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It is a very common question which often arises in our mind that does walking really helpful in natural weight loss. We will be surprised to know that just thirty minutes of quick walking everyday is very much beneficial for our health and also helps in rapid weight loss.

Walking is also helpful in other diseases like heart problems, diabetes, hypertension, depression, respiratory problems and back pain. While walking every muscle of our body moves and thus improves blood circulation. It also improves body metabolism. It keeps us refresh and mentally fit. It brings in good health accompanied by high self confidence and vigor.

Exercises also increase our physical work and therefore can be very beneficial in our weight loss programs. Exercises improve the tone and quality of muscle tissue and stimulate the processes of digestions, absorption, metabolism, and elimination. It strengthens blood vessels, lungs, and heart, resulting in improved transfer of oxygen to the cells and increased circulation. Dancing or rhythmic exercise is often an enjoyable way to exercise and lose weight, by toning the body. Stretching is a natural exercise that should be practiced on a regular basis, and is a good habit to develop. It can improve energy and endurance, stimulate circulation, and alleviate stiffness.

Other natural weight loss options are swimming, aerobics, cycling or playing soccer. The only key to loose weight is to increase our physical activities and improves metabolism. The best way to lose weight is doing activities or exercises that we enjoy and can have fun with.

So before anyone call us overweight or obese, we must make a habit of daily walking and doing exercises. In younger age it’s still easy to fight diseases and survive heart attacks. But health becomes vital as we grow old. So we must follow healthy food patterns; eat plenty of salads and fruits, increase carbohydrate intake and walk for an hour a day.

Disclaimer: This article is not meant to provide health advice and is for general information only. Always seek the insights of a qualified health professional before embarking on any health program.

Copyright © Nick Mutt, All Rights Reserved. If you want to use this article on your website or in your ezine, make all the urls (links) active.

Read more about Natural Weight Loss. Also know some effective Hair Loss Remedy. Visit Natural Cure Health Guide for easy and effective home treatment for common ailments.

This World that was sweat for many men
Has a perfect ending for those arduous years-
A realization that will crown their heads
The image already implanted therein-
Where layman or king cannot escape:
Eternal embodiment into the house of death
(Seventy-two deaths, death offers man)
Stern delight of one marvelous moment,
Where time stops and ages pile on top:
Meet behind a stone pyre aflame, and wait.

Solid stone silences, tongueless mouths
No sunset, no music, just fires abound-
The apprehensive voice of life is now gone.
Where will I go, cries a soul’s scalded echo:
To God’s house in heaven? Or Paradise
Some place in Hades, by a river of the same?
Or to the lake of fire, beyond Hell’s gates?
Or to the house of worms, or frozen cells?
Or to the Prison House for Angels
(In some far off galaxy-in the cosmos?)
Its agony-is redder than mankind’s blood,
For the faithless, now quicker to cry:
At this point, destruction hangs, intensifies.

Their dust on earth, has no breath, nor destiny-
Non-exempt from foreverness, immortality;
Thus, they wait, inimical, or favorable-
For those ancient words that will burn
In one magnificent magic moment, burn!
Silence in the breast of the world-its
Suddenness producing chaos in the mind,
Slowly, the pendulum swings its weight
Dazzled wings of angels at the gates-
Unleashed smoldering horizons wait-
(Oblivion lingers, under the heavens)
As both the good and evil halt…eyeballs
Looking for their overlords their God’s…!

#1784 4-7-2007

Note: Sometimes we simply get what we ask for on earth, thereafter, eternally. Thus, it can be regrettable.

See Dennis’ web site: http://dennissiluk.tripod.com

Obesity or over weight is a problem which is more often seen in the countries which are highly developed and modernized. The reason behind it is that people are today very much busy in making career and money instead of their fitness care and proper diet plan. With the advancement of technology, almost every work in their home as well as in offices is done through automatic machines or computers. So, it reduces their physical work. This is one of the main reasons why people are facing fitness problems.

So, the first thing which you must do is to change your lifestyle. This is very important for the long term success of your weight loss program. Unfortunately, it has now become fashion to take slimming pills or go for cellulite treatments to lose weight.

The results from such programs will never be permanent because your lifestyle would effortlessly put back all the weight. The very moment that these artificial weight loss programs are halted, weight will come rushing back. But when you change your lifestyle then the unhealthy food and weight gaining activities will be eliminated from your daily lives.

Another thing which you must do is to take at least a glass of water half an hour before meals for maintaining a healthy body. The water replenishes the fluids that will be used to make bicarbonate solution on the mucus membrane of our stomach lining. This protects the stomach from being burnt by its own acid fluid. Also a well hydrated body reduces the urge to drink unhealthy drinks which introduce more toxins to your body.

Also avoid sweetened drinks like soda, cola, diet cola, tea, coffee and beer. Eat green leafy vegetable and fruits rich in fiber. It will keep your digestive system fit and healthy. Do not take snacks, biscuits or any high calorie food stuffs.

Instead of taking weight loss pills, you must try some herbal supplement as they are free from any side-effects and are very effective and safe. Number of herbal weight loss supplements is available in the market. So it better to increase your physical activities through exercises and aerobics and taking natural herbal weight loss supplements than taking slimming pills or going for cellulite treatments.

Disclaimer: This article is not meant to provide health advice and is for general information only. Always seek the insights of a qualified health professional before embarking on any health program.

Copyright © Nick Mutt, All Rights Reserved. If you want to use this article on your website or in your ezine, make all the urls (links) active.

Read more about Natural Weight Loss. Also know some effective Hair Loss Remedy. Visit Natural Cure Health Guide for easy and effective home treatment for common ailments.

“NO MONEY DOWN!” “100% FINANCING!” “103% FINANCING”

Buyers love seeing and hearing those words. And why wouldn’t they? First-time buyers make up 40 percent of the home buying market. This is nearly half of all homes sold.

Consider this. There were just over seven million homes sold in 2005, not including new construction homes. This means that nearly THREE MILLION buyers bought their first home last year.

Marketing to this segment, if you are a real estate agent, is an absolute must! Of these first-time homebuyers more than four out of every 10 bought this home with no money down.

On average, first-time homebuyers put down less than 2%. Around 10 years ago, the average first-time homebuyer put down a little more than 10%.

I would say that nearly seven out of every 10 loans I do has 100% financing and it’s not just first-time homebuyers. However, most potential first-time buyers don’t even realize this option is available to them and that’s why this newsletter will focus on them.

The real estate market flourished over the last few years in large part to 100% financing for first-time homebuyers. Suddenly, buying a home is possible for nearly everyone. More first-time buyers have been able to enter the marketplace than ever before. Banks have become more liberal and lending standards have loosened. There are many, many ways to get 100% financing.

You can get 100% conventional financing with credit scores as low as 620 and a fairly recent bankruptcy.

You may be able to get a government loan with an even lower credit score. 100% financing is available for nearly every borrower. You can even buy a $2,000,000 home with no money down today. That’s two MILLION, not a typo at $200,000. Amazing, but true.

Many potential first-time homebuyers never think of buying a house because they don’t believe they have enough money for the down payment.

They’ve been told through the years that they need a 10-20% down payment to buy a home. Obviously, this simply isn’t true.

Let’s look at most of the 100% financing options:

1) 100% No Down Payment Programs.

These programs require the buyer to pay ordinary closing costs. These programs come in all varieties from 2, 3, 5, 7, and 10 year adjustable rate mortgages to 30 year fixed mortgages. All are usually available as interest-only too.

PROGRAM HIGHLIGHTS AND HOW DO I QUALIFY FOR THIS?
- 2.5%-3.5% of the total loan amount in cash required to pay closing costs and two month’s of your new loan payment in the bank for reserves.
- Stated income, stated assets and even No Doc is an option with decent credit.
- Plan on having a mid credit score of at least 660 if you cannot fully disclose your income to qualify.
- If you can fully disclose your income to qualify, your mid credit score can sometimes be as low as 580.
- These loans are designed for people who have some money for closing costs. You can qualify for this with credit scores as low as 580.

This is the most popular 100% financing option on my team.

2) 100% No Down Payment and Seller Pays Your Closing Costs.

The exact same loan program as #1, with all of the same loan program options above, but with a different twist. The seller pays all of the 2.5%-3.5% in closing costs. This is the way to go if your buyer has no money at all but fairly decent credit.

PROGRAM HIGHLIGHTS AND HOW DO I QUALIFY FOR THIS?
- The seller pays the 2.5%-3.5% of the total loan amount to pay closing costs.
- You are still usually required to show two month’s of your new loan payment in the bank for reserves.
- Stated income, stated assets and even No Doc is an option with decent credit.
- Plan on having a mid-score of at least 660 if you cannot go fully disclose your income to qualify.

- 580 mid credit score is usually the minimum required on full doc loans but plan on a much higher interest rate.
- These loans are designed for people who have no money for closing costs.

Nearly every loan program out there today allows for the seller to pay your closing costs. This means no money out of your pocket.

If you don’t have the necessary reserves or you don’t have the ability to get them, it is not a big deal, and you should still be able to get the loan. However, it’s important to notify your preferred lender of this immediately as this could change the availability of the loan program and likely your interest rate.

3) 103% Loan With No Down Payment, Little or No Closing Costs.

Maybe your seller refuses to pay for closing costs and your buyer has no money to close. Then 103% loan programs may be the way to go. This means the lender finances the closing costs as well. The requirements on this program are stricter and the options fewer.

PROGRAM HIGHLIGHTS AND HOW DO I QUALIFY FOR THIS?

- The lender pays the 2.5%-3.5% of the total loan amount to pay closing costs and ties this into your loan.
- You still may be required to show two month’s of your new loan payment in the bank for reserves.
- Stated income, stated assets and even No Doc is NOT usually an option regardless of your credit.
- Plan on having a mid-score of at least 620.
- These loans are designed for people who have no money for closing costs and the seller refuses to chip in.

The interest rates on these programs are higher and the program selection is more limited. If possible, it’s a better move to go for #1 or #2.

4) VA Loans

If you are a Veteran, VA loans require no money down and the seller can pay your closing costs. The rates are very good and the credit requirements are not very high.

PROGRAM HIGHLIGHTS AND HOW DO I QUALIFY FOR THIS?

- Must be a veteran in active duty, or honorably discharged.
- The seller usually pays the 2.5%-3.5% of the total loan amount to pay closing costs but the Veteran can pay too.
- Must fully disclose your income to qualify. You cannot go stated income or No Doc.
- You will not be required to show two month’s of your new loan payment in the bank for reserves.

- Stated income, stated assets and even No Doc is NOT an option regardless of your credit.
- Plan on having mid-score of at least 560 - 580 although there is no formal guideline on this.
- These loans are designed for Veterans only.

5) FHA Loans

This isn’t really a “No Money Down” option, however many first-time homebuyers have found that the FHA loan is one of the best alternatives when they don’t have much money to put down.

With an FHA loan, you could put down as little as 3%. FHA loans are easier to qualify for. If your credit is less-than-perfect, the rates on an FHA loan are usually far better than the sub-prime alternative that you may be facing. For example, if you have a 580 mid-credit score, your options may be FHA or a sub-prime loan. FHA would probably be cheaper for you.

Now, 3% may seem like a lot to come up with, but many people find that when they put their minds to it, it’s not that difficult. FHA allows this 3% to be gifted to you by a family member, employer, or even a charitable organization.

FHA loans do have very strict requirements and restrictions. Not all town homes and condos qualify, and there is a maximum loan amount you can get. You can check the FHA website at www.fha.gov for the lending limits in your area.

PROGRAM HIGHLIGHTS AND HOW DO I QUALIFY FOR THIS?
- You are responsible for the 2.5%-3.5% of the total loan amount to pay closing costs but the seller can pay too…all the way to 6%.
- Must fully disclose your income to qualify. You cannot go stated income or No Doc.
- You will not be required to show two month’s of your new loan payment in the bank for reserves.
- Stated income, stated assets and even No Doc is NOT an option regardless of your credit.
- Plan on having mid-score of at least 550 - 580 although there is no guideline on this, and you may be able to qualify with a lower score.
- If you are using a non occupying co-borrower or you have a roommate, renting a room from you, whose income you would like to help you qualify; this may be the best way to go.

Many other loan programs don’t allow you to consider these sources and do 100% financing.

6) Owner Financing
Owner financing means the owner (or seller) finances all or a portion of your home purchase.

For example, you might borrow 80% of the value of a home from a mortgage bank, and “borrow” the other 20% from the owner. In this situation, the owner “carries back” a second mortgage. Or he could carry 100% of it.

For the average homebuyer, owner financing is very difficult to find and requires some tricky negotiating. In my opinion, it’s generally a bad idea.

However, if your credit score prevents you from getting a 100% loan, this may be the only way to go. If you have successfully negotiated a deal where the seller carries the mortgage, you should contact a skilled attorney to protect all parties, especially you.

Sellers don’t usually want to carry loans for 30 years like mortgage companies do so plan on your seller-financed loan having a much higher interest rate than a mortgage company can offer you.

Also, plan on having a balloon payment of some kind. Two to five years is normal. This means you will have to pay the loan in full or refinance it with a mortgage lending institution at the end of the balloon period. If the seller goes into bankruptcy or has serious personal financial troubles and loses the house, you may be out as well, including all of the money you have in the property.

PROGRAM HIGHLIGHTS AND HOW DO I QUALIFY FOR THIS?
- Closing costs are usually minimal.
- No minimum credit score required…just an agreeable seller.
- No income disclosures are usually necessary.
- You will usually not be required to show two month’s of your new loan payment in the bank for reserves nor any other banking information.
- Risk is very high as you are not dealing with a trusted institutional lender.
- Plan on higher rates and unconventional terms.

You shouldn’t rule out owner financing if you have poor credit. Just keep in mind that by looking for someone who is willing to help finance your purchase, you severely limit your choices and there is a tremendous amount of risk involved. Protect yourself with strong professional advice from your real estate agent and an attorney.

9) Lease-To-Own
With the tremendous increase of homes in inventory, combined with few who can afford them because of the rapid increase in value, this option is becoming more and more popular.

With a lease-to-own, or a lease option, you lease a home, like normal, but make larger payments in order to begin accumulating a down payment. For example, if a house would normally lease for $1200, you might lease it for $1500/month, with $300/month going into a special “savings” account. At the end of a specified period, you buy the home using the money in that special account as your down payment. However, if you decide somewhere along the line not to purchase the home, all of the money in the special account then goes to the seller.

Think of this option as renting with a forced savings account. If you can find someone willing to do this, and your credit isn’t the best, it’s not a bad option. However, most people who are selling their homes need their money out of it in order to buy their next home, so finding someone who is willing to lease to you may prove more difficult.

Also, it’s important to keep in mind, your monthly rental payment will likely be far less than the mortgage will be when you go to purchase the home. This is because rental prices have come way down, due to the vast inventory, while rising interest rates and higher values mean a higher mortgage payment for the same home.

PROGRAM HIGHLIGHTS AND HOW DO I QUALIFY FOR THIS?
- Closing costs are usually minimal. Probably only a minimal security deposit.
- No minimum credit score required at the time of the lease option…just an agreeable seller. However, you will need to make sure your credit is good enough to exercise the option to buy the house at the time the lease period ends.
- No income disclosures are usually necessary.
- You will usually not be required to show two month’s of your new loan payment in the bank for reserves nor any other banking information.
- Risk is very high as you are not dealing with a trusted institutional lender.
- Plan on higher rates and unconventional terms.

100% FINANCING-NOT JUST FOR FIRST-TIMERS
100% financing is not just for first-time homebuyers. It’s for everyone and can be used to help you get more real estate business, especially in this tightening market.

I did a loan three years ago for Dave and Diane. They bought a beautiful $500,000 home…with no money down. The seller paid all of the closing costs.

Dave called me a few months ago to get pre-approved for a new home with a $1 million price. I was excited for them and asked him for the name of the agent he was working with so I could send the pre-approval letter over.

Dave said he didn’t have an agent yet. In fact, he didn’t even have the home picked out yet. He explained he was interviewing agents to list his current home, which he estimated was now worth $850,000. Once that home sold, he was planning on using his roughly $300,000 profit, after commissions, to put down on the new home.

A month later, he called and said he and Diane had found their dream home. It was $1 million, on the golf course, and was the listing of the agent who was representing his house as well. The agent had consulted with the seller of the $1 million home and they agreed to offer him a substantial discount if he would buy it and close within 30 days.

The problem was his original house hadn’t sold. “Aaron, we really want this house. If we don’t buy it now, I just know someone else will soon. What can we do?” We financed his new home…with no money down. The seller paid all of the closing costs. To make it even better for Dave and Diane, we structured the loan in such a way where he was not penalized, from an interest rate perspective, for having to make this tough decision.

We gave him a 70% first mortgage and a 30% second mortgage, as opposed to your traditional 80/20. This enabled him to get the best rate possible on a long-term first mortgage, with no need to ever have a costly refinance. The loan will eventually look the exact same as if he had sold his home prior to this acquisition. Dave and Diane were thrilled!!! When their home eventually sells, and it’s currently in escrow, they will simply pay off the second mortgage. They have the comfort of knowing they have a great first mortgage they can live with, in their dream home, for many years to come.

Aaron Gordon is a top-producing Senior Mortgage Consultant with Realty Mortgage Corporation in Las Vegas, NV. His monthly newsletter currently goes out to over 10,000 real estate agents and other professionals in the Las Vegas area. He helps over 200 families each year with their mortgage needs in many different states. He can be reached by email at aarong@realtymortgage.info or you can see more newsletters at http://www.aarongordon.net

The buying of options (rather than writing them) is the most popular way most new commodity traders start out. Little do they know that over time, their chance for success is 10% at best. The premium cost over a year is tremendous. Read about how the pros use commodity options and how you should too.

There are many ways to hold a speculative position in futures contracts and hedge yourself against unlimited risk. All methods will cost you something. The market is a wash and gives nothing away. It will reward you only if you uncover an advantage that the majority misses. You must use the proper trading vehicles and analysis to capitalize on these situations. The wild card is that the market and optimum tools are always changing.

I talk about the dangers of option buying from experience. Over the years, I’ve done well buying and selling futures contracts as well as other traders I know. But, except for a few tremendous gains when the market collapsed while holding put options, I’ve seen most traders lose consistently when straight buying options. This erosion happens even when the market forecast is correct. That is the most disheartening part - to have the move take place and the options erode in value. Unless you are expecting an unusually fast move in a short period of time, find a way to use futures contracts for the job.

Writing (selling) options is a good way to capitalize on this eroding asset. Again, there are no free lunches and it takes as much skill to make money writing options as it does trading futures contracts. Writing options also contains as much risk. This threat of risk is your reality check to make sure the market will pay you for your skills. Without taking on risk, you are an outsider trying to play a pro’s game.

Let’s not forget about the spreads when trading commodity options. Except for some very active financial markets, option bid and offer spreads are usually so wide you can drive a truck through them. The New York commodity option pit markets are notorious. An illiquid market is the problem with many commodity futures options.

Some trading is so thin you simply cannot get in or out without paying an outrageous price. After buying, try to sell it back minutes later and you might be down 30%. I’ve seen times when some option spreads have been one-bid to three-offered. Even 3/4 point is considered a good spread in some commodity option markets. Unless you follow a few rules to getting in and out, expect to pay. In defense, most financial commodity option markets are reasonably liquid and active.

When you add up the spreads in illiquid markets over a year’s trading, they can be many times more than the brokerage commissions you paid! These are expenses that may take you from profitable, to break-even, to even losing for the year. Many traders think that they can pay these expenses “just this time” and the trade will take off and make it all up. This attitude gets contagious in a wild commodity bull market as traders buy at any price.

Trading has to be viewed over a long series of trades. Some trades will be losers, some will be break-even and some will be winners. They must be all taken together. Calculate your expenses to arrive at one bottom line. If the best pros have a hard time scratching out 50%-100% gains per year with their low overhead and expertise, how can you expect to cover greatly higher option expenses and come out ahead?

In contrast, most futures contracts are very fair in their spreads since they are more liquid. For example, the e-mini futures contract, (currently priced at 1200) if scaled down to equal 120, has an equivalent bid/offer spread of about 1/40th of a point! Now that a fair and low entry-exit expense!

I simply want to make you aware of what you’re up against when buying options. Being aware is being prepared. You need to have skills, an edge, reasonable expenses, the proper trading vehicles and good advice to survive and prosper trading commodities. My advice is don’t get lazy and depend only on the false security of buying options. Learn to use these trading vehicles like a pros. Take on the risk of futures, option spreads and other strategies that require more experience. Take on the challenge to learn more about commodity trading strategies.

Read my free course lessons #26 and #29 to find useful information on using futures and option hedges to avoid these pitfalls. I hope this lesson will help to clear the fog, false hope and comfort of buying these eroding assets. You will discover there are much better vehicles and techniques for position trading.

Good Trading!

There is substantial risk of loss trading futures and options and may not be suitable for all types of investors. Only risk capital should be used.

Thomas Cathey - 27-year trading veteran heads the managed futures division of Thomas Capital Management, LLC. View his TimeLine Trading market predictions and get his complete 44+ lesson, “Thomas Commodity Trading Course” - they’re all free. http://www.thomascapitalmanagement.com/commodity/welcome.htm Main site: http://www.ThomasCapitalManagement.com

The buying of options (verses writing them) is the most popular way most new commodity traders start out. Little do they know that over time, their chance for success is 10% at best. The option premium cost over a year is tremendous. Read how most pros use commodity options and how you should too.

There are special times when options can be bought. There are special reasons too. I’ve seen good buys when sugar is wallowing at its lows around 4-5 cents. Buying a nine-month-out call option near the money costs only 20 basis points. These are the times to take notice and buy options assuming you have a forecast showing a good rally. (or decline)

Another good time to buy is simply when the option gets way undervalued from current market volatility conditions and you are looking for it to swing back to its volatility norm. Reverse everything mentioned above when buying put options. You want to see panic buying and short covering so that the put premiums are deflated, of course.

The market pays you for having skills that are better than the average trader. It also pays you for taking on risk. Buying a load of inflated options based on the crossover of a moving average and then sitting on them for a few months takes no skill at all! In addition, there is really no “unknown risk” being taken. Yes, you pay your option premium, but it’s really your bribe to the market to make you feel comfortable.

The option writer is the guy really taking on uncertain risk and is feeling uncomfortable. The market usually will favor him if only for that reason. A smart pro writing options will then lay off some of his risk by hedging some future contracts (or opposite side options) against the option write. How can he make money doing that? He locks in money because you were willing to pay a higher than normal option premium and/or were willing to buy at the offer price, giving him some spread and premium slush to work with.

It takes no skill to enter and maintain a position when buying a load of options. None at all. But entering a market with a futures contract and staying on-board requires sharp timing skills and a forecast that works out without a large adverse move against you. The good part is you have all the time in the world for the futures contract move to take place! No ticking clock eroding premium like an option. (there may be a small futures carrying charge when long, but it works for you when short)

Someone might say it’s a wash… the advantages outweigh the disadvantages. But I say if you are a skilled position trader, holding futures have a tremendous advantage over buying put and call options. Generally, beginners have few skills and pay the price by getting wiped out due to eroding option premiums.

Many brokers will encourage beginners to buy options because they are very low time maintenance and of little risk for them. The broker and client become cheerleaders cheering or gagging as they watch the news. Lots of “safe, no risk” entertainment for a few months. Maybe one or two out of ten trades work out. But the end result is always the same.

These traders eventually lose all their money to the option writers and simply fade away. Nice ride while it lasted. Next. Buying a load of options removes “responsibility” to the market. If you’re wrong, the account erodes slowly (or quickly) while you’re fat, happy and hoping for a miracle .

In contrast, if you’re sloppy entering a futures contract trade, you get booted out on your rear end within a day or two. There is instant feedback and pain. There’s hard work and risk servicing a group of futures trading clients. But that’s the price that must be paid for the chance for higher probability market success.

More advanced option buyers like to do “free” option trades where they buy two, and then sell one or two to take in some buffer cash. This is actually a decent idea and can reduce expenses or lock in some profits when the market chops or backs off after a rally. However, your upside potential is also reduced. No free lunches. See my free course lesson # 26 for more details on “free trades.”

Part Four of Four Parts - Next!

There is substantial risk of loss trading futures and options and may not be suitable for all types of investors. Only risk capital should be used.

Thomas Cathey - 27-year trading veteran heads the managed futures division of Thomas Capital Management, LLC. View his TimeLine Trading market predictions and get his complete 44+ lesson, “Thomas Commodity Trading Course” - they’re all free. http://www.thomascapitalmanagement.com/commodity/welcome.htm Main site: http://www.ThomasCapitalManagement.com

The buying of options (verses writing them) is the most popular way most new commodity traders start out. Little do they know that over time, their chance for success is 10% at best. The option premium cost over a year is tremendous. Read how most pros use commodity options and how you should too.

Let’s talk about the time advantage futures contracts have over options. If you bought a futures contract and the market went sideways for a full year, depending on the carrying charge differences between months, you could possibly break even on the year. But there is a chance of getting stopped out. So what? Get stopped out of the futures contract and then re-evaluate the situation. You most likely have most of your capital still intact and can always get back in. Or simply let the trade go and look for something better.

With options, many traders feel locked in after a loss and go down with the ship. They figure they have “limited” loss and the market may come back. Maybe, maybe not.

Successful futures traders with accounts under $20,000 are more likely to buy small lots - one or two futures contracts with loose stops. They will also consider buying an option as a HEDGE against unlimited risk. That’s the right reason to buy an option. (as well as selling (writing) them to collect the premium as they erode in time) Buying options to reduce the risk of a futures contract or naked option position for small, critical periods of time is the correct way.

Many new option buyers let their options erode to nothing once the market goes against them. Option premiums have a tendency to get slammed during adverse moves in percentages far greater than the underlying futures contact’s move. It’s not unusual to see an option get cut by 50% in one day while the futures contract has moved the equivalent of 10%. (this is the futures contact’s actual move times the margin leverage) Of course, an option can double in one day, which keeps the public hoping and buying more.

Some option buyers purchase options when “the cat is out of the bag” and pay greatly inflated premiums. This happens when dramatic news hits the market and the futures move sharply. But if the cash market then goes sideways, the futures contract prices stay intact, while the premiums in the options get sucked back out. Again, I’ve seen times where options have dropped 50% in value in a single day’s time, while the futures contract price went sideways.

The bottom line is that an option buyer is paying a huge price to avoid taking on “risk.” The professional option sellers taking the other side are the ones putting their hands in the fire and taking on the risk. The market pays us to add liquidity and take on risk. It penalizes us (through high option premiums in this case) when ducking risk and liquidity to feel comfortable.

Buying options for EVERY trading signal is the path to ruin. It cannot be done successfully over a long period of time because of this heavy premium expense load. There is a time to buy options when the market falls asleep. This happens near a major, dull bottom. They can also be a good value after a big correction market clean-out, or generally when nobody wants the option, for whatever reasons.

You must pick your spots carefully. Remember that to get the very best option buys you want the previous holders to be panicking and dumping them wholesale. Always wait for a selling panic to buy and a buying panic to sell on whatever time scale you trade. This gives you a great price cushion buffer in case you are wrong and need to dump the position later yourself! At these panic times, call option premiums can be so deflated that you can sometimes own an option (at or near the money) for a little more than the carrying charge cost of a futures contract. (That’s cheap!)

Part Three of Four Parts - Next!

There is substantial risk of loss trading futures and options and may not be suitable for all types of investors. Only risk capital should be used.

Thomas Cathey - 27-year trading veteran heads the managed futures division of Thomas Capital Management, LLC. View his TimeLine Trading market predictions and get his complete 44+ lesson, “Thomas Commodity Trading Course” - they’re all free. http://www.thomascapitalmanagement.com/commodity/welcome.htm Main site: http://www.ThomasCapitalManagement.com

There are lots of personal organizers available today. Many versions are now electronic and can communicate with your home computer. However, the easiest and most efficient is still the loose-leaf versions. Pen and paper can be changed and adapted to any style that works best for you. These also fit so conveniently in your lightweight luggage. Whether you need a yearly calendar, a daily calendar, a weekly or monthly, or one with times listed, it is available. You can add and remove, file and replace pages whenever you need with the handy loose-leaf style fillers. If you need address pages or notepaper in any conceivable color it is available.

There’s also “to do” lists, plain jot pads, and ruled or unruled notepaper. There is A to Z indexes, and blank colored subject indexes for sorting different categories. Calculators can be added to the ring-binder holder, as well as world political and time zones maps. For the super-organized, you can add birthday, anniversary and special occasion lists. There’s also room to add bank account and personal expense records. There are sticky notes that can be inserted to your organizer. Credit card holders and transparent envelopes for receipts will also fit into your binder. Maps are also available to fit your organizer. Whether you need the Chicago or New York or Boston map or a World map, it is available in the loose-leaf organizer format. Need to make long distance calls? There’s a map with time zones and one with area codes designed to fit the organizer.
For business trips, you can remove pages and take only what you need. It will easily fit into your lightweight luggage.

If you can imagine it, it has probably already been designed for one of these loose-leaf organizers. Magnifiers and mirrors are made to fit into the organizer. If you have a need to carry a checkbook, there’s a holder designed to fit. A portable hole-punch is even available so you can add any type of insert to the binder. For those that like to really plan ahead, there’s a one-year planner that fits the organizer. There are even CD and diskette holders designed for insertion. Because there are so many options available, these organizers make the perfect corporate gifts. They can be individually personalized or imprinted with a company name or logo. They never go out of style, and can be updated and changed at will because of the loose-leaf capability. There are many companies that create these organizers in a huge array of colors, styles, types and leathers. A few of the most popular brands are Filofax, Bosca, Vantaggio and Dilana. The books are available in exotic leathers as well as fabrics. Alligator skin in colors from red, to green and cognac as well as Ostrich are for the discriminating tastes. The ultimate luxury leather of lizard and soft touch lambskin are wonderful to touch. Soft-grained leathers in basic colors as well as the smooth leathers with suede inlays are classics that will never be out of style.

For the more stylish, there are elegant Italian leathers with stitching detail. These come in ever changing colors from camel to blues, cherry and chocolate. Grained leathers in eye-catching fashion colors are sure to please. There are styles with snap button closures and versions that zip-closed for extra security. Many of the brighter colored casual styles have an elastic band closure color coordinated to compliment the organizer. All of the models have room to slide a pen or pencil in a handy loop. For the younger set, there are fresh and modern print designs on heavy cotton twill-like fabrics. Bonded leathers come in striking geometric flower prints in high fashion colors ranging from fuchsia and orange combos to chocolate with pink, and red with pale blue. There are also contemporary fashion colors in Italian leather with tropical patterned fabric lining. Because you can add blank lined and unlined pages to your organizer at any time, it can be used as a journal which is perfect to pack with your travel accessories. It can also be used to take notes at a seminar or business meeting.

There are many sizes available in organizers. The loose-leaf system is available in the smallest to the largest model. The 2 5/8″ by 4 1/4″ will easily fit in the smallest purse or pocket. Remember you can add your personal touch and store the information that is important to the way you work. Take your time finding the right organizer for your particular lifestyle. Then decide the color and price range that best suits your needs. There are inexpensive fashionable fabrics and luxury leathers with everything in between to decide upon. Just as you would shop for your discount luggage or sale clothing, be choosey with your organizer. Because it will help to simplify your life, you will have it a long time and enjoy its benefits for years. They are also a great way to compare years, and are a handy reference tool for your new organized self.

Maxine Greco has worked in the luggage and travel industry for over 36 years. She is currently employed at Village Luggage & Gifts.

There are numbers of hair loss treatments available today but before starting any of them you should know the type of your hairs and other factors that may affect your treatment procedure.

Types of Hair

1. Normal Hair - It is non-greasy, looks silky & healthy and easy to manage.

2. Oily Hair - It comes with oily scalp. It needs to be washed and conditioned regularly. It attracts dust and dirt easily. This kind of hair can easily slip out of its follicle early. It makes hair look lanky even after a wash.

3. Dry Hair - It is difficult to maintain. It comes with dry, scaly scalp. It looks thin and rough and has more often than not split ends.

Hair loss treatment also depends on various factors like age, gender, medical background, life condition, genetics, and ability of handling stress.

Natural Ways to Handle Hair Loss

- Green vegetables, protein-rich foods like fish, milk, pulses, curd, and taking balanced diet prevents hair loss.
- Eat natural foods, fiber-rich vegetables.
- Avoid junk foods, dieting, stress, excess salt, alcohol, caffeine, and over cooked foods.
- Take herbal formulas for hair loss. This treatment involves the use different herbs like green tea, ginko, which is natural and safe.

Hair Loss Remedies

- Treat the fungal infection caused on scalp by using medicinal soaps and medicines recommended by doctors.
- Treat several diseases, like diabetics through yoga.
- Use natural hair loss shampoos and lotions for hair loss treatment.
- Try warm oil hair massage to stimulate hair growth.
- Also try to reduce stress from your life through yoga and meditation.

Before going for any treatments of hair loss, your self-awareness and mental stability is very important. Also your right approach for physician and information regarding treatment is a must.

Disclaimer: This article is not meant to provide health advice and is for general information only. Always seek the insights of a qualified health professional before embarking on any health program.

Copyright © Nick Mutt, All Rights Reserved. If you want to use this article on your website or in your ezine, make all the urls (links) active.

Read more about Hair Loss Remedy. Also know some effective Tips for Natural Weight Loss. Visit Natural Cure Health Guide for easy and effective home treatment for common ailments.

The buying of options (verses writing them) is the most popular way most new commodity traders start out. Little do they know that over time, their chance for success is 10% at best. The option premium cost over a year is tremendous. Read how most pros use commodity options and how you should too.

I am going to tell you some things about option buying that may save you a lot of money over your lifetime. This applies to both commodity and stock options. First of all, buying commodity options as a routine way to participate in a market’s price move for long term trading is a losing proposition over the long haul. In fact, it’s probably the leading cause for commodity trading failure by the public.

Most beginning speculative option buyers (and many brokers) wave the flag saying options have limited risk and you can only lose the money you put in. This is true. But at what cost? Paying a hefty option premium to the market for the privilege of holding it for several months is the price you pay. These premiums add up to a tremendous cost over time.

If you are in the market for a year, whether trading options in and out or holding long term option positions, the clock is always ticking and eroding those option premiums. There is a small window when commodity options are priced at good values and can be bought, but it is a tiny fraction of the time when markets get out of line and the historical volatility gets low. The majority of the time, long term option buying is a formula for failure.

In some cases, it may cost you 100% or more of your account value just to pay and maintain that eroding premium privilege for a full year. For example, it is common to pay about $1000 for a three month call option that is near the money. (near its strike price) If the futures market simply chops sideways, goes down or even rallies slightly, the option will expire worthless in three months. Do this three more times to cover a full year and you’ve spent $4,000 to simply hold ONE out-of-the-money call option for a year.

Multiply this times ten options and you’re talking some serious money paid to the “insurance man” so you can feel comfortable for a year. Bear in mind it is not necessary to have an adverse move against your position for the entire year for this to happen. Think about these statistics and realize that most commodity pros consider it a great year if they earn “just” 30% on their accounts - for the year!

How can one pay many times that cost in option premiums and come out ahead? In compaison, if you were holding futures contracts, they would have been near break-even at year’s end. That’s a tremendous difference to start with. Also remember that when buying options, a good win/loss ratio for a skilled long term trader is only about 10-20% accuracy. This is low but normal and requires huge gains on the winning trades. This win/loss method information is throughly discussed in my free course lessons #2 and #21.

There is a tendency for many option buyers to “load up” and buy way too many options for their account size. I’ve seen it over and over. Option buyers are very prone to feeling comfortable and becoming “boy plungers.” In contrast, serious futures contract traders are very aware of the potential risk and usually take extreme precautions by trading small for their account size. (small is always a good idea for survival - see free course lesson #28)

Remember that I am talking about the dangers of simply BUYING options and holding them. Selling options (writing them) or using them to hedge the risk of futures or using them in spreads to pay for an option buy position, can work well. To use options efficiently means spending the time to find the proper combination to lay off your risk while still participating in a chance for profit.

Part Two of Four Parts - Next!

There is substantial risk of loss trading futures and options and may not be suitable for all types of investors. Only risk capital should be used.

Thomas Cathey - 27-year trading veteran heads the managed futures division of Thomas Capital Management, LLC. View his TimeLine Trading market predictions and get his complete 44+ lesson, “Thomas Commodity Trading Course” - they’re all free. http://www.thomascapitalmanagement.com/commodity/welcome.htm Main site: http://www.ThomasCapitalManagement.com