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A New Way to Get Cheaper Car Insurance

With regards to less expensive auto protection, the greater part of us are listening eagerly on the grounds that we as a whole need to have the capacity to pay less cash for auto protection. We as a whole perceive that it is an essential abhorrence. Despite the fact that it appears as though we are tossing cash out the window on the off chance that we go for quite a while, maybe even years, and don’t make a solitary claim on it, yet that one time where we get into a mishap, we compliment ourselves and gesture of congratulations ourselves for having had the foreknowledge to have good auto protection.

Yet, that doesn’t mean we are not looking for less expensive auto protection. There are obviously a significant number of the undeniable approaches to cut the expenses of that protection. Those techniques would incorporate raising the deductible sum for either the far reaching as well as impact scope, or even to dispose of the crash scope for a more established auto that is as of now totally paid off.

One of the better approaches to get less expensive auto protection that many individuals don’t know about is to enhance your FICO assessment and your FICO assessment. Truly! How about we look somewhat nearer at why this is the situation.

Your credit report (and coming about FICO rating and FICO assessment) are an impression of your identity according to the credit departments. While initially made to JUST give data about your credit and installment propensities, it has turned out to be considerably more than that, and contains data about where you work, the amount you make, to what extent you’ve worked there, any assessment liens or judgments against you, and substantially more than is in fact not “charge installment history” data.

Huge numbers of the auto insurance agencies have gotten going to play a part with this and they supposedly have factual confirmation that demonstrates that individuals with bring down FICO ratings make more auto protection claims. Like some other comparative articulation, this can’t be viewed as a sweeping explanation that applies to everybody, except a considerable lot of the auto insurance agencies are solidly persuaded this is pertinent to enough individuals where they are making this another organization approach.

Numerous common activity bunches are battling this, however in the meantime, it is hard to battle something where the factual confirmation goes down the cases that the auto insurance agencies are making.

What would you be able to do? The best thing you can do, which you ought to do at any rate, is to make strides beginning right now to enhance your FICO assessment. Get duplicates of your credit report and analyze them with extreme attention to detail to ensure that there is no off base data being accounted for about it. The greater part of customer credit reports contain blunders, and those mistakes don’t get adjusted until the point that YOU provoke them. Meanwhile, those mistakes are being utilized to figure your financial assessment, with the final product being that your FICO rating is presumably lower than it should be.

Find a way to raise your FICO assessment, which is both your great as your obligation to yourself, and you could find that your auto protection rates are lower subsequently.

Natural Therapy for Maintaining Healthy Blood Pressure

One of the more common treatments for high blood pressure are ACE inhibitors. When your kidneys detect low blood pressure, they release an enzyme called renin, which stimulates the formation of a protein called angiotensin I. Angiotensin I is then converted by the angiotensin-converting enzyme (ACE) in the lungs to a very potent chemical called angiotensin II. Angiotensin II is a powerful blood vessel constrictor that causes muscles surrounding the blood vessels to contract, resulting in narrowing of the blood vessels. This narrowing of the vessels increases pressure in the vessels and can result in high blood pressure .

The ACE Inhibitors block the action of the angiotensin-converting enzyme in the lungs so that angiotensin I is not converted into angiotensin II. This allows blood vessels to remain widened, which results in lowering of the blood pressure. ARBs block the action of angiotensin II itself, so that vessels dilate, making it easier for the heart to pump blood, and results in lower blood pressure .

The natural bioactive casein hydrolysate tripeptides in Melaleuca’s ProStolic™ act as a natural blocker to the formation of angiotensin II. Also included in this proprietary blend is pomegranate juice powder, which inhibits activity of the angiotensin-converting enzyme as well. A third ingredient is passionflower extract. Although researchers don’t know exactly how passionflower works, they believe that flavonoid and alkaloid compounds in the plant regulate the neurotransmitters in your nervous system that reduce anxiety. One of these flavonoids in particular, chrysin, helps to calm your central nervous system and lower your blood pressure.

Combined with the proprietary blend of tripeptides, pomegranate juice powder and passion flower extract, ProStolic™ also contains potassium and calcium to provide a well-rounded natural remedy to help promote healthy blood flow and naturally maintain healthy blood pressure, but without the side effects so common with medications.

Tripeptides are formed when milk casein is broken down into smaller pieces. Several different peptides have been studied, but a significant amount of research has determined that the tripeptides Isoleucine-Proline-Proline (IPP) and Valine-Proline-Proline (VPP) have the most supportive evidence for their efficacy, safety and bioavailability The natural bioactive hydrolyzed casein (a combination of tripeptides IPP and VPP) is an active ingredient included in the proprietary blend in Melaleuca’s ProStolic™. These tripeptides are derived from nonfat milk casein, and have been clinically proven to help maintain healthy blood pressure. Most studies show that blood pressure is lower after 2 weeks of daily consumption of IPP and VPP, and reach a stable level after 4-6 weeks.

Like the mechanism of action of the commonly prescribed ACE Inhibitors, the natural action of tripeptides block the formation of Angiotensin II, which normally causes the blood vessels to narrow. But that’s where the similarity ends. Studies show that IPP and VPP tripeptides accomplish the blockage of Angiotensin II without the side effects so common in ACE and ARB medications. In 2001, an 8-week placebo-controlled, double-blind study was conducted on 30 people with mild or moderate hypertension. Results of the study showed a significant decrease in blood pressure of IPP and VPP test subjects, but no change was seen in the placebo group. In addition, no adverse reactions such as dry cough, digestive tract symptoms or abnormal changes were observed.

Organic Coffee Promotes Better Health

Around the world coffee is the second most traded item in the world, coming in just behind crude oil (although a distant second we’re sure). How ever as more and more people are paying attention to what they’re drinking and eating, organic coffee is sneaking up in the market share race.

Organic coffee wasn’t a real concern when coffee first gained people interest way back in 800 AD. It was a drink reserved for the wealthy and royalty, even in 1800’s when Brazil claimed the honor of having the largest international coffee crop, still no one was concerned where or with what the beans were grown.

Fast forward to toady, and there are strict rules and regulations for how any food product can or cannot be grown. Especially if you’re looking to grow an organic product. Organic coffee is primarily grown in mountainous areas, where insecticides and fertilizers can become part of the lower watershed once they’re washed down the hills from heavy rainfalls.

Many companies today are providing organic coffee, each require certification and designation as per the Organic Food Production Act set fourth in 1990. This act outlines the requirements for growing organic coffee, as well as how their testing can be carried out and what they must do to hold onto their certification.

Growing Fields Must Be Certified Organic

Now it’s not just the growing and handling that must be considered and certified organic when growing coffee. The ground that it grows in must also be free of any ingredients or non-organic substances for at least the last 3 years.

Because the act requires so many intricate modifications to the regular growing process, organic coffee will cost a little more then a non organic brand. Healthy conscious consumers are willing to pay the price for the better beans. AS most organic growers believe that growing the beans with only natural methods and no artificial chemicals helps keep the natural flavor.

Whether the taste is superior to a non-organic coffee is up to the coffee drinker, but there’s no arguing that the organic growing process produces a healthier bean for us to make our favorite cup of joe from.

Nursing Degree – Health Of The Future

It is far from a hidden truth that there is a shortage of nurses in the United States. Hospitals, doctors and nursing homes have been clinging to dear life for years in the attempts to find and keep a good group of nurses. With the shortages in the profession, the pay rate has climbed to far exceed expectations and this leaves nurses with many options. For the nurse this is an excellent opportunity, but for the providers it can prove costly. If you are on the fringe of making a decision between a nursing degree and some other here are some things to consider.

The American Association of College Nursing estimates that there will be a shortage of over 300,000 nurses by the year 2012. That could not only create a hazard to the medical industry, but also provide nurses with an excellent paying career. Nursing is one of those careers that not only provides good pay, but also gives the individual the greatest reward ever. This reward can be seen on a daily basis with the fact that they help those in need and it is the thanks in the eyes of a child that sustains the career choice.

There are several options that nurses have afforded to them. There are different certifications in nursing and with them brings different duties as well as pay. Another positive about the nursing profession is the fact that there are so many options. One nurse may work in Pediatrics and another can work in Geriatrics. There is no limit to the opportunities in the nursing field. Here is a look at the types of certifications and a little bit about each.

LVN/LPN:

A year’s worth of college training and a set amount of experience can help you obtain the certification of either LVN/Licensed Vocational Nurse or LPN/Licensed Practical Nurse. While completing the required academic requirements the nursing student will spend time shadowing nurses, doctors and other health care providers for hands on and/or practical experience. After all the requirements have been fulfilled the nursing student will be expect to take the state exam, which is not easy. It is recommended that students purchase a good study guide or course to refresh and prepare for the test. A LPN or LVN can expect to make an average of $37,000 per year. LVN or LPN can be responsible for administering medications, giving injections, drawing blood and/or starting IV’s as well as a host of other medical duties.

RN:

The RN or registered nurse is gained by attending college for two to three years and passing the state’s respective exam. The test consists of educational material as well as practical information, making it necessary to study for the exam. The major shortage in nursing comes with the licensure of the registered nurse. The RN certification opens many doors and opportunities to those wanting to pursue a career in the medical profession. In most cases the Registered Nurse oversees other medical tech., interns, LPN (LVN) and Certified Nurses Aids. The average salary reported on the Internet for a RN is in the range of $55,000 per year. RN’s can work in private practice, doctor’s offices, hospitals, traveling situations as well as other medical options.

BSN:

The BSN or Bachelors of Science in Nursing can be obtained after a nurse completes a bachelor’s degree from an accredited university. Many universities are now offering an online option or correspondence classes for nurses to achieve the higher level of education. The RN may wish to return to school to enhance his/her skill and salary level. This transition may not be obvious to a patient by sight, but the experience and knowledge could be a tale-tale sign. A BSN also looks better on paper and hospitals, doctors, nursing homes will ring your telephone off the wall. Generally, the BSN works in a managerial position reviewing case files, dealing with administrators and advocating for patients, but can hold a variety of other nursing positions. The Internet reports the average salary for a BSN at well over $60,000 per year.

Regardless of the nursing path that is chosen, it is extremely important to prepare. While in school take good notes, keep textbooks and other information obtained during the educational experience. Pay close attention in the practical training provided in the hospital or with other medical professionals. The state exam that you will be taking to obtain your license must be taken seriously. There are a variety of great preparatory study guides that will help prepare you for your big day. It is also recommended and advisable to obtain the furthest degree in nursing possible. The more education and letters behind your name the more opportunity that you will have. Nursing is one of those fields that no matter where you go or live there is always a job waiting for you.

All You Need To Know About Rental Car Insurance On Your Credit Card

OUR TRIP WOULD HAVE BEEN PERFECT IF IT WASN’T FOR THAT CAR ACCIDENT…

Voyaging and amazements go as an inseparable unit and if all shocks were charming, life would be great. Leasing an auto for a long end of the week trip with companions is a typical standard in North America and who is to deny disasters occur with the best of us. It is appalling and miserable when they do, yet driving in another city or domain can be more diverting than hearing your prominent music band playing on the radio on a dull and exhausting Monday morning drive to work. Regularly you helpfully expect your Visa covers pile up protection, until the point when the day you’re in a mishap and find generally. That is the reason today I need to dive further into Rental Car Protection offered by charge cards and uncover some imperative things that will help you whenever you’re thinking about an auto rental administration.

WHERE CAN I FIND IT?

There are right around 80 charge cards in Canada today which are “outfitted” with the Rental Car Protection highlight. Giving the way that a normal Canadian has more than 3 charge cards, the odds of you as of now having such a security are very high!

Visa RENTAL CAR PROTECTION: WHAT IS ACTUALLY COVERED:

There are four fundamental things to consider while utilizing a rental auto protection offered by your Visa:

Many dangers are not secured: Most of these cards ensure you just if there should be an occurrence of crash harm. None of the cards covers your LIABILITY (i.e. harms to the outsider) or BODILY INJURIES. It implies that in the event that you crash into other individual’s home, you’ll need to pay every one of the harms from your own particular pocket. The same about restorative treatment, on the off chance that it is not secured by the administration wellbeing designs.

Not all vehicles are secured: on the off chance that you need to ensure any ‘fun’/intriguing vehicles, the scope is extremely frustrating: This sort of protection doesn’t cover such vehicles as motorbikes, snowmobiles, ATV, rough terrain vehicles and so forth. Be additional watchful with smaller than usual vans: they are secured just as long as you utilize them for individuals transport and not as a load vehicle – along these lines, no scope amid moving from your old place.

Be careful with games and extravagance autos: Rental auto assurance protection dislikes costly vehicles either: Usually the cut-off is at $65,000 and just some AmEx cards have $85,000 constrain. In this way, no scope on the off chance that you crash a Ferrari amid a fun end of the week!

Place and time: Always give careful consideration to the span for which you are leasing the vehicle. Couple of weeks is typically not an issue but rather most cards won’t cover more than 31-48 days of rental in succession. Additionally area abroad is critical – most cards will have no issue with U.S. in any case, many may have issues with paying for mishaps in Europe or Asia – you should watch that ahead of time. At the danger of expressing the self-evident, the most critical thing: Do not to neglect to pay for the rental auto with a Mastercard that has the security: you will require an affirmation that the rental expense was charged precisely to this card.

Contrasting options TO INCREASE YOUR PROTECTION

In the event that you feel that you require more security than your Mastercard offers or you would prefer not to burn through $15-20 every day for a crash harm waiver offered by a rental office, there is a superior option. It is your own auto protection. Numerous suppliers offer extra bits of security (protection language: riders) which will likewise ensure your rental auto. That may cost you just extra $30 every year over your typical premiums. Picking the correct security is quintessential. Our proposal is depend on one that dependably covers the basic three viewpoints: Damages, Injuries and outsider Liability.

Olive Oil, An Ancient Gift For Health.

Scientists are always looking to plants to find medicinal and therapeutic secrets. Discoveries of natural compounds within the olive tree and olives, provide promising health and medical benefits. Organic olive oil has significant health related properties that have spanned centuries and cultures in the Mediterranean.

The Mediterranean olive dates back 6000 years and was native to Iran, Syria and Palestine (Asia Minor). From there it spread to the Mediterranean basin. It is one of the earliest known cultivated trees. According to the Bible, an olive leaf was that which a dove brought back to Noah, as an indication the great flood waters were abating.

The olive tree thrives best in a sunny position and climate. A rocky subsoil suits it well. The trunk is knotty, hard, and gnarled, the bark smooth and ash colored. Olive wood is valuable for its durability and is crafted into many items such as gourmet cooking utensils. The olive tree experiences slow growth, but it lives very long. It is reported that the olive trees on Mount of Olives in Jerusalem, are over 2000 years old. It is commonly believed the Bible passage of “the fruit thereof shall be for meat, and the leaf thereof for medicine,” refers to the olive tree. Olive leaves are silver grey-green, and possesses the health qualities of “olive leaf extract” which is pressed from them. Extracted from olive leaves is a bitter substance named oleuropein. In the 1960’s researchers reported that oleuropein lowered blood pressure in animals, this caused immediate medicinal interest in the olive leaf. There are new studies that indicate olive leaf extract may be a natural preventative against the common cold and flu.

The olive is believed to be a source of wealth for the Minoan Kingdom. Egyptians tombs dating back as far as 2000 BC have been proved to contain olives. The Greeks spread the usage of olives to the Romans who, in turn, spread it across their vast empire. The use of olive oil has been advocated by many religions and cultures. The early Greek Kings were anointed with olive oil. It was also used to anoint winning Olympic athletes. Across many cultures, olive oil is recognized for healthy benefits for both the inner and outward body.

Some research indicates extra-virgin olive oil is the most digestible of the edible fats. Olive oil also it helps to assimilate vitamins A, D and K in the human body. Benefits of consuming olive oil include slowing down the aging process and helps liver, bile, and intestinal functions. Olive oil is valued for its culinary attributes and organoleptic virtues, these being: flavor, bouquet or aroma, and color. Various grades of olive oil are derived from the time of pressing. Earlier pressings are regarded as better quality. Cold pressed olive oil is a pressing process requiring no heat or chemicals, which destroy vital nutrients. This olive oil is generally the best to use for cooking and healthy cuisine.

Olive oil has been extensively used in cooking and forms an integral part of the basic Mediterranean diet. It is a healthier substitute to butter. Strong and pungent flavored olive oils are great for frying fish or other items having a strong flavor. Extra virgin olive oil goes well with salads. A late harvest mission variety olive oil, which is mellow, can be used for baking cakes. Gourmet olive oil is a healthier and tastier substitute to other fatty cooking oils. The health benefits of cold pressed olive oil already have federal agency approval. The U.S. Food and Drug Administration authorized marketing ads that say organic olive oil helps reduce the risk of coronary disease and disorders.

Given below is a simple recipe for olive oil bread dipping sauce.

Bread Dipping Sauce

Servings : 2 – 4
Preparation time : 10 minutes

Ingredients:

½ cup virgin olive oil
1 tablespoon fresh parsley, minced (Italian parsley is best)
1 tablespoon fresh basil, minced
½ teaspoon fresh rosemary, minced
1 tablespoon fresh garlic, minced
1 teaspoon oregano
1 teaspoon thyme
1 teaspoon black pepper
¼ teaspoon red pepper flakes, crushed well
1/8 teaspoon fresh lemon juice
Salt, to taste

Method:

Heat the olive oil in a pan. Add the garlic and sauté till it changes color. Add all the other ingredients and cook for about 2 – 3 minutes. Remove from the heat. Serve as a bread dip.

Nutritional Supplements: Adding To Your Health?

Nutritional supplements refers to a wide range of products that are designed to enhance your health, improve athletic performance, or otherwise affect your physical or mental well being. These can include vitamins, sports supplements, weight loss products, teas, herbs, and anti-oxidants. Nutritional supplements can be found in almost all health food stores and many traditional stores as well.

Throughout history, nutritional supplements have been used to treat a wide range of ailments and to improve health. Many traditional medicines come from what may be considered supplements. Perhaps one of the most common forms of nutritional supplement is the vitamin. Many people take multi-vitamins, and doctors often recommend such use. Some vitamins can be risky if taken in excess, however, so an awareness of the safety of such vitamins is essential. An excess of Vitamin A, for example, can lead to liver damage and other unpleasant side effects. Consult with a doctor before taking anything vitamin supplements.

Other popular supplements are used in sports, where they are used to enhance performance and speed recovery. Many supplements used for these purposes cause debate as to effectiveness, and some have been pulled from the shelves. Ephedrine is one recent example. Used in many weight loss products, ephedrine caused serious heart problems for some users and is now a regulated substance. Creatine is another supplement of possible unknown side effects. Some people claim that it causes liver damage, while others say that it is safe when used appropriately.

One of the most important things to know about nutritional supplements is that they are not regulated by the Food and Drug Administration (FDA). This is why many product claims on packaging labels and advertising materials include the message, “These statements have not been evaluated by the Food and Drug Administration” or something similar. Because supplements are not regulated, the manufacturing, processing, and packaging methods can vary a great deal from one product to another. When using supplements, be sure to research the company and choose a reputable supplier. The safety of supplements may also be unknown due to the lack of regulation. Again, careful shopping is necessary.

Many producers and users of supplements claim that they are safe because they are natural or made from “all natural” ingredients. While this may seem like a logical claim, consumers must use their best judgment when considering the use of supplements. Many substances found in nature are not safe, and are in fact toxic, poisonous, and even deadly. After all, poison ivy is “all natural,” but you likely won’t want to rub it all over your skin, even if a great sales pitch tried to convince you that it’s the best moisturizer around.

Some nutritional supplements can be useful and aid your health. Just as with any consumable, careful shopping and research is essential to your good health. If a claim seems too good to be true, it likely is. Be aware of product pitches and use good judgment before purchasing and using any nutritional supplements. Buy supplements from a reputable company and manufacturer, and when in doubt, consult a physician before beginning a supplement routine.

Cheap Car Insurance Premiums and Rates

Presently I trust that the normal buyer doesn’t know about the elements which make and adjust your auto protection premium rates. Presently it is regularly known these rates are ascertained because of numerous distinctions, factors and factors. So it is basic that the comprehension is set in concrete for you to comprehend. In the event that you would in truth like to accomplish a low premium rate from your auto protection supplier you should try to comprehend the components beneath which influence the top notch rate of your auto protection.

Driving Record

Your future protection foundation or potentially organization will without a doubt take a gander at your driving record, history to set up on the off chance that you are a troublesome driver or not fundamentally. The insurance agency will look inside and out into such things as your At Fault mishaps, movement related occurrences which are petty criminal offenses as it were and what auto accident coverage claims you have made. In the event that specific issues are discovered you WILL be paying a higher premium rate for you auto protection. It would be ideal if you recollect that organizations will just take a gander at your driving record up and until three years past. So after such circumstances your records in their eyes can end up noticeably casual and not disapproved of to such an extent.

Other Insurance Cover

Your imminent insurance agency will investigate your past existing protection assurance for a related protection cover. They are essentially directing foundation research to decide whether you are and additionally were a decent customer. As far as premium installments, what claims did you make and surely whatever other troublesome issues which your old protection merchant had with you. In the event that the banners are raised by your past insurance agency you just might be in for an expanded auto protection premium rate. It is likewise vital to recall that if this organization is your first protection foundation you will in all probability pay more for auto protection until the point when a sensible protection history is set up.

Record of loan repayment NOW INCLUDED

It is my conviction that an extensive lion’s share of insurance agencies are currently considering the record as a consumer and remaining of its imminent customers. These protection establishments are taking a gander at your record and scores and how you have utilized your credit and for what. Time and length of your financial record will be assessed to set up any current obligations and how your installments were this will give them an Insurance Score they utilize this to decide the probability of you paying your protection rates on time. By paying your rates and bills on time, keeping a decent credit record and history utilizing your credit astutely will enhance your protection score.

Area, Location, Location

You can and may well be charged pretty much relying upon where you right now live and are arranged. On the off chance that you live in very populated ranges the dangers and odds of auto collisions are expanded and this is the thing that insurance agencies will take a gander at and factor into the estimation to decide your last rates. On the off chance that you live in the urban communities you will be paying more for auto protection rates than if you lived in a little rural range.

The Car Itself

New versus Old, another auto will frequently be more costly to safeguard than a more seasoned vehicle demonstrate. With the present disclosures in innovation and wellbeing measures autos are winding up more costly to construct, claim and offer. More current vehicles are essentially more costly to repair and supplant in this manner the more up to date it is the higher your protection rate can be. In the event that you auto has additional security measures, auto cautions, air packs, anything of the sort ensure you convey this up to your planned insurance agency.

Auto Usage

Your future insurance agency DOES mind the amount you will utilize the vehicle and for what purposes. Basically, the additional time you are out and about driving the more shot there is that a mishap will or may happen this could be your blame or another person however the reality remains the odds and dangers are by and by expanded. So in the computation this is a more serious hazard for the guarantor.

Purchasers must recollect that the last auto protection rates are in the hands of the insurance agency you are managing, you can just do as such much to keep this at any rate however by the day’s end it is out of your control in many regards.

New Health Insurance Policy: Understand What You Are Paying for

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You now are the owner of a new health insurance policy because your place of employment changed providers, but you do not have the first clue what the new policy covers. The first thing you should do is take a moment to read the policy. Do not be surpirsed if you get more confused as each word. This is common pace for a lot of people and it shouldn’t discourage you. Insurance policies are simple to understand if you understand the language they speak. If you don’t tspeak their language, which most of us do not, then you will surely get lost.

The first things you want to understand about your policy are the many terms that are in your policy. One of the common terms that you will see is a deductible. A deductible is what you pay before any benefits in your health insurance policy are accessible. Usually, this is an annual amount and will vary greatly by the type of policy. Usually there are separate deductibles for an individual account versus a family account. A few policies let consumers use some of their services with out meeting the deductible. The following year after you have exhausted your deductableh you will have to start all over again.

Co-payments are dollar amounts that are paid by the consumer before the insurance will pay for services and this is paid in addition to the deductibles by the consumer. Some policies will allow the consumer pay a co-payment for certain services without meeting the deductible.

Out of Pocket costs are what the consumer is required to pay out of your own pocket. This could include deductibles, and co-payments. The term “annual out of pocket expense” is the maximum omaximum amounta consumer would have to pay for health services minus the premiums.

Most policies have a lifetime maximum term. This means that every policy has a cap on it. During the lifetime of the policy the consumer expenses can’t go over a predetermined amount or the health insurance policy underwriter will not pay. Do not worry. It is usually a very high amount to start but with the rapidly escalating health care costs a consumer can reach it quickly.

The exclusions section must also be read very carefully and a consumer must fully understand the health insurance policy. Exclusions are conditions that the policy does not cover. This can be a very hazy area. The policy may cover operations but not the after care of the operations or it may cover the after care and not the operation itself. This is the most important section of your policy so read it carefully to ensure that you grasp all of exclusions.

There are many things that you should always remember as you read your health insurance policy. Read every paragraph to ensure you understand how the policy functions so you will not have questions if the need ever arises to use it.

Naturally Sweet and Healthy – The Wonders of Stevia

Stevia (STEE-vee-uh) is an outstanding, sweet tasting herb that has remarkable health promoting qualities. The sweetness of Stevia is largely due to its complex stevioside molecule that is composed of glucose, sophorose and steviol. A second compound called rebaudioside, which is present in Stevia, also contributes to Stevia’s sweetness. Stevia has a taste that is unique and has been described as very sweet with a slight licorice, almost bitter aftertaste. Generally, high quality Stevia contains very little of this bitterness. The sweetness of Stevia is much different than the sweetness of other natural sweeteners, sugar, or artificial sweeteners, but it is delicious. For some people the taste may require some “getting used to,” but most people quickly develop a taste for it.

Stevia is a South American shrub whose leaves have been used for centuries by native peoples in Paraguay and Brazil to sweeten their yerba mate and other stimulant beverages. The stevia plant belongs to the Compositae (sunflower family of plants). Centuries ago, Natives of Paraguay used the leaves of this small, herbaceous, semi-bushy, perennial shrub to sweeten their bitter drinks. Originating in the South American wild, it could be found growing in semi-arid habitat ranging from grassland to scrub forest to mountain terrain. The plant made its way to Pacific Rim countries where in recent decades it became cultivated domestically, used in its raw leaf form and now is commercially processed into sweetener.

If you’ve ever tasted stevia, you know it’s extremely sweet. In fact, this remarkable noncaloric herb, native to Paraguay, has been used as a sweetener and flavor enhancer for centuries. Stevia is a natural, non-caloric, sweet-tasting plant used around the world for its pleasant taste, as well as for its increasingly researched potential for inhibiting fat absorption and lowering blood pressure.

Stevia is about 300 times sweeter than sugar in its natural state, and much more so when processed. Its medicinal uses include regulating blood sugar, preventing hypertension, treatment of skin disorders, and prevention of tooth decay. Other studies show that it is a natural antibacterial and antiviral agent as well. Stevia is actually good for you! On top of that, it is calorie and carbohydrate free. Stevia is a great sweetener choice for diabetics, those watching their weight, and anyone interested in maintaining their health.

Topically, Stevia has excellent healing capabilities. If placed on a cut or scrape, it stings initially followed by a significant reduction in pain and accelerated healing with no scarring. Whole leaf Stevia extract can be used as a facial mask by smoothing the dark liquid over the entire face, allowing it to dry for 30-60 minutes, then rinsing. This will help tighten the skin, smooth out wrinkles and heal skin blemishes and acne. This has been reported to be effective when used on seborrhea, dermatitis and eczema, as well. Stevia is also beneficial for the hair and scalp; good results have been obtained by adding Stevia concentrate to shampoo, and also applying concentrate to the hair after shampooing, allowing it to remain on the hair for a few minutes, then rinsing.

Stevia is also able to perform a number of other beneficial tasks. For example, it has been shown that Stevia may enhance moods and increase energy levels and mental alertness. What’s more, it is also been shown to stop the growth of bacteria in the mouth is responsible for the production of acids that are responsible for gingivitis and cavities.

In recent years, Stevia has made its way to the Far East. In the 70’s and 80’s Stevia was developed as a sweetener/flavour enhancer which has since been used widely for this purpose in Japan, China, Korea, Israel, Brazil and Paraguay. It has been embraced in Japan, where it’s used in soy sauce, sweet pickles and soft drinks. In Japan, Diet Coke has been sweetened with Stevia.

The products in which Stevia has been used include soft drink, ice cream, cookies, pickles, chewing gum, tea and skin care products. In Japan about 40% of the sweetener market is stevia-based. The main producers of stevia are Japan, China, Taiwan, Thailand, Korea, Brazil, Malaysia and Paraguay.

The cosmetic industry also employs the use of Stevia in many of the available skin care products. It has been shown to reduce skin blemishes when applied topically. Stevia also relieves stomach discomfort.

There are no symptoms of deficiency but everyone can benefit from the use of Stevia. Populations that may benefit from the use of Stevia include: diabetics, the obese, the elderly, children, and athletes.

Diabetics, individuals with blood sugar problems, or the obese, may benefit from supplementing with Stevia due to its ability to regulate blood sugar.

Individuals suffering from hypertension may also benefit from the use of Stevia. It has been shown that in cases of high blood pressure Stevia has the ability to act as a vasodiolator, thus helping to lower hypertension.

In the late 1980s an “anonymous firm” lodged a “trade complaint” with the FDA about Stevia when it started to surface in the United States. One company using stevia was the Celestial Seasonings herbal tea company. They were ordered by the FDA to stop producing tea “adulterated” with Stevia. Traditional Medicinals, another tea company, had their inventory of Stevia teas confiscated during an unexpected FDA raid and were told the tea would be burned.

Why did the government treat Stevia like a controlled substance? FDA documents call Stevia a “dangerous food additive” even though the safety of Stevia has been widely tested for many years by scientists in Japan. The FDA will not reveal who made the “trade complaint” (despite the Freedom of Information Act) though many suspect that it was the makers of the artificial sweetener Aspartame (aka “Nutrasweet”) trying to fend off competition, as the artificial sweetener is very profitable.

To judge from the extensive measures the FDA has employed to keep Americans in the dark about Stevia, one might assume it was some type of dangerous narcotic. But, in fact, no ill effects have ever been attributed to it, although it has been used by millions of people around the world, in some locales for hundreds of years.

So adamant has the FDA remained on the subject, that even though Stevia can now be legally marketed as a dietary supplement under legislation enacted in 1994, any mention of its possible use as a sweetener or tea is still strictly prohibited.

In 1995 the FDA reversed their decision to ban Stevia, but only halfway. Stevia can now be sold as a “nutritional supplement” but not as a sweetener in the United States. This is also the case in the European Union, and the World Health Organization is pressuring other countries to follow suit.

Benefits
• non-caloric sweetener
• inhibits fat absorption and lowers blood pressure
• regulates blood sugar levels