Selecting The Best E Cigarette From A Crowded Marketplace

I’ve talked before in this blog about how the e cigarette is a product which has the potential to help you get off tobacco products, and that making the switch could be beneficial to your health. Since there are so many different brands on the market these days I thought I could be helpful if I ran through some of the top products to give you an idea of which are worth buying.

As I said previously E-Lites was the brand I discovered first, and it’s one which I still rate very highly, but there are others out there which have their advantages. Let’s take a look at two other e cigarettes which I think are worth considering when you want to get into vaping.

1. Green Smoke – The Green Smoke cigarette is a product which is familiar to anyone who has done the slightest amount of research on the Internet thanks to this company’s aggressive marketing techniques. Thankfully they are not only well known, but they also make a product that lives up to the hype. Green Smokes are undoubtedly made to a very high standard which sets them apart from most other manufacturers out there. Their electronic cigarettes taste great, produce amazing vapor, and last for an age before you need to replace them.

The only downside to Green Smoke products is that they are far from the cheapest on the market. You will still save a tonne of cash compared to using tobacco but if you are on a tight budget then you might want to look elsewhere.

2. Safe Cig – Safe Cigs are in many ways even better then Green Smoke but they have a couple of points which push them down into the number two spot.

The positives about this brand are the flavor of the carts (the best in the industry) and the size of their Micro e cig (about as close to the size of a real cigarette as it’s possible to get). They also charge very little cash for their starter kits which means you can get started for about $60.

The downside to the Safe Cig is that it doesn’t produce as much vapor as the Green Smoke so it’s not quite as satisfying to use.

Whether you opt to purchase the E-Lites brand I have talked about before or go for one of those reviewed here, you can be sure these three products are some of the finest available on the market today. Select one of these instead of the many inferior products for sale on the Internet and you ensure you have the best possible chance of making the switch to electronic cigarettes over the long term.

Did E Cigarettes Save My Life?

After smoking for over 10 years it was always going to be a difficult thing for me to kick the habit in to touch. I did actually try (and fail) on many occasions over the years trying methods that included hypnotherapy, nicotine patches and even cold turkey (i definitely don’t recommend this!).

When electronic cigarettes first became available I was very skeptical passing them off as another gimmick, so much so that I completely ignored them for a couple of years! WOW what a wasted couple of years I have since learned that was!

I first decided to try a brand called E-Lites after reading this review of the E-Lites e cigarette. I definitely struck it lucky first time around as they are a very good brand, I did however decide to try another brand just after this and they were pretty poor. If I had tried these first I probably would have given up trying e cigarettes there and then!

The good thing is that I am well on my way to giving up completely and only use an ecig once or twice a day at most. If you are on the fence don’t hesitate to try them out, like me it could save your life!


The Amortization Calculator

An amortization calculator is simply a formula which is used to work out the sum due in repayments each month as part of the schedule of repaying a loan or mortgage. The ‘calculator’ itself amounts to little more than a simple mathematical formula, but the concepts behind the raw calculation can be a little trickier to understand.

Amortization, in its simplest terms, is the process of reducing a loan, or sometimes the value of an asset, by an amount paid at regular intervals. The term itself shares a root with the French word for death, mirroring the fact that the loan is ‘killed off’ slowly.

The total amount of every installment of the repayment schedule is the same. However, a schedule will often apply more interest to the regular amount at the beginning of the schedule, and less of the actual amount to be repaid, commonly referred to as the principle.

Despite these variations, the amount of each repayment still remains the same throughout, spreading the burden of the loan over a pre-agreed period of time. This has become a pretty standard way of conducting loan arrangements throughout the capitalist world.

An amortization calculator is a useful device to use before purchasing a loan of any kind, as it usually allows the prospective borrower to see which loans they can actually afford, or to see how a loan can fit into a budget and possible schedule. It can reveal the exact amount of money will be paid in interest and repayment of the principle for each payment, allowing the specifics of a credit agreement to be tweaked until it fits to the customer’s needs and ability to pay.

The actual mathematical formula such a calculator uses is based around the principle being multiplied by a complex calculation of the interest rate, which in turn is being multiplied by itself plus one, to the power of the number of repayments, then divided by the rate plus one to the power of the number of payments minus one. It is much easier to follow the calculation when presented mathematically, but easier still to use a computer programme.

Most of this kind of calculation tool work alongside a programme such as Excel, which allows the repayment formula to be built into complex spreadsheet calculations. Other computer programmes can, of course, be used, but it is advisable to use some form of technology rather than raw calculation in order to ensure that the amounts are correct.

As well as for long-term loans such as mortgages, which can be quite complex, the calculation tool can also be used to help assess more short-term and simpler credit arrangements, such as student loans or finance for a vehicle. The formula is essentially a universal one, though there may be slight variations according to different countries.

An amortization calculator can be a valuable tool for any household considering making new credit arrangements. It is also wise to seek proper, professional advice in order to make a proper judgment and efficient assessment.

Six Natural Ways to Lower your Blood Pressure

Hypertension or high blood pressure is known as the silent killer. Hypertension is defined as a systolic reading above 140 or a diastolic reading above 90 (use a blood pressure chart). Many people who have numbers above these ranges have been able to lower them significantly with lifestyle changes. In many cases they are able to avoid taking medication for the condition. The following six lifestyle changes can help anyone battling hypertension.

Losing as little as ten pounds can reduce the readings at the doctor’s office. In general, the more weight a person loses the lower the readings will be. If you must take medication, losing weight also makes them more effective at reaching your goals.

Thirty minutes to an hour of exercise on most days of one’s week can help to lower pressures by 4-9 mm HG. This change can often be seen within a few weeks. Persons that are diagnosed with prehypertension can use exercise to keep the pressures down to a safer level and often prevent full-blown hypertension from developing.

Diets that are rich in fruits, vegetables, whole grains and low fat dairy products can make a big difference in those pressures. People that follow the DASH diet can lower the numbers by as much as 14 mm HG. When following a healthy eating plan, patients should realize an occasional treat is allowable and when used in moderation can help to lower the numbers as well as the stress of a diet.

By lowering the amount of sodium, primarily through eliminating table salt, it is possible to lower the readings by another 2 to 8 mm Hg. Everyone should limit sodium to 2300 mg or less daily. Anyone over age 51 as well as those of African American descent and those with hypertension or chronic kidney disease need to lower their consumption to less than 1500 mg daily. Reaching these goals is easier if the person cuts back gradually.

Alcohol can have both positive and negative benefits on one’s health. Small amounts may actually lower hypertension, but those who consume too much alcohol can make the condition worse. The recommended amount is one drink for women and a maximum of two for men daily. In addition, it is not recommended that those who do not currently drink start to lower hypertension as alcohol offers more potential for harm than for good.

When fighting hypertension, it is important to avoid tobacco products of all types. In addition, avoid secondhand smoke. Nicotine in tobacco products can raise the pressures by up to 10 mm HG. Once elevated by nicotine, the pressures may remain elevated for four hours after smoking. Just six cigarettes daily will keep the pressure high for the entire day. Even second hand smoke can negatively affect your attempts to lower hypertension.

Hypertension is a deadly disease. It may lead to heart attack or stroke. While lifestyle changes may lower hypertension, it is important that patients never stop taking medication for hypertension without first speaking with their doctor. Even if a doctor wants the patient to continue taking blood pressure medication for the condition, the lifestyle changes made will result in significant improvements in the health.

How I Lost Weight Fast

Weight Loss Tips - How I Lost Weight FastLosing weight is not so easy to do as it seems to be. Determination is the key, and this entails the willingness to stick with whatever regimen you might be doing in order to truly lose weight. I have listed the following weight loss tips that I found very effective in losing those extra pounds quickly.

My first tip for weight loss is to eat a lot of fruits and vegetables. I eat at least five servings of fruits and vegetables each day. These fruits and vegetables are packed with good fibers, and vitamins. More importantly, these will fill up your stomach fast so you eat less and feel full earlier. Next on my list of weight loss tips is to watch for portion sizes. For example, a pasta serving is equal to about a half cup of cooked pasta. However, most restaurants serve a pasta dish equal to two or three servings! You do not have to finish off the dish every time.

Another of my weight loss tips is to eat smaller meals equally distributed throughout the day. I have found out that eating four to five small meals is better than eating three big meals each day.  The next tip involves liquids. I have been equally conscious of what I drink as well as, as I have monitored, what I eat. Juice, soft drinks, soda, and even cream, sugar and milk with your coffee, and tea add up. I go for drinking up to eight glasses of water a day. Not only does this help me rehydrate, all those glasses of water also help make me feel full.

The last of my weight loss tips should not come as a big surprise. In addition to keeping tabs on what you eat, it is equally important to take time to exercise. 30-60 minutes of exercise each day is enough to stay healthy. I add a couple of fat burning exercises twice a week to help shed extra weight.

I have found out that though there are many weight loss tips out there, all these will not help you one bit if you do not start being responsible for your own weight. Stop wishing those extra pounds away, and start doing something, anything to all that excess weight.

A Freezerless Refrigerator – My New Years Gift To Myself

Believe it or not, I have decided to purchase a new freezerless refrigerator.  I have been struggling to cope with the little top mounted fridge I have in my kitchen for years now.  I always thought to myself that I could continue to make do, and that it wasn’t worth spending the money to buy a new kitchen appliance, but today I finally snapped.

My friend Jean bought over some great leftovers from her Christmas feast for me.  She always cooks enough to feed an army, which means people like me – who don’t put in quite so much effort – can rely on her handing out the excess from any celebration!

Unfortunately my overly small fridge is already full.  It has a combination of my regular groceries and a huge cake my coworker made for me last week.  Now I had to really squeeze to get this extra food in!  It is great stuff – ham, stuffing, the works – so I didn’t want to waste it.

Thankfully I pulled it off, but I had to be careful for the next couple of days opening the refrigerator to make sure nothing fell outJ

My new year’s resolution is to pick up an additional freezerless refrigerator.  I think I will probably put in my home office, as my kitchen doesn’t have much spare space.  While the official purpose for this new refrigerator without freezer will be to store donations of food, it will also come in handy to keep drinks cold!  Quite a nice little fringe benefit really.

Picking the brand and model will be on my to-do list, to be done as soon as I fully recover from the upcoming New Year’s Eve party.  Thankfully that will not be held at my house – I still don’t have sufficient beer cooling capacity to entertain a crowd.

Installing a Water Filter Cleared My Skin

Up until a few years ago, I suffered from adult cystic acne that was physically and emotionally debilitating.  I had tried all of the topical remedies and multiple prescriptions, but nothing seemed to help.  One summer afternoon, I was visiting a friend’s house and noticed that she had an under sink water filter system in her kitchen.  I asked her about it, and she said she used it to protect her family from the chemicals and harmful compounds in the tap water supply.

Curious, I looked it up online when I got home.  Could tap water somehow be linked to my adult acne?  I was floored when I found hundreds of people online saying that installing a water filter helped clear up their acne.  I spent the next few hours looking at water filter reviews online and finally settled with a brand called Culligan.  It was delivered the next week, I installed it that day (very easy to do, thankfully), and my cystic acne has been gone ever since.  I couldn’t believe that a seemingly simple switch could change everything.

As it turns out, some people are extremely sensitive to some of the chemicals and compounds, like fluoride and chlorine, that are contained in regular tap water.  Switching to water that has these chemicals filtered out can greatly improve a person’s health, just like it did mine.  Some people may say that a water filter is expensive — mine was around $300 — but getting rid of my adult acne has been truly priceless.

Thanks Dad, For Teaching Me About Stocks

As you get older and hopefully begin to accumulate money, it is important to learn how to invest it. Today, too few people have any idea how to save and even fewer have the knowledge of how to invest money for their retirement.

I was lucky because when I was in my early twenties, my father made it a point to teach me how to buy stock. It wasn’t something that I was particularly interested in but he made an ultimatum: either I listened to what he had to say or I could kiss any chance of inheriting money from him goodbye.

Looking back now, I realize how lucky I was to have parents who not only taught me how to save but also were willing to teach me what to do with my money in order to invest it wisely. Most kids today are not that fortunate as the number of households that are in debt continue to rise. We have a society made up of spenders and not savers which means today’s younger generation is not going to be in a good position down the line when they reach retirement age.

It could be argued that things like investing, saving, and finances should be taught in schools. In fact finance is taught in many schools. However, kids really learn when they see their parents doing something. If they see their parents spending without regard, they will assume that is the right thing to do. Right now, too few children have the right financial role models at home and no matter how good a job the schools do, the kids parents play the biggest role.

Credit cards are misused by so many adults and parents that it gives kids the wrong ideas. Not everyone can be as lucky as I was to be born to parents who were financially responsible and it means a troubled financial future for many of them if they don’t learn new ways. Hopefully youngsters will start to realize that there is a better way than going deep in debt. Hopefully enough of them will decide to take their futures into their own hands and start learning about how to save and how to invest. Hopefully they will do it soon!


Debt Relief Helped Me Tremendously

I was stuck making horrible monthly minimum credit card payments for years, and let me tell you it was no fun at all.  I was literally eating peanut butter and jelly sandwiches for lunch almost every day just so I could stay current with the greedy creditors.


Thankfully I eventually found a debt settlement company that promised to help me get out of debt in just a few short years.   Needless to say I was skeptical at first, but I really had no better option other than going through the dreaded bankruptcy.


Well here I am three years later, with no debt to speak of.  And boy does it feel good; I can actually put money away for savings instead of lining the creditor’s pockets; if you are in the same situation than do not hesitate to make a move now.

Sleep Apnea Ruined Any Romance In My Life

Ya know nothing sucks more than to start dating someone you really like just to lose her because of your sleep apnea problem, or should I say snoring problem; which is due to sleep apnea.   I had over five lovely dates and then on the first sleep over the next morning my new girlfriend said she couldn’t sleep at all because of my snoring.

I told her it was because of my apnea and for some reason that gave her cold feet, and she dumped me.  I know that this same problem takes place for so many people who are dealing with this condition.  Thankfully I found quality sleep apnea treatment and now have an oral device that prohibits any snoring.  This is terrific news.