Does My Child Need Life Insurance Coverage?

Whether or not a child needs life insurance coverage is a widely argued debate. If you examine the following information and feel that you are in a position that would benefit from life insurance being placed on your child, then this would be the best decision for you. Some people are not in a situation that would be helped by their child having life insurance. The conclusion to this debate will vary from person to person and you will only be able to get to the appropriate answer for your situation by thinking about the main points of such coverage.

Many people argue that children do not need life insurance. Being as the mortality rate for children is much lower than that of adults, some people feel that such coverage is an unnecessary economic drain on a family. On top of that, insurance is given out to individuals who have something to lose in the event of the untimely death of the individual insured. Adults often provide for their family. While children are beloved and indispensable on an emotional and mental level, they very rarely offer their family financial or monetary stability. As such, it is unlikely that, from a financial standpoint, individuals would have something to lose from the death of a child.

On the other side of the argument, some people feel that having a life insurance policy on a child is a good thing to put in place since it is never too soon to get life insurance coverage. Everyone dies, and these people will be prepared from a fiscal standpoint. As a person gets older, their life insurance premiums almost always increase over time. This is because individuals often open themselves up more to either short-term or long-term life-threatening practices, such as smoking, drinking, driving vehicles including motorcycles and the like. Children are still fairly innocent and limited in their exposure. Children can get some of the lowest insurance premiums offered by life insurance companies. In addition, many life insurance companies that offer coverage for children will keep the premiums the same, no matter how old the child eventually gets. There is definitely an advantage for individuals who have their insurance premiums set when they are three years old as opposed to fifty years old. <

For the most part, a family's financial situation will help them to determine which decision might be best for them. If a family has the extra money needed to pay for such a policy, it might be good for the child when it comes to the long-term experiences of their life. Specifically, it would be great for the child when it gets to the point that they would eventually need to file for life insurance coverage. However, if a family does not have the money needed for such a venture, this is not necessarily a bad thing. Most families do not need the policy coverage that the child's policy would offer. The benefits are often established and developed later, when the child needs to take over such payments and they find out they will be paying a lot less compared to other people their age who are just now taking out life insurance policies.

nvestors Look at Philippine Apart-Hotel or Condotel Property Investments

PLC International Marketing Networks has revealed that some institutional investors are trying to diversify their property portfolios through areas like Southeast Asia, China and beyond - with the Philippines heading the list, then Thailand, Japan, China, and Singapore property investments featuring in some portfolios.

In the UK, "Investors are moving to new areas to find value" said Beth Collingz, Global Marketing Director of PLC International Marketing Networks based in Metro Manila and Cebu in the Philippines. "More and more of clients for Condotel Investments are coming from the UK. There has been a distinct market shift from US based clients over the past few months and we see that trend continuing over the winter months of 2006 and on into 2007 has Sterling continues its increase in value over the US Dollar.

"A lot of this interest is being driven by the relatively cheap market prices in the Philippines compared to Europe, specially UK Housing prices, and the easy payment options available for our Condotel Developments, but there are other factors, too.

Offshore Property Investors, Foreign baby boomers as well as overseas Filipinos, are looking for ways to maximize their return on investments as they approach retirement, and so are purchasing second homes, particularly Condotel Investments where they can use the Condo for vacations and rent it out through our In-House Condotel Management when they are not using the unit thereby gaining rental incomes that on today's purchase prices, give a projected ROI on their investments of some 12-16% depending upon the mode of payment for the unit"

Metro Manila remains a popular choice with international buyers and institutional investors. Collingz says clients tell her that it makes more sense to buy in a year-round vacation destinations and business centers. Lancaster - The Atrium Condotel developments by Pacific Concord Properties located in Shaw Boulevard, Metro Manila - fits the bill with all it offers to International buyers.

Accessibility is also a factor. "Flights from London to Manila, for example, average just 16 hours, add to that the many airline specials and it's easy to see why this area is becoming an international community." Unlike other offshore rental properties, where the rental market is largely seasonal, in the Philippines there is a strong market for rental properties year round. This gives buyers greater flexibility in choosing when to use and when to rent their property. The strong rental/second home market also has resulted in a proliferation of professional property managers and rental agents, making property ownership and rental easy. Pacific Concord Properties Inc with it's flagship Lancaster Condotel Developments fit's the bill.

Lancaster Manila Atrium Tower A, Shaw Boulevard, Metro Manila, Philippines is a "Full Service" Condominium Hotel ["Condotel"] offering Studio, One, Two and Three Bedroom Suites for sale. To be completed and ready for turnover from December 2010, the Lancaster Suites Manila Atrium Tower II will provide unit owners with premier residential condo units with the option of enrolling their units in the Lancaster Condotel Rental Pool and earn Rental Incomes as Owner Non-Residents when not using their units through Condotel Management and reciprocal arrangement with Lancaster Cebu Resort Residences. This makes Lancaster Suites Manila, one of the Hottest Investment Opportunities in the Philippines said Collingz.

Article Submission Trumps Ezine Ads and Google AdWords

You may have heard advice from Internet marketing gurus that ezine ads are one of the best forms of advertising. You may also have heard that Google AdWords and other pay per click search engines are one of the best advertising methods. But when it comes to marketing your web site, article submission trumps ezine ads and Google AdWords anytime.

The advantage of article submission is trust. Suppose you subscribe to an ezine in the form of an email newsletter. You've just sat down at your PC, coffee in hand, to read your email. There in your inbox is a copy of one of your favorite ezines, the one you read every time.

Clicking on the newsletter, you see that this edition starts with a sponsor ad and then has a couple of great sounding articles and a couple more ezine ads. Sipping your coffee, one of the articles catches your attention. You read the article, and you were right. It's a great article.

At the bottom of the article, there is a link to the author's web site and a short biography. You notice the author has a link to pick up a free report with more information about the article's topic. Then you notice that right below that there's a sponsor's link in an ezine ad. The sponsor's link is for a different web site, but it also offers a free report about the same topic.

Now you might click both links. But if you could only click one, which would you choose: the one by the author of the great article you just read or the one in the ezine ad?

If you would click on the one from the author of the article you just read, you're not alone. Most people would, wouldn't they?

Now suppose you're surfing around on the web. You do a Google search on a topic you're interested in, and you follow a link to a great article with some excellent advice on the topic. Again, there is a link to the author's web site and a link to a free report with more information on the topic. Right beside it are five Google AdWords ads on the same topic. As luck would have it, they are also each offering a free report on the same topic.

You would still be most likely to click on the author's link at the bottom of the article, though, wouldn't you?

Article submission trumps ezine ads and Google AdWords because you establish a relationship and build trust with your reader. You are obviously the expert. After all, you wrote the article. And the webmaster or ezine publisher wouldn't have published the article if they didn't think you knew what you were talking about, right?

Years ago, I used to do direct sales in people's homes. I learned that one of the first things you need to do is the "warm up." You've just entered someone's home, they don't know who you are as a person, and they know you're going to be trying to get money from them before you leave.

If you don't establish rapport quickly, it's difficult to overcome people's natural sales resistance. In direct sales in the home, you do that by talking a little with people before you begin your sales presentation. They get to know you as a person, and their resistance is lowered.

Most people can't do sales because they remain the "enemy," the horrible sales person who wants to sell them something. Let's face it, people hate sales people!

But imagine if you could warm up to people easily - and not just one or two people, but thousands of people. Imagine if instead of selling them something, you could educate them about something that will solve a problem and be of great benefit to them. That's entirely different, isn't it?

Article submission allows you to do exactly this, and on a massive scale. If you submit many articles to article submission sites and article directories, many will be published on web sites and in ezines around the Internet. People will read your articles and warm up to you. Solve their problems and they'll want more.

It's hard to accomplish that with Google AdWords. You only have three lines and a few words to build interest and trust and to get the click. It's also hard to achieve that with ezine ads. Even with solo ezine ads, everyone knows they are advertisements.

Article submission is the secret. Writing and submitting articles is relatively easy. Just write very helpful articles on your topic and link to your web site. Through article submission you will build your reputation. Through article submission you will gain trust. And through article submission you will get visitors to your web site that already like you, value your advice, and want to know more about what you can do to help them.

That's already an incredible benefit, but it gets even better. Article submission is usually free, or low cost if you use an article submission service. Ezine ads and Google AdWords can be very expensive, and it is unlikely you could ever get traffic coming to your site as open to listening to you and trusting you as they will be from an article submission.

This is why article submission trumps ezine ads and Google AdWords.

An Introduction To Plasma TV Technology

Plasma TVs have become increasingly available, and their cost is lowering all the time. We have all heard about plasma TVs, and advertising campaigns are constantly telling us that they are the status symbol to have. Adverts are extremely effective at glorifying the benefits of having a plasma TV, so much so that it appears that even our pulling power and popularity will be improved. The one thing that these adverts don't really tell us is what a plasma TV actually is. Here is a brief guide to plasma TVs to help you appreciate this apparent miracle of modern technology.

Plasma TVs have a higher resolution than other conventional display devices which means that they can display the high definition signals of HDTV and DTV. Also, plasma TVs are compatible with the computer signals SVGA, VGA, and XGA.

Unlike other display devices, plasma TVs have a transistor electrode for every pixel cell which means that there are none of the scan lines that are visible with regular TV sets. The whole image is evenly lit across the display by these electrodes, and not produced by an electron beam which is the cause of scan lines.

Top-of-the-range plasma TVs have display capabilities of over 16 million colours. This ensures that the picture has far more realistic colour than that shown on a conventional TV screen. This is because they are able to show far more shades of colours compared to the lesser quality TV screens.

Plasma TV screens are completely flat which has two benefits. There is no edge distortion, unlike on more curved conventional TV screens, and also there is a far wider viewing angle. The viewing angle of a plasma TV is 160 degrees, and allows the image to be seen properly from more areas of the room where the TV set is situated. This makes plasma TV screens ideal for large groups to view, and lessens the need for more than one TV set to be placed.

Of course, the main benefit that most people are aware of with plasma TVs is their space-saving quality. They are extremely shallow, and can therefore be installed in many more locations than a conventional TV set. The depth of a 50 inch screen is approximately 4 inches, and it can therefore be hung on a wall.

Book Review - Ultrametabolism: The Simple Plan for Automatic Weight Loss

"No wonder it's so hard to lose weight- our bodies are designed to keep weight on at all costs; it's a matter of survival. It's embedded in our DNA." In essence, we are designed to gain weight, expounds Mark Hyman, M.D. in his new bestselling book Ultrametabolism: The Simple Plan for Automatic Weight Loss. This books follows on the heels of his previous bestseller, UltraPrevention: The 6-Week Plan that Will Make You Healthy for Life that he coauthored and proves to be every bit as informative. Dr. Hyman, who has a passion for the cutting-edge science of Western medicine and alternative health for over 20 years, maintains that Ultrametabolism: The Simple Plan for Automatic Weight Loss is not just another of many weight loss books on the market. Rather, the book is your body's owner's manual for overall health. He distills his knowledge into a healthy lifestyle, which reduces the factors of a number of epidemic health problems and degenerative diseases currently plaguing us, while at the same time we also gain the positive side-effect of weight loss.

Ultrametabolism: The Simple Plan for Automatic Weight Loss dives in by turning much of what we believe as conventional wisdom concerning weight loss on its head. Much of what we think we know about weight loss actually has been making us gain weight. As evidence, the book points to the fact that despite the $50 billion we spend on weight loss every year in America, whether it's diet pills, programs or exercise routines, they all have a dismal success record. In fact, for every diet we go on, we end up gaining five pounds on average in the long run. Obesity is now overtaking smoking as the number one cause of preventable deaths with almost 70 percent of the adult population and one third of our children now overweight. Compounding the problem are the profitable foods the food industry pushes, entrenched pharmaceutical companies and our own government's recommendations, especially when it comes to the "food pyramid" or low fat in our diets.

In part I, Ultrametabolism: The Simple Plan for Automatic Weight Loss exposes seven hoary myths that make us unhealthy, gain weight and keep it on. First there is the Starvation Myth: Eating less and exercising more does not equal weight loss. Next is the Calorie Myth: All calories are created equal. Third is the Fat Myth. Eating fat makes you fat. Fourth is the Carb Myth. Eating a low carb or no carb diet will make you thin. Fifth is the Sumo Wrestler Myth: Skipping meals helps you lose weight. Sixth is the French Paradox Myth: The French are thin because they drink wine and eat butter, and last but not least is the Protector Myth: Government food policies and food industry regulations protect our health. Moreover, the book points out that the introduced man-made substances such as "trans-fats", which are found in nearly every processed and packaged food because they never spoil, are adding to our overall exploding health and weight problems over the past 30 years. This consumable plastic disrupts our metabolism by actually turning on a gene in your DNA, which slows metabolism causing you to gain weight. The book also discusses another danger to our health: the man-made supersugars, such as high-fructose corn syrup, which is used to sweeten almost everything these days including soft drinks. These supersugars quickly enter your bloodstream and trigger hormonal and chemical changes which induces insulin surges that tell your brain to eat more and your fat cells to store more fat. <

If there are substances and foods that we eat that can trigger negative results, then surly there are ways to make us healthy and loose weight. Part II of Ultrametabolism: The Simple Plan for Automatic Weight Loss gives us the keys to turn on our metabolism and fat burning genes, turn off your weight gain genes, and program your body to lose weight automatically. The book takes this even further in part III by providing menus and recipes, along with exercise and lifestyle treatments designed to create healthy metabolism and overall health. This section of the book is designed so it can be customized to meet your unique genetic needs to optimally awaken your fat-burning DNA.

Ultrametabolism: The Simple Plan for Automatic Weight Loss provides a vivid road map to navigate our way back to health and fitness. And in so doing we will be successful in our quest for long-term weight loss without counting calories, fat grams or carbs. We don't have to starve ourselves; we simply need to eat in harmony with our genes.

Small Business Credit Card

It has only been recently that the larger credit card companies began aggressively marketing small business credit cards. If you are a new entrepreneur and have decided it's time to get a small business credit card, you are in luck!

Most new businesses are sole proprietorships and credit is an important part of growing your business. The credit card issuers look at your personal credit history to see how you've managed your personal debt. A good personal credit report can prove that you take your obligations seriously.

As with any credit decision, you need to review what your requirements are before you apply for a small business credit card. The financial institutions are offering numerous incentives for your loyalty such as rewards, cash back, airline miles, high credit limit, and an option to pay over time or in full.

A small business credit card can assist with your cash flow. If you purchase supplies to do a job and bill the client upon completion, a small business credit card allows you that needed extension of time. You should keep this in mind and perhaps apply for a higher limit credit card. Consider the invoicing cycle. If you think it may run over thirty days, you would want to apply for a card that offers the option to pay over time. Look at a lower interest rate small business credit card.

If you have been in business for at least two years and just want to add to your cash flow. The Small Business Capital Line offered by American Express may be what your looking for. This offer includes an unsecured line of credit with a minimum of $10,000. Their easy application process doesn't require any supporting forms for most applications and gives you 100% access to your cash. This offer includes a competitive APR.<

If your new commercial endeavor includes travel, a small business credit card with rewards that offers savings for airline miles, hotel and car rental would be ideal. An added advantage is you can keep track, remotely, of an employee's expenses through online viewing of your account. This is a big plus when on a tight budget!

The SkyPoints Business Credit Card from Delta and American Express, lets you earn double SkyPoints for everyday purchases and Delta purchases too. You can receive up to 75% discount on airfare when you redeem your SkyPoints. There is a small yearly fee for this program, but the first year fee is waived, offering an immediate savings of $49.

Credit card companies have formed alliances with a number of retailers, both online and off line. Some rewards perks are discounts when using your small business credit card at specified locations.

The Chase Platinum Business Card offers additional savings through their Visa Business partner Advantage. Receive savings of up to 20% from leading retailers with special offers on computer equipment, office supplies, and many other items.

Choosing a small business credit card is made easier by the internet where you can compare offers side by side. Each of the small business credit card programs offer extra value. It's your choice which program fits with your financial needs.

Know Your Muscles - The Chest And Upper Back

Becoming familiar with the muscles that make up your body has more benefits than simply allowing you to talk shop with your training partners. The more familiar you are with the muscles you're working, the better you'll be able to judge what's needed to make improvements. In this article we'll get to know the muscles that make up the chest and upper back.

Although they are two distinct areas, the chest and the upper back will be considered together because achieving a muscular balance between them is crucial, particularly in relation to maintaining good posture. Creating an imbalance between the two is likely to result in injury.

The main muscles found in the chest and uper back are as follows:

1. Pectoralis major - these are the large chest muscles found to either side of the breastbone. Its main job is to bring the upper arm inwards across the body, a movement that is known as horizontal adduction.

2. Latissimus dorsi - this is the largest back muscle that runs from the lower back to the upper arm bone. It pulls the upper arm towards the body and acts as an internal rotator of the upper arm.

3. Trapezius - this muscle runs from the mid spine to the shoulder and then to the neck. Its main role is to faciltiate movement of the shoulder blades.

Forecasting the Future Value of Your 401(k)

If you've got Microsoft Excel (or just about any other popular spreadsheet program) running on your computer, you can use its FV function to forecast the future value of your 401(k) account.

The FV function calculates the future value of an investment given its interest rate,
the number of payments, the payment, the present value of the investment, and,
optionally, the type-of-annuity switch. (More about the type-of-annuity switch a little later.)

The function uses the following syntax:

=FV(rate,nper,pmt,pv,type)

This little pretty complicated, I grant you. But suppose you want to calculate the future value of a 401(k) account that's already got $10,000 in it and to which you're contributing $200-a-month. Further suppose that you want to know the account balance-its future value-in 25 years and that you expect to earn 10% annual interest.

To calculate the future value of the 401(k) account in this case using the FV function, you enter the following into a worksheet cell:

=FV(10%/12,25*12,-200,-10000,0)

The function returns the value 385936.13-roughly $386,000 dollars.

A handful of things to note: To convert the 10% annual interest to a monthly interest rate, the formula divides the annual interest rate by 12. Similarly, to convert the 25-year term to a term in months, the formula multiplies 25 by 12.

Also, notice that the monthly payment and initial present values show as negative amounts because they represent cash outflows. And the function returns the future value amount as a positive value because it reflects a cash inflow the investor ultimately receives.

That 0 at the end of the function is the type-of-annuity switch. If you set the type-of-annuity switch to 1, Excel assumes payments occur at the beginning of the period (month in this case), following the annuity due convention. If you set the annuity switch to 0 or you omit the argument, Excel assumes payments occur at the end of the period following the ordinary annuity convention.

Ab Exercise Equipment - An Honest Review

Are you in perfect shape for summer yet? Those sunny days are just around the corner and everyone is out shopping for their revealing, sexy bathing suits. How will your new swimwear fit on you? Let's run a quick check. Are those legs toned and those arms fit? Have you been keeping up with your daily crunches and sit-ups?

Uh-oh, that one always gets people, I know it . Those darn abs workouts. Let me tell you the truth. Although they can be a little annoying at times, they're necessary to say the least. I can't overemphasize them. Come on, we all want to display a great set of abs and walk around showing them to everyone. Why else do you think we have so much abs exercise equipment reigning the fitness market at all times? Regardless of your gender, the abs are absolutely critical. Are you testing out some of the new-age abs exercise equipment?

When it comes to abs exercise equipment, I don't have any. I prefer to do all my exercises without machine interference. You know, all those traditional exercises like pull-ups, push-ups, leg-raises, dips, etc. Now, this is not the chosen route for every individual who is striving to stay fit. Many people prefer some of the latest benches, treadmills, stairmasters, and abs exercise equipment on the market. This stuff is great if you can afford it. Why not take advantage of any contemporary aids if available? If you have the money and think it fits you, I say go for it.

Let's take my wife as an example. My wife has one of those big rubber balls you see pretty girls swear by on television ads. While I'm pretty certain that they have a more politically correct name, I don't know what it is. She uses this abs exercise equipment for a wide array of stomach and back workouts. I have to admit that I was rather surprised the first time I saw it. I could certainly see how it would provide you with a strenuous workout and build your muscles. She continues to use it daily for a variety of exercises.

What abs exercise equipment do you prefer? Maybe you get your frequent dose of abs exercise equipment at the local gym or fitness club. They typically have a variety of abs exercise equipment ready at your service. Regardless of what regimes you prefer, you know that your daily dose of abs workouts are compulsory for keeping that bare, tight, flat tummy. If you are in need of advice concerning abs exercise equipment or just simple routines, you can hop online and acquire anything your heart desires. From diet plans, to fitness regimes galore, you will find it all on the World-Wide-Web. They are abundant and free! Get started today and get those abs you've always wanted!

The Inportence of Health and Nutrition as you Age

Nutrition is know to interact with the process of aging in many ways. Nutrition problems of the older population are increased due to susceptibility to chronic disease, decreased organ function which may affect digestion and absorption, metabolism, and excretion of nutrients. Eighty percent of people over 65 suffer from at least one chronic disease and nutrition is an important factor on there prevention and recuperation from the disease.

Caloric needs change with aging due to a greater percentage of body fat and lower percentage of lean muscle. Decreased activity can cause further decreases in calories. The challenge is to meet the same nutrient needs as when younger but consuming fewer calories. The answer to this is to choose nutrient dense foods. Protein needs are not thought to change for the elderly, although protein requirements may vary due to restrictions or disease.

Reducing the overall fat content in the diet of an elderly person is reasonable , it is eating no more than 30% of daily calories from fat is desirable. Carbohydrate intake should comprise 60% of the calories. Emphasis should be placed on complex carbohydrate. Glucose tolerance decreases with age and lower refined carb intake puts less stress on your body. Dietary fiber intake is also recommended , and with adequate fluid intake you can achieve normal bowel function. Fiber is also thought to reduce inflammation of the intestines. Veggies, fruits , grain products, cereals, seeds, legumes, and nuts are all good sources of dietary fiber.

Water is the most important and serves many essential functions. Adequate water intake reduced stress on the function of kidneys, which kidney function tends to decline with aging. Consumption of 5-8 glasses of water every day can be beneficial. Aging people do not realize that they are thirsty and can easily become dehydrate and water intake should automatically occur and should not wait till you feel thirsty. It is important that diets planned for the elderly have proper fluid intake.

As the body ages food may not seem as appetizing or smell as appealing due to loss of smell and taste. If an elderly person is told to cut down on salt or sugar food may not be as good to them any more because they need extras for taste. Loss of vision may impair cooking with aging . An elderly person may not know how to read food prices, nutrition labels or may forget how to cook or have fear to cook. These losses are not usually complete but may affect one's ability to eat healthy.

The need for electrolytes, sodium, and potassium can be altered in the elderly when drugs are used to control certain diseases such as hypertension or heart disease and diet should be modified to fit those needs. The fat-soluble vitamins can be stored in the body and usually it is thought that the elderly are at lower risk of fat soluble vitamin deficiencies. There is a risk of vitamin A toxicity and vitamin D defiecenicy due to low intake of dairy products. Of all the minerals iron and calcium intakes have been reported to be low in many elderly. Eating a wide selection of foods, including calcium rich foods and low fat diary products is the best advice.

Nurtitional assessments are often done by health care providers because it can help determine is symptoms a patient has is a nutritional deficiency. Overall for any age group, selecting foods from a wide variety which can be eaten and enjoyed is what is important.
 

The Holosync Solution. Does It Even Work?

The benefits of practising deep meditation are enormous. Apart from reducing stress and anxiety it can produce amazing effects in the body and eliminate negativity from the mind. However it usually takes a lifetime to perfect through hours of daily pratise.



What if you could gain access to a new technology that would put you into such a deep meditative state within minutes, would you be interested?



I am about to introduce you to a relatively new technology that uses Binaural Beats. This technology is cutting-edge and can bring you all the benefits that would otherwise take you 30 years to acquire! I am talking about a meditation program by Centerpointe Research Institute called Holosync. You are about to discover the origins and workings of this technology as well as the benefits and pitfalls it offers.



Unlike other binaural beats recordings Holosync is a course and not a single recording. It is possible to purchase binaural beat recordings designed for a single purpose. They come in the form of CD and each one is designed to produce just one specific state. However Holosync is very different. The major affect that Holosync promises to produce is the elimination of past negative programing such as traumas, strong and slight emotional issues, negative memories and negative beliefs of all kinds.



Does it work?



To get a comprehensive answer to this question we are required to delve a little deeper into the technology itself and look at the foundation upon which Holosync is built. The technology behind this is Binuaral Beats audio recordings.



It was in 1839 that Binaural Beats were first discovered by a man named Heinrich Wilhelm Dove. However it was much later, in 1973, when Gerald Oster released a paper called "Auditory Beats in the Brain", that their use in cognitive and neurological research was discovered. These beats are in fact different specific frequencies giving to the left and right ear. The audio produced by using binaural beats can send anyone into a deep meditative state in just a few short minutes. These states are Alpha (light trance), Theta (deep trance) and Delta (dreamless sleep).



Binaural Beats are created by an audio mixing technique that sends different frequency tones to each ear separately. They are designed to alter the listener's brain wave activity and they do this very effectively. You merely put on some stereo headphones, sit or lie in a comfortable position, close your eyes and allow the sounds to do their work. You don't even have to force yourself to relax.



Scientists have long known that when brainwave patterns change they affect the body. Chemical reactions take place as a direct result of these chnaging brainwave patterns. Such reactions in the body's chemistry usually results in profound positive changes throughout the whole physical system. In essence binaural beats appear to have the same impact and benefits of very deep meditation. It has been shown that this technology produces exactly the same brainwave patterns as those practising deep meditation. This is fantastic news because without the aid of this audio technology it usually takes a lifetime to perfect transcendental meditation. In fact entering even light states of trance can take years to learn and perfect.



The enormous benefits of transcendental meditation been documented by scientists across the world. It can stimulate the creation of certain hormones needed by the body and reduce things like blood pressure and it is even said to slow down and reverse effects of the aging process. So the benefits of entering a deep meditative state are apparent as are the benefits of using binaural beat technology to do it. 

As far as Holosync goes the other major benefit, as if we needed one more, is that the state produced by the Centerpointe recordings allow you to directly access the subconscious mind.



Beacuse of this you can use Centerpointe's Holosync Solution along with any other self improvement tool. Your old subliminal resordings or hypnosis CDs can have a greater impact than ever before. You can even use the sound technology to increase your visualization skills. Using this type of 21st Century technology means you can therefore alter limiting or negative beliefs, heal emotional issues or create new positive behaviours in a fraction of the time it would take you using conventional means and with a much higher success rate.



Here are some of the benefits of transcendental meditation:



1. Creates a deep relaxing feeling throughout the body which stays with you for hours afterwards.



2. Boosts your creativity.



3. Slows aging.



4. Removes emotional blocks, old traumas and creates profound emotional changes at an extremely deep level.



5. Eliminates Stress & anxiety.



Now with all the benefits that transcendental meditation brings, and the fact that Holosync produces the same internal states as this meditation, it would be extremely prudent to try it. The real power of the binaural beats behind the Holosync recordings is that they can be used to induce a meditative state and thus create these changes with no effort whatsoever. All that you need to do is wear stereo headphones, sit or lie down in a relaxing position, close your eyes and allow the audio to do all the work. You only need the discipline to listen to the recordings everyday!



The Binaural Beat market is filling up with manufacturer's who offer some great titles. It is also possible to create your own with the proper software. However, this is where the danger lies! You need an in-depth knowledge of brainwave patterns and their effect on the mind and body in order to create the correct frequencies. There are several forum postings that state the improper use of binaural beat technologies has created negative and even damaging results on some people. This is why it is imperative to seek out professionals who know what they are doing and are properly qualified.



The CEnterpointe Research Institute, and the Holosync Solution which it produces, are the brainchild of Bill Harris. He created Holosync in 1989, is trained in hypnosis and as well as being a qualified trainer of NLP (Neuro Linguistic Programming). He has studied contemporary psychology, quantum mechanical physics, the evolution of non-linear systems and the effects of a wide range of neuro-technologies on human behavioural change, evolution and healing. There are many personal development and self improvement coaches who endorse and personally use the Holosync Solution. You may recognise two of them - James Ray from the movie The Secret and Jack Canfield, author of Chicken Soup for the Soul.



The downside of the Holosync technology is that you need to listen to it everyday to get maximum benefit and it also comes in stages as a course. However, Bill Harris insists that you do not need to continue using it and can stop after each stage of the course is complete while permanently retaining all the changes you've made. It is possible, and advisable, to continue through all the stages of the course to reach a place of imperturbabilty. The Holosync solution, by Centerpointe, does create deep states akin to meditation and it does remove emotional traumas that are hidden deep in the subconscious mind. In fact it does exactly what it says it will do.