Tuesday, June 10, 2008 

Does Time Really Exist; Is Time Real

Many people have reason to believe that Time does not exist and will simply not accept it just because these are considered generally accepted truths. In fact this is exactly how the conversation started at our Online Think Tank recently. Indeed this is wise thinking and it is amazing what people can be led to believe by mass media hysteria or often culture or educational indoctrination.

Although there is observational evidence that time might exist this is not to say that it actually does. In fact time as we know it may not exist; it could be just our perception, would not surprise me in the least. There are some experiments going on right now that might shake things to its core if they prove out. Our research scientists may be in for a mind-blowing discovery and these truths will change the way we live.

Mark from Houston a guest of our Online Think Tank states that: Time is quite necessary for many calculations and theories, but that doesn't mean it exists. Therefore I'm more interested in equations that don't include time, and that throws the speed of light out the window.

Wow, now you can see why running an Online Think Tank is so much fun and yes we talk about this a lot. For instance the Washington State University Experiment, we had actually discussed in the Online Think Tank before they announced their experiment.

Where a light was activated but the vibrational waves it creates would move out before the light and then those waves would turn off the starting of the light itself using co-axial cables capable of sending the signal to shut it off also faster than the speed of light, thus you have the vibrations from the light that never existed. Cool stuff to think about.

Here is an old article I wrote back in April of 2005;

http://ezinearticles.com/?Creating-Artificial-Time-in-a-Vacuum-With-Pulsed-Lasers&id=26011

Mark goes on to say; Furthermore, since time is not constant, even if it does exist, it immediately throws the hunter off the path of truth.

Indeed it would. Although it also depends on what you are hunting for and what you consider to be Truth? Philosophical argument I guess? Fun stuff. Well I hope you have enjoyed a glimpse into the Internet World of Online Think Tank hypotheticals. And perhaps this might propel thought in 2007.

"Lance Winslow" - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; http://www.WorldThinkTank.net/. Lance is a guest writer for Our Spokane Magazine in Spokane, Washington

 

Careers In Herpetology And Herpetoculture

So you think you want to establish a career where you get to work with reptiles and amphibians. If that is the case, this article is for you. Why did I write an article about getting what seems to be an easy-to-obtain job? First, there are a lot of people who contact zoos, museums, and websites asking just that question. While there are some pamphlets available that briefly address the question (ASIH, no date; SSAR, 1985), there are few other published resources available (Barthel (2004); Sprackland and McKeown, 1995, 1997; Sprackland, 2000). There are some guides to entering the academic world of biology (i.e., Janovy, 1985), but these generally focus on career paths in the university world, while the field of biology is far broader than herpetology or even organismal zoology. This article, then, gives professional colleagues a resource that may help them answer specific questions from their clients.

Second, many people do not consider a career in herpetology or zoology until they reach the stage where it has become obvious that their collections have outgrown their personal resources. They either wish to expand their contact with large reptiles in a zoological park setting or perhaps wish to engage in meaningful field or laboratory studies. Among the ranks of this group are many seasoned and competent herpetoculturists, and they form a significant group seeking information about how to "turn pro."

Career Options I: The Private Sector

There are probably more paying opportunities in the private sector than can be found among the zoological parks and academic markets combined, though it may also be safe to say relatively few private sector jobs will pay a living wage. Among the jobs that can be classified as "private sector" are those that receive funding as commercial, for-profit ventures. Typical jobs would include animal dealers, pet shop workers, breeders, lecturers, and writers. For most of these positions, success will be based largely on experience and knowledge-from whatever source you obtained it-and less so on formal academic training. Some notable herpetologists came from the ranks of the privately employed sector, including Lawrence Klauber, Constantine Ionides, E. Ross Allen, Steve Irwin, and Hans-Georg Horn, as well as many of the most knowledgeable contemporary reptile breeders.

Working in the private sector generally has two paths available to you. First, you may work for someone who owns a reptile-related business. Pay is variable in such situations, and may be based more on the financial condition of the business than on any experience you may bring. Perhaps the more financially rewarding route is to operate a business of your own. Many commercial breeders start by specializing in a single species (such as leopard geckos) or a genus (such as rat/corn snakes). From there you may branch out to handle other species, or you may remain a specialist dealer and supply your personal passion for exotic reptiles with a private collection.

There are also herpetological supply businesses, school lecturers, and reptile food suppliers, among other possibilities. The key to making any of these ventures work is to tackle them as serious business activities. Take some business classes, or buy some good books about writing a business plan (essential for getting loans) and operating a small business. Take advantage of free advisory services of friends in business or the U.S. government's SCORE program (Service Corps Of Retired Executives), where experienced business people will review business plans and loan requests, discuss accounting and inventory control, and be available to help in a myriad of ways that will make you life easier and business more likely to succeed.

Career Options II: Zoological Parks

It was once true that if you were willing to clean cages and apprentice under an "old timer," you could get a position at even the most prestigious of zoos. By the last third of the 20th century, though, a variety of factors at zoological parks had changed drastically. Operating costs, including salaries and benefits, utilities, insurance, cost of animals, and greater competition for visitor's dollars all made it essential to streamline the operations and assure better-trained staff from their date of hire. People wishing to work in the animal care departments were routinely expected to have completed a two-year associate's degree in biology, animal husbandry, or zookeeper training. Now it is much more likely that a zoo will want new hires to possess a bachelor's degree and have a few years' experience as either a zoo volunteer or part-time worker. Moving into management may require you to have a master's degree as well.

Why all this focus on academic qualifications? There are several reasons, and we'll examine each in detail. First, of course, is that many employers see completion of a college degree as an indicator of your ability to take on a long term project, with all its ups and downs, and finish. An associate's degree program at one of the few community colleges that offers such a course of study will consist of far more hands-on (or "practical") time working in a small zoo that a student would get in a traditional university setting. The two-year course is vigorous, and potential zookeepers will be trained across the lines of the zoo world, being exposed to bird and large mammal care, administration and administrative duties associated with a broad spectrum of possible career positions. The more traditional and popular four-year university degree route may entail little practical zoo keeping experience, but provides a very broad range of classes that include English (good communication skills are expected of new hires), math, history, Western Civilization, philosophy, chemistry, physics, biology, and a variety of optional, or elective, courses. There is rather little focus on zoology during the four year program, so a candidate who can "tough it out" is seen as being a well-rounded individual with a solid background in sciences and who can complete a long-term project that appears to have little direct bearing on the final goal.

The second reason for wanting a strong college background in new zookeeper hires is because animals are becoming more expensive to acquire, maintain, and replace. Zoo managers rightly expect modern keepers to know considerably more about the anatomy, physiology, behavior, and diseases of the animals for which they will have responsibility. The keeper is the first line of action for keeping animals healthy and recognizing when something may be wrong, and the better trained the keeper, the better he or she should be at handling that responsibility. College teaches students how to do research, and the working zookeeper may have to use library, on-line, or professional contact sources to get information necessary to the well being of animals.

Breeding was once the rare and much-heralded accomplishment of few zoos, and then only for large, usually mammalian charges. The pre-1965 efforts were often on so-called "postage-stamp collections" of animals, where zoos would try to obtain one specimen each of as many species as possible. With the mid-1960s enforcement of the U.S. Lacey Act, establishment of the Endangered Species Act and the beginning of CITES, zoos were limited in their abilities to acquire new animals. It quickly became fashionable, responsible, and fiscally necessary to learn to breed more species and use progeny to populate zoo collections. During the pioneering days of captive husbandry, zookeepers with a greater knowledge of physiology, reproductive biology, and the natural history of the animals in their care had a decided advantage over other keepers. Such staff members became crucial to the continued success of many zoo missions, helping drive the recruitment of new employees with a more solid and diverse background in the science of biology.

Third, many zoos have come under increased scrutiny both by the general public, wanting to be sure that the zoo's mission is actually being accomplished, and by groups who advocate against the keeping of any animals in captivity at all. Today's zookeeper needs to know how to educate the public to the needs of animals and the important roles played by well-run zoological parks. An indispensable part of being such a zookeeper is to have a broad view of the mission coupled with exceptional speaking and/or writing skills. Every keeper is also an ambassador for their zoo and the value of all zoos to the visiting public. Employers often equate your ability to handle these tasks with the training you received in university.

Career Options III: Academia

The academic world has much to offer, but also makes considerable demands. Careers under this heading include primarily university positions-almost all of which have teaching responsibilities as well as research-and the small number of museum curators. For an entry into any of these fields a candidate must certainly hold a doctor of philosophy (Ph.D.) degree, and most jobs now also require you to have held a postdoctoral position as well. There has been a fair amount of discussion since the middle 1990s to create a new post-Ph.D. degree, the chancellorate, but most critiques argue that by the time a student would attain that degree, they would be facing retirement age!

An academic herpetologist may have the greatest freedom to explore the topics of personal interest, especially in a museum setting, but even there the job will require expertise and skills that extend beyond studying reptiles. University and museum professionals enter the profession as assistant professors or assistant curators. They will be charged with setting up a research program that is funded by grants-which they must raise with limited institutional help. Earning a grant means having a solid research proposal, excellent writing and budgeting skills, and the resources that will guarantee the promised results if you are funded. Your employer will also expect a certain quantity of peer-reviewed publications (those that appear in the scientific or technical journals) from you. If, after three to seven years, depending on the employer, you meet these goals, you will probably be offered a promotion to associate professor or associate curator and tenure. Tenure means that, barring an extremely serious breach of responsibility, you have a job for life.

But it is not as easy as the previous paragraph describes to get tenure. You will also need to serve on committees, provide input on institutional projects, and establish some sort of interaction with the broader community. Each of these tasks is designed to give you the chance to be seen as an authority in your subject and prepare you for increased responsibilities in the future. Your success or failure will also weigh in on whether or not you earn tenure. On top of all this, university faculty are also expected to teach, which means that you will essentially be charged with two very distinct jobs.

College Preparation

College education is not for everyone, and with the increased competition for available entry slots in each year's classes coupled with ever increasing tuition and related expenses, it should be a well-planned and carefully considered step (Sprackland, 1990). For those of you still in high school-or for parents whose children want to prepare for a career in herpetology-I shall offer some basic advice on how to prepare for college. The sooner you can start your efforts, the better, because you will need three solid years of the right kinds of high school courses in order to be seriously considered for admission to a good university. Opt for the college-prep route, and take three or more years of math (algebra, geometry, algebra II, and calculus), three of laboratory-based science (biology, chemistry, and physics), and work to excel in English, particularly composition. By the junior year of high school you should be researching colleges. Find out which schools offer degrees and courses of interest; not all schools offer zoology paths, and of those that do, not all offer courses in herpetology. Start reading one of the major scientific journals (Copeia, Herpetologica, and Journal of Herpetology) and study where the authors are who have interests that coincide with yours. Each scientific paper includes the author's address and, almost universally, e-mail address. When you find authors you wish to contact, do so. Write a brief polite letter introducing yourself and expressing interest in studying herpetology. Ask for information about the author's university, its courses, degree offerings, and admission requirements. Plan early, because entry requirements vary somewhat among universities.

If you choose to go the community or junior college route, there are some differences in your procedure from what you would do to get into a four-year school. You do not need the same rigorous high school course load to enter a community college, and entry requirements vary from none to minor. There is little difference to the student between the first two years of college whether at community or four-year colleges, and in many cases the former is a better educational deal. Why? Because unlike four-year colleges, community colleges do not employ graduate students to teach. Faculty almost universally have at least a master's degree plus several years' experience as instructors, providing a considerable potential edge over the graduate student teacher.

Once enrolled at community college, you must meet two objectives if you wish to eventually earn a solid bachelor's or higher degree. First, be sure to register in courses that will transfer credit to the four-year school you plan to attend. If this is not possible-some universities do not recognize some community college courses as adequate-then have an alternative university to aim for or go directly to the four-year school of your choice. Second, take every course as seriously as you can. Work to earn an A average, especially in science, math, and English composition courses. Don't waste your time at community college, assuming it is the easy alternative to a four-year school; this is rarely the case. Many community college instructors are leaders in their respective fields. The late Albert Schwartz was a herpetologist who probably did more than any other zoologist to study and document the herpetofauna of the Caribbean islands, and he is still extremely highly regarded by his peer community. Yet for his entire career, Schwartz taught only at a community college. Several distinguished herpetologists are doing just that even today.

When enrolling at university should you sign up for the bachelor of arts or bachelor of science program? There is a small difference, though few students (or graduates) know what it is. In the bachelor of science (BS) track, you have almost all of your courses determined by a university-set plan. You are required to take specific classes and have very few elective options. The bachelor of arts (BA) is more liberal; it still has a considerable number of required courses, but you have far more latitude in elective class choices. Because my interests were so broad in my undergraduate days, wanting to study paleontology, Latin, and philosophy as well as zoology, I opted for the BA program. Had I taken a BS route, I could not have taken such a range of classes and still graduated in four years.

Graduate School and Post Graduate Options

Graduate school is definitely not for everyone, though it is absolutely essential if you wish to obtain an academic career or a position as a senior zoo employee. Collections managers and zoo keepers typically opt for a master's degree, which provides advanced coursework and a chance to engage in some project or activity that has a direct bearing on the requirements of an advanced career path. A doctoral degree is a research degree, meaning the recipient has been trained to conduct original studies. This is the degree needed for professorial and curatorial positions. The vast majority of people who plan to earn a doctorate do not need to earn a master's degree en route.

Master's programs take from 18 months to three years of full-time effort, and include a large number of courses, some research or work as research assistant in a lab, and often require a written thesis based on library or research work. Some master's programs will require you to either work as a research assistant or as a teaching assistant, supervising laboratory sessions. Doctoral programs in the United States start off similar to the master's route, and with classes, lab or teaching duties. Upon completing a set of qualifying examinations, the student becomes a candidate for the degree and begins working on an original research project, which will eventually be written up as a thesis. If the thesis passes faculty scrutiny, the Ph.D. is awarded. U.S. doctoral programs typically span five to seven years of full-time effort, after which the herpetologically oriented graduate faces a daunting job market. If you want a Ph.D., go ahead and earn it, but do not assume it is a guarantee of an academic job. During the particularly tight job market of the 1980s and 1990s, my contemporaries joked that Ph.D. stood for "Pizza Hut Delivery." (This seemed somewhat appropriate given that we survived graduate school by ordering astronomical numbers of Pizza Hut pizzas to our labs; now "the hut" could pay our salaries!)

If you decide to enter graduate school, begin your job hunt no later than a year before you plan to get a master's degree, or two-and-a-half years before a Ph.D. Once again, read the journals, attend conferences, and find out where people are with whom you would be compatible as a new colleague. Whose research could complement yours and help you on the road to tenure? Make those contacts early and make sure you have people who will vouch for you when those precious jobs become available.

CAREER OPTIONS IV: MISCELLANEOUS

Perhaps none of the previous categories applies to your interests. That still leaves a considerable number of possible careers that will allow at least some work with reptiles. Most require a bachelor's degree, though a job announcement will often claim "master's degree preferred." Among the choices are-

Government biologist-Positions with federal and state wildlife agencies sometimes allow study of herpetofauna. Among the obvious agencies are fish and wildlife, game, and environmental services. However, biological work is also undertaken by the U.S. Geological Survey, forest services, and occasionally in military research (the U.S. Army and Navy long operated a considerable snake venom research facility).

Teacher-Both primary and secondary school teachers have numerous opportunities to acquaint children with the natural world. In many states the teacher must hold a degree in a content area-say biology or zoology-while other states accept applicants whose degree is in education. Check carefully to determine the requirements for the state in which you wish to teach.

Community College Instructor-As tertiary schools have increased their dependency on lower-paid part-time instructors (who typically do not receive health or retirement benefits), the ranks of part timers has exploded. While the working conditions are extremely variable, part-timers can expect to have limited or no campus office space, no faculty standing, and perform the same teaching duties as full-time colleagues, but for 40% to 70% of the hourly pay rate. The rare full-time opening in this market is considerably more attractive, and carries no research, grant-seeking, or "publish-or-perish" responsibilities. Generally, the candidate must have a master's degree in biology, teaching experience, and the ability to teach some combination of general biology, microbiology, and anatomy and physiology.

Writers-Natural history writing has its ups and downs, but many a herpetologist has earned at least some money from commercial publication. Choose a niche, such as writing about herpetoculture or more broadly about a specific group of animals, to get started. Financial success will ultimately depend on reliability, excellent writing skills, and the ability to expand to reach broader audiences. The more biological or scientific topics you can cover, the more your potential income. Although herpetology is my grand passion, I have also published on the topics of education, philosophy, sub-micron electronics, non-metal conductors, evolution, venom research, and history.

Photographer/illustrator-Just as a financially successful nature writer must reach a wide audience, so too must the photographer or illustrator. Few, if any, of these professionals make a living wage by only illustrating reptiles; there is more security in animals and general nature shots.

Veterinarian-A secure field if you do not plan to care only for reptiles. Like graduate school in general, there are serious academic hurdles to meet, and competition for openings (there are fewer vet schools than medical schools) is fierce.

REFERENCES- Ackerman, Lowell (ed.). 1997. The biology, husbandry and health care of reptiles. 3 volumes. TFH Publications, Neptune, NJ.

ASIH, no date. Career opportunities for the herpetologist. American Society of Ichthyologists and Herpetologists, Washington, D.C.

Asma, Stephen. 2001. Stuffed animals and pickled heads: the culture and evolution of natural history museums. Oxford University Press.

Barthel, Tom. 2004. Cold-blooded careers. Reptiles 12(12): 64-75.

Burcaw, G. Ellis. 1975. Introduction to museum work. American Association for State and Local History, Nashville.

Cato, P. and C. Jones (eds.). 1991. Natural history museums, directions for growth. Texas Tech University Press, Lubbock.

Janovy, John. 1985. On becoming a biologist. Harper & Row, NY.

Myers, George. 1970. How to become an ichthyologist. TFH Publications, Neptune, NJ.

Pietsch, T. and W. Anderson (eds.). 1997. Collection building in ichthyology and herpetology. American Society of Ichthyologists and Herpetologists Special Publication 3, Lawrence, KS.

Rajan, T. 2001. Would Darwin get a grant today? Natural History 110(5): 86.

Sprackland, Robert. 2001a. To the parents of a young herpetologist. Bulletin of the Chicago Herpetological Society 36(2): 29-30.

Sprackland, Robert. 1992. Giant Lizards. TFH Publications, Neptune, NJ.

Sprackland, Robert. 1990. College herpetology: is it for you? Northern California Herpetological Society Newsletter 9(1): 14-15.

Sprackland, Robert. and Hans-Georg Horn. 1992. The importance of the contributions of amateurs to herpetology. The Vivarium 4(1): 36-38.

Sprackland, Robert. and Sean McKeown. 1997. Herpetology and herpetoculture as a career. Reptiles 5(4): 32-47.

Sprackland, Robert. and Sean McKeown. 1995. The path to a career in herpetology. The Vivarium 6(1):22-34.

SSAR. 1985. Herpetology as a career. Society for the Study of Amphibians and Reptiles, Cleveland.

Winsor, Mary. 1991. Reading the shape of nature: comparative zoology at the Agassiz Museum. University of Chicago Press.

Zug, G., L. Vitt, and J. Caldwell. 2001. Herpetology: an introductory biology of amphibians and reptiles. Second edition. Academic Press, San Francisco.

The author is a professional herpetologist who has worked in university, museum, community college, zoo and other positions. The awaited second edition of his classic book, GIANT LIZARDS, is set for release in October 2008 from TFH Publications.

 

How to Clean-up Your Allergies with 2 Easy Home Tips

Its that time of year again when people who have allergies complain about nasal congestion, coughing, and wheezing, itching, shortness of breath, headache, fatigue, hives and other skin rashes. Many people experience allergies due to pollens from outdoors combined with foods and indoor stagnant air carrying dust, mold, and other air pollutants.

So how can you stop this yearly cycle? What can you do at home to end this increased intrusion of allergy problems. Where can you go for relief if your allergies have gotten out of hand.

Would you like to:

Enjoy parks and other outdoor public areas

Have pets that you can live with

Eat foods you have avoided

Feel great without fatigue

Sleep better than ever

Relieve stress often allergies increase stress to your system.

Keeping your body detoxing (self-cleaning) is one of two important steps you can do at home. A simple Yoga pose done correctly can keep your own personal cleaning crew (your immune system) in tune.

Sit on the floor as in the picture on your heels with feet 2 inches apart. Exhale as you slowly bend forward toward floor with your upper body. Try to have your forehead touch the floor in front of you. Place your arms on floor place with hands under your feet and index finger in the valley or web between the big toe and the 2nd toe. Breathe in deeply. Breathe in and out slowly for 1 minute. Your goal is to work up to 2 minutes. After each time relax on your back and allow your muscles to relax for a few minutes. This pose stimulates the bodys ability to cleanse itself. It helps detox the liver, lungs, stomach, spleen and bladder.

Secondly, how clean is your environment? Clients often come to me to treat their allergies however, if your home and office need a good seasonal cleaning allergy treatments only will work for a short time even if your problem is food centered.

Many foods contain natural molds, for example bananas, grapes, and most other fruits. Or their own dust such as anything than can made into a flour like wheat, corn, potatoes, and more. So keep your home and office as clean as possible. The accumulation of dust and mold in your office or home and on foods can actually create allergy intolerance. Here are a few tips:

Detox your home and office. Use Organic products found at the local health food market.

Dust using a damp cloth. Safe organic dusting products keep your environment toxin free

Use machine washable curtains and clean regularly. Natural laundry soap is best

Dont store things under the bed. Dust or vacuum under beds weekly.

Do not allow stuffed animals in the bedroom inside materials often contain sawdust.

Remove dust catchers like pennants, pictures, trophies, books, models and dried or silk flowers from bedroom

Use an air filter and clean filters regularly

Vacuum furniture and carpet regularly. Use a newer vacuum that doesnt use bags and comes equipped with a self-cleaning air filter system so dust doesnt go into the air.

Limit birds, animals or reptiles in the house.

Bath your household animals often. This means every 7 to 14 days.

If you have a pet allergy do not sleep with your pet. Provide them with their own bed right outside your bedroom door for both your comfort.

Dont groom animals in the house.

For more information on allergies and treatments please read the full article: How to Stop Your Allergies in 7 Easy Steps in our website archives.

The Wealth Connection 2 Steps to Brighten Your Golden Years
Estimated Reading Time: 4 minutes

Envision your life 10 or even 20 years from now. Where do you plan to be? What are you doing and with whom?

Most of us between the age of 35 and 50 years hope to be retired to some degree in 15 to 20 years or less. We see ourselves living on retirement funds enjoying life and family. I have never had a client tell me they see themselves penniless or sick. Yet, these same clients fail to have a full plan.

They may have a retirement fund at work and other investments but how are these performing? Did you plan a financial foundation? What does your Wellness Investment program look like?

Many people tell me they dont have a financial foundation program or Wellness Investment program in place. Regardless of age and health it is never too late to start planning. It is better than no plan at all. In this article I will give you 2 of the 21 most important Wealth Connection Steps I offer in my online course.

Ask yourself, how does wealth connect to your health? Does it at all? Today most people would agree that finances play a part in how we feel. Lacking funds can add stress to ones life and play a major part in your health. Ill-health can rapidly eat away at savings if you do not have a wellness plan other than health insurance.

In fact, I advise you rethink health insurance. What I mean by this is that it is what it says it is. Health insurance is for ill-health issues. Only a few health insurance programs are wellness insurance.

Health insurance also dictates the kind of care you can receive. Wellness insurance on the other hand is still an emerging system. A few companies do offer these types of plans and we do not endorse any insurance company as my job is to educate you a bit and you must look at what is right for your specific needs.

The wellness insurance programs I have seen work like this. The self employed or business can purchase these programs. They have major medical benefits for hospital and sometimes prescription drugs. They also have a fund where part of your premium goes that earns interest. Thats right interest. You can use this money for any type of care you desire including alternative medicine of your choice. Any funds you dont use in a given year stays in your personal account earning interest year after year. At a certain age you can take this money out and use it. I have seen accounts that reach 30k and more. Why buy health insurance you do not use?

Step One
Look into Wellness Insurance programs. Only purchase from a known insurance company. One whose name you have heard of in the past that offers regular polices as well. It is buyers beware market so do your research.

Step Two
What amount do you personally put into your saving account each week? Most people say I have it drawn from my paycheck. This is not what I mean. Think about how much you spend each day on simple things like coffee or food. Can you spare $5.00 per week? I have only met one person who said they couldnt even save this much. Six months later this person who didnt become a client phoned me and said they had been doing it and it really worked. Heres the plan short and sweet I go into more detail in my online program. Contact my office for more details of how to receive a free 7-part on line e-course.

Each week whether you have your paycheck direct deposited or not; have as much as you can afford withdrawn from your account and placed in a savings plan at an investment firm like Charles Schwab. Use who you wish and make sure they have an automatic withdrawal program and that the funds go into a savings program.

Every quarter double the amount you are putting in. If you find you really arent missing this money from your daily life; double it every month. Dont be surprised if you start looking forward to saving and adding more to how much you put away each week.

Once this account is equal to 6 months income we move this money into a different type of account I go into future foundation steps in the online program. But we keep putting funds into the savings.

What happens is we have at the base a 6 to 9 month savings account earning a bit better than a bank savings account. Next level is a certain type of money market with the same amount of funds earning a slightly higher interest rate, and so on up through Our Wealth Mastery program.

Point in fact, recently Today on MSN offered a glance at the habit of millionaires. Simple foundational planning won hands down.

Bonus Tip
Invest in your wellness. Visit an alternative doctor like a NCCAOM licensed acupuncturist. This ensures you are seeing someone who has completed an accredited program at an Oriental Medical College. Many acupuncturists are licensed through medical doctor or chiropractic programs. These programs lack in training and number of hours to meet. Make sure your practitioner is an active member of The National Certification Commission for Acupuncture and Oriental Medicine. Even if you love your doctor, choose a NCCAOM acupuncturist for this job after all would you take your child to a gynecologist just because they deliver babies?

Or if you own a Porsche would you take it to a Honda dealership just because you also own a Honda. No, we take our loved ones and possessions to the experts. Do the same with your health.

Why do I suggest an acupuncturist? They are trained in wellness care and health care. Oriental Medicine practitioners know how to work with all types of illness and keep you well. Plan ahead even if you feel great get an evaluation now and follow a wellness program so that you continue to feel great into your golden years.

A wellness program may simply mean visiting your acupuncturist and massage therapist one time each month. Add up the dollars you save by not getting sick.
Invest this savings in your financial foundation.

If you have health issues, think how you will be in 10 years from now if you keep ignoring and minimizing your health, using drugs or having surgery without exploring other options. Acupuncture is virtually painless and offers greater relaxation than even massage.

Dr. Debra Novotny L.Ac, D. Hom; ND
http://www.alternativehealthmentor.com

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