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It’s never too late to become healthy.

It’s never too late to become healthy.

As far as the first assumption is concerned, it’s something natural for absolute majority of people: we all tend to take too many things for granted, including our health and excellent body shape. If you are one of those people, there’s a very easy way for you to dispel this illusion. Just compare the ideal human forms you see, let’s say, in Hollywood movies, with the bodies of the folks in your favorite Thimothy’s or Taco Bell or McDonalds or…

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Irreparable effects

Irreparable effects

When you come to think of all the distructive and often irreparable effects that these unhealthy habits have on human bodies, it’s only natural to start wondering why people keep doing it to themselves? However, indisputable facts remain: Nearly 50 million Americans continue to smoke. More than 60% of Americans are obese or overweight (which is a dramatic increase from 47% only 20 years ago). One in four Americans gets no regular exercise at all. The question why people knowingly…

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How much do you value your health?

How much do you value your health?

Every single day terrifying facts about human health and declining life expectancy hit the headlines of major newspapers and magazines all over the world. I believe, you too have come across at least one of this kind of headings in the past few days: It has been estimated that almost three-quarters of the American population is overweight. High-Fat Diets account for 60% of cancer deaths in women and 40% of cancer deaths in men. About 50 million Americans suffer from…

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Window dressing

Window dressing

As pernicious as this may sound, the very fact that it has a common name, ?window dressing,? implies that it is a practice well known to executives and sophisticated investors, specifically the type of investors most likely to react to quarterly reports. The risk that does not appear on the statement is already known to large investors The fact that the SEC is trying to portray what had become standard acceptable accounting procedures as toxic in one or two isolated…

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Defending the Indefensible

Defending the Indefensible

In the past several weeks, the SEC has attempted to single out certain key firms on Wall Street like Lehman Brothers, Bear Stearns, and others that took recovery funds as having engaged in deceitful accounting with a practice known as a ?Repo 105 transaction.? When testifying before the House Subcommittee on Capital Markets, Insurance and Government Sponsored Enterprises, SEC Chief Accountant James Kroeker testified that, ?based on the requests [made to 19 key banks about repo transactions], no information has…

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Financial Security

Financial Security

Dry as this may sound, what it means is that the SEC is now telling investors two things: investment-grade cash must be very liquid to be safe, and government Treasuries are one of the only safe and liquid investments. But the industry response remains abundantly clear: when ultra-low risk funds with expected returns in the range of 0.18% drop below $1 per share, it shows distaste for the product. Likewise, Vanguard has stopped offering many of its funds for reasons…

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Government-Enforced

Government-Enforced

Thanks to the recent swathe of banking regulation, investors can expect the money market funds associated with their brokerage accounts to become less and less temping as cash management products, with disastrous consequences for the system as a result. At the moment, these funds serve as a place to park uninvested funds while looking for an appropriate opportunity or as a longer-term location to store cash as a risk hedge in a larger portfolio plan. Most brokerage clients might not…

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