Hair Loss is Not Just About Genetics

Morning all!

Hope you’re doing well. Today I’ll be writing about something which many other men and women have to deal with… hair loss.

Hair loss is a condition that many men and women deal with. However, those suffering from hair loss are generally uneducated about the actual cause of their problem. It is easy to just chalk up hair thinning or baldness, but this is not always the case. While genetics play a large role in hair loss, it is not the only factor that must be considered. Determining the right course of treatment for your hair loss is all about knowing the direct cause. The more you know about your condition only makes it easier to treat. There can be a lot of numerous causes for hair loss and it is recommended that you find out what is behind your poor hair growth cycles. Regaine for men is a hair growth treatment that offers real results and can be used for a variety of different hair loss instances. Genetics may very well be the cause of your hair loss, but it is not the only option.

Hair Speaks Volumes

Your hair is one of your features that is often noticed first. Not only does it play a large role in your overall physical appearance, but it also says a lot about the current state of your health. Thick and full hair is a sign of good health and a balanced diet. It is also a sign of youth and vitality, but thinning or baldness makes the opposite impression. If one or more of your parents has dealt with thinning or balding hair you may wrongly assume that you are destined to suffer the same fate. The truth is that no matter what is causing your hair loss, it is possible to see real hair growth results with the use of Regaine foam.

Some Are Losing More Hair than Others

Losing some hair is not something to get overly worried about. Experts at Regaine say it is perfectly normal to lose anywhere from 50 to 100 strands of hair each day. However, if your hair growth cycle is functioning properly you will see new hair grow in the place of hair that falls out. This is not case in individuals dealing with hair loss due to genetics, medical conditions, stress, poor diet or a variety of other contributing factors. Your body requires the right nutrients to stimulate hair growth and some individuals have something within their body inhibiting this from happening. If you are sure it is not natural hair loss, then there are many topical treatments available for such as Regaine for women.

Should Every Runner Consider Barefoot Running?

Barefoot running, sometimes called natural or minimalist running, is something that is currently all over the news. More and more people are trying it to take advantage of all the health benefits. The question that people have, though, is whether it is something every runner should consider doing.

While there are benefits, there are health considerations to take. It will also depend on your preferences on surfaces for running.

The Stride Is Smaller

It’s important to remember that the stride a runner takes need to be smaller. This protects the knees and ankles from impact injury. However, the shorter stride is not comfortable for all runners. You will need to try the different stride and decide whether it is one for you.

It Requires New Training

Runners who have developed one technique will need to make some changes to their training. They need to change their running style, including running on the balls of the feet rather than the heel. Like adapting to a smaller stride, this can be painful and difficult for some runners. It takes time to adapt, especially for runners who have been training in a certain way for so long.

Risk of Cuts and Bruises

There are risks of cutting the feet. The streets are now littered with broken glass and rubbish, let alone the pebbles and uneven pavements. Minimalist Running Shoes can help to avoid these issues. While they are thinner soles, they offer the basic protection from the broken glass and pebbles. However, it is still important to look ahead to avoid uneven pavements.

Running Won’t Be as Quick

It is not possible for everyone to run as quickly as they would with normal running Shoes UK. This is a disappointing factor for many runners. They are so used to running a certain pace, and then find that they can double their time without Trainers. However, it takes time to build up the speed when minimalist running.

Barefoot running isn’t for everyone. It’s up to each runner to decide whether something is for them or not. It really is a personal choice that you need to make.

Clearing Houses

Just as some people enjoy following the stock market, I enjoy following the derivatives market so I thought I’d share some basic info about it, starting with clearing houses. A clearing house is basically a type of financial institution that usually provides settlement and clearing services for commodities and financial derivatives such as a Credit Default Swap. On top of that, it also comes with a good range of services for securities transactions as well.

These particular transactions can be executed with the help of futures or securities exchange, but they are also executable as an off-exchange through the over the counter Derivative Market. Such a clearing house stands between two different clearing companies and the main purpose that lead to their creation is to reduce the clearing firm that doesn’t honour the settlement obligations.

What’s interesting is the fact that such a clearing house reduces the risk of a settlement simply by netting the offsetting transactions that are made between multiple parties. This requires collateral deposits. A clearing house also monitors the Swap Claims of the clearing firms, brings an independent way to value the collateral and trades, and on top of that it also provides a guarantee fund that can be used to cover the losses if they exceed a defaulting company collateral upon deposit.

When the trade has been executed with two counterparties, no matter if it took place on the OTC market or the exchange, it can then be handed to the clearing house which will start assuming the legal counterparty risk for the trade. The clearing house will take place of the clearing firms and it will assume the risk itself. The whole process of transferring all the trade title to the clearing house is called novation and it literally takes a few seconds in the Interest Rate Derivative markets. Unfortunately, some of the OTC markets might require weeks until the same process is completed.

Since the clearing house basically concentrates the risk of failed settlements, it has to bring a good management and a good capital if it wants to survive, especially in the events of a market crash which can literally destabilize the market.

A lot of times, the guarantee funds of the clearing houses are basically capitalized with the help of collateral from the clearing companies. If a settlement failure does occur, the clearing firm will be declared as default and the default procedures of the clearing house might be used. These can include things like defaulting the collateral and firm position or even orderly liquidation. If a clearing firm failure does occur, then the clearing house will use the guarantee fund to settle the trades using the name of the clearing firm.

The clearing houses are suitable for clearing securities and payments efficiently, so a lot of companies will actually use them to solve their financial problems, which is very useful and helpful as well.

Car Problems You Should Consider Before Buying a Used Car

I recently bought a pre-owned car to help me get to work a lot faster and I’m extremely happy with it so far. Luckily for me, I had my dad with me who was a mechanic so he knows what to check when buying a used car. Without an experienced car checker (like my dad) present, buying a car can be a daunting task. When you are buying a used car that task turns into an all-in gamble. How are you supposed to know whether or not the previous owner drove the car into the Thames or if they filled it with high-octane fuel or some low-grade spirits? Although you might not be able to get a complete history of the car, by getting a car check, MOT check and being away of common used car problems, you can help guarantee that the odds are in your favour. Here are common issues with used cars and how to identify them.

Rust and Body Damage

This is the simplest inspection that you can make. All you have to do is walk around the car, look at the paint job, and look around common rust areas like around the lights and doors, under the wheel wells and under the hood and bottom of the body. Make notes of scratches, dents and nicks that you see. Rust and body damage is almost guaranteed with older cars but it is something that you need to consider. Because while rust is not a big deal, it can spread and become a bigger deal than you signed up for. Rust on the engine is a big warning sign and proceed with a buyer beware mind-set.

Frame Damage

The car’s frame is its skeleton. Everything else, the wheels, engine and door rely on it to be a stable foundation. In the event of an accident, the frame is what is going to protect you and your passengers. It’s important that you do a car check to determine any previous accidents. It’s also a good decision to have a trained mechanic inspect the frame. If you don’t have the resources to have a mechanic inspect the car, inspect the car thoroughly yourself. Check along the car lines and determine if there are any unnatural bends in the frame, if there are, this should be a warning sign.

Brake Degradation

You can’t be sure if the previous owner thought his vehicle was an F1 formula racing car or came to a slow stop every time. Regardless of how hard or easy the driver was on the brakes, it takes a lot of energy to stop a moving vehicle and that means brakes wear out and become less effective. When you are test-driving the car make sure that you listen for whining when slowing down. Take not of how quickly the car comes to a stop and how it feels. If you have the opportunity to take the car to an open car park then try accelerating and stopping quickly.

AC/Heater Problems

When you’re purchasing a new used car, it’s easy to overlook details like climate control, but once winter or summer are at their peak, you’ll want those things to work. There are multiple reasons that your AC or heater might not work properly. The climate gages are easy to check. Simply turn on the air during your test drive and wait a few minutes and see how it feels.

Leaks

A car needs a various number of fluids to keep it running smoothly. Without them, you’re guaranteed to experience complications including an overheated engine and weakened brakes. The simplest way to check for leaks is to look underneath the car. Do you see any puddles or stains on the asphalt that might indicate a leak? Keep in mind that a car that has recently been driven might not have had the time to show their leaks yet. It’s advisable to bring a mechanic with to check MOT criteria.

Clutch/Transmission

There are common problems with the clutch and even the transmission in used cars including chipped or worn gears, leaky seals, slipping or popping out of gear and transmission failure, which usually results in the car being inoperable. It depends on the symptoms your clutch is showing to what is and how severe the problem is. The most common repairs and service to manual transmissions are the replacement of pressure plates and the throw out bearing used to disengage the transmission.

When you go on a test drive make sure that you use your senses: listen for grinds, feel vibrations, notice unusual smells and see leaky puddles under the car on the asphalt.

Tyres

Although worn tyres might not be a make it or break it factor when choosing a car, you probably don’t want to spend another £500 in a month on new tyres. Make sure that you check the tyres for possible prior patching, uneven wear patterns and excessive wear around the edges. Make sure that you inspect the side wall and examine for adequate tread.

In addition to a DIY inspection and possibly having a mechanic evaluate the car, you can use car checks including the MOT check to verify the cars past. Make sure that you ask the seller for the registration number, model, tax disc details and MOT number. Check that the vehicles MOT is up to date and that it’s MOT history check matches the information that you have been given.

Healthy Menu Tips for Fussy Eaters

When you’re trying to feed a family it can be difficult to satisfy everybody’s finicky taste buds. Your youngest hates vegetables, your oldest is a vegetarian and you just want something that fits in the budget. Whatever your situation is at home with your fussy eater(s) you have to figure a thrifty way to provide a meal which includes the important Food Groups For Kids who are developing. Here are tips that will help you with Kids Meal Ideas.

Begin with Starches

Starches are versatile and inexpensive. Start your meal with pasta, rice, and potatoes as your starting point. These are the staple of hundreds of dishes but you can leave them plain and offer 2-3 different types of sauces and whichever isn’t eaten you can freeze for a later date.

Use Small Stuff

We often focus on making the chicken and potatoes and don’t supply a lot of add-ons but they can encourage your fussy eaters to eat more and actually save you some cash. Breads, olives, cheeses, cut up vegetables, etc. are favourite finger foods and they fill up your plate fast without taking away from the budget.

Tapas-Style Meals

Similar to the tip listed above, serving a bunch of smaller dishes such as finger-sized sandwiches slices of sausages, fruit, and bruschetta, rather than a few large dishes. This offers the variety your family demands but you can simply use the extra ingredients from the smaller dishes for innovative meal ideas for later in the week or freeze it for later in the month.

Offer Soup

One of the easiest and thriftiest way to satisfy taste buds and hunger stomachs is with soup. You can keep it simple with classic soups that you know everyone will love or switch it up with something such as Butternut squash soup to expand their palates.

‘Build Your Own’ Nights

This is a great way to use up leftovers or purchase some inexpensive ingredients and have a ‘build your own night.’ Whether you’re building pizzas, sandwiches, tacos, etc. This will get your young fussy eater involved in the cooking process and they’re more likely to eat what they’ve built.

Look for Sales

Always look for bargains in your supermarkets. Always try to buy produce that is in-season and purchase items with the future in mind. For example, if there is a sale on chicken breast, is it worth buying more and freezing it? It can be worth it to go around to several different stores to pick up your produce at one and meats at another.

You want to be frugal but you also want to make sure that your family is receiving meals from quality ingredients. All you have to do is get a little creative to find Simple Recipes For Kids to feed a variety of taste-buds without breaking the bank.

What Are Interest Rate Swaps?

Even as a teacher, you learn new things every day. Yesterday, a student asked me about OTC Derivatives Clearing and I had no idea what it was. So I researched and found the answer; it’s pretty interesting stuff so I thought I’d share it.

There are many different types of investments that can be used to increase your profits. However, there are certain investment opportunities that are more specified and have a more distinct purpose.An Interest Rate Swap is a form of OTC Clearing and is done through the use of a clearing house and are the exchange of cash flows between two parties. The swap rate that is exchanged is either fixed or floating. Why are interest rate swaps becoming so popular?

Basics of Interest Rate Swaps

It is important to understand that the principal amount of the payment is never exchanged between the two parties. The only exchange is in the interest rate, which is determined by the specified amount of the principal. The most common exchange of interest rate swaps involves the swap of a fixed rate for a floating rate. This means that instead of paying a fixed amount the rate will fluctuate based on the LIBOR.

Why Opt For Floating Over Fixed?

Exchanging a fixed interest rate for a floating interest rate may seem risky, but it is an investment opportunity that many firms, banks and corporations find appealing. Many parties that look to the Swap Rate find that predicting the LIBOR can be difficult, but it can also be a lucrative opportunity if you guess wisely. Trying to predict the LIBOR is contingent on many factors, but if you exchange a fixed rate for a floating rate when the LIBOR is most favourable you will have the ability to amass extensive savings and earn profits from the other party involved in the interest rate swap.

What About Fixed?

The advantage of swapping a floating rate for a fixed rate is all about risk management. If you want the ability to lessen the amount of risk that you face, it can be beneficial to swap interest rates with another party that has a fixed rate. Knowing your fixed rate gives many firms, companies and banks stability knowing that the rate will be consistent and will not fluctuate.

Benefits

This type of investment opportunity is more specialized and not really ideal for individuals. It is often used by firms, companies and banks as a means of risk management or for calculated risk growth. The best part about these swaps is that they are overseen by a Clearing House and are completely guided by restrictions designed to protect both parties involved in the swap.

Common Injuries in Marathon Runners

Ideally every stride a runner takes would be free of painful twitches, aching knees, stiff hamstrings and lingering soreness. But runners know that we don’t live in an ideal world and running disturbances both major and minor are part of the sport that you adore.

Injuries in marathon runners range from severe injuries such as stress fractures to moderate injuries such as aches in the knees that come and go. How you respond to ailments and aches will determine how quickly you are in great shape for your best performance and for your body’s safety.

There are common injuries that plague runners and if you don’t give them the medical attention that they need then they can take a turn for the worse and force you to take time off. Here are 3 of most common injuries, according to a Physiotherapist, so that you are aware what to keep an eye out for while accessing your running performance.

1. Runners Knee

About 40% of runner’s injuries are knee-related making it a very common injury. This happens when the cartilage around the kneecap is worn down and becomes irritated. You may feel pain when you are going up and down stairs, squatting or sitting.

2. Achilles Tendinitis

This is when your Achilles tendon, the tendon that connects the two calf muscles to the back of the heel, is under too much stress and tightens. This can be caused by adding too much distance too soon to your training or inadequate calf stretching. The pain and stiffness is generally worse in the morning and during activity.

3. Plantar Fasciitis

It’s not surprising that more than 15% of runner’s injuries are to the foot. With every stride out feet absorb a force that can double or triple our body weight.  The plantar fascia is the thick tissue band on the bottom of the foot that reaches from the heels to the toes. When that band tears or becomes inflamed it is a real struggle for runners. It’s more common in individuals with high foot arches and tight calf muscles but also caused by increased distance.

A Chiropractor would recommend that you RICE (rest, ice, compression and elevation) but in addition to this, visiting a Chiropodist, a medical professional who specialises in the foot and lower extremities, can limit your recovery time so that you are running at your full potential as soon as possible. An Osteopath can also offer long-term treatment or prevention plans so that you can enjoy your passion 100% pain-free.