Hands-Only CPR: When and How to Do It

I’m frequently asked if giving breaths has been eliminated from CPR now that the CPR guidelines have been updated. The simple answer is no, the breaths are still instructed in traditional CPR classes. However, there has been a big push, especially by the American Heart Association, to teach a version of CPR without breaths. This approach is often called “hands-only CPR”.

In short, hands-only CPR is fast, deep compressions on a victim’s chest. If someone doesn’t respond to your efforts to wake them, and their breathing is irregular or they aren’t breathing, you push straight down on an adult’s chest at least 2 inches at a rate of at least 100 compressions a minute. This is a skill you need to practice with an instructor on a manikin, so I’m not going to go into further detail on how to perform this skill.

Hands-only CPR has many advantages over traditional CPR: it’s simple to do, it reduces the risk of disease   transmission  while doing CPR, and research shows it’s as effective or more effective when used appropriately.

Hands-only CPR is an acceptable approach when you witness someone suddenly collapse. If this is an adult, it’s probably because of cardiac arrest (a heart attack). The victim still has several minutes of oxygen in their blood because they were breathing moments before they collapsed. The goal of hands-only CPR is to circulate that oxygenated blood throughout their body. By continually compressing their chest, you are literally squeezing blood through their heart so it reaches the brain and organs. Those compressions will buy the victim valuable minutes until emergency medical personnel arrive.

However, hands-only CPR isn’t always the best approach. If the victim has become unconscious and isn’t breathing normally because of an airway emergency, they need CPR with breaths. Asthma, severe allergies, choking, drowning and suffocation are all examples of airway emergencies that can lead to a victim who is unconscious and not breathing normally. Because these victims are lacking oxygen, they need rescue breaths, along with chest compressions.

Children and infants usually have healthy, strong hearts so if they become unconscious, the cause is usually not cardiac related. Most likely they are suffering from an airway emergency. This is why every parent who takes a CPR class should learn to do CPR with breaths. Unless a CPR class says it’s a hand-only class, all American Red Cross and American Heart Association CPR classes will teach you how to give rescue breaths along with compressions.

Spyware, Viruses, Malware, Worms, Trojan Horses, and Adware: Symptoms, Solutions, and Prevention

Virus:

A Virus or Computer Virus is a self-replicating program or piece of script or code that make copies of itself and then either attaches itself to an existing file on the infected system or store copies of itself on the system with innocuous sounding names like ‘repair tool’.

The virus is limited to spread itself only by either being transmitted or sent by an unwitting user or carried on a portable storage medium from one system to another. However, if a virus gets embedded somewhere on a network drive then anyone who opens or clicks on the infected document or file can end up getting infected as well.

Spyware:

Spyware is software that gathers information about a users Internet habits, browsing patterns, email passwords, usernames and even credit card information, in essence, ‘spying’ on the hapless user. This type of software usually gets installed without the knowledge of the user and can transmit the collected data to a third party over the Internet secretly as well.

Malware:

Malware can refer to any number of malicious forms of software or code that has been intentionally designed to perform one or more of the following malicious acts:

> Infiltrate a users computer system without their consent.

> Gather sensitive personal information such as credit card numbers, social security numbers, birth dates, or system passwords.

> Create back doors or remote entry points to allow hackers access to the system.

> The destruction of critical data and/or corruption of system files.

Malware is a general term and is commonly used to include, Viruses, Worms, Spyware, Trojan Horses, and some forms of Adware. The actual intention of malware can vary but by definition it is any software that is destructive by nature. Because the term Malware is so broad it is hard to cite one specific source for the most infections.

Worm:

A Worm or Computer Worm is a self-replicating piece of computer code that uses a computer network to spread copies of itself to the other nodes on the network. Unlike the Virus a Worm can accomplish this without any intervention or help from the user. Also unlike a Computer Virus the Worm does not have to attach itself to an existing computer program or file.

Many times a Worm will also be used to carry a ‘payload’. The ‘payload’ is code that is designed to perform some specific function. In some cases the payload allows the Worm to send documents through the email accounts of the infected system attaching itself and its payload to the email as an attachment. When the unsuspecting recipient of the email opens the attachment the process starts again.

Trojan Horse:

A Trojan or Trojan Horse Virus is a program that usually gets downloaded installed and executed on a computer system which then appears to be performing some useful function but is unknowingly allowing unauthorized access to the user’s computer system at the same time.

Hackers use Trojans to gain access to a user’s computer remotely and then perform any number of malicious activities. These nefarious activities can include but certainly are not limited to:

> Data Theft.

> Keystroke Logging.

> Downloading or Uploading Files.

> Viewing the Victims Screen.

> Crashing the Users System.

Adware:

Adware is advertiser supported software that displays, plays or downloads advertisements either onto the computer desktop or into the computers web browser as a condition of the software installation. Most Adware is free to use as long as you don’t mind annoying pop-up windows appearing at random intervals advertising some product or another. I have seen some Adware that opened a new window about every 1 to 2 minutes, making it nearly impossible to use the system at all until the software had to be removed.

Additionally, Adware will almost always be collecting data about your Internet habits and browsing behavior to tailor ads specifically to best match the data recovered. In that respect it is actually very similar to many types of Spyware. In most cases Adware is simply a way to place advertisements in the face of the user although it’s a fine line before you could also classify it as Spyware.

With Adware however, in some cases you may actually be given a chance to review and choose whether or not to accept the terms and conditions associated with the software before installing it.

IT WOULD BE ADVISABLE TO READ THESE TERMS VERY CAREFULLY BEFORE CHOOSING TO ACCEPT.

Symptoms of Infection:

> Very sluggish computer performance.

> Random system lockups or crashes.

> Browser redirection – you are taken to websites you were not searching for while browsing the Internet.

> Excessive number of popup windows appearing at random while surfing the Internet.

> You are informed that your system has ‘hundreds’ of active infections and you are redirected to a website that insists you pay for and download their specific software package to remove the infections.

Solution:

There are many good anti-virus / anti-spyware products on the market designed to detect and remove these types of infections. McAfee and Kapersky are good but AVG and Avast! have similar products and offer a free downloadable version. Be sure to complete a ‘Full’ system scan and quarantine and remove all active infections. Configure your anti-virus software to perform ‘active’ scanning or real-time system monitoring.

Prevention:

> Do not install software you have downloaded from the Internet unless it has come from a known, reliable source.

> Use caution if using file sharing platforms such as LimeWire or torrent sites to download files.

> Do not open any email attachments from unknown sources.

> Use a good anti-virus/anti-spyware application and scan your system at least weekly. Be sure your anti-virus software is totally up to date with the latest virus definitions.

> For Windows users: Be sure to visit the Microsoft update site and download all the latest Microsoft security patches.

Packeteer PacketShaper

Wide-area networking and the Internet are becoming more and more reliable, to support strategic objectives. This has restructured the way businesses work, and even in some cases stay afloat. Today companies are faced with more applications, more users, and more desktop power, but with less visibility, control, and predictability. With unprecedented network demands and without the ability to control how they effect your business. PacketShaper can assist you in controlling and enhancing the performance of your WAN. PacketShaper continues providing visibility and control across your WAN, to enhance the application monitoring and performance for any user, in any location, throughout networks of enterprises spread around. Depending on the speed of the network links it will manage, this device comes in a wide range of levels to suit. The lowest entry level box is for a 128k line with the high-end box being able to monitor and manage a 1 Gigabit link.

The PacketShaper traffic shaping technology enables the administrator to resolve WAN and Internet performance problems that effect networks. By actively preventing network congestion, shaping controls application performance and bandwidth consumption. Administrators can achieve more important tasks in lesser time, with fewer performance-related complaints and a higher Quality of Service (QoS) for all networked users. With PacketShaper, the never-ending cycle of bandwidth upgrades is a thing of the past. PacketShaper optimizes application throughput throughout your current network infrastructure.

PacketShaper is simple to configure and comes with basic step-by-step instructions comprising such things as passwords, IP addresses and connection speeds etc. Initial physical installation is extremely easy, and once the PacketShaper is on the network it can accessed through a web browser and can be configured on of two ways: by a normal http connection or a secure http connection.

Internal attacks from worm infections, unauthorized recreational traffic and rogue servers can severely impact network capacity and bring down critical applications but PacketShaper assists in recognising when PCs are infected or unauthorized traffic is passing through the network, and also protects the performance of crucial applications. PacketShaper alsoprotects the performance of the network during attack-all while providing hard ROI from bandwidth savings, enhanced WAN capabilities and accelerated application performance. An additional effective function of the PacketShaper is its graphing abilities. It is simple to locate older data from the ‘straight out of the box’ system. Clear and simplified graphs are presented in the form of either line graphs or pie charts, though it is possible for this data to be shown as raw data if required, which makes it easy to export it to other programs. Installation of IP Telephony (IPT) and Voice/Video over IP (VoIP) vary from company to company and its employees, effecting every network in a different way. A successful implementation depends on guaranteed bandwidth and QoS, and also fitting more calls onto a restricted WAN resource.

PacketShaper efficiently controls vital IPT protocols, providing WAN capacity and true QoS functionality to guarantee the highest quality end-to-end communication for each call. It makes sense to unite servers from remote sites to centralized data centers, although the additional traffic loads call for precise classification, monitoring and shaping before any advantages can be appreciated. PacketShaper detects and controls common traffic-including CIFS, VoIP, CRM, Web and P2P-while also tracking Microsoft’s underlying CIFS changes in R2. MPLS and IP VPNs are beneficial for relating distributed locations, but advantages cannot be noticed if applications are oversubscribed, traffic stalls in bottlenecks and critical applications are inappropriately designated to best-effort classes. PacketShaper carries on the MPLS promise, weighing up performance, detecting and marking application traffic with special handling requirements so traffic can move freely to the enterprise edge. This system is integrated in a single appliance with multiple software choices that deliver:

  • Control over application performance and network utilization.
  • Visibility into application performance and network utilization.
  • Compression to accelerate performance and increase WAN capacity.
  • Centralized management of performance analysis, reporting, and policy administration for large Packeteer deployments.

The Packeteer PacketShaper is an architected bandwidth management device that is incredibly useful and at the same time simple . It delivers an easy and user friendly interface that can be advantageous to any organisation from low-end, to expert users. With minimal configuration, PacketShaper will become a crucial tool in keeping the network secure and also managing bandwidth.

The Opposition of Emotionally Colored and Emotionally Neutral Vocabulary

A tendency to judge that speech is only an instrument for making statements is rather primitive. Some people forget that there are a lot of different possibilities. The way we speak also expresses our emotions, attitude to people interrelations between the audience and the speaker.

Sometimes it is necessary to guide people, to warn them or to show somebody’s disapproval or approval or to make your speech sound more enthusiastic or encouraging. We should take all these into consideration while investigating the lexical meaning of words. Using such terms as “emotive” or “expressive”; “affective” or “evaluative”, some people think they are synonyms, for example, that an emotive word is of necessity also a stylistically colored word, or considering all stylistically colored words as emotional. But that is not the case.

So, let us agree that so-called emotive speech is any utterance expressing different human emotions. It is easy to find in speech a great number of syntactical, lexical and intonational peculiarities. Thus, by lexical peculiarities I mean special, emotionally colored words. The emotional coloring of the word may be occasional or permanent. Let us focus on the second. Lexical units acquire their emotional coloring, in other words, their affective connotation, in emotional contexts of particular situations.

The most common type of emotional words, as it seems to me, are interjections. The fact is that they express a lot of emotions without naming them: Ouch! My! Boy! Heaven! Wow! Ah! etc. The interjections may be derived from other parts of speech or be primary interjections. For example, if you describe something as a “drag”, what do you mean? It is boring, too difficult or physically exhausting? Certainly, something that is annoying or boring. We can find a lot of emotional words in everyday small talks or in the literature: ” I love Sibyl Vane. I want to place her on a pedestal of gold, and to see the world worship the woman who is mine. What is marriage? An irrevocable vow. You mock at it for that. Ah! don’t mock.” ( Oscar Wild “The Picture of Dorian Gray” Moscow Progress Publishers 1979 Volume One, page 170)

To express irritation, mockery or any other emotions the speech should possess some special traits, that would show the audience that the speaker’s emotions are very strong. The traditional word order is not used in such cases, but one can obviously find the inversion. More to that, very interesting and vivid examples of echo-conversations can be found in everyday spoken speech. Sometimes it sounds really amusing: “Why should I… ?” – “Stop why-should-I-ing!” or “Oh, come on!”- “Don’t come-on-me!” These are examples of mockery back-chat. It is funny to find brand new words like “why-should-I-ing” invented by the speaker in the moment of utter irritation. This type of emotional speech is definitely increasing in the speech of young people today, as the native speakers assume.

The emotionally colored words are opposed to the emotionally neutral ones. These words actually express notions (It is the so-called nominating function) but they fail to express the speaker’s emotions or his attitude towards people or the speaker’s mood. However, sometimes it is very difficult to tell the sets as they are not very distinguishing, there are a lot of mixed cases. Some of them may possess traits that belong to both. Many words are definitely neutral in their primary, direct meaning but absolutely emotional in the certain conversation under the conditions of the context.

Another group of words may be called “evaluator-words” which contrasts in speech to the neutral words. These words, while we use them in the sentences, can not only show the presence of emotions but identify or specify them.

Just to sum up what have been mentioned I would like to underline that emphatic and emotional words do not show emotions by themselves but impact these to the whole utterance in the combination with syntactic and intonational means.

Hansens Lepresy

Since the beginning of time, Hansen’s disease has been recognized as a problem. Reported in Egypt in as early as 1350 BC, Lepresy is the oldest disease known to man; this is according to the Guinness World Records. Frequently, Lepers have lived outside of society. This is partly due to the fact that for a long time the disease was believed to have been caused by a divine, often times associated with demons, curse or punishment. This idea changed in the middle ages, when people started to believe that lepers are loved by God, and that it is humans that have cursed them

Another reason for secluding the Lepers what that in the past it was believed that leprosy was highly contagious. If was even taken to the extent that leprosy could be spread by the glance of a leper or an unseen leper standing upwind of healthy people. Today we know that the disease is much less contagious than we once believed in the past. Lepresy is caused by a mycobacterium that will multiply at a very slow rate. The disease mainly affects the skin, nerves, and mucous membranes. The organism has never been grown in cell culture, because of the difficulty that is involved with doing so. This difficulty is as a result of the fact that the organism is an obligate intra-cellular parasite. This means that it lacks many necessary genes for independent survival. This is also evident and provides proof for it having such a slow rate of replication.

Uncertain today, is the method of   transmission  of Hansen’s disease. Many people believe that it is spread person to person in respiratory droplets. What we do know though, is that most of the population is naturally immune to the disease. The disease is chronic, and often times patients are classified as having paucibacillary, which is a form of multibacillary Hansen’s disease.

The “Worthy” Poor VS The “Unworthy” Poor

In American Society, we have divided the poor into two classes, the “worthy” poor and the “unworthy” poor. The “worthy” poor are those we feel are worth being on state/federal aid and do not complain about assisting. The “unworthy” poor are those are receive aid as well but for some reason society feels they could take care of themselves and not depend on the aid.

Society feels that those in the “unworthy” class are capable of providing for themselves financially. The reason being that most of the people who fall into this class are younger then the people who fall into the “worthy” class. Many who fall into the “worthy class” are the elderly who are beyond working age, and find it hard to support their selves without some form of a fixed income.

Although the majority of the “worthy” class is made up of the elderly, there are certain situations where the “worthy” class also includes some of a younger generation. Many of those come from the deeply impoverished corners of the United States Society. Many don’t have a chance of surviving and living a better life then they are being given unless the someone, whether it be the government or a small organization, step up and find some way to show them the way to improve themselves.

There are a few such organizations and federal programs in place already, but there are not nearly enough to tackle the large need that we have for the issue. Many people feel that even though they fall into the “worthy” category, they are still not worth wasting time, resources, and money on to educate towards a better life. Many look down on those who need aid regardless of the situation and feel the same about them. They think that they are children, and as they grow they will learn and they will make something better of themselves. Unfortunately, this is not true. As they grow up in a poverished lifestyle they will learn from what they are surrounded with. They will grow up and realize it isn’t so bad to be where they are, because they have not had anyone show them that there is a different way in life.

As American’s, we are a large extended family. Everyone is supposed to look out for their family and protect them. I do not know why no one is protecting the children of these “unworthy” groups and showing them the way to better themselves and enrich their lives. It is going to take more then giving their family a few hundred dollars a month in food stamps and other aid to teach these children how to succeed in life. It is going to take educating them. Not only do these children need to be shown the way, but their parents/parent as well need to be educated on how to enrich not only their lives but their children’s lives as well. It is a two step process, and it is time as a society we step up and start making it a reality instead of a vision. With a little hard work I honestly believe that poverty in the US could be helped dramatically by just a few nice neighbors holding out their hands and showing that they are willing to assist.

Why School Identification Cards Are Important

Most schools around the nation have started using school identification cards. This is for schools all the way from elementary schools to Universities. There are several reasons why they started using these identification cards. In this article we will tell you why school identifications cards are so important.

The main reason is for safety reasons. We have heard many stories how someone has went into a school and started shooting. We have heard stories of how children were kidnapped from schools. They had to come up with a system that would work to keep people out of the schools that did not belong there. This is where school identification cards came in. This has helped in a couple ways. One, if each student has an identification card then they can prove right away that they belong in that school. A lot of schools have even incorporated someone at the doors to check ID’s as they enter.

Also if someone visits a school they have to check in at the desk and receive a temporary identification card. A lot of times they will even take a person’s picture. This allows the school to know who is in the school and make sure they are there for a legitimate reason.

School identification cards for students are also useful to them because if provides them with options. They can use the cards to check out library books. They can use the cards for the lunch room. When a student pays for their lunch for the week or for the month it will be added to their card and they just slide their card each day to eat. It saves from a student having to carry money on them each day or a lunch worker having to keep track of who they have money for and who they do not.

The school id cards also can be used for the reward or the revoking of privileges. All of this can be kept on the card. Back to the library, a lot of schools give rewards to children for having read so many books. This information can be kept on the ID cards. They can scan the library card and know exactly how many books and what kind a child checked out.

These identification cards differ from school to school. Some just use a single edge card. Some are double edge and have an encoder incorporated in them. These are becoming more and more popular because they can be used for a lot more reasons.

As you can see the school IDs are very important to our schools today. They not only go a long way in keeping our children safe they also make it a more efficient way to run the schools. These school identification cards have been around for a while. They have just become more sophisticated with the advent of technology. They have come up with more and more ways that identification cards can be used to the school and the student’s advantage.

Myths About MRSA Infections

MRSA Myth #1: Methicillin Resistant Staph Aureus is a new Problem

This is simply not true. MRSA has been it a problem in the hospital environment for years. Microbial resistance first showed up shortly after the introduction of penicillin into mass use. The medical community has had a problem with resistant bacteria for a long time and it has known about it. Every hospital in the US has an Infection Control Coordinator whose job it is to monitor infection rates in these institutions. The MRSA antibiotic susceptibility rates (along with those of other known super bugs) are monitored with incredible accuracy because the hospital must know when an antibiotic isn’t working. It is important for an hospital to know when their antibiotic formulary choices are no longer effective.

MRSA Myth #2: MRSA Infections are not Deadly

If not identified quickly and treated appropriately, death from MRSA infection is a real possibility. It is important to have culture and susceptibility testing on the wound to be sure the antibiotic regimen is appropriate. This test procedure takes about 48-72 hours. This testing will identify what type of organism is causing the infection and determine the appropriate course of antibiotic treatment. The worst treatment is the antibiotic treatment that will not work. It is a terrible costly waste of precious time and money.

MRSA Myth #3: MRSA is Transmitted by person-to-person contact.

Yes, this is one mechanism of   transmission  from patient to patient, and as it may be the primary means acquiring a MRSA infection, this fact underscores the need for diligent hand washing by anyone in contact with hospital patients. What is not often addressed is that MRSA can also be contracted from equipment used in the hospital and also from the environment.

MRSA Myth #4: MRSA is the only Resistant organism

Not true! Methicillin resistant staph aureus is the organism that has gotten the recent press coverage, but there are a number of other multiply-resistant microorganisms out there. For instance, the organism that causes TB has developed resistance which is well documented. Beyond these, there are a number of other super bugs we should all be concerned about.

MRSA Myth #5: MRSA Infections are limited to Humans

Believe it or not, MRSA can infect animals, too. In addition to person-to-person  transmission , MRSA infections can also be transmitted from person-to-animal. MRSA infections have been found in dogs and cats and other animals. The presence of MRSA in animals is manifested in the same way as human infection. We should be concerned about the health and safety of our pets, too.

The Top 5 Key Benefits of Purchasing and Owning Investment Real Estate

So… You may ask yourself, why should you buy or invest in real estate in the First Place? Because it’s the IDEAL investment! Let’s take a moment to address the reasons why people should have investment real estate in the first place. The easiest answer is a well-known acronym that addresses the key benefits for all investment real estate. Put simply, Investment Real Estate is an IDEAL investment. The IDEAL stands for:

• I – Income
• D – Depreciation
• E – Expenses
• A – Appreciation
• L – Leverage

Real estate is the IDEAL investment compared to all others. I’ll explain each benefit in depth.

The “I” in IDEAL stands for Income. (a.k.a. positive cash flow) Does it even generate income? Your investment property should be generating income from rents received each month. Of course, there will be months where you may experience a vacancy, but for the most part your investment will be producing an income. Be careful because many times beginning investors exaggerate their assumptions and don’t take into account all potential costs. The investor should know going into the purchase that the property will COST money each month (otherwise known as negative cash flow). This scenario, although not ideal, may be OK, only in specific instances that we will discuss later. It boils down to the risk tolerance and ability for the owner to fund and pay for a negative producing asset. In the boom years of real estate, prices were sky high and the rents didn’t increase proportionately with many residential real estate investment properties. Many naïve investors purchased properties with the assumption that the appreciation in prices would more than compensate for the fact that the high balance mortgage would be a significant negative impact on the funds each month. Be aware of this and do your best to forecast a positive cash flow scenario, so that you can actually realize the INCOME part of the IDEAL equation.

Often times, it may require a higher down payment (therefore lesser amount being mortgaged) so that your cash flow is acceptable each month. Ideally, you eventually pay off the mortgage so there is no question that cash flow will be coming in each month, and substantially so. This ought to be a vital component to one’s retirement plan. Do this a few times and you won’t have to worry about money later on down the road, which is the main goal as well as the reward for taking the risk in purchasing investment property in the first place.

The “D” in IDEAL Stands for Depreciation. With investment real estate, you are able to utilize its depreciation for your own tax benefit. What is depreciation anyway? It’s a non-cost accounting method to take into account the overall financial burden incurred through real estate investment. Look at this another way, when you buy a brand new car, the minute you drive off the lot, that car has depreciated in value. When it comes to your investment real estate property, the IRS allows you to deduct this amount yearly against your taxes. Please note: I am not a tax professional, so this is not meant to be a lesson in taxation policy or to be construed as tax advice.

With that said, the depreciation of a real estate investment property is determined by the overall value of the structure of the property and the length of time (recovery period based on the property type-either residential or commercial). If you have ever gotten a property tax bill, they usually break your property’s assessed value into two categories: one for the value of the land, and the other for the value of the structure. Both of these values added up equals your total “basis” for property taxation. When it comes to depreciation, you can deduct against your taxes on the original base value of the structure only; the IRS doesn’t allow you to depreciate land value (because land is typically only APPRECIATING). Just like your new car driving off the lot, it’s the structure on the property that is getting less and less valuable every year as its effective age gets older and older. And you can use this to your tax advantage.

The best example of the benefit regarding this concept is through depreciation, you can actually turn a property that creates a positive cash flow into one that shows a loss (on paper) when dealing with taxes and the IRS. And by doing so, that (paper) loss is deductible against your income for tax purposes. Therefore, it’s a great benefit for people that are specifically looking for a “tax-shelter” of sorts for their real estate investments.

For example, and without getting too technical, assume that you are able to depreciate $15,000 a year from a $500,000 residential investment property that you own. Let’s say that you are cash-flowing $1,000 a month (meaning that after all expenses, you are net-positive $1000 each month), so you have $12,000 total annual income for the year from this property’s rental income. Although you took in $12,000, you can show through your accountancy with the depreciation of the investment real estate that you actually lost $3,000 on paper, which is used against any income taxes that you may owe. From the standpoint of IRS, this property realized a loss of $3,000 after the “expense” of the $15,000 depreciation amount was taken into account. Not only are there no taxes due on that rental income, you can utilize the paper loss of $3,000 against your other regular taxable income from your day-job. Investment property at higher price points will have proportionally higher tax-shelter qualities. Investors use this to their benefit in being able to deduct as much against their taxable amount owed each year through the benefit of depreciation with their underlying real estate investment.

Although this is a vastly important benefit to owning investment real estate, the subject is not well understood. Because depreciation is a somewhat complicated tax subject, the above explanation was meant to be cursory in nature. When it comes to issues involving taxes and depreciation, make sure you have a tax professional that can advise you appropriately so you know where you stand.

The “E” in IDEAL is for Expenses – Generally, all expenses incurred relating to the property are deductible when it comes to your investment property. The cost for utilities, the cost for insurance, the mortgage, and the interest and property taxes you pay. If you use a property manager or if you’re repairing or improving the property itself, all of this is deductible. Real estate investment comes with a lot of expenses, duties, and responsibilities to ensure the investment property itself performs to its highest capability. Because of this, contemporary tax law generally allows that all of these related expenses are deductible to the benefit of the investment real estate landowner. If you were to ever take a loss, or purposefully took a loss on a business investment or investment property, that loss (expense) can carry over for multiple years against your income taxes. For some people, this is an aggressive and technical strategy. Yet it’s another potential benefit of investment real estate.

The “A” in IDEAL is for Appreciation – Appreciation means the growth of value of the underlying investment. It’s one of the main reasons that we invest in the first place, and it’s a powerful way to grow your net worth. Many homes in the city of San Francisco are several million dollars in today’s market, but back in the 1960s, the same property was worth about the cost of the car you are currently driving (probably even less!). Throughout the years, the area became more popular and the demand that ensued caused the real estate prices in the city to grow exponentially compared to where they were a few decades ago. People that were lucky enough to recognize this, or who were just in the right place at the right time and continued to live in their home have realized an investment return in the 1000’s of percent. Now that’s what appreciation is all about. What other investment can make you this kind of return without drastically increased risk? The best part about investment real estate is that someone is paying you to live in your property, paying off your mortgage, and creating an income (positive cash flow) to you each month along the way throughout your course of ownership.

The “L” in IDEAL stands for Leverage – A lot of people refer to this as “OPM” (other people’s money). This is when you are using a small amount of your money to control a much more expensive asset. You are essentially leveraging your down payment and gaining control of an asset that you would normally not be able to purchase without the loan itself. Leverage is much more acceptable in the real estate world and inherently less risky than leverage in the stock world (where this is done through means of options or buying “on Margin”). Leverage is common in real estate. Otherwise, people would only buy property when they had 100% of the cash to do so. Over a third of all purchase transactions are all-cash transactions as our recovery continues. Still, about 2/3 of all purchases are done with some level of financing, so the majority of buyers in the market enjoy the power that leverage can offer when it comes to investment real estate.

For example, if a real estate investor was to buy a house that costs $100,000 with 10% down payment, they are leveraging the remaining 90% through the use of the associated mortgage. Let’s say the local market improves by 20% over the next year, and therefore the actual property is now worth $120,000. When it comes to leverage, from the standpoint of this property, its value increased by 20%. But compared to the investor’s actual down payment (the “skin in the game”) of $10,000- this increase in property value of 20% really means the investor doubled their return on the investment actually made-also known as the “cash on cash” return. In this case, that is 200%-because the $10,000 is now responsible and entitled to a $20,000 increase in overall value and the overall potential profit.

Although leverage is considered a benefit, like everything else, there can always be too much of a good thing. In 2007, when the real estate market took a turn for the worst, many investors were over-leveraged and fared the worst. They could not weather the storm of a correcting economy. Exercising caution with every investment made will help to ensure that you can purchase, retain, pay-off debt, and grow your wealth from the investment decisions made as opposed to being at the mercy and whim of the overall market fluctuations. Surely there will be future booms and busts as the past would dictate as we continue to move forward. More planning and preparing while building net worth will help prevent getting bruised and battered by the side effects of whatever market we find ourselves in.

Many people think that investment real estate is only about cash flow and appreciation, but it’s so much more than that. As mentioned above, you can realize several benefits through each real estate investment property you purchase. The challenge is to maximize the benefits through every investment.

Furthermore, the IDEAL acronym is not just a reminder of the benefits of investment real estate; it’s also here to serve as a guide for every investment property you will consider purchasing in the future. Any property you purchase should conform to all of the letters that represent the IDEAL acronym. The underlying property should have a good reason for not fitting all the guidelines. And in almost every case, if there is an investment you are considering that doesn’t hit all the guidelines, by most accounts you should probably PASS on it!

Take for example a story of my own, regarding a property that I purchased early on in my real estate career. To this day, it’s the biggest investment mistake that I’ve made, and it’s precisely because I didn’t follow the IDEAL guidelines that you are reading and learning about now. I was naïve and my experience was not yet fully developed. The property I purchased was a vacant lot in a gated community development. The property already had an HOA (a monthly maintenance fee) because of the nice amenity facilities that were built for it, and in anticipation of would-be-built homes. There were high expectations for the future appreciation potential-but then the market turned for the worse as we headed into the great recession that lasted from 2007-2012. Can you see what parts of the IDEAL guidelines I missed on completely?

Let’s start with “I”. The vacant lot made no income! Sometimes this can be acceptable, if the deal is something that cannot be missed. But for the most part this deal was nothing special. In all honesty, I’ve considered selling the trees that are currently on the vacant lot to the local wood mill for some actual income, or putting up a camping spot ad on the local Craigslist; but unfortunately the lumber isn’t worth enough and there are better spots to camp! My expectations and desire for price appreciation blocked the rational and logical questions that needed to be asked. So, when it came to the income aspect of the IDEAL guidelines for a real estate investment, I paid no attention to it. And I paid the price for my hubris. Furthermore, this investment failed to realize the benefit of depreciation as you cannot depreciate land! So, we are zero for two so far, with the IDEAL guideline to real estate investing. All I can do is hope the land appreciates to a point where it can be sold one day. Let’s call it an expensive learning lesson. You too will have these “learning lessons”; just try to have as few of them as possible and you will be better off.

When it comes to making the most of your real estate investments, ALWAYS keep the IDEAL guideline in mind to make certain you are making a good decision and a solid investment.

The Importance of Food in Our Life

Food is the basic necessity for all of us and we all earn money to get this basic necessity. We need to eat 3 meals a day to keep our body running so that we can manage our daily functions. Many of us ” Eat food to live” while there are others who “Live to eat food”. In fact, nutrition assumes a special importance in each and everyone’s life.

Types of Foodstuff

The food is normally divided into two main categories given below:-

1- Vegetarian food- These include stuffs like milk, fruits and vegetables. These are those stuff that are obtained from plants and trees.

2- Non- Vegetarian food- These include stuffs like meat and meat products, chicken, turkey, fish, squid etc. Non vegetarian food are generally obtained by killing animals.

Nutrition from Foodstuff

Nutrition from food is necessary and without this daily dose of nutrition animals may not survive for long. It is important to support life as nourishment obtained helps the cells present in our body to carry out its routine functions. Different stuffs provide different levels of nutrition. The nutrients are divided into six classes which are given below:-

1- Carbohydrates- These provide energy to the body and are found in items like rice, bread and other grain products.

2- Fats- It consists of a group of compounds that are generally insoluble in water. These are found in items like butter, ghee, fish oil, lard etc. Fats are stored in the human body for use at a later use for energy.

3- Minerals- These are needed for the maintenance of proper functions in the body like the transport of oxygen throughout the body, stimulating growth, normalizing the nervous system etc. Minerals can be found from a variety of food items such as meat, cereals including cereal products such as bread, fish, milk and dairy foods.

4- Protein- These are important components of muscles, skin and hair. Proteins are helpful in creation of various enzymes in the body that control various important functions. Major sources of protein include milk, meat, fish, egg, and vegetables.

5- Vitamins- They are an essential component of animal body required for good health. It is organic compound required as a nutrient. Good sources of vitamins are fruits, vegetables, cereals, milk and eggs.

6- Water- It is popularly known as the”elixir of life”. The human body comprises of 55-78 % of water. It is required for the essential functioning of the various important parts of the human body.

Thus, these points given above reflect the importance of food and nutrients in our diet. As long as a human is alive, he needs water and foods in the required quantity.