Good Nutrition Starts at a Cellular Level

If the cells lose even the smallest amount of ability to produce energy for the body, the result is a decline in our general health and the emergence of sometime multiple degenerative conditions.Healthy cells produce our “vitality” – the body’s healthy energy level and natural resistance to stress.The big question becomes, how do we make sure our cells are working at full throttle on the energy front? Fortunately, maintaining healthy cells is fairly simple as scientific research shows that good nutrition is the key.Cells and energyWhat we eat can affect our cells and their efficiency in producing energy. The mitochondria or the “power plants” of the cell each contains a unique pattern of DNA, and their job is to facilitate cellular respiration, a process through which they transform oxygen and nutrients into energy and water.The finger-like folds in the mitochondrial inner membrane contain the respiratory “chains” where this process takes place.Unfortunately, oxygen, which is needed for this process to occur, is toxic to biological molecules and cells. That means that all processes involving oxygen, including cellular respiration, creates free radicals as a by-product.It’s just a consequence of normal metabolism, but these free radicals tend to oxidize biological molecules, just like iron oxidizes when it rusts. Over time, this oxidation can damage the cells, and halt cellular respiration, leading to the death of the cell.The body’s defense against this toxicity is to use antioxidant molecules against the free radicals.The body however, does not always get it right, and sometimes it is not able to produce enough antioxidants for the job. The result is that free radicals move around freely, ravaging the body’s proteins, fats, and DNA/RNA. The body will remove and repair some damaged macromolecules, but often the sheer overwhelming number of free radicals brings the repair system to its knees.Oxidative stressIn 1956, Professor Denham Harman came up with a theory that postulates that as we age and the oxidative damage the body has sustained over the years takes its toll, the level of oxidative stress rises.This means that oxidative damage increases over the course of a lifetime and accelerates in old age. At that point, we tend to see the occurrence of degenerative diseases, and obvious signs of ageing.Oxidative stress and chronic degenerative diseasesToday, scientists and doctors widely agree that oxidative stress figures prominently in eye problems such as cataracts and macular degeneration, atherosclerosis and heart disease, cell mutation and cancer, all kinds of inflammatory conditions, as well as brain and nervous system conditions such as Alzheimer’s disease.Neutralizing free radicals and disease preventionSo how do we reduce or prevent free radical damage to the cells?If oxidative stress increases when antioxidant defenses are compromised and free radical levels rise, surely we can decrease oxidative stress by improving the body’s antioxidant defenses and reducing the number of free radicals floating around the blood and tissues.Optimal cellular nutritionThe experts agree: Optimal cellular nutrition is the best way to boost the body’s natural defenses.This involves providing ALL nutrients to the cell at optimal levels, and allowing the cell to decide what it does and does not need.This way, we can ensure that there aren’t any nutritional deficiencies – because nutrient levels will automatically be corrected within a few months of regaining optimal cell nutrition.This seems easy enough, but one question still unanswered is: Which nutrients are needed for optimal cellular nutrition?Basically, it means giving your body all the antioxidants in addition to the supporting B vitamins and antioxidant minerals.It has been noted by some researchers that the recommended daily allowance (RDA) of each nutrient may in fact not be enough for our cells to prevent many health conditions. The RDAs are old, determined during the WW years, and apply to minimum nutrient intake to ward off deficiency diseases common back then. As a result, they don’t take into account conditions such as chronic degenerative diseases, which occur more frequently today.Optimal levels to prevent degenerative diseaseToday, the optimal levels of nutrients known to provide health benefits are much greater than the recommended daily allowances: eg: some studies show that the optimal level of vitamin C is approximately 1200 to 2000 mg daily, the RDA is only 60 mg.Because the enormous amount of fresh vegetables and fruit we would have to eat to obtain these new levels of nutrition is unmanageable for humans, the best, and most logical way to get optimum levels of vitamins,minerals and other nutrients is to take a good quality supplement.Think of cellular nutrition as a very wise way of using the supplement and your food as “preventative medicine” to stop the disease process before it even begins.It is a Myth that If I have a healthy diet, I do not need to take any supplementation.In fact, it is proven that if a large group of people were to follow the exact same dietary lifestyle & exercise program, a percentage would still suffer from high or low blood pressure, high or low blood sugar, or high or low stomach acid, while others could develop arthritis, cardiovascular disease, cancer, mental illness, or other medical conditions.Most nutrition-related health issues in Western society are not caused by nutritional deficiencies, but rather nutritional imbalances, which will negatively affect cellular nutrition and are responsible for many common medical problems in older people, while metabolic disorders can cause nutritional deficiencies following the malabsorption of certain nutrients.When we analyze people living to a ripe old age in reasonable health without the need of supplementation, we find that they had a lot of odds in their favor: good genes and a lack of factors that tend to upset the biochemical balance necessary to maintain good health. Anything upsetting the cellular nutrition balance will do one of three things: shorten someone’s life, worsen its quality, or require compensation through extra nutritional support or drug intervention.The difference between people who take nutritional supplements (that match cellular nutrition requirements), and those who do not can always be detected in the way the body handles a crisis/trauma. If you look at younger people in a crisis situation, they simply tend to handle various medical situations better, or recover faster than older ones. This would suggest that by ingesting the correct nutritional supplementation we could in fact be lowering our biological age

Getting Started With Investing

IntroductionTraditionally investing has been seen as the preserve of the wealthy and has a reputation for being a minefield to the uninitiated. As western standards of living continue to increase, more and more people are beginning to realize the benefits investing even small sums can bring. This article seeks to explore some basic principles to help you get started with investing.1. What’s the basic premise of investing?The Collins English Dictionary defines the word invest in the following way; “To lay out, for profit or advantage.” To layout refers to the fact that something of value is needed in the first place in order to generate more wealth. In essence investing is a means of taking a pre defined sum of money and using it in such a way as to increase its original value, therefore generating a profit.2. Why Invest?This is one of the most fundamental questions that any person looking to invest needs to ask. The general answer is pretty obvious, to generate a profit, but the reason behind the investment are far more important and will directly influence how and where you chose to invest. In addition the answer will also determine the level of risk you are willing to expose yourself to and which will be explored in more detail later.Reasons as to why people invest are varied and may include some of the following; to build up a nest egg for retirement, to provide a financial safety net, to pay for future education or university fees for children, for fun because of the buzz investing can create.3. How Should I invest?This is also a deeply personal question and will depend upon the amount of money an individual has at their disposal. It is important to stress that investment takes many different forms all of which facilitate differing levels of investment. A single mum might decide to invest $20 or a business entrepreneur $1 million but both will seek a return on their capital outlay and how they go about achieving their investment goals may differ substantially.4. What level of risk should I expose myself to?Such a decision is very important as ultimately it will dictate the profitability of your final investment. In many respects this question will also be determined by the answer to the previous question, why invest? If an investment is being made to safeguard a financial future the level of risk taken may be lower than an individual investing for fun.Generally investments are made in three distinct categories low, medium and high. Low risk investments include Government bonds and savings accounts. Medium Risk investments could include certain types of shares or property. High Risk investments will almost certainly include shares in rapidly expanding companies exploring new markets. The dot.com crash in the late nineties, in which thousands of newly established technology companies went bust, is an example of a high risk investment going very wrong.What types of investment are there?This is not an easy question to answer because in theory anything that earns a profit from an initial outlay can be classed as an investment.There are however some common forms of investment that deserve further explanation.a) Government BondsThese are deemed low risk investments as money is invested in Government related projects and assets. It is unheard of in the western world for a Government to go bankrupt.b) SharesThis is a means of holding a stake in a company trading on the stock exchange and investors benefit from its profitability. Whilst share dealing can be low risk particularly if you are investing in established companies in the FTSE 100, most share investments are deemed medium or high risk. This is because such investments have the potential to return excellent profits but there is also a raised risk of losing your total investment.c) AntiquesAntiques are often a great source of investment given that they hold their value at the very least and have the added benefit of being easy to sell if you need a quick cash injection. In addition if you wish to leave a sum of money to family after your death they won’t be hit with inheritance taxes often associated with large amounts of physical cash. Perhaps one of the major drawbacks to investing in Antiques is the requirement of a level of technical expertise, or access to those skills, to ensure that suitable items are invested in.d) PropertyProperty can also be a very lucrative source of investment as property prices continue to increase across the developed world. Generally property prices increase in value in the long term.e) SavingsWhilst banks often make the distinction between savings and investments, in essence savings are a form of investment as the money you save with the bank is invested in low risk shares on your behalf, which ultimately enables financial institutions to make interest payments to you.How to investNow that you have more information to help you get started with investment the next step is to speak to an independent financial advisor. These consultations are almost always free and you can get specific advice tailored to your individual needs concerning investing. In the UK there is an excellent site for finding Independent Financial Advisors called unbiased, see the link at the end of this articleSummaryThis article has attempted to provide advice to enable individuals to get started with investment. Discussion has taken place about the basic premise of investing and the profitability of such a decision, along with examining different reasons for investing. Attention has also been given to how much might be invested and at what level of risk this might be undertaken at. Finally we have explored the vast array of investment options available and what the next step is for a budding investor.

Alternative Financing Vs. Venture Capital: Which Option Is Best for Boosting Working Capital?

There are several potential financing options available to cash-strapped businesses that need a healthy dose of working capital. A bank loan or line of credit is often the first option that owners think of – and for businesses that qualify, this may be the best option.

In today’s uncertain business, economic and regulatory environment, qualifying for a bank loan can be difficult – especially for start-up companies and those that have experienced any type of financial difficulty. Sometimes, owners of businesses that don’t qualify for a bank loan decide that seeking venture capital or bringing on equity investors are other viable options.

But are they really? While there are some potential benefits to bringing venture capital and so-called “angel” investors into your business, there are drawbacks as well. Unfortunately, owners sometimes don’t think about these drawbacks until the ink has dried on a contract with a venture capitalist or angel investor – and it’s too late to back out of the deal.

Different Types of Financing

One problem with bringing in equity investors to help provide a working capital boost is that working capital and equity are really two different types of financing.

Working capital – or the money that is used to pay business expenses incurred during the time lag until cash from sales (or accounts receivable) is collected – is short-term in nature, so it should be financed via a short-term financing tool. Equity, however, should generally be used to finance rapid growth, business expansion, acquisitions or the purchase of long-term assets, which are defined as assets that are repaid over more than one 12-month business cycle.

But the biggest drawback to bringing equity investors into your business is a potential loss of control. When you sell equity (or shares) in your business to venture capitalists or angels, you are giving up a percentage of ownership in your business, and you may be doing so at an inopportune time. With this dilution of ownership most often comes a loss of control over some or all of the most important business decisions that must be made.

Sometimes, owners are enticed to sell equity by the fact that there is little (if any) out-of-pocket expense. Unlike debt financing, you don’t usually pay interest with equity financing. The equity investor gains its return via the ownership stake gained in your business. But the long-term “cost” of selling equity is always much higher than the short-term cost of debt, in terms of both actual cash cost as well as soft costs like the loss of control and stewardship of your company and the potential future value of the ownership shares that are sold.

Alternative Financing Solutions

But what if your business needs working capital and you don’t qualify for a bank loan or line of credit? Alternative financing solutions are often appropriate for injecting working capital into businesses in this situation. Three of the most common types of alternative financing used by such businesses are:

1. Full-Service Factoring – Businesses sell outstanding accounts receivable on an ongoing basis to a commercial finance (or factoring) company at a discount. The factoring company then manages the receivable until it is paid. Factoring is a well-established and accepted method of temporary alternative finance that is especially well-suited for rapidly growing companies and those with customer concentrations.

2. Accounts Receivable (A/R) Financing – A/R financing is an ideal solution for companies that are not yet bankable but have a stable financial condition and a more diverse customer base. Here, the business provides details on all accounts receivable and pledges those assets as collateral. The proceeds of those receivables are sent to a lockbox while the finance company calculates a borrowing base to determine the amount the company can borrow. When the borrower needs money, it makes an advance request and the finance company advances money using a percentage of the accounts receivable.

3. Asset-Based Lending (ABL) – This is a credit facility secured by all of a company’s assets, which may include A/R, equipment and inventory. Unlike with factoring, the business continues to manage and collect its own receivables and submits collateral reports on an ongoing basis to the finance company, which will review and periodically audit the reports.

In addition to providing working capital and enabling owners to maintain business control, alternative financing may provide other benefits as well:

It’s easy to determine the exact cost of financing and obtain an increase.
Professional collateral management can be included depending on the facility type and the lender.
Real-time, online interactive reporting is often available.
It may provide the business with access to more capital.
It’s flexible – financing ebbs and flows with the business’ needs.
It’s important to note that there are some circumstances in which equity is a viable and attractive financing solution. This is especially true in cases of business expansion and acquisition and new product launches – these are capital needs that are not generally well suited to debt financing. However, equity is not usually the appropriate financing solution to solve a working capital problem or help plug a cash-flow gap.

A Precious Commodity

Remember that business equity is a precious commodity that should only be considered under the right circumstances and at the right time. When equity financing is sought, ideally this should be done at a time when the company has good growth prospects and a significant cash need for this growth. Ideally, majority ownership (and thus, absolute control) should remain with the company founder(s).

Alternative financing solutions like factoring, A/R financing and ABL can provide the working capital boost many cash-strapped businesses that don’t qualify for bank financing need – without diluting ownership and possibly giving up business control at an inopportune time for the owner. If and when these companies become bankable later, it’s often an easy transition to a traditional bank line of credit. Your banker may be able to refer you to a commercial finance company that can offer the right type of alternative financing solution for your particular situation.

Taking the time to understand all the different financing options available to your business, and the pros and cons of each, is the best way to make sure you choose the best option for your business. The use of alternative financing can help your company grow without diluting your ownership. After all, it’s your business – shouldn’t you keep as much of it as possible?