We all experience some level of anxiety every now and then. A few of the more common examples include being put in harm’s way, giving a speech to a roomful of your peers, and getting through an interview for an important job. It’s normal to experience anxiety in such situations. Then there are people who experience anxiety on a frequent basis, and feel anxious when there are no immediate threats present. This type of anxiety requires treatment.
Before we get into some of the treatment options, it’s important to understand what anxiety is, and how it happens.
Anxiety happens when our body reacts to an imagined threat as if it were real. Our breathing and heart rate changes, adrenaline starts flowing, and we sweat as we go into the fight or flight response. There are times when this comes in handy, but the person with an anxiety disorder goes well beyond that point.
While you may be able to live with the occasional bout of anxiety, you should seek treatment if it is causing a negative impact on your life. A negative impact is anything that takes away from your quality of life, and your enjoyment of it. Not going to social events, staying inside due to a fear of the outside world, never stepping out of your “safe zone” because you’re afraid you won’t be able to cope are some common examples.
One of the difficulties of diagnosing anxiety is that many of the symptoms can be related to other conditions. Therefore, the sufferer may assume that they have another medical problem, when in reality they actually have an anxiety disorder. Symptoms can include, but are not limited to: shortness of breath, strong heartbeat, nausea, chest pain, fatigue, headaches, stomach pains, and insomnia. That’s quite a list, isn’t it? Someone with a strong heartbeat and pain in their chest would be fully justified in thinking they were having a heart attack, but it could just be a panic attack.
NOTE: Never assume chest pains are okay unless under the direct guidance of a doctor. Even if you have anxiety, the symptoms of a heart attack should never be ignored.
A person with an anxiety disorder thinks differently. For the sake of example, let’s say snakes make them anxious. Our sufferer sees a picture of a snake, and then his mind and body go into a different state. He sees the picture and thinks about how some snakes are poisonous, and they can bite. “What if,” he thinks to himself, “a snake bites me?” He continues by imagining being bitten, injected with venom, dying, and leaving his family destitute due to his being dead. All of this from seeing a picture!
However, his difficulty is how to stop the snowballing effect of these thoughts when they happen. Many of the treatments for anxiety are intended to stop the thought process, and a sense of calm replaces the sense of anxiety.
Your skin is the first thing that people notice about you and that is why a proper
regimen is so important. There are many products that claim to help improve skin tone and promote a flawless complexion, but the truth is that there is no such thing as instant results. An effective skin care regimen is one that is done consistently over a time before results will begin to develop.
Skin Care Tip 1:
Always use some type of exfoliation product, which will help to remove old skin cells and other debris and particles from your skin. This will expose the healthy cells and rid your body from the old ones.
Skin Care Tip 2:
If possible, avoid constant sun exposure and tanning beds. In addition to being dangerous where health is concerned, these may also lead to early signs of aging. Everyone loves a suntan, but there is no reason to sacrifice your skin or your health in order to achieve it. Therefore, many individuals opt for a self-tanning lotion instead. Back in the day, these products had a tendency to turn the skin orange, but that is no longer the case. Improvements have helped to give self-tanning products a more natural, streak-free look. Before applying the lotion to your entire body, apply it to a small test area just to make sure there is no irritation.
Skin Care Tip 3:
If your lips tend to become chapped in the winter months or wind burnt at other times, using lip balm or lipstick will help to protect the lips from natureâ€™s worst.
Skin Care Tip 4:
Dry or cracked skin can be very unbearable. Not to mention the discomfort of tight red skin, it can be downright embarrassing. A container of Pacquin Plus hand & body cream will eliminate soreness, redness and help to add moisture back to dry skin.
Skin Care Tip 5:
Do not use products that irritate your skin in any way, including soaps that have harsh ingredients. If possible, use a moisturizing soap or that which is designed for sensitive skin.
In addition to these tips, skin care products are available as commercial or prescription based treatments. A dermatologist is often consulted for matters relating to acne or other skin disorders, especially if they are severe. Many skin care enthusiasts also believe in using plenty of moisturizing body lotion in order to replenish the skinâ€™s natural moisture, which is often stripped in todayâ€™s harsh environment.
The information in this article is to be used for informational purposes. It should not be considered as, or used in conjunction with, professional medical advice. Consult your doctor prior to beginning any skin care regimen or if you have been diagnosed with any disorder involving the skin.
Your hair is your crowning glory. Look after it and it will shine for all the world to see. You donâ€™t always need expensive treatments, or visits to a hair salon to manage your hair professionally. Thereâ€™s so much you can do yourself.
1. For shiny, healthy hair think first of your bodyâ€™s intake. Your hair is really just a reflection of what you are inside. A good balanced, nutritious and healthy diet will do more to make your hair shine than any shampoo or conditioner. And drink eight to ten glasses of water a day too; hair is 25% water, so donâ€™t let yours go thirsty!
2. Dry your hair after washing in the ambient temperature of your room after using an absorbent towel to soak up the excess moisture, but donâ€™t rub hard. If possible, donâ€™t use blow-drying, flat irons, curling irons or hot rollers. Artificial heating will leave your hair brittle and damaged in time. Be natural whenever you can.
3. Prevent unnecessary hair damage by using the right kind of hairbrush. Only comb wet hair with a wide-tooth comb, combing from end to root, but avoiding touching the root. Detangling wet hair with a hard steel comb can create a lot of damage, so donâ€™t!
4. Remove trichoptlosis, or split ends, like this: take small sections of your hair and carefully twist them in a gentle downward motion. The split ends will stick out. Using sharp scissors, carefully cut into the twisted section, but not right through, to remove the damaged cuticles and leave a natural layered look. Cut roughly the same amount from each twist to balance the effect.
5. Hair loss can be slowed, or even reversed by applying a few simple tips, though they probably wonâ€™t cure an underlying condition. Biotin can help to regenerate hair follicles: blend bananas with honey, yoghurt and low-fat milk, and drink it daily. Supplements such as Vitamin B6, zinc and saw palmetto will help too, but eliminating stress and getting plenty of sleep may work just as well.
We are all obsessed with our hair, whether we are 9 or 90, male or female. Look after yourself first and foremost and your hair will reflect that care and attention. The Biblical Samsonâ€™s strength lay in his fine flowing hair. Your hair reflects your strength too.
Inc. Magazine Unveils Its Fifth Annual Exclusive List of America’s Fastest-Growing Private Companies – the Inc. 5000
CANBY, Minn., Aug. 25, 2011 /PRNewswire/ — Inc. Magazine listed Outland Energy Services on its fifth annual Inc. 5000, an exclusive ranking of the nation’s fastest-growing private companies. The list represents the most comprehensive look at the most important segment of the economy — America’s independent-minded entrepreneurs. Outland, an independent services provider in the North American wind industry, joins Spirit Airlines, television maker Vizio, and Dunkin Donuts among other prominent brands featured on this year’s list. Â Other notable alumni include, Microsoft, Patagonia and Oracle. Â Outland was ranked 701 out of 5000, rounding out the top 15% of the list.
“Outland has distinguished itself by the strength of our client base and safety record. Â In less than six years, we’ve created a new industry model for client service and have won contracts from some of the biggest and most respected companies in the world. We’re grateful that our success has been recognized by Inc. magazine, and counted among so many other well-deserving and prestigious companies,” says Steve Scott, President & CEO of Outland Energy Services.
Finance: Manulife Mutual Funds Launches 15 New Funds, Further Expanding Global Opportunities Available to Advisors and Clients
24 aoÃ»t 2011 16:28 Europe/Rome
New Investment Options Offer Wide Range Of Risk-Return Profiles
– Leveraged Company Fund Provides Unique Offering To The Canadian Marketplace
– New Highly Flexible Global Balanced Fund Managed By Team Running Very Successful Manulife Monthly High Income Fund
– Two New U.S. Equity Funds Feature Team Of Highly Experienced Core Value Managers
– Other Funds Provide Expanded Global Choices For Advisors And Clients
TORONTO, Aug. 24, 2011 /PRNewswire/ — Manulife Mutual Funds today announced the launch of 15 new funds, further expanding and strengthening the global investment options it offers to advisors and their clients.
“Building on our robust growth in the first half of 2011, we are very excited to now offer more than two dozen of what we believe will be outstanding investment options for our customers,” said Paul Lorentz, President of Manulife Investments. “We believe these Funds have excellent investment mandates with top investment managers to execute them. These additional offerings across multiple asset classes will help investors meet their individual needs as well as help to further position Manulife Mutual Funds as a premier provider of investment solutions.”
Manulife Mutual Funds’ year to date sales as of June 30, 2011 surpassed $2.2 billion, an increase of 66 per cent from the previous year. During the second quarter of 2011, it posted new sales of $864 million. Moreover, Manulife Mutual Funds was the second fastest growing firm based on funds under management of the top 10 firms reporting to the Investment Funds Institute of Canada so far this year.
“With the addition of a large number of high quality funds to our line-up, we continue to send a strong message to advisors and their clients of the positive momentum at Manulife Mutual Funds,” said Jeff Ray, Assistant Vice President, Mutual Funds & Structured Products. “This is part of our on-going commitment to provide advisors and their clients with access to top performing portfolio managers and mutual fund solutions.”
Of particular note among the new Funds are the:
Manulife Leveraged Company Class
This mutual fund will be unique in Canada and managed by Dennis F. McCafferty, John F. Iles and Joseph Rizzo of Manulife Asset Management (U.S.), LLC. It seeks to deliver capital appreciation by investing primarily in the equity and debt securities of leveraged companies. Taking a contrarian approach, the managers will invest in companies in challenged industries and/or in companies in difficult circumstances with the potential to rebound. This mutual fund should appeal to investors with high risk tolerance, who are seeking maximum returns through a unique and opportunistic portfolio of primarily U.S. securities.
Manulife Value Balanced Fund/Class
Two of Manulife Asset Management’s most experienced managers will oversee this highly flexible global balanced fund. Alan Wicks and Terry Carr, who direct the team managing the successful Manulife Monthly High Income Fund, will manage this Fund which seeks to provide long-term total return by investing primarily in Canadian and foreign equity and fixed-income securities, with no asset, sector or geographical constraints.
Manulife U.S. All Cap Equity Fund/Class and the Manulife U.S. Large Cap Equity Fund/Class
Earlier this year, Walter McCormick and Emory Sanders, who have worked together for more than a decade, brought their core value team to Manulife Asset Management. Highly experienced in the industry, they will lead the team managing these two new funds, following their 7-step process to uncover financially strong companies with sustainable competitive advantages, selling at discounts to intrinsic value.
The U.S. All Cap Equity Fund/Class will seek to provide long-term capital growth by investing in a broad range of U.S. equities across different sectors and market capitalizations. The Manulife U.S. Large Cap Equity Fund/Class will seek to provide long-term capital growth by focusing on large cap U.S. companies that the portfolio managers believe are well positioned to outperform over the long term.
The other new Funds include the:
Tags: equity funds, Finance, global investment, Insurance, investment funds institute, investment funds institute of canada, investment manager, investment mandates, investment solutions, quality funds, risk return
ENERGY: FlexEnergy Inc and MISCOwater + energy to Partner in Clean Energy Generation Solutions for Wastewater Treatment Plants
FlexEnergy Inc Appoints MISCOwater + energy as Manufacturers Rep for Western US Wastewater Treatment Market
IRVINE, Calif., Aug. 25, 2011 /PRNewswire/ — FlexEnergy Inc,Â a clean tech company with the breakthrough solution to generate clean energy with near-zero emissions, has selected MISCOwater + energy, a leading integrator of clean energy generation systems, as its sales representative in the municipal wastewater environment in the western United States. Â The two companies will promote systems that generate renewable energy for on-site use at municipal wastewater treatment plants, using methane from anaerobic digesters as fuel.
“MISCOwater’s established presence and respected reputation in the municipal wastewater environment make it an excellent choice to represent our advanced solutions for generating heat and electrical energy from methane-rich biogas,” said Joseph Perry, CEO, FlexEnergy Inc.
“We specialize in environmentally sound, economically viable solutions to convert anaerobic digester gas into power, and we are pleased to add FlexEnergy Inc’s product line to our portfolio,” said MISCOwater’s CEO Mike Tooley.
Ideal for wastewater treatment plants and other sources of biogas, FlexEnergy’s Flex Powerstationâ„¢ FP250 uses digester gas as fuel to generate electricity and useful heat while destroying methane, a harmful source of greenhouse gases. Â The Flex Powerstationâ„¢ FP250 uses an advanced thermal oxidizer to destroy methane from digesters using its unique ability to operate reliably within a target temperature range that is high enough to destroy volatile organic compounds (VOCs) and carbon monoxide (CO), yet low enough to prevent the formation of oxides of nitrogen (NOx). Â This one of a kind operating environment allows the Flex Powerstationâ„¢ FP250 to meet all current and planned state and federal air quality regulations. Â An optional heat recovery system can be used to create the industry’s only integrated single-platform package for combined heat and power to optimize digester temperatures and boost overall energy efficiency.
Tags: energy, energy generation systems, energy services, federal air quality, greenhouse gases, house, municipal wastewater treatment, municipal wastewater treatment plants, plants, wastewater treatment market, wastewater treatment plants
BANK: Secured Bank Loans Appear Poised to Deliver Attractive Inflation-Protected Real Gains, According to Alcentra* Study
BNY Mellon Investment Manager Sees Yield Opportunity in Secured Bank Loans
LONDON and NEW YORK, Aug. 25, 2011 /PRNewswire/ — Secured bank loans remain attractive to investors as they have the potential to deliver absolute returns in the high single digits and provide inflation protection through a floating interest rate, according to a recent paper from Alcentra*, entitled Investing in Debt: Opportunities in Secured Bank Loans.
“Recent market volatility has caused a dip in secondary prices for loans, offering investors an improved entry point and the opportunity for capital gains,” said Simon Perry, managing director of business development for Alcentra and the co-author of the report.
The paper updates a June 2010 report from Alcentra that observed that these loans were poised to deliver highly favorable risk adjusted returns. Â The current report, published in August 2011, notes that the secondary market prices for these loans have increased; yet investors have yet to return to investing in the secured loan market on a levered basis.
“We consider terms for new deals to present an opportunity for attractive potential returns and give lenders protection through security, leverage and covenant packages,” said Paul Hatfield, chief investment officer of Alcentra and the other co-author of the report.
Secured loans are essentially debt originated by banks to finance ventures such as private equity sponsored leveraged buyouts (LBOs). Â The loans offer direct secured exposure to corporate credit, an easily understood asset class. Â Companies are turning to the secured loan market as they find access to the high yield bond market restricted, due to heightened perceptions of global risk and a desire to shorten duration, according to the report.
Secured loans present a higher expected recovery rate than high-yield bonds in the event of default and generally are secured by the operating assets of the borrowing company, according to the Alcentra study. Â Consequently, the study concluded that price volatility in the secondary market is lower for secured loans than for high yield bonds even though both forms of debt are issued by similar sorts of businesses.
“Secured loans are less sensitive to rises in interest rates than high yield bonds because secured loans are a floating rate asset class,” said Perry. Â However, he cautioned, “Investors in secured loans will need to be selective in order to participate in the loans that will be successful and provide the best returns.”
The study is available at bnymellonam.com.
PRINCETON, N.J., Aug. 24, 2011 /PRNewswire/ — The Bank of Princeton (the “Bank”) announced today that it has elected to extend its current offering of common stock, as contemplated by its Offering Circular dated June 30, 2011. Â The Bank anticipates that subscriptions will be accepted until 5:00 P.M. on October 15, 2011, the extended expiration date.
On August 15, 2011, the Bank filed a Quarterly Report for the quarter ended June 30, 2011 with the FDIC. Â The information in the Quarterly Report supplements the Offering Circular. Â Copies of the Offering Circular and Quarterly Report are available on the Bank’s website at www.thebankofprinceton.com.
The Bank of Princeton is a New Jersey state-chartered bank with headquarters at 183 Bayard Lane, Princeton, NJ 08540. Â The Bank is a full-service bank providing personal and business lending and deposit services in the Central New Jersey and Southeastern Pennsylvania markets.
The offering is being made only by means of the offering circular and any offering circular supplements. Â Before you invest, you should read the offering circular and any offering circular supplements for more complete information about us and our common stock. Â Shares of our common stock are not deposits and are not insured by the FDIC or any other agency, and are subject to investment risk, including loss of principal. Â The common stock has not been approved or disapproved by the FDIC or any other agency, nor has the FDIC or any other agency passed on the adequacy or accuracy of the offering circular or any offering circular supplement. Any representation to the contrary is unlawful. Â This letter does not constitute an offer to sell or the solicitation of an offer to buy, nor will there be any sale of our common stock in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such jurisdiction.
YORKTOWN, Va., Aug. 25, 2011 /PRNewswire/ — Those living on the East Coast are getting a crash course on the importance of disaster preparedness. On August 23, a 5.8 magnitude earthquake struck central Virginia, the strongest regional quake in more than sixty years. Only a few days later, Hurricane Irene is expected to bring high winds and a deluge of rain to much of the eastern seaboard.
Dr. Arthur Bradley, author of the “Handbook to Practical Disaster Preparedness for the Family,” offers these valuable tips:
- Batten down the hatches! Check for hazards in and near your home. Secure anything that might fall, including shelves, light fixtures, breakables, hot water heaters, and appliances. Install flexible lines to all gas appliances. Strengthen your home’s structure by bracing the chimney, sheathing the crawlspace with plywood, installing anchor bolts or plates between sill and foundation, and adding braces between beams and posts.
- Duck and cover. Most earthquake-related injuries are due to collapsing structures, not from the actual shaking. Identify safe places in and around your home and place of work, such as a sturdy piece of furniture or a well framed wall. Stay away from windows. If outdoors, find an open space and drop to the ground. Stay clear of buildings, trees, bridges, and electrical lines.
- Get everyone onboard. Ensure that adults know how to shut off the utilities and that children are practiced at calling 911. Conduct family drills, identifying safe spots, noting danger areas, and discussing post-earthquake hazards, such as aftershocks, tsunamis, downed electrical wires, and gas leaks.
Hurricanes are particularly dangerous because they introduce five significant hazards: storm surge, marine safety, high winds, tornadoes, and inland flooding. Any one of these can cause considerable loss of life and damage to property. Together they represent a nearly worst-case scenario that requires extensive preparations.
- Secure the castle. Evaluate the structural integrity of your roof, windows, doors, and garage door. Consider making improvements, such as hurricane straps, truss bracing, and gable end bracing. Install storm shutters or precut 5/8-inch plywood to fit the windows. In addition to structural improvements, cut back trees and bushes, secure and clean out gutters and downspouts, and carefully stock a structurally sound room to act as a wind-resistant shelter.
- Stay alert = stay alive. If a hurricane warning is announced, close storm shutters or board up windows; cover skylights and glass doors. Monitor local news broadcasts for storm updates and road conditions. Gather keepsakes, valuables, and important papers on the highest level of the home, preferably in a waterproof container. Be ready to evacuate if ordered to do so by authorities.
- Hunker down. When the hurricane arrives, the primary goal is to stay safe. Keep away from windows and glass doors. Close curtains and blinds to help protect from flying glass and other debris. Secure and brace external doors. Close all interior doors. Retreat to the shelter, making sure that it is well stocked with flashlights, batteries, water, snacks, a first aid kit, pillows and blankets, a cell phone, and some games for the kids.
HELLERUP, Denmark, August 25, 2011
Saxo Bank is pleased to announce that TPG Capital, one of the world’s leading investment firms, will become a major shareholder in Saxo Bank. Following a purchase agreement signed yesterday, a TPG Capital affiliate will acquire a 30% stake in the Company (along with an option to increase its stake to 40%) from existing investors, including General Atlantic, a global growth investor and Banco Espirito Santo, a leading Portuguese bank, amongst others. The founders, Kim Fournais and Lars Seier Christensen will retain majority ownership and continue in their roles as CEOs, also in the event that TPG Capital exercises its option to acquire 40%. TPG Capital’s investment is subject to customary regulatory and competition authority approvals.
General Atlantic invested in Saxo Bank in 2005 and both Espirito Santo Financial Group and Banco Espirito Santo invested in Saxo Bank in 2008. Banco Espirito Santo will continue to build the commercial cooperation that the bank has had with Saxo Bank since 2008, namely through Banco BEST that is owned by both entities.
Kim Fournais and Lars Seier Christensen, founders, CEOs and majority shareholders in Saxo Bank, said in a joint statement:
“We are delighted to welcome one of the world’s leading investment firms as a major shareholder and business partner. This new phase in Saxo Bank’s growth stems from the strong foundation built with the support from our selling shareholders, who have shared in our success to date. We remain enthusiastic about Saxo Bank’s future and look forward to working with TPG Capital to capitalise on the many opportunities ahead.”
Asiff Hirji, Partner at TPG Capital, said:
“Saxo Bank has achieved impressive growth and we look forward to supporting the future diversification strategy. TPG Capital has a strong track record of investing in and growing financial services businesses, particularly those seeking further expansion in emerging markets, where we see tremendous opportunities for Saxo Bank. We look forward to working with its two founders and CEOs.”
Bill Ford, CEO of General Atlantic, and Ricardo Salgado, CEO of Banco Espirito, said in a joint statement:
“We have been pleased with our partnership with Saxo Bank over the last several years and consider this a very successful investment.”
About TPG Capital
TPG Capital is the global buyout group of TPG, a leading private investment firm founded in 1992, with $48 billion of assets under management and offices in Beijing, Fort Worth, Hong Kong, London, Luxembourg, Melbourne, Moscow, Mumbai, New York, Paris, San Francisco, Shanghai, Singapore and Tokyo. TPG Capital has deep global financial services expertise with investments that have included Bank Thai, BTPN, Fidelity National Information Services, Korea First Bank, LPL Financial Services, Shenzhen Development Bank, Shriram City Union Finance and Taishin Holdings, among others. The Firm also has extensive technology experience with investments that have included Aptina, Hotwire, Intergraph, Lenovo, MEMC, Sabre Holdings, Seagate, SunGard, and Vertafore, among others.
About Saxo Bank
Saxo Bank is a leading online trading and investment specialist. The three specialised and fully integrated trading platforms; the browser-based SaxoWebTrader, the downloadable SaxoTrader and the SaxoMobileTrader application are available in over 20 languages. Saxo Asset Management accommodates high-net worth private clients and institutional investors. In 2011 Saxo Bank continued the diversification of its business and launched Saxo Privatbank. The Saxo Bank Group is headquartered in Copenhagen with offices throughout Europe, Asia, Middle East, Latin America and Australia.
Source: Saxo Bank