Building A Custom Chopper Motorcycle, Where Do You Start?

So you want to build a custom chopper? I do too, so the first question I asked myself, is where do I start. Should I make a business plan, a schedule, a financial statement, or should I just buy my wife some flowers and blindly proceed? I guess I should do all of the above but not necessarily in that order.

I will start by trying to justify this purchase and or endeavor, to do this I will make a list of my reasons for building a Chopper. 1) I want to ride a custom chopper, a totally cool stretched out, fire breathing, gas eating, pavement pounding, old lady scaring, 2 wheel monster. 2) I want to be able to say “I built that” when someone asks me where I got that totally sick bike. 3) I want to be able to customize the bike beyond the standard add on parts I can get for my current bike a Harley Davidson Fatboy. 4) I want to be able to make this dream come true, meaning I need to be able to pay for it. A $35,000 chopper is out of my current budget. 5) I have been talking about this for 5 years so why don’t I get to it and stop doing all the talking and start doing some building.

Now I have a few reasons on paper a will look at my options, then make a plan, a schedule, and find some extra money.

Let’s start with a my build options, and plan on a slow and steady approach. I realize I will need to do a lot of research before I start. I have 4 basic options, a kit bike, a rolling chassis, a start from zero build, or an extreme makeover of a current motorcycle.

Option 1) If I start with a motorcycle kit I maybe the farthest ahead from a mechanical perspective, and farthest behind from a financial point of view. What do I mean by this, well a kit bike has all the parts it just needs paint, labor, gas, oil and some love. The problem a complete kit bike will cost me $12,000 dollars right up front. This is a bit out of my spend a ton of money now then not be able to ride a bike for a year or two thinking. If I get a kit, I maybe able to get it together faster, as I will be motivated and have all the parts ready to go. As a first bike I think this is a very good option, when you consider all the expensive mistakes I may make along that way. One drawback to this option is the amount of customization I can do to the bike as it is put together. Because all the parts are in the kit, I may resist the urge to get new bars or different sheet metal, or other parts.

Option 2) Start with a Rolling chassis, this is the middle of the road option, spend a lump sum of money, about 1/2 of what the overall bike will cost and get a basic setup that all works together.

A Rolling chassis kit consists of a Frame, 2 wheels, the forks, and triple clamps and bars, all build and configured to work together. Add a motor and a transmission and all the major workings of the bike are in place. This setup helps avoid some of the major work needed to mix match and fit these items together. This option also allows for a ton of customization in the parts that people see and the parts that give a bike it’s personality. For me this is a very serious option to consider. I would only have 1/2 the cost and 1/2 the parts sitting around and gathering dust until I get time to get it together.

Option 3) Find each and every part one at a time and build a completely custom motorcycle. I know I could do this, but I also know I will encounter more unexpected and possibly expensive issues with this type of build. This option would give me a bike that no one would ever duplicate. This could be very good or this could be very bad. What if some possible combination of frame, motor, forks, or wheels didn’t work together? It would not be discovered until the motorcycle was all together. I think this option is better left to the serious professional who build bike all night long, as the are working on other peoples bikes, and running businesses during the day. I may consider this for my second custom chopper.

Option 4) Take an existing bike and start cutting and changing it. This is maybe as involved as chopping and re-welding the frame to create a new rake and angles. Or it could mean just getting a new frame and using the engine, transmission, and various other part to build a new machine. I like this idea, and I think it would be a lower cost alternative to all new custom parts. With this option you are also able to keep the current registration and title if the frame is not replaced. This is also a lower cost option because a lot of the miscellaneous parts can be reused.

I know that in one page all the possible combinations of Custom Chopper build can’t be completely explained, I just hope this information give you something to start with and build on. It has help steer me in the direction of a rolling chassis, so I better get shopping.

Flu Prevention and the Gym Member

Health officials’ warning this month of a potentially harsh flu season should be a red flag to avid aerobic-bunnies and gym-jocks alike. The Centers for Disease Control (CDC) warn that the flu is transmitted when flu virus in the air is inhaled after an infected person coughs, sneezes, or speaks. Transmission also occurs when a person touches a surface that has flu virus on it and then touches his or her nose or mouth. Those familiar with the typical health club milieu, then, can easily liken a workout in the gym to sitting in a veritable Petry dish…

Heavy-breathing members on closely-placed cardiovascular machines and in crowded group fitness classes, hundreds of kinds of shared equipment from dumbbells and weight plates to public restrooms and the corner water fountain provide countless opportunities for contact with the flu virus. So, short of ditching our fitness goals until mid-Spring, it would do us well to learn more about the flu, it’s prevention, and what we can do about it.

What is the flu?

The flu, or influenza, is a contagious disease caused by the influenza virus. It attacks the respiratory tract in humans (nose, throat, and lungs). The flu is different from a cold; it usually comes on suddenly and may include these symptoms:

  • Fever
  • Headache
  • Tiredness (can be extreme)
  • Dry cough
  • Sore Throat
  • Nasal congestion
  • Body aches

About 10% to 20% of U.S. residents will get the flu each year. Among these persons infected, an average of 36,000 will die, and 114,000 will be hospitalized. Although the CDC claims it is not possible to accurately predict the severity of the flu season, this year’s early incidence of Type A flu strain is historically associated with a more severe flu season, including higher numbers of related hospitalizations and deaths. To make the outlook more grim, an epidemiological assessment by the Centers for Disease Control (CDC) already reports “widespread” influenza activity in over 10 U.S. states.

Who is at risk?

Although anyone can get the flu, including individuals who are healthy, there are various groups who are at higher risk for complications. These high risk groups include:

  • persons aged > 50 years;
  • residents of nursing homes and other long-term care facilities that house persons of any age who have long-term illnesses;
  • adults and children > 6 months of age who have chronic heart or lung conditions, including asthma;
  • adults and children > 6 months of age who need regular medical care or had to be in a hospital because of metabolic diseases (like diabetes), chronic kidney disease, or weakened immune system (including immune system problems caused by medicine or by infection with human immunodeficiency virus [HIV/AIDS]);
  • children and teenagers (aged 6 months to 18 years) who are on long-term aspirin therapy and therefore could develop Reye Syndrome after the flu; and
  • women who will be more than 3 months pregnant during the flu season.

How to Prevent Getting the Flu

Health officials are encouraging people, particularly those in high-risk groups to obtain a flu shot. The CDC states that an annual flu shot is the best way to reduce the chances that you will get the flu.

The best time to get a flu shot is from October through November, although you can still benefit from getting the vaccine after November, even if the flu is present in your community. Be aware that it takes about two weeks after the vaccination for antibodies to develop in the body to provide protection.

Obtaining the vaccine does not guarantee a flu-free season, however. Influenza viruses are constantly changing, and vaccine effectiveness depends on the match between vaccine strains and circulating viruses and the age and health status of the person getting the shot. Although the strain in this year’s flu vaccine is different from the circulating strain, the CDC states that studies indicate that the vaccine should provide some cross-protection against the circulating A strain.

Some people resist getting the flu shot because of the belief that they will get severe side effects, or even the flu itself, from the vaccine. The viruses in the vaccine are inactivated, so you cannot get the flu from a flu shot. Certain side effects are possible, such as soreness, redness, or swelling where the shot was given, fever (low grade), and aches.

Chances that the shot will cause serious harm, or death, is very small and allergic reactions to the vaccine, though possible, are rare, states the CDC. Most people who get the vaccine have no serious problems with it. However, the following groups should not get a flu shot before talking with their doctor:

  • People with an allergy to hens’ eggs.
  • People who have had a severe reaction to a flu shot in the past.
  • People who have developed Guillian-Barre Syndrome in the 6 weeks following a flu shot.

Since obtaining vaccination doesn’t necessarily guarantee immunity against the flu, it is wise to add common sense to our prevention efforts while we are busy pumping iron at the health club. Old fashioned hand-hygiene can go a long way in helping to prevent flu transmission. Although you don’t want to spend your entire workout running to the restroom to wash your hands after every set, it’s certainly advisable to make sure your hands are clean before and after the workout. Refrain from touching your nose and mouth during the workout to avoid obtaining the virus. Use of hand-antiseptics which include alcohol can also help to prevent transmission of the flu virus.

What to do if you get the flu

So what if you obtain a flu shot, practice stellar hand-hygiene and manage to contract the flu anyway? Since it is impossible to tell if you have the flu based on symptoms alone, visit your doctor. Tests can be performed in the first few days of the illness to determine the diagnosis. Since influenza is caused by a virus, antibiotics won’t work to cure it. You need to rest, drink plenty of fluids, avoid using alcohol and tobacco, and possibly take medication to relieve symptoms.

The CDC warns never to give aspirin to children or teenagers who have flu-like symptoms, particularly fever, without speaking to your doctor. Doing so can cause a rare but serious illness called Reye syndrome.

By all accounts, we may be in store for a particularly harsh flu season this year. Take precaution to reduce the likelihood of getting the flu, particularly if you are an avid gym-goer. Preventative measures may not only help to avoid the flu, but also interrupting hard earned progress on your fitness goals.

For more information about the flu, it’s transmission, prevention and treatment, check out the CDC website at http://www.cdc.gov/ncidod/diseases/flu/

What Is The Difference Between Investment Management and Stockbrokers?

The investment services industry can be daunting and ambiguous for individuals who seek a return on their capital. After working hard earning your wealth, it is important to understand the different services offered by professionals and what solutions fit you personally. One of the main questions we get asked here is:

“What is the difference between investment management and stockbrokers?”

Firstly, let’s discuss what stockbrokers are – we all have a much better, clearer, idea of what they do and who they represent. Stockbrokers are regulated firms that offer financial advice to their clients. A stockbroker buys and sells equities and other securities like bonds, CFDs, Futures and Options on behalf of their clients in return for a fee or commission. A brokerage / stockbroker will receive a fee on each transaction, whether the idea is profitable or not.

A brokerage can specialise in any investment niche they wish for example:

  • FTSE All-Share stocks,
  • AIM stocks,
  • European Stocks,
  • Asian Stocks,
  • US Stocks
  • Combinations of the above
  • Straight equities,
  • Straight derivative trading (CFDs, Futures & Options)

The main reason why investors choose stockbrokers over any other professional investment service is simply down to control. Due to the nature of a brokerage firm, they can only execute a trade after you instruct them to do so. This means it is impossible for a brokerage to keep buying and selling securities without you knowing – known as churning for commission. This doesn’t however prevent stockbrokers providing you with several new ideas a week and switching your positions to a new idea.

However, there are natural flaws with the brokerage industry is that because trading ideas can only be executed after being instructed to list a few flaws;-

  • you may miss out of good opportunities due to moves in the market,
  • you may get in a couple of days later because you were busy and not make any money after fees,
  • you may receive a call to close a position but unable to without your say so.

The above are examples that can happen when investing with brokerage firms, but this is due to the reliance of gaining authorisation from their clients. So if you are ultra busy or travel a lot then you could potentially miss out on opportunities to buy or sell.

What are investment managers?

Now we understand what stockbrokers / brokerage firms are about, let’s discuss what investment management services can do for individuals.

Investment management firms run differently to brokerages. The core aspect to these services is that the professional investment managers use their discretion to make investment decisions. As a client of an investment management firm you will go through a rigorous client on boarding process (just like a brokerage firm) to understand your investment goals, understanding of the services being used, risk profile, angering to the investment mandate and allowing the service to manage your equity portfolio. The sign up with the service may seem long winded but it’s in your best interest to ensure the service is suitable and appropriate for you. In reality, it’s not a long winded process at all. Once you agree to the services offered then you will only be updated on the on-going account data and portfolio reporting in a timely manner. This means no phone calls to disrupt your day-to-day activities and allows the professionals to focus on your portfolio.

Investment management firms usually have specific portfolios with a track record, into which you can invest your capital according to you appetite for risk. These portfolios will focus on specific securities, economies, risk and type of investing (income, capital growth or balanced). All of this would be discussed prior or during the application process.

Another method used by investment management firms is different strategies implemented by their portfolio managers. These strategies are systematic and go through thorough analysis before investment decisions are made.

The fees usually associated with investment management firms can vary from each firm. There are three common types of fees and are usually combined, fees can be;-

  • Assets Under Management Fee – This is where you pay a percentage of the portfolio per year to the firm, usually an annual fee. E.g) 1% AUM Fee on £1,000,000 is £10,000 per year.
  • Transaction Fee – This is a fee associated with each transaction made through your portfolio – similar to the brokerage firm’s commission.
  • Percentage of Profits Fee – This is where any closed profits generated over a set time will be charged to the firm. E.g) 10% PoP Fee – the firm generates you closed profit of £10,000 in one quarter – you will be charged £1,000.

The main benefits provided from investment management firms is that after the service understands your needs and tailors the service around you, it is their job to build a portfolio around you. It is also the job of the investment management firm to adhere to the investment mandate you agreed on, we’ll take about this later, so you understand of the time frame given what you should expect. Another bonus why high-net worth individuals choose investment management services is because they are not hassled by phone calls every other day with a new investment idea.

The difference…

The main difference between investment management and stockbroking firms is:

  • Investment Managers offers discretionary services; no regular phone calls about stock ideas.
  • Stockbrokers give you more control as you can personally filter out ideas you think won’t work.
  • Investment Managers offer an investment mandate; this is where the investment management service provides a document of what they are offering you in return of managing your portfolio. You will understand what exactly they are targeting over the year, based on what risk, and should they achieve it – then they have fulfilled their service. E.g) the mandate could state that the strategies used and based on 8% volatility (risk), they seek to achieve 14% capital return.
  • Stockbrokers do not offer an future agreements but look to deliver growth during the time you are with them. They are not bound by their performances like investment managers.
  • Investment management firms have a track record for all of the strategies and services used, stockbrokers do not.

Which to choose?

Both services provide professional approaches to investing in the stock markets. Stockbrokers are chosen over investment managers by people who like to be in control and receive financial advice. Stockbrokers generally do not have a systematic approach to the markets but use selective top-down approaches to select stocks.

Investment managers are chosen by investors who want an agreement on their performances over the year and understand the risk up-front. Usually more sophisticated investors that wish to take advantage of the track-record and gain an understanding of the systematic approach used by the investment management firm.

Feel free to learn more.

DISCLAIMER: The above is not considered financial advice or any endorsement to use any particular service. If you wish to use any of the services mentioned, please seek independent advice.

RISK WARNING: Spread betting, CFD, futures and options trading carries a high level of risk to your capital and can result in losses that exceed your initial deposit. They may not be suitable for everyone, so please ensure that you fully understand the risks involved. Past performance of a managed service is not a guide to future performance.

Deadly Staph – Tips for the Prevention of Staph Infections

Over the past few years some dangerous Staph bacteria have become resistant to antibiotics. Only recently has the news media focused on this serious new health problem, which is of urgent concern to our schools. These killer bacteria, called methicillin resistant Staphylococcus aureus or “MRSA”, have recently caused panic in schools in the USA. Some infected students have become seriously ill and some have died after these antibiotic resistant bacteria invaded their blood stream. Most Staph bacteria only causes minor skin infections and are treated with antibiotics. Serious and deadly infections however, develop when antibiotic resistant bacteria (MRSA) is involved. The best methods for prevention of all types of Staph infections involve general cleaning strategies which can be incorporated into the routine cleaning practices at all schools. Here are some tips for limiting the possibility of Staph bacteria infecting your students:

1.) Establish a daily and routine environmental cleaning schedule for your school restrooms and dining areas. The cleaning staff should be trained and monitored to be sure they understand and practice thorough and effective cleaning procedures. Your local health department can provide advice on procedures.

2.) Use germicidal products or a solution of 1 part chlorine bleach and 9 part water to clean any surface that is subject to frequent touching by students, including light switches, doorknobs, faucet handles, hand rails and all restroom fixtures. Use soap and water at a minimum, preferably an all-purpose cleaner, for a daily cleaning of all other floors and surfaces.

3.) Install automatic soap dispensers, automatic hand dryers and automatic paper towel dispensers. These touch-free automatic dispensers will reduce student’s exposure to appliances that are frequently the source of hand transmitted bacteria. like Staph. If your school still utilizes the old manual hands-on dispensers it will be nearly impossible to clean them frequently enough to eliminate the spread of bacteria.

4.) Immediately clean up any surface that has a visible body fluid contamination such as blood, urine or other body fluid.

5.) Make sure automatic soap dispensers and automatic paper towel dispensers are filled with product at all times. This should be part of the cleaning personnel daily routine. Refill the dispensers daily.

6.) Encourage good hygiene. Students should be cautioned against sharing water bottles and personal items, encourages to shower after gym classes and other physical activities.

7.) Require that students cover cuts, abrasions and lesions with a proper dressing (bandage) until healed. Athletics staff should monitor this closely among their athletes.

8.) Clean all items used in athletic activities with an all-purpose cleaner and wash uniforms after each use.

9.) Publish, articulate and post reminders to staff and employees the importance of frequent hand washing with soap and water or the use of germicidal hand gels. Your schools restrooms and cafeteria should have warning signs posted in highly visible areas reminding everyone that hand washing is a requirement of your facility and is everyone’s responsibility.

Following these simple cleaning routines will greatly reduce you schools risk of bacterial infections of all types, including Staph and viruses, such as the flu, and the common cold.

Your Life GPS

Lately I’ve been hearing from many people that their spirit guides have left them. This is not true. They haven’t left. They’re just getting out of the way so you can learn how to move forward under your own power.

After 12/21/2012 your spirit guides began stepping back in order to allow you to fulfill your destiny – that of taking your power back. This process involves learning how to utilize your own innate wisdom instead of relying on your spirit guides, angels, and other people and beings to whom you have given your authority in the past.

It’s much like watching a small child learn how to walk. Initially the child is supported and guided by an adult. At some point the adult lets go of the child’s hands in order to allow them to learn how to walk on their own and travel in the direction of their choice.

So it is with your spirit guides. They’re letting you know that it’s time for you to walk your life path using your own knowledge and wisdom, and choosing your own direction.

Oh, they’re still around in case you really need them for guidance. But remember, they’re spirit guides, not directors. They now serve in a different capacity. Rather than being your commanders and issuing orders to you, they’re now serving as your advisors.

Much like the GPS system you use in your car, your spirit guides are now acting as your Life GPS, ready to give you directions to a destination should you ask. However you have the power to choose if you want to follow their suggested route, take another route, or even if you want to use your Life GPS or not.

Just as the highest and best purpose of a GPS is to advise you as to the best route to take to your desired destination, it’s still only advice. You have the power of choice as to whether you want to follow that advise. You are now empowered to choose how you want to get to your destination. You have the power to choose a new and different destination at any time. YOU are now in command of your life.

Although a GPS is handy, it’s not infallible. Often it can lead you to an incorrect address. Likewise, spirit guides can give you advice that isn’t correct or accurate.

With a GPS your location is sent to a satellite and then bounced back to the GPS in your car, where it’s displayed on maps stored within the GPS. There may be distortions in the   transmission  of the data. Additionally, the data within the GPS may be outdated or incorrect.

Similarly, your Life GPS  transmissions  may be corrupted. After all, your spirit guides are transmitting through other dimensions and realities. Most of them have never been human, so they can only advise you from their perspective, which may be lacking in current and correct data.

Only you know the correct directions for you to make as you travel on your life path. Use your spirit guides as your Life GPS and remember… it’s advice, not orders.

What Causes Yeast Infections in Women – 3 Things That Will Shock You

What causes yeast infections in women? The answer may surprise you. This is one of the most common health issues that women experience. Tens of thousands of women are treated by doctors for this uncomfortable and embarrassing condition every day.

Yeast infections know no bounds of race, age, or geographic location. Any woman is susceptible to them. While there are a lucky few who are never bothered by this problem, most women will experience at least one yeast infection on their lives.

Once you learn what causes them, you’ll have a better idea of how they can be prevented.

1. Yeast infections can happen anywhere on your body. While the vagina is the most common location for these infections in women, problems can also happen in the blood, on the skin, and in the mouth. Dark, wet, and damp conditions cause yeast infections, so places on or in your body that have these conditions are breeding grounds for yeast.

In the blood, these infections manifest themselves as such things as PMS, depression, arthritis, and ADHD. On the skin, yeast causes rashes, and in the mouth, it causes thrush. Babies who get diaper rash are suffering from yeast infections (after all, a wet diaper is the perfect place for yeast spores to grow).

Eliminate these conditions, and you’ll be putting up a strong barrier against yeast.

2. Sugar feeds yeast. People who eat sugary diets are prime candidates for yeast infections. If you don’t consume a lot of sugar, it’s unlikely yeast will grow into much of a problem, even if you’re exposed to it. However, the more cookies and cake you eat, the worse your infection will become.

3. Yeast can be sexually transmitted. Men can be contaminated with yeast, but not have any symptoms. They can then pass it to their sexual partners without knowing it. The women get yeast, and pass it back to their partners in turn, creating a never-ending cycle of   transmission .

Attacking yeast at its roots is the best way to get rid of it for good. Even if you keep your body clean and dry, avoid sugar, and have protected sex, if you’ve already had an infection in your life, the yeast could still be there, lying dormant.

You’ve got to kill it all to ensure it won’t come back. There is a way to do this, and it’s safe and natural. Learning what causes yeast infections in women is easy, and getting rid of them for good can be easy as well, if you know what to do.

Offshore Investment – The Ideal Way for Saving Your Wealth

What Is Offshore Investment?

Offshore investment refers to a wide variety of investment strategies that take advantage of tax benefits offered outside of an investor’s home country.

There is no scarcity of money-marketplace, bond and equity assets offered by trustworthy offshore investment companies that are fiscally sound, time-tested and, most importantly, legal.

What Is Offshore?

Offshore explains the repositioning by an entity of a trade process from one countryside to another, typically an operational process, such as manufacturing, or supporting processes. Even state governments make use of offshore investment. More recently, off shoring has been associated primarily with the sourcing of technical and administrative services supporting domestic and global operations from outside the home country, by means of internal (captive) or external (outsourcing) delivery models.

“Offshore ” is usually to portray a country where there are also no taxes or low taxes for foreign persons either individual or commercial.

It is a truth that offshore investment havens have crafted a unique legally recognized and tax free climate for overseas individuals and businesses. They offer specifically to them. More than half the world’s assets exist in such asset havens.

Monetary privacy, a steady legal environment and realistic rulings are the trademark of these jurisdictions.

When we converse about offshore investment financial companies, the term invokes up an image of enormous, shadowy monetary monoliths, investing funds without any transparency.

Advantages

There are many reasons why people like investments in offshore:

1. Tax Reduction

Many nations, recognized as tax havens, offer tax inducements to overseas investors through an offshore investment. The positive tax rates in an offshore investment possible country are intended to encourage a vigorous offshore investment atmosphere that magnetizes outside wealth. For tiny countries like Mauritius and Seychelles, with only a few reserves and a small population, offshore depositors dramatically increased their economic activity.

Offshore investment occurs when offshore depositors outline a company in an overseas country. The corporation acts as a shield for the investors’ financial credits, shielding them from the higher tax load that would be acquired in their home nation.

Because the corporation does not engage in local operations, little or no tax is enforced on the offshore investment company. Many overseas companies also benefit from tax-exempt category when they put in in U.S. markets. As such, making ventures through overseas corporations can clutch a distinct benefit over making investments as an individual.

2. Confidentiality

Numerous offshore investment jurisdictions have confidentiality legislation which creates it is an unlawful offense for any worker of the financial services commerce to disclose possession or other information about their clients or their dealings.

But in the examples where unlawful proceedings can be proved, identities are being disclosed. Thus the Know Your Client due diligence documents are becoming just more complex.

Disadvantages

The main drawbacks are those of costs along with ease.

Many investors like to be capable to meet up and speak to the person setting up their incorporation of offshore investment companies and traveling to the tax haven costs funds.

In a number of nations you are taxed on your universal revenue, so not disclosing offshore investment returns is illegal. In other countries having offshore accounts are unlawful for individuals but authorizations can be obtained from companies.

Several banks in offshore jurisdictions need smallest amount in investments of US$ 100,000 and higher, or to possess assets locally.

The kinds of offshore investment companies usually existing are:

  • Trusts
  • Resident Offshore Company
  • International Business Company
  • Protected Cell Company

These types of companies also exist.

E.g.: Many mutual funds and hedge funds whose investors favor ‘ off shore country’ ventures.

But for average financiers like us too can form offshore companies of relatively small size to fulfill our most everyday needs. Or we can put in, via our off shore investment expert, into offshore companies to own investments in special funds.

There are various uses:

  • Trading Companies
  • Professional Services Companies
  • Shipping Companies
  • Investment Companies
  • Intellectual Property & Royalty Companies
  • Property Owning Companies
  • Asset Protection Companies
  • Holding Companies
  • Dot Com Companies
  • Employment Companies

Trading Companies

Import/Export and general trading company’s activities are also compatible with the structure of offshore investment companies. The offshore investment company acquires orders from the supplier and has the goods distributed directly to the customer.

It does the invoicing to the customer and saves the difference in a tax free country. E.g. Products from China to Kenya could be invoiced by a Seychelles or RAK offshore incorporation and the revenues retained there.

Individuals utilize offshore investment companies to acquire mutual funds, shares, property, bonds, jewelry and precious metals. Sometimes they will also apply these companies to trade in currency, equities and or bonds. The wealthy will also have diversified offshore investment companies for different division of possessions; for different countries or by different categories of investments.

The diversification evades the risk. But also in cases where capital increases taxes are levied, e.g. in property or equity, sometimes it is cheaper to sell the company rather than the individual asset itself.

Professional Services Companies

Individuals, e.g. counselors, IT experts, engineers, designers, writers and performers working outside their local country can gain momentously from using an offshore investment business. The offshore investment business demonstrates the individual as a company worker and gets a fee for the services rendered by the ’employee’ [possessor]. This fee is received and saved tax free. The person can then receive the imbursement as he or she hopes to minimize their taxes.

Shipping Companies

The utilization of offshore investment companies to possess or license commercial ships and pleasure craft is very familiar internationally. Shipping companies mount up earnings in tax liberated offshore jurisdictions and, if every ship is placed in a separate offshore investment company, it can get hold of considerable asset security by isolating liabilities of each individual craft.

Investment Companies

Individuals make use of offshore venture companies to then buy mutual funds, shares, bonds, property, jewelry and expensive metals. Sometimes they will also use these companies to operate in currencies, equities and or bonds either via the internet or through managed funds run by banks and financial institutions. The wealthy will also have diversified offshore investment companies for dissimilar class of assets; for different countries or by different varieties of investments.

The diversification evades the threat. But also in cases where assets gain taxes are levied, e.g. in goods or equity, sometimes it is economical to sell the company rather than the individual asset itself.

Intellectual Property & Royalty Companies

Offshore investment companies are being seen as vehicles to own Intellectual Property and royalties received for software, technology rights, music, literature, patents, trademarks and copyrights, franchising, and brands. These companies are in the type of trusts or foundations.

Property Owning Companies

Owning property in an offshore investment company saves you the funds gains taxes that may be levied at the occasion of the property’s deal, which are avoided by selling the business instead of the property. Other significant benefits are the authorized prevention of inheritance and other transfer taxes.

Mainly, in some countries, e.g. Islamic ones, inheritance is via Shariah regulation and not your determination. So an offshore possession will make sure that the assets owned outside the country need not be distributed according to Shariah Law.

Asset Protection Companies

It is estimated that a professional in the US can be expected to be sued every 3 years! And that more than 90% of the worlds lawsuits are filed in the US.

Amazing statistics!

If you have an income or assets of more than US$ 100,000, you should seriously consider offshore investment companies!

Most offshore jurisdictions require that for a lawsuit, a lawyer must be hired and paid up front before a suit can be filed, thus keeping frivolous lawsuits away. Often a substantial bank bond has to be placed by the government, to even implement a lawsuit. It can also (take years of waiting) to get into court in some offshore investment jurisdictions.

If you have substantial liquid assets you should consider a Trust which would own the offshore company. This will provide a greater degree of protection, at the least expense.

However, we should remember that this structure is for asset protection, not for tax savings and so that the focus should be maintained.

Holding Companies

Offshore investment companies can also be used to own and fund operating companies in different countries. They could also be joint venture partners or the ‘promoter’ of publicly quoted companies. Mauritius is well suited as a country for investing companies because of its favorable double tax treaties.

Dot Com Companies

The internet has made the cost of business entry very low and consequently the legal protection of the company’s assets, both physical and intellectual, that much easier. Dot Com companies now use this flexibility to develop different software projects in different offshore investment companies to invite different investors and to keep the flexibility of raising funds separately for different projects depending on the project’s success. Both Mauritius and Seychelles have Protected Cell Company [PCC] structures available for just this kind of need.

Then there is the possibility of receiving your funds earned on the web into an offshore company’s bank account. Would that be of interest to you?

Employment Companies

Multinational companies use offshore investment companies to employ expatriate staff who are deployed in different tax jurisdictions around the world. To facilitate transfers, reduce the employee’s taxes and administer benefits easily an offshore company employment is preferred. Working on assignments throughout the world.

How to Know If You Have Male Yeast Infection

Many males will be embarrassed by the fact that they have a yeast infection and will often not seek any medical help. A yeast infection is not something to be ignored and this article should help you to at least determine whether or not you have a yeast infection.

While, it is commonly said that a male yeast infection is a minor problem that can be eliminated by maintaining proper personal hygiene, the fact is that neglected male candidiasis can lead to severe health complications up to damaging the male reproduction organs. This is why it’s obligatory to learn about the symptoms of male yeast infection and ways to initially and properly diagnose the condition.

The following 5 categories will help you to know if you have a male yeast infection:

1. Painful

Things such a jock itch, burning sensations during sexual intercourse or urination. If the pain is server it is a good idea to see a doctor or seek out treatment immediately.

2. Visual

These include dry skin which may be flaky, redness of the penis head and in extreme cases a white discharge.

3. Indigestion

These will include problems such a constipation, diarrhea, intensive gas an in extreme cases even bad breath.

4. Fatigue

A simple lack of energy and mood swings.

5. Sexual dysfunction.

The inability to get or maintain an erection without pain occurring.

6. Dietary preferences changes

Most common of which are cravings for sweets and refined carbohydrates, etc. This is a bad thing because if you have a male yeast infection these types of foods should be minimized

Note that the last four male yeast infection category symptoms are associated with almost any other yeast infection subtype as well. This fact supports the widely accepted alternative medicine philosophy that claims that candida balanitis is first and foremost an internal problem that needs to be addressed holistically rather than a local or external condition.

If you are able to identify any of these symptoms then it is very likely that you have a male yeast infection. Many men are not very forthcoming about seeking help but this is a dangerous approach because a yeast infection should be looked at and treated as soon as possible.

Online Dating Should Be an Olympic Sport

The Olympic Games program consists of 26 sports, 30 disciplines and nearly 300 events. It is a global event with monumental interest and cultural significance in our world. As such, I would like to formally submit Online Dating/Dating to the International Olympic Committee for consideration of inclusion as an Olympic sport for the 2012 or 2016 games.

Think this is just another boneheaded idea from your friends in the online dating world? Consider this:

Olympic sports are governed by International Sports Federations (IFs) who are in turn recognised by the International Olympic Committee (IOC) as the global supervisors of their respective sports. In layman terms, that means the big dog IOC lets the little dog IFs manage everything on a local level. Well, such a little dog already exists in the online dating world in the form of reputable online dating websites. That is right, there are some reputable dating websites that are good enough to be called established “Federations.” These websites can be the global governing body of online dating! That was the first step. Now to convince the IOC that online dating is a sport.

In terms of Olympic competition, think about it we could classify the online dating world into men, and women, then break it down further into specific weight classes, or even personality types within those weight classes. These men and women would then compete with one another physically (through flirting), intellectually (through questioning) and visually (physical appearance). It is the perfect blend of a sport. The winning Gold medalist will have to spend years in the gym training to be physically sound, spend years in school or the library “learning” to become smart, and behind all the muscles and misogynistic intellect, still be graceful in delivery and presence. The winner of the online dating would be perfect athlete, the Opus Olympian.

Not convinced it would work? Maybe your mind will change after reading this:

In October 2004, the IOC established an Olympic Programme Commission who’s job was to review all existing sports, and other non-recognised Olympic sports. In this review the goal was to apply a systematic and category approach to each sport and evaluate whether or not it met the criteria for inclusion in the Olympic games as a recognised Olympic sport. This Commission came up with seven criteria to judge whether a sport should be included or not.

1) History and tradition of the Sport

2) Universality

3) Popularity of the sport

4) Image

5) Athletes’ health

6) Development of the International Federation that governs the sport

7) Costs associated of hosting/playing the sport

The above seven criteria my friends is what a sport or discipline has to meet in order to be considered for inclusion at the Olympic Games. Period.

Does Online dating meet these 7 criteria? Lets find out:

1) History and Tradition – Check! Dating is the oldest tradition on the planet that was around before any of today’s current Olympic sports.

2) Universality – Check! I’m pretty sure dating and the sport of interpersonal communication and sparing has universal appeal. I mean, we do it every day!

3) Popularity of the sport – Check! I’d say Dating was pretty popular. Wouldn’t you? Everybody does it. Even animals. I don’t see penguins playing Soccer or Baseball, but I do see them date.

4) Image – Check! Dating is all about attraction and reflecting a positive and beautiful self image. Those who partake in the sport of dating exude the highest standard of image compared to any sport image or sport athlete! Who likes to date an unbathed, rude, and dirty human being? Puhleeze.

5) Athletes Health – Check! Dating athletes date, and date often. As such, they take their own personal health very seriously. Education about Sexually Transmitted Disease start at a young age, and practicing safe sex to maintain good sexual health is part of the every day routine for those who date.

6) Development for International Federation that governs the sport: Check! The International Federation for Online Dating, a reputable dating website, would very much benefit from online dating being included in the Olympic games.

7) Low cost of holding the sport: Check! How much does it cost to look at the person next to you and start a conversation?

In conclusion, Online Dating meets all the criteria for inclusion as an Olympic sport, in many ways better than existing Olympic sports. Consider Curling – Who is that helping? How about Fencing? Serious people… how on earth is swatting somebody with a piece of wire going to benefit people or project a good self image? Give me a break.

So without further adieu, I would like to formally submit online dating to the International Olympic Committee for consideration and recognition as a recognised Olympic Sport in the year 2012 or 2016…or even 2020. I’m not picky.

Thank you very much.