government had failed to find a suitable venue. Black GST may encourage protesters to camp in prominent parks such as Fitzroy Gardens and Treasury Gardens. Graffiti supporting the action has also appeared in central Melbourne.

Melbourne City councillor Fraser Brindley has offered his home to the Black GST organisers. “I offered my home up to people who are organising visitors to come to the Games,” he said. Cr Brindley will be overseas when the Commonwealth Games are held and has offered the free accommodation at his flat at Parkville. He said he agreed with the protesters’ view that treaties needed to be signed with indigenous Australians. “I’m offering it up to the indigenous people who are coming to remind Her Majesty that her Empire took this land from them,” said Cr Brindlley. Nationals leader Peter Ryan said: “This extremist group has no part in the Australian community.” Melbourne councillor Peter Clarke said the actions were embarrassing and that he would try to discourage him. “It’s not in the spirit of the Games,” he said.

Aboriginal elder, Targan, said the possibility of securing Victoria Park was delightfully ironic. “There’s a lot of irony going on,” Targan, 53, a PhD student at Melbourne University, said. “GST stands for Genocide, Sovereignty and Treaty. We want the genocide of our people to stop; we want some sovereignty over traditional land, certainly how it is used, and we want a treaty with the government,” Targan said.

Retrieved from “https://en.wikinews.org/w/index.php?title=2006_%22Stolenwealth%22_Games_to_confront_Commonwealth_Games_in_Melbourne&oldid=2611696”

Las Vegas ‘chili finger’ woman has history of lawsuits

Story sources
  • Barbara Grady, Reuters. “Wendy’s Offer Reward Over Chilli Finger” — xtra msn, April 11, 2005
  • Dave Murphy and Ryan Kim. “Loyalists still visit the Wendy’s, Some even get the chili, although business is down” — San Francisco Chronicle, April 10, 2005
  • Dan Reed, Crystal Carreon. “Scrutiny intensifies for woman who found finger in chili” — AJC, April 10, 2005
  • Ken Ritter, AP. “Wendy’s finger finder has litigious history” — Las Vegas Review-Journal, April 9, 2005
  • Brandon Bailey and Rodney Foo. “Finger-finder involved in other claims” — San Jose Mercury News, April 9, 2005
  • Rachel Konrad, AP. “Woman who claimed to find finger at Wendy’s has litigious history” — San Jose Mercury News, April 8, 2005
  • Brian Haynes. “Chili investigation comes to Las Vegas” — Las Vegas Review-Journal, April 8, 2005

Monday, April 11, 2005

Anna Ayala, the Las Vegas woman who claims to have found the notorious “chili finger” at a Wendy’s outlet in San Jose, California, has filed lawsuits against other businesses, according to researchers at the Associated Press. Her previous court battles included the national El Pollo Loco chicken-chain, a previous employer, and even General Motors.

Ayala successfully won her suit for medical expenses against El Pollo Loco, after her daughter Genesis contracted salmonella poisoning from eating at the restaurant. However, Ayala lost another suit in 2000 claiming that a wheel fell off her car.

Ayala’s original account of the incident spoke “emotionally and with disgust” to the San Jose Mercury News when she described it to the paper.

“Lies, lies, lies, that’s all I am hearing. They should look at Wendy’s. What are they hiding? Why are we being victimized again and again?” Ayala recently told The Associated Press. Ayala is now in her Las Vegas home, avoiding reporters.

“It doesn’t prove anything,” family spokesman Ken Bono told the San Francisco Chronicle. “My mom has 10 lawsuits. A lot of people have lawsuits. Why would she sue for money? She has plenty of money,” he said.

Nick Muyo, a spokesman for the San Jose Police department, said not to expect new information in the case for at least a week.

“We just want to step back and take a deep breath,” Muyo told Knight Ridder Newspapers. “From a law enforcement point of view, once you establish it is a human finger, you have to wonder is this a case of industrial accident or is this a case of unreported homicide,” he said.

Las Vegas police searched Anna Ayala’s home on Wednesday, retrieving a cooler and other effects from her home, such as a makeup case.

Despite the incident, which has dramatically reduced sales at Northern California Wendy’s outlets, die-hard Wendy’s fans are still turning up for lunch, even at the outlet where the finger was found, at 1405 Monterey Highway, just south of downtown San Jose.

“We’ve eaten here for years,” a police officer told the San Francisco Chronicle under the condition that he remain anonymous. “They’re very nice people. When we work Spartan Stadium, we always eat here,” he said.

San Jose City Council candidate Andrew Diaz still eats the chili. And he witnessed the finger discovery.

“I walked away real slow,” Diaz told the San Francisco Chronicle. “I didn’t want any commotion,” he said.

Retrieved from “https://en.wikinews.org/w/index.php?title=Las_Vegas_%27chili_finger%27_woman_has_history_of_lawsuits&oldid=2262051”

Benefit Subsidies And Health Reform

Submitted by: Dennis Jarvis

healthsubsidy.net is wholly committed to helping you understand and maximize health subsidies that are available to you but there’s another component which although separate, is very important to those that may qualify for a health subsidy. The Health Subsidy which we describe in detail offsets the cost of health insurance premium (the amount you pay each month to keep the policy in force. Benefit Subsidies is something entirely different but equally important for those that qualify. Let’s understand how this works!

What exactly is the Benefit Subsidy?

Benefit Subsidies is exactly that…where health subsidies will offset your premium cost, benefit subsidies will offset your actual out of pocket for medical care itself. The ACA law stipulated that most people making under 400% of poverty would qualify for premium subsidies but they realized that even with insurance premium offsets, many people in the lowest margins (but higher than 150% of FPL who qualify for free Medicaid) would still have difficulties paying their out of pocket medical expenses. Even with a richer plan, the out of pocket maximum of $1000 (depending on plan, State, etc) would be hard for someone making 150% of poverty (roughly $16K annually). To compensate for this, they also devised benefit subsidies for people making between 150% and 250% of the Federal Poverty Level…the lower segment of range for those that qualify for the health subsidy. Let’s see how this works.

[youtube]http://www.youtube.com/watch?v=SzT2D0KTGfY[/youtube]

What are the different levels of Benefit Subsidy?

First, there may be different interpretations of how to actually implement this benefit subsidy. For example in California, they just announced that there would be multiple Silver health plans based on income (150%-200%, 200-250%, and standard Silver). The 200-250% plan has richer benefits than the Standard Silver (say for someone making between 250% and 400%). The 150%-200% plan will have richer benefits still than the 200%-250% plan. The difference in benefits are significant at each level so this benefit subsidy means real money for those most in need. Other States and the Federal Exchange might have different takes as well although California is usually out front on these benefit changes. There has been talk about a benefit plan upgrade in some circles. For example, you might pay for a Silver plan but get Gold benefits between 150%-200% of poverty and pay for a Silver and get Platinum benefits between 200%-250% of the Federal Poverty Level. Our health plan with subsidy Quote page will show you all the plans you are eligible for with the subsidy calculation built right in if you are eligible. This is the best way to view actual rates and benefits applicable to your situation. The rates are scheduled to be available Oct 1st, 2013 and after.

Qualification for Benefit Subsidy

The qualification for the benefit offsets mentioned above will be based on a prior look-back period. For example, the taxes filed for 2011 are expected to be the basis for 2014 qualification. We’re still awaiting rules on what happens if your income suddenly changes up or down (there’s a lot of that following the Great Recession with hirings, firings, and changes in hours worked). The expected result is that offsets to either premium or benefits will be recouped at time time following that year (for example, April 2015 for 2014 subsidies). This might pose a hardship to those affected negatively (say with increasing income which pushes them to a higher subsidy band or to no subsidy at all) and we’re still awaiting final rules on how this will work.

– See more at: http://www.healthsubsidy.net/Benefit_Subsidy_and_Health_Reform.html

About the Author: Dennis Jarvis is a licensed health insurance agent who focuses on helping people understand the new

health subsidy

available through Reform for healthcare. More info on

Benefit subsidy and health reform

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Australia appeals for no execution in Indonesian drug case

Thursday, April 7, 2005

A 27-year-old former beauty student from the Gold Coast of Australia faces the death penalty. She was allegedly caught at Bali airport importing marijuana from Australia in October. Appearing before an Indonesian judge after authorities found 4.1kg of high-grade cannabis in her unlocked boarding bag, she could be sentenced to death by firing squad, the maximum penalty for the crime.

With that possibility looming for Ms. Corby, her father journeyed to her side, and an anonymous email petition was distributed around Australia and overseas, calling on the Australian government to ensure that, innocent or guilty, Ms. Corby is returned to Australia to escape execution.

An Australian witness who volunteered information which he says will endanger his own life, has testified that Schapelle Corby was unwittingly caught up in a domestic Australian drug-running operation gone wrong. The man alleged that Australian airport workers had placed the contraband in her luggage after it had been checked-in, with the drugs to have been removed before the luggage left Australia. [1]

Ms. Corby, who says she is innocent of the charges, staggered and paused to vomit while being led through a throng of journalists watching her trial in Jakarta, Indonesia, earlier today.

“I’m really sick,” Ms. Corby told Densbar’s head judge Linton Sirait, who told her to take better care of herself in jail so she would not get diarrhea. “Don’t be stressed,” Judge Sirait added as he adjourned the trial until April 14.

Her sister said a doctor would visit her in prison to assess her condition. Her father, suffering with prostate cancer, said it was difficult to watch his daughter struggling so hard when things were nearing the “nitty-gritty now.”

Wikinews Australia has in-depth coverage of this issue: Schapelle Corby

He added: “The stress and the whole thing and the stomach cramps and the nerves. It’s getting on top of her.”

Australian politicians, noting the public support thrown behind the Gold Coast citizen, are promising to take her case up on several issues with the Indonesian Attorney-General later today. However, Mr. Corby expressed doubts that politicians could work things out: “It depends on what they call justice here [in Indonesia]. It looks a bit fairyland to me.”

“Everything’s reversed here. You’re guilty until you’re proven innocent,” commented Mr. Corby in Indonesia. Indonesian President Susilo Bambang Yudhoyono is said to be monitoring the case to ensure the court hands down a just and fair verdict.

Retrieved from “https://en.wikinews.org/w/index.php?title=Australia_appeals_for_no_execution_in_Indonesian_drug_case&oldid=2514326”

Annual rich list shows Ireland now has six billionaires

Sunday, April 3, 2005The annual Sunday Times Rich List published today showed that Ireland now has six euro billionaires, up from four last year. The combined wealth of Irelands 250 wealthiest is €42.3bn.

Topping the list was the new entrant Hilary Weston with a fortune estimated at over €7.2bn. Weston was excluded in previous lists because the majority of her wealth was made abroad, however a rule change this year allowed the Dublin born model to enter in first place. Mrs Weston, 63, grew up in Ireland and built her modeling career there before becoming wed to Galen Weston, heir to his grandfathers multi-billion euro retailing fortune in Canada. The couple permanently moved to Canada in 1983 after a kidnap attempt by the IRA.

The top six on the list were as follows:

  1. Hilary Weston and family; €7.286bn – Retailing
  2. Sir Tony O’Reilly; €1.897bn – Food, media and inheritance
  3. John Dorrance; €1.857bn – Inheritance
  4. Dermot Desmond; €1.239bn – Finance
  5. Sean Quinn; €1.157bn – Quarries, hotels, insurance and industry
  6. Tony Ryan; €1.114bn – Airline

The iconic rock group U2 placed 10th with a combined fortune of €629m.

Retrieved from “https://en.wikinews.org/w/index.php?title=Annual_rich_list_shows_Ireland_now_has_six_billionaires&oldid=433935”

France out-wit Spain 3-1 and clinch quarter-final spot

Tuesday, June 27, 2006

France came from a goal down to win their round of sixteen game 3-1 against Spain in Hanover, Tuesday.

File:Panorama AWD-Arenax.jpg

The win was a tactical triumph for the French coach Raymond Domenech whose team gave up 61 per cent of ball possession yet restricted their opponents to seven shots – two on target – and ran out three goal winners.

Nor did the French have many chances as for the majority of the game Spain patiently passed the ball around them. When they did have the ball they constantly pried at the Spanish offside line and therein found the weakness that lead to victory.

Though the French were offside eight times the crucial equaliser came from a Franck Ribéry run on to a Patrick Viera pass that beat the line of Spaniards close to half time. At speed Ribéry rounded Iker Casillas to slot home.

So solid were the French in defence intercepting passes, blocking shots and making tackles the only goal conceded – which put them behind – was from a penalty kick. This was slammed in low by David Villa on 27 minutes after Pablo had been clattered from behind by Liliam Thuram.

Ten minutes into the second half the score was at 1-1 but the French continued to test the Spanish offside trap. A worried Luis Aragonés brought on two substitutes and changed his system from 4-3-3 to 4-2-3-1. The Spanish defence sat closer to their penalty area so there was less room to pass balls behind them.

But still the Spanish line was caught on 82 minutes when Thierry Henry was fouled by Puyol as he attempted to connect with another through ball. Henry fell as if hit in the face by Puyol although this could not be confirmed with television evidence. Zinedine Zidane floated the resultant free kick into the box, there was an inadvertent flick on from a Spanish player and Viera nodded in at the far post off Sergio Ramos.

As the Spanish pressed for a last minute score the French broke through again, Zidane this time cut back to lose Puyol, and with the keeper off balance he reversed his shot to the near post to put the game out of reach.

So efficient was the French performance FIFA statisticians logged the team with just 19 minutes actual playing time. Brazil, who the French will play in the quarter-finals, too conceded the majority of possession in their game but in comparison beat Ghana 3-0 with 27 minutes actual playing time, Tuesday.

Retrieved from “https://en.wikinews.org/w/index.php?title=France_out-wit_Spain_3-1_and_clinch_quarter-final_spot&oldid=4415514”

Decorating Your Deck}

Decorating your Deck

by

nomaintenancedecksSubmitted by admin on Fri, 2013-05-03 12:12Your deck should be a private space to retreat, relax and/or entertain. The decor and furniture you decide to use will create the ambience but must also be both durable and comfortable. As the aim is a relaxing, informal atmosphere, you could opt for a very colorful color scheme or go all natural with cream, white and earthen tints.

Shade and Privacy

In order to truly enjoy your deck, there should be ample shade on those hot summer days. The type of shade you use will play a surprisingly big role in the overall look, so choose wisely.

If you are lucky enough to have a huge tree in your deck area, this alone could already provide enough shade and atmosphere. You could twist fairy lights around its stems and hang lanterns and other decorative objects (such as glass bottles) from its branches for an interesting effect.

For those on a tight budget, a plain outdoor umbrella is a must and you could customize it by painting it yourself, or add crystal beads to create an arty look.

If you are a minimalist, use plain, white canvas for shade and opt for white curtains for extra shade or privacy. If you, however, are a bit more Bohemian, use canvases or streamers in bright colors and plenty of scatter cushions.

The green fingered among us would do well to establish vines to cover the trellises. Using screens is also a good idea for extra privacy and decorative effect. You could either hang tea candles or pot plants for it, or opt for beautiful wrought iron or ornate hand carved screens that are already very decorative pieces.

Plants

Potted plants serve very well as extra decoration on your deck. They create a green space and nothing is as relaxing as nature itself. Paint ordinary terracotta pots in different bright colors for added effect.

Water Feature

A water fountain will bring sounds of tranquility to your deck and is a smart way to block out other noise. They come in all shapes and sizes, so you don’t even need a big deck to accommodate one. From a water garden to water circulating in a pot, a water feature is always soothing to both the eye and the ear.

Lights

Lighting is ever important to create an ambience in the evening and at night. Solar lighting is very cost effective and convenient. As the lights simply come on when it is dark, your deck would always be beautifully lit. Solar garden lights are also built to withstand all weather conditions. Lanterns are also very decorative; you could choose a traditional garden lantern, or use Chinese paper lanterns to shed a colorful but soft glow. Rope lights could be wound around your deck’s railings, overhead trellises or rafters.

Furniture

The furniture you choose to use on your deck will be a focal point and should complement your deck. It is also important that it is durable and wooden furniture should be treated regularly to keep it in a good condition. Wicker, wooden and steel sets with loose cushions is a popular choice for outdoor furniture. Furniture made from pallets is the latest craze, but for optimal comfort, beanbags are a good choice.

Timbertech Railing

, High Performance Decking, Low Maintenance Living, It’s Our Passion! For more info visit – http://www.nomaintenancedecks.com/timbertech-decking-railing/

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3 Conditions That Call For You To Oil Your Scalp

Submitted by: Danica Reynes

If you style your hair everyday, have under-active sebaceous glands, or dandruff, it is a good idea to use essential oil.

It’s true that hair can be your best feature, but in order for it to show you off well, you need to treat it and your scalp right. You can care for your scalp the natural way. Natural ingredients like essential oils are used to create the product that nurtures your skin the most. If you want your scalp and hair to be as healthy and beautiful as possible, consider using essential oils, such as Moroccan argan hair oil. This and a lot of other natural oils have inherent properties and vitamins that help nourish the scalp and promote its health. It is important that you know what your scalp s condition is so you can decide whether or not you need to apply oil on it and what kind you need to look for. Here are some tips you need to keep in mind while you decide whether or not you need to oil your scalp.

Your hair is stripped of essential nutrients and moisture when you constantly style your hair with hair coloring products and strong shampoos. Unhealthy hair practices, like over-shampooing, over-washing and under-conditioning, make the scalp unhealthy and cause hair to look dull. You may need to treat your scalp with some moisturizing and nourishment, especially if you style your hair regularly with various commercial hair treatment products. To stimulate the scalp and help it create more of its natural oils, massage it and use the proper essential oil. Moroccan oil – or Argan oil – is renowned for providing moisture for your scalp. Nourish your scalp with a natural oil rich in vitamins and antioxidants.

[youtube]http://www.youtube.com/watch?v=AgK29bHLLcU[/youtube]

Dry scalp with under-active sebaceous glands

Dry scalps are usually the symptoms of sebaceous glands that are not producing enough oil. Stimulating scalp oil is done by applying oils from lemon, tea trees, myrrh, coconut, or olive oil. When you oil your scalp with these oils, the pores get activated and produce more lubricant of their own. If you enjoy spending time outside you may want to try Camellia oil. Scalp dryness can be exacerbated by exposure to the sun, however, camellia oil, with rich stores of vitamin E, also contains properties of a natural sunscreen.

Scalps affected by dandruff There are many different things that can cause dandruff. Selecting the kind of essential oil that’s appropriate for your head is dependent upon the cause of your dilemma with dandruff. Dandruff may be caused by a yeast-like fungus found on the scalp that thrives on the natural oils found in it. Tea tree oil is ideal for cases like this. A dry, flaky scalp can cause dandruff, as well. To combat this, you can try the essential oils from sandalwood, myrrh or chamomile.

Take good care of your health and looks with essential oils. You need to know what oil will work for you. For more information on the benefits of natural oils for the scalp and how you can treat your hair and scalp with.

About the Author: For more information on the benefits of natural oils for the scalp and how you can treat your hair and scalp with

Moroccan argan hair oil

, check out Argan Oil Shop online at

arganoilshop.com/

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Controversial medical center demolished in Buffalo, New York

Saturday, May 26, 2007

A medical center, once the site of intense controversy over abortion in the 1990s, which has been vacant for nearly 10 years, was imploded in Buffalo, New York at 6:00 a.m. [eastern time] today.

Several streets in about a 2 block radius were shut down until the implosion occurred and the dust settled. At least 200 people watched in nearby parking lots and on rooftops of buildings to get a good look at the implosion.

The ground and the walls of buildings shook as the dynamite detonated and a brief shock wave could be felt as far as 1 1/2 blocks away. Witnesses even reported small pieces of bricks and concrete falling out of some buildings, but no one was injured.

The building, owned by Kaleida Health, once housed several medical offices, including an abortion clinic. Hundreds of people protested about the abortions outside the center during the Spring of Life Movement in 1992, but other medical procedures and treatments were also part of the center’s services. It was built in 1965 and was 14 floors tall.

Kaleida Health had the building imploded so that the current Buffalo Niagara Medical Campus can be expanded. Several other major medical facilities are also in the same area including Roswell Cancer Institute and Buffalo General Hospital.

“This implosion of 50 High Street will continue the explosion of growth on the Buffalo Niagara Medical Campus. This event will ensure future opportunity for investment, development and growth,” said the CEO and President of Kaleida Health in a statement on Thursday.

==Sources==

This article features first-hand journalism by Wikinews members. See the collaboration page for more details.
This article features first-hand journalism by Wikinews members. See the collaboration page for more details.
  • Melinda Miller & Sharon Linstedt. “Onlookers watch from rooftops as 50 High St. implodes” — Buffalo News, May 26, 2007
  • “50 High Street Gone in a Flash” — WGRZ, May 26, 2007
  • “Medical campus building to go boom” — MSN Money, May 24, 2007
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