2015年10月

The absolute truth about generic Viagra online is that they're counterfeit. That is why they won't work effectively. They could work but you're risking your health with a replica that may have more adverse effects than the original one by Pfizer. Pfizer still holds the patent for the manufacture of the drug so, if it's not made by this company it is fake or generic Viagra.

Since the FDA approved the mass production and distribution of Viagra in 1998, the blue pill for erectile dysfunction became the pharmacological gold. The rip-offs started to mushroom eventually, attempting to grab a substantial share of the hush-hush market of men with erectile dysfunction.

Pfizer soon opened its franchise to online pharmacies. The objective of these pharmacies that operate through the Internet is to target men who do not want to come out in the open about their ED problem. The online pharmacies sell the real, FDA-approved Viagra. As a standard operating principle, these online pharmacies require a prescription from their in-house physician. The consultation from these online pharmacies is usually free of charge.

Other pharmacies that sell the generic Viagra online charge extra for the consultation and prescription. Their versions of Viagra are sold at really low prices. You should set off the red alert when you suspect the prices to be too low. Many people have been scammed already and these users have risked it all in the name of privacy.

Many of these pharmacies that are not part of the Pfizer franchise would claim that they are selling sildenafil tablets. Yes, sildenafil is the active ingredient in the real Viagra but the huge difference is the FDA approval.

When you say counterfeit, does it mean generic? Unless the drug is made by the patent holder, packaged professionally, or bears the FDA confirmation, what you may be getting as generic Viagra online is the fake Viagra. It may have just been dyed blue and sold at ridiculous prices to pass as the real thing.

The real thing has real side effects like headaches, blurred visions, diarrhea, flushing, nasal congestion, dizziness, or dyspepsia. The worst effects are in the line of stroke, heart attack, or blindness. With these generic Viagra online, who knows what the risks are!

Erectile dysfunction is a real medical condition that is suffered by over 30 million American men. It is no surprise that many Viagra-like pills would come out to claim their percentage from this lucrative market.

Instead of going for prescription drugs for erectile dysfunction like Viagra, why not try to treat yourself naturally? There are already some proven natural treatments for this medical condition. Often, the natural counterparts of processed medications would exhibit the same efficacy and effectiveness. It is just a matter of discovering them and putting them to use.

The best thing about natural treatments or medications is that the hardly have any side effects on the user. Natural and organic substances as well as other natural methods for treating erectile dysfunction could well be your safest bet.

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Why do we cling to the myth that women don’t understand money as well as men?

If you look at the personal finance books out right now, some of the titles might convince you that women need “special help” when it comes to figuring out saving, investing and budgeting. The current self-help tomes include Prince Charming Isn't Coming … SHOO, Jimmy Choo! The Modern Girl's Guide to Spending Less and Saving More … Does This Make My Assets Look Fat? … Girl, Get Your Money Straight … A Purse of Your Own: An Easy Guide to Financial Security.

Judging by these titles, you would think contemporary American women are naive shopaholics or squanderers. But is that really the case?

Data suggests women and men don’t spend that differently. The Bureau of Labor Statistics, which tracks consumer spending patterns per gender, finds that personal spending between the genders evens out. For example, while women have historically spent more on their apparel than men do on theirs, recent findings show that men are spending more on eating out, audio and visual equipment and transportation.

Do women run wild at the mall? Data seems to say otherwise. While the most recent BLS data indicates that 76% of women have at least some credit card debt compared with 67% of men, it also reveals that credit card balances are higher for males. Empathica, a firm providing consumer insights to retailers, polled more than 7,200 U.S. consumers in 2009 and found that 72% of women had reduced their retail spending in the recession compared to only 62% of men.

Two surveys suggest women might be more prudent investors. In 2001, a study conducted by two University of California, Davis professors titled Boys Will Be Boys: Gender, Overconfidence, and Common Stock Investment appeared in MIT’s Quarterly Journal of Economics. Looking at patterns across 35,000 households, Brad Barber and Terrance Odean determined that male investors traded stocks about 50% more often than women investors, with their market timing efforts resulting in poorer returns and more frequent fees and charges.

In March 2009, University of Oregon professor Ellen Peters conducted a nationwide survey which revealed that just one in every 40 women had "made riskier investments looking for long-term growth" in the past week, while one in eight men had taken such a risk.

Other surveys find women prioritizing savings and debt reduction. TD Ameritrade has a new poll out in which 68% of women say they intend to save more of their money in 2011, compared to 62% of men. In a 2010 Citigroup survey, 48% of women aged 18 to 39 said that they were saving more money than they had in the past. Overall, 72% of women in the Citi survey responded that they would use extra cash to pay down debt, compared to 65% of their male counterparts.

The real issue is unequal income. On average, women live longer than men and therefore need more money across a lifetime. Yet on average, they don’t earn as much as men. According to the Labor Department, women working full-time after age 24 still earn just 80% of what men working full-time do.

However, the National Center for Women and Retirement Research estimates that 75% of women will be widowed – at an average age of 56 – and that 90% of women will be solely responsible for their financial situation at some point in their lives.

There is no need for condescension; there is a need for comprehension. Women do need to realize the financial challenges that come with potentially longer life spans and potential absences from the workforce, and plan accordingly. But, it’s time to shed the old stereotypes and myths.

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Healthy employees equal savings.

That's the message behind a plan to open an on-site medical center that would treat Delray Beach city employees who pay for health insurance and their families.

At a workshop meeting Tuesday, Human Resources Director Bruce Koeser and consultants from Gallagher Benefit Services gave a presentation that outlined the benefits of a having a on-site clinic that could treat employees for illnesses, minor accidents, perform lab and blood tests and pre-employment exams at no cost to them.

With health care costs running about $7 million a year and increasing exponentially, Koeser said the on-site clinic could bend or end the trend of costlier heath care in the future. The city could save money on co-payments to doctors under its current medical insurance plan.

"The good part is there is a saving for the employees too," Koeser said.

Ocoee, Palm Bay and Port St. Lucie already have on-site clinics. Delray Beach could save up to $1.4 million if every employee were to take advantage of the services, the consultants said.

Koeser said Port St. Lucie has been getting about 70 percent of doctor visits from city employees and they've only been running the clinic for about two years.

"Convenience is very important and it would decrease absenteeism," said Jodie Jupp, the lead consultant. "It's a different approach, an innovative way to deal with the long-term costs" of health care.

City commissioners gave the plan a go. Koeser said the city would prepare a request for proposals from companies that offer medical center services and would only have to set up shop at a city building.

Commissioner Angeleta Gray even suggested using the empty Old School Square parking garage retail space.

The medical center would be staffed with primary care physicians and nurses; and it would treat employees at no cost for visits that would generally take a co-pay by both the city and employees under the current plan. The clinic would also have a dispensary where employees could fill prescriptions for generic drugs for free. Blood test, drug tests and X-rays would all be free.

The city spends about $500,000 a year in physicals for police officers and firefighters. It also spends about $1 million in co-payments for prescription drugs.

Portia Dinkins, the city's compensation and benefits manager, said the idea is also to use the services of a wellness coach -- a professional who would keep employees with predisposition for certain diseases from ever developing them through diet and exercise and a healthy lifestyle regimen.

"We would be producing healthier employees," Dinkins said.

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In the old days, reward credit cards were primarily cards that would earn you airline miles. Those cards still exist, and are quite popular, but now you can earn everything from a new iPod to tickets to Disneyland.

It all sounds quite impressive – you use your credit card as you would any other card, but each time you use it you are earning “points” toward your chosen reward, whatever it may be. These cards can be a real boon to your vacation, your Christmas shopping, and perhaps even your clothes closet. But there are some things to be aware of, to be on the lookout for and to careful of.

Not all rewards cards are created equal. That is, some have restrictions that might result in you deriving little benefit from the card. Let’s look at some crucial considerations you should make when choosing a rewards card.

First, consider why you want a rewards card. Do you want to earn airline miles? Gift certificates at certain stores? Whatever it is, make sure the card offers the right type of reward for your needs. If you choose an airline card, but that airline only offers limited flights from your local airport, you should find an airline card with which you can really maximize any benefits you get.

Likewise, if you find a card that offers double points on purchase like gas and groceries, but you use your card primarily for purchases of travel and clothing, you won’t earn as many points.

The lesson here: Read the fine print so you can get the best bang for your rewards credit card buck.

Second, always read the fine print before you sign up. It might sound like it’s easy to earn rewards but you might find that with most cards points are not matched dollar for dollar. That is, if you spend $100, you don’t necessarily earn 100 points (or miles, or whatever your card rewards you with). You might earn 500 points for every $1,000 in purchases. If your card rewards you with gift certificates at a favorite store, you might have to spend $1,000 to earn a $10 credit.

The lesson here: This lesson is the same as our last one, which is read the fine print and, in this case, do a little math. With the fine print at your fingertips, do the math to figure out if this is a good deal for you. Will you spend enough money each quarter or year to earn satisfactory rewards?

Third, use the card as often as you can. Of course, you don’t want your balance revolving from one month to the next, but charge everything you would normally use cash for. If you know you’ll pay the balance each month, then it makes sense to pay for everything with your rewards credit card – you’ll be surprised how quickly your rewards will grow when you use the card for everything from gas to groceries to movie tickets. And don’t forget recurring charges – like your satellite or cable television service, your utilities, and the like. If you can use a credit card to pay for these services, do.

The lesson here: If you are careful with credit, you can earn your rewards quickly by remembering to use your card for a multitude of purchases.

Finally, don’t lose your rewards. Pay attention to expiration dates (or blackout dates) or anything else that might affect when and how you can use your rewards. It would be a shame to be diligent in earning the rewards only to lose them because you didn’t pay attention to that bit of fine print.

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Prime Minister Tony Blair was scheduled to be flown from his constituency in Sedgefield to London to meet the body of Princess Diana on its arrival from France in the aftermath of her death in August of 1997. What was rather puzzling was why the flight crew had been on standby to make that very same flight two days earlier on Friday...before Princess Diana had even died!

A week prior to the crash in the Point d'Alma Tunnel the BBC (British Broadcasting Company) strangely conducted a dress rehearsal funeral for a member of the royal family. Who could it have been for?

It is possible that it could have been for the Queen Mother, but at that time she was not ailing and in fact was in robust health for someone of her years and went on to live for another five years before her death in 2002.

This intriguing "coincidence" was covered in Princess Diana: The Hidden Evidence an excellent book written by investigative reporters Jon King and John Beveridge!

Why Was A Regular Wireless Operator At British Embassy In Paris Booted From His Post Minutes Before Princess Diana Left The Paris Ritz Hotel?

The weekend of Princess Diana's death a spokesperson at the British embassy in Paris claimed that staff there were unaware that the princess happened to be in Paris. YEAH RIGHT! Why then was a very senior Royal Courtier seen at the embassy half an hour before the crash!

The senior courtier seen at the embassy a bare half hour before the crash (according to what appears to be a very credible witness) was none other than Sir Robert Fellowes (currently Lord Fellowes) private secretary to the Queen and brother-in-law to Princess Diana. Lord Fellowes is married to the late princess' sister, Lady Jane Fellowes.

Lord Fellowes has been described as a man totally devoted to the monarchy and the Queen and in the graphic words of a senior British politician he is a man who well understands that the description of his duties entail him to "throw himself in front of the bullets before they hit the Monarch!"

In the words of constitutional expert Vernon Bogdanor, the position of Private Secretary to the Monarch is `one of the most important posts in the British system of government and a mainstay in the institution of constitutional monarchy' and must `guard the constitutional position of the sovereign.'

Lord Fellowes possessed all the characteristics and qualifications necessary to excel as Private Secretary to the Monarch. As Labor politician Harold Laski put it:

"he must know all that is going on; he must be ready to advise upon all. But he must never so advise that he seems to influence the decision taken by the Queen in terms of the premises of his own thought. He is the confidant of all ministers, but he must never leave the impression that he is anybody's man. He must intrude without ever seeming to intrude.

He must learn how to deflect the lightning from others. He must be able to carry the burden of her mistakes. He must not know the meaning of fatigue. Receiving a thousand secrets, he must discriminate between what may emerge and what shall remain obscure ...It is a life passed amid cir[censored] stances in which the most trifling incident may lead to a major disaster."

Coincidentally, the weekend that Princess Diana died, deputy Private Secretary Sir Robin Janvrin was on duty because his superior Sir Robert Fellowes had taken the weekend off. Subsequently in the investigation covering the death of Princess Diana Lord Fellowes was asked to account for his whereabouts that weekend.

His response was that he was at his Norfolk estate in England with his wife and most certainly not in Paris!

However the wireless operator on duty at the British Embassy that weekend has an entirely different recollection of the matter:

What The Wireless Operator Witnessed On August 31, 1997

Apparently a few minutes to midnight, on August 30th, 1997, the regular wireless operator at the British Embassy in Paris was booted out of his office (the communications room which rela[censored] and handled encrypted messages between the embassy and various sensitive locations within the UK).

Sworn to The Official Secrets Act until 2000 (hence his silence), the wireless operator in question had the following astounding recollection about how events unfolded that night:

A few minutes to midnight, two well-spoken public school types (takes one to know one) burst into the communications room and ordered him to vacate the room and not return until otherwise informed to the contrary!

Years later he angrily identified one of the men who kicked him out as follows: "It was that b*****d Fellowes. He turfed me out of my own office. He was in Paris the night Diana died!"

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