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2016 11-11

Things You May Not Know About Massage Therapy

Massage Therapy: From Ancient Times to the Present

Massage is not just for the wealthy and pampered, which globe hop to choice health resorts. The very real health, wellness and relaxation benefits have been confirmed and are now being prescribed, by modern medical providers in America.

  1. Massage is a Growing Profession

Professional, licensed or certified massage is a skill-set used by specialists to press, rub and manipulate bodies, on the soft tissue, of particularly the muscles, tendons and ligaments. A massage therapist may use hands, forearms, elbows and fingers to massage their patients. Massage ranges from light touch to a deep tissue force pressure.

There are also a lot of “specialty” massages. Hot stone massage is directly traced to the more ancient massage therapies. Thai massage involves walking on the person being massaged (pressure point) and chair massage is given while you are seated instead of on a table, on the neck, head and shoulders.

In 2013, as many as, 15% of Americans had a massage. It’s estimated over 35 million massages were given by professionals in, clinics, spas, businesses, malls and even at many airports took place.

In the last decade, an increasing, number of studies and clinical research projects have confirmed, the long suspected health benefits (rehabilitation, pain relief, stress reduction, sports medicine applications) to massage. The evidence continues to mount that “ancient” holistic and alternative medicine had the right idea. More physicians, physical therapists and chiropractors advocate massage in mainstream medicine.

Across the 50 states, a professional massage certification or license requires up to 1000 hours training, testing and ongoing education for re-certification. National certification requires 500 training hours to become a member of the American Massage Therapy Association.

At the same time the mind-body-spirit community is growing. From 2010 to 2014, the number of private clinics and spas that offer massage has almost doubled. Careers in massage therapy are on the upswing.

  1. Massage is an Ancient Art

Massage dates back to ancient medicine practices in India, China, Egypt and the Roman Empire. Its’ healing properties were recorded in Chinese literature from 4,000 years ago. If you look at the historical record around the world, the practice of massage and manipulation (similar to chiropractor) has always been around.

  1. Massage Got A Bad Reputation in the 1850’s

Massage developed in the East. Swedish massage was introduced to America in the 1850’s. During the next 50 years it became a more widely used.

It was practiced by American doctors (sometime as manipulation to readjust the bone structure). It also got a bad reputation in America’s boom towns when local madams advertised massage to try and pretend they were legitimate.

Before 1900, many American doctors were using ancient massage techniques in their practices. The first health massage clinic opened its doors to the public.

  1. Massage is a Staple of Holistic Medicine

As the “peace and love” decade (1960’s) was digested by America a public awareness of holistic and alternative health remedies began to slowly make its way back into mainstream thinking and public consciousness, awareness of the health and well-being benefits of massage began to grow.

Licensed massage therapy became more professional and accepted by the public. With the advent of modern chiropractic and physical therapy practices, massage techniques were incorporated with medicine, as well as, a separate alternative and mind-body therapy.

By the mid 1990’s alternative therapies and ancient medicine techniques were being “rediscovered”. With the turn of the century, there was a revival. Massage therapy, was recognized as a treatment for relaxation and stress relief.

So whether you have a medical condition, chronic pain or desperately need to deal with the day-to-day stress of your life… remember that massage is a respected and ancient remedy. And it works!

2016 10-11

Credit Card: Friend or Enemy?

Are you planning to buy something? Among the payment choices that a person has, credit cards are considered to be one of the easiest ways to pay the bill. All that you need to do is to swipe the card and that’s it, but what about paying it off later? And if you don’t settle your credit card bills within the grace period, what about the accrued interest? There is a lot of management required if you have a lot of credit cards in your wallet. Credit cards can be your friend only when you know how to settle the bills within the deadline, but they can be your deadliest enemy if you don’t know how to monitor them. The more credit cards you have, the more pile of debt you’re going to tackle.

Credit cards are friendly, but any mismanagement with them can get you paying high interest rates. They are practically very helpful because you can use them anytime, anywhere, but their use is often unwise. If you set your financial plans and you know where and when a credit card can be the right choice for you, you’re going in the right direction. Setting up goals and plans can save you from making an unnecessary transaction. Not only do your financial plans support your future, but they can also save you from a stack of liabilities.

There are always merits and demerits of everything we choose to use. If there is a risk, there can be profits too. Likewise, if credit cards can put you in trouble, they sometimes can get you out of trouble too. They are helpful when any emergency knocks your door and can boost your purchases, which can be a con too. When your cash is readily available, you are willing to buy something unnecessary, which can increase your expenses, so you need to keep an eye out for that.

How to avoid credit card pitfalls?

There are few precautions that you need to bear in mind while using a credit card:

  1. Monitor your debts – You need to track your debts and keep a monthly check and balance on your credit card bills. It will help you stay away from high interests and taxes.
  2. Prepare a budget – You need to make a budget so that you can avoid additional expenses.
  3. Make an effort to stick to the plan – You need to stick to your financial plans and pay the bills within the grace period.
  4. Extra precautions – Always choose a reliable company to get a credit card. Moreover, keep an eye on your online purchases since they can deduct much more than you assume.
  5. Stolen cards – In case your credit card gets stolen, report the company as soon as possible.

Credit cards are easy to use but hard to manage. You can maximize your benefits by evaluating the pros and cons of using a credit card. If you avoid the cons, you are prepared to enjoy the advantages.

2016 10-03

Top Financial Issues Facing Canada

moneyThe world now lives in the fear of financial crisis. The European Union, United States of America, all have been its victims. It is not different about Canada either. It is also struggling with financial problems. In the wake of recent events, here are the seven big Canadian financial issues.

First one of the seven is the fact that Canada’s deficit was 3.3% more than their gross domestic product. This is one of the worst readings in a developed country. This is also the highest reading in past 20 years. This has resurrected the fear of the era which saw Canada’s debt rate hit the bottom.

The second one is its lack of economic slack. Official estimate says that Canada’s output gap is minus 1.5 percent, which is smaller 5.9 percent of the demographically adjusted unemployment rate. Studies show that firms are now struggling to meet the demand of worker. This is not a good sign for the financial sector of the country. The country is going to struggle to keep up with the pace of other countries.

soldNext one is in the housing market. Despite the data says the housing market is actually doing very well, especially in the more popular centers like Kelowna BC, this is mostly due to the fact that Canadian’s offer cheap borrowing cost and are ready to provide ready access to credit. Only a few countries managed to get profit by using this combination.

The fourth worry is about household credit which has shrunk to two-thirds from its peak and is expected to go down further.

The fifth one is the fact that studies show Profit of Canadian corporate has fallen five of the seven quarters. Firms all around that are affected with the decline of commodity price and are now seriously considering their future investments. Canada too will be affected by this.

crisisCanada’s poor competitiveness is the next problem. Unlike other countries, which were affected by the global financial crisis, where they were forced to hit the reset button, Canada managed to avoid such decision with the combination of stronger currency and inferior productivity growth. But now that has forced the cost of labor to raise up to 53% compared to The USA.

The seventh one is Canada’s trade market is on decline due to Canadian dollar fall and fall in commodity price

2016 09-27

A Credit Card’s Grace Period

There are many benefits of getting a credit card. These range from lucrative sign-up bonuses to highly gratifying reward points and from life and accidental coverage to frequent flyer miles. However, none of these incentives are more useful to the common man than the grace period of a credit card.

credit-card-debtBefore we delve into why the grace period is such a big deal, it is important to understand how credit cards work and differ from debit cards. A credit card looks just like a debit one but functions in an entirely different way. In a debit card, the funds for a financial transaction are deducted from your account on the spot. There is no possibility of getting a loan and stretching beyond your means when using a debit card. On the other hand, a credit card has a monthly billing cycle. What this means is that when you make a purchase via your credit card, you are essentially taking a loan from the bank. As this is a loan technically speaking, you can even buy things that you wouldn’t normally be able to afford. This is the biggest advantage of using a credit card.

As mentioned above, a credit card facilitates your transaction by taking a loan from the bank. Based on when you return this loan, this may have zero or a very high rate of interest. Strictly speaking, whenever a transaction is made via a credit card, you have until the end of the current billing month to pay off this debt. Should you be able to return the funds during this period, you will not be charged a single penny more than the price of your commodity. However, if you are unable to return the money you owe the bank (by either not being able to pay a cent or not being able to pay the bank back in full), your loan will start accruing more and more interest. It is, thus, of the utmost importance to pay off your loan before the end of the current billing month. This period when you have a zero-interest return rate on your loan is technically referred to as the grace period of credit cards.

What we love about the grace period is that it is typically between 21 and 25 days. Thus, you have no pressure to return the sum urgently as you have at least three weeks to reallocate the funds so that you can pay off the bank. In today’s cynical world, even the most microscopic loans fetch gigantic returns due to the hefty interest rates that they demand. This is why the grace period is such a good offer if used correctly. In theory, if you can pay off the bank before the start of the next billing cycle i.e. during the grace period, you essentially have a zero-interest loan agreement, which is always a huge plus for anyone with limited means.

2016 08-29

The Pros and Cons of Investing in Property

It is essential to consider the benefits and risks before investing your money in property. The more knowledge you have about investing, the lower your risk will be. Here are the pros and cons of making an investment in property.

Stability

debt-consolidation-houstonOver time, property has been seen as a stable investment as compared to a few other markets. Though it has its ups and downs, the market as a whole tends to be less volatile than other investments such as the stock market. The reason behind this stability might be the fact that property takes a longer time to sell and is almost always in demand.

Leverage

If you can leverage your investment, it means you can purchase more with less money. With property, this happens when you put down a deposit on the property, and the bank gives you the rest on loan. Leverage helps maximize your return on investment when you experience growth.

Positive Cash Flow

One of the advantages of owning an investment property is that you can rent it out. If the rent is enough to cover the mortgage, you are effectively getting someone else to purchase the property for you. When you lease it to someone, the people renting the property pay for the mortgage.

Long-Term Investment

Many people prefer property as an investment over other options because it can be an excellent long-term investment. By securing your piece of land today, you can gain benefits from it in the future. With the progression in inflation, your property and its rent is likely to go up in value if you invest in the right area. Over time, your cash flow will improve as you collect more rent and your mortgage will decrease or stay the same.

Liquidity

soldWhile shares can be sold at a moment’s notice, it takes longer to sell a property. Varying from location to location, it could take weeks or even a few months to sell your property. This lack of liquidity can be a drawback if you need your money quickly to use it in other areas of your life.

High Entry Cost

You can buy shares for as little as $500 and invest in silver for as little as $20. However, the case with property investment is different. The property is going to cost you thousands and thousands of dollars just to get into the market. The property prices are constantly on the rise, so it is continually getting harder and harder to get into the market. This is the reason a lot of investors do not go for property investment as it is difficult to begin investing if you do not have a lot of money initially.

Additional Costs

The property carries ongoing costs that you do not experience with other investments such as council rates, insurance costs, mortgage repayments, renovations, and maintenance. These additional expenses can be constant or come as a surprise when you least expect them.

2016 08-26

How SEO Can Help Your Business

Due to the ever-increasing popularity of the internet and social media, more and more companies are investing a significant portion of their budget on search engine optimization (SEO). SEO means increasing your audience online by elevating your chances of being featured in the search results of popular search engine likes Google, Yahoo, and Bing. Many Fortune 500 companies have been found investing in SEO because if they don’t, their rivals will overtake them. To understand how our SEO services can assist your business in fulfilling its potential, take a look below.

1. Improve Search Engine Ranking

seoYour search engine ranking is the popularity ranking of your website on search engines. Once your ranking increases, there is a higher chance of more traffic being diverted to your web page. This can be invaluable to a new startup or blog looking to establish itself in the market.

2. Better Conversion Rate

Your conversion rate is defined as the ratio of the number of people who become your customers to the total number of individuals who visit your web page. Not only will the traffic being diverted to your website increase due to better SEO, but the people visiting your web page will also be those who are genuinely interested in your product. This increases your rate of converting potential clients into customers and can boost your sales.

3. Increase Brand Awareness

The biggest reason top brands in the world do so well is that the majority of people worldwide know about them. Thus, it is important to create awareness about your brand among the masses, both domestically and globally. With proper SEO, you can do just that. By raising awareness about your brand worldwide, you are bound to increase your sales exponentially, which can be priceless to a newly founded organization or blog.

4. Engage with Your Customers

seo-optimizedIt’s an open secret that clients love it when companies regularly talk to them to get input on how to improve their product. When your blog or web page has been search engine optimized, you will be in a better position to engage with your customers and get invaluable input to improve your product. When people see their recommendations being put into practice, they are bound to develop a sense of comradery, which can further boost your sales.

5. Become the Top Brand in Your Niche

Every large brand in the world started off from where you are now i.e. as a startup. The reason it enjoys flagship status in its respective niche is that it capitalized on the needs of the market by supplying what was in demand at an eye-catching price. Once you have search engine optimized your web page or blog, there is a higher probability of you emulating its route to success. Once enough people know and care about your product, you will improve your reputation in the niche that you specialize in and can, thus, improve your chances of global success.

2016 07-12

Kelowna BC Canada

Kelowna is in the heart of wine country and home to some of BC’s most spectacular natural wonders. Many retired folks and tourists are pouring in to see our wonderful city.

With a growing tech sector, an acclaimed BC university and a housing boom like no other, the Okanagan valley’s largest city is now growing like never before. Kelowna is a city that has managed to keep a fine a balance between fantastic lifestyle pursuits along with economic opportunities that should ensure Kelowna has long term sustainability.