10 + 10 Reasons You're Not Wealthy

Many people assume they aren't rich because they don't earn enough money. If I only earned a little more, I could save and invest better, they say.

The problem with that theory is they were probably making exactly the same argument before their last several raises. Becoming a millionaire has less to do with how much you make, it's how you treat money in your daily life.

The list of reasons you may not be rich doesn't end at 10. Caring what your neighbors think, not being patient, having bad habits, not having goals, not being prepared, trying to make a quick buck, relying on others to handle your money, investing in things you don't understand, being financially afraid and ignoring your finances.

Here are 10 more possible reasons you aren't rich:

1. You care what your car looks like: A car is a means of transportation to get from one place to another, but many people don't view it that way. Instead, they consider it a reflection of themselves and spend money every two years or so to impress others instead of driving the car for its entire useful life and investing the money saved.

2. You feel entitlement: If you believe you deserve to live a certain lifestyle, have certain things and spend a certain amount before you have earned to live that way, you will have to borrow money. That large chunk of debt will keep you from building wealth.

3. You lack diversification: There is a reason one of the oldest pieces of financial advice is to not keep all your eggs in a single basket. Having a diversified investment portfolio makes it much less likely that wealth will suddenly disappear.

4. You started too late: The magic of compound interest works best over long periods of time. If you find you're always saying there will be time to save and invest in a couple more years, you'll wake up one day to find retirement is just around the corner and there is still nothing in your retirement account.

5. You don't do what you enjoy: While your job doesn't necessarily need to be your dream job, you need to enjoy it. If you choose a job you don't like just for the money, you'll likely spend all that extra cash trying to relieve the stress of doing work you hate.

6. You don't like to learn: You may have assumed that once you graduated from college, there was no need to study or learn. That attitude might be enough to get you your first job or keep you employed, but it will never make you rich. A willingness to learn to improve your career and finances are essential if you want to eventually become wealthy.

7. You buy things you don't use: Take a look around your house, in the closets, basement, attic and garage and see if there are a lot of things you haven't used in the past year. If there are, chances are that all those things you purchased were wasted money that could have been used to increase your net worth.

8. You don't understand value: You buy things for any number of reasons besides the value that the purchase brings to you. This is not limited to those who feel the need to buy the most expensive items, but can also apply to those who always purchase the cheapest goods. Rarely are either the best value, and it's only when you learn to purchase good value that you have money left over to invest for your future.

9. Your house is too big: When you buy a house that is bigger than you can afford or need, you end up spending extra money on longer debt payments, increased taxes, higher upkeep and more things to fill it. Some people will try to argue that the increased value of the house makes it a good investment, but the truth is that unless you are willing to downgrade your living standards, which most people are not, it will never be a liquid asset or money that you can ever use and enjoy.

10. You fail to take advantage of opportunities: There has probably been more than one occasion where you heard about someone who has made it big and thought to yourself, "I could have thought of that." There are plenty of opportunities if you have the will and determination to keep your eyes open.

Durian is the Healing King of All Fruits

Saturday, August 08, 2009 by: Sheryl Walters, citizen journalist


(NaturalNews) Durian is a little known fruit from Asia
that has an extremely pungent smell and an amazingly
sweet taste. The smell of the durian fruit is so bad that
many hotels in the areas where durian grows will not allow their guests to have the fruit in their rooms. But those who brave the smell are quickly won over by its beautiful taste and amazing health benefits. Unlike most fruits the durian is left to fall from the tree as this is a sign that it is ripe to eat. People in the local villages of South East Asia, where the durian is most common, call it "The King of Fruits," and they will clear the floor under the trees near to harvest time and then camp near them for up to two months just to make sure they get the fruit at its peak. This is a truly exceptional and healing fruit.

Health Benefits of Durian

Traditionally the durian fruit was seen as a powerful aphrodisiac, while women would eat the ashes from burnt durian skins to help them recover after child birth. But concoctions made from the leaves of the durian tree were also used to help reduce swelling and cure skin disease. More recently nutritionists have claimed that the durian fruit can help lower cholesterol and cleanse the blood as well as cure jaundice and alleviate fevers.

Experts even say that you can rid yourself of yeast infections such as thrush through eating the durian fruit. This is because of the durian's high iron content that helps the white blood cells in our body make specific chemicals that kill off the infection.

The durian is also packed with amino acids as well as Vitamins B, C and E and many people are even comparing the sweet custard like centre of the durian fruit to the goji berry for its high levels of anti oxidants. These anti oxidants help slow down the destruction of cells from free radicals such as pollution and smoking; in doing so, they decrease the effects of aging on the skin giving you a younger more refreshed look.

Among the amino acids found inside the durian is tryptophan. Tryptophan is essential for making and maintaining serotonin levels in the body. Serotonin is the hormone in the body that regulates our happiness. People with low serotonin levels tend to have short tempers, are often moody and suffer from depression. This means that not only will eating the durian fruit help keep your body running smoothly but it will also increase your general happiness and wellbeing.

GOOD NEWS FOR ALL DIABETICS

DR. TONY ALMEIDA ( Bombay Kidney Speciality expert ) made the extensive experiments with perseverance and patience and discovered a successful treatment for diabetes. Now a days a lot of people, old men & women in particular suffer a lot due to Diabetes.

Ingredients:
1 - Wheat flour 100 gm
2 - Gum(of tree) (gondh) 100 gm
3 - Barley 100 gm
4 - Black Seeds (kalunji) 100 gm

Method of Preparation Put all the above ingredients in 5 cups of water. Boil it for 10 minutes and put off the fire. Allow it to cool down by itself. When it has become cold, filter out the seeds and preserve the water in a glass jug or bottle.

How to use it?
Take one small cup of this water every day early morning when your stomach is empty.
Continue this for 7 days. Next week repeat the same but on alternate days. With these 2 weeks of treatment you will wonder to see that you have become normal and can eat normal food
without problem.
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A woman (65) was diabetic for the last 20+ years and was taking insulin twice a day, she used the enclosed homemade medicine for a fortnight and now she is absolutely free of diabetes and taking all her food as normal including sweets ...........................

The doctors have advised her to stop insulin and any other blood sugar
controlling drugs.

Remedy for H1N1 Flu

Photo : Star Anise

Got the recipe from a friend who is studying chinese medicine. In case swine flu comes around and you cannot get hold of Tamiflu, no harm trying. Tamiflu may run out very quickly given that the manufacturers need about 3-4 months to produce them.

Star anise is a spice ingredient used in chinese cooking and it is cheap in Malaysia to buy them, so no harm trying out.

Use 9 star anise, 6 cups of water, boil in earthern pot if possible or else avoid steel/metal pot.

Boil for about 30-40 mins until about 4 cups left. Drink twice daily over the flu period. Above volume good for 2 adults per day.

To add flavour, add couple of red dates (remove seed before boiling).


You can read his blog if you like.
http://xiaoyao2.wordpress.com/2009/04/27/flu-outbreak-empire-strikes-back/#comment-1524

Ripe Bananas and Anti-Cancer Quality

The fully ripe banana produces a substance called TNF (Tumor Necrosis Factor) which has the ability to combat abnormal cells.

So don't be surprised very soon the shop will go out of stock for bananas.

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As the banana ripens, it develops dark spots or patches on the skin. The more dark patches it has, the higher will be its' immunity enhancement quality.

Hence the Japanese love bananas for a good reason.

According to a Japanese scientific research, banana contains TNF which has anti-cancer properties. The degree of anti-cancer effect corresponds to the degree of ripeness of the fruit, i.e. the riper the banana, the better the anti-cancer quality.

In an animal experiment carried out by a professor in Tokyo U comparing the various health benefits of different fruits, using banana, grape, apple, water melon, pineapple, pear and persimmon, it was found that banana gave the best results.

It increased the number of white blood cells, enhanced the immunity of the body and produced anti-cancer substance TNF.

The recommendation is to eat 1 to 2 bananas a day to increase your body immunity to diseases like cold, flu and others.

According to the Japanese professor, yellow skin bananas with dark spots on it are 8 times more effective in enhancing the property of white blood cells than the green skin version.
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How does TNF kill cancer cells?

Tumor necrosis factors (or the TNF-family) refer to a group of cytokines family that can cause cell death.

Mechanism

TNF acts via the TNF Receptor (TNF-R) and is part of the extrinsic pathway for triggering apoptosis. TNF-R is associated with procaspases through adapter proteins (FADD, TRADD, etc.) that can cleave other inactive procaspases and trigger the procaspase cascade, irreversibly committing the cell to apoptosis.

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TNF interacts with tumor cells to trigger cytolysis or cell death. TNF interact with receptors on endothelial cells, which leads to increased vascular permeability allowing leukocytes access to the site of infection. This is a type of localized inflammatory response, although systemic release may lead to septic shock and death.