Archive for June, 2008

Legal Steroids - The Alternatives

Sunday, June 22nd, 2008

Steroids have been illegal for some time now and everyone knows the potency of the real thing but legal steroids and their alternatives are quickly catching up as a viable alternative to the black market illegal steroids.

Over the last few years the serious body builders have been using the alternative legal steroids and achieving amazing results. Legal steroids like Androstenedione ( andro), 1-AD,1-test and 4-Androstenedione are the closest thing to real steroids and these are available legally. These alternative steroids when used correctly are both a safe and effective way to enhance and boost strength, energy and muscle recovery.

The first legal steroid that body builders used and promoted was Androstenedione. This is also known as a prohormone and was first used by East German athletes to enhance their performance and was their secret weapon for some time.

Andro works in the following way. As a result of an enzyme conversion in the liver Andro exerts an anabolic effect. The enzyme in the liver acts on the molecular structure of Andro and from this reaction it converts, in a completely natural process, the andro into testosterone.

Since the introduction of Andro which was considered to be the first steroid alternative there have been many other related products over the last few years. There has and is much debate whether increasing the amount of Andro will increase the effect but as with any drug it is dangerous to start altering the dosage unless supervised by qualified people.

On January 20th, 2005 the US Federal Gorvenment’s ban on prohormones took effect. This included the Androstenedione ( andro), 1-AD. Body builders must now look to other alternatives to enhance their programs.

DHEA Pre-Cursor Hormone is one of the alternatives at the present. As a pre-cursor hormone, it leads to the production of other hormones and as a supplement has shown some awesome results. DHEA supplements act as an anti aging by maintaining the levels of DHEA that occur naturally in the body that decrease as we get older.

Anyone considering using a product containing DHEA should first check the laws of their own country as they vary from one country to another.

Beth Black is the webmaster for Keyword Articles that offers free keyword targeted articles. Keyword articles are one of the most effective ways of promoting your website and attracting targeted traffic. http://www.keyword-articles.info

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I’ve Heard About FACTA; What Does It mean

Saturday, June 21st, 2008

What FACTA means is that if you, as an individual, lose the information on anyone you have ever hired; or, for any business in the United States of America that collects any personal information on people, if the information should be lost due to not destroying the information properly, then two things can happen. First, there are federal fines of up to $2,500.00, and state fines up to $1,000, per employee, per incident. Second, the business is liable for any damages the individual suffers as the result of a breach of information.

Take an example that the company loses information due to negligent destruction (i.e. you don’t own a shredder and throw the information into the dumpster). Nothing in FACTA really determines what the employee has to do to prove “negligent destruction” on the part of the employer, so an employee could simply state that the employer had lost the information, and even if the employer had burned the information into ashes, it would be up to the employer to show that the information had not gotten out due to his or her company’s negligence.

Business Week says that the average damages for Identity Theft victims are $92,000.00 and up per person. Using this statistic, if you have 10 employees lose their identities, then on average, your liability is $920,000.00. Statistically, you are responsible for an average of 75 bad checks and 8 credit cards per employee. The average Identity Theft victim also spends 600 hours getting their credit restored, which means that you will have 600 hours per employee, so potentially 6,000 hours for 10 employees, which you will be responsible for paying employees who aren’t even at work, because they have taken time off to deal with the Identity Theft.

According to John Gardner, co-author of Chicken Soup for the Entrepreneurial Soul, “The damages are devastating to any business.”

There are many problems related to people’s identities that don’t deal with credit issues. Contrary to popular belief, only 26% of identity theft issues relate to credit issues. The other 74% of the issues, according to Gardner, are related to the following four areas:

Someone stealing your DMV record. Example: An identity thief wants to drive under your employee’s name instead of theirs. This will help the Identity Thief to not get caught in cases of DUI, unpaid speeding tickets, etc. Your employee is then blamed for their driving record.

Someone stealing your MIB record. This is your Medical Information Bureau Record. Example: An Identity Thief wants to have an AIDS test done in your employee’s name, rather than theirs, or have their prescriptions filled using your employee’s Medicaid or Medicare benefits

Someone stealing your character identity to commit a crime in your name. Imagine this - your future employee comes to your child care facility, and everything sounds good about this candidate. However, you run a criminal background check, and find out that they have three arrests for child pornography and one for drug trafficking to minors. You bring the record to their attention, and they insist it’s not them.

Your employment record. Example: An Identity Thief wants to earn income using your employee’s social security number, but let your employee pay taxes on the money they earn.

As a result of this, Gardner says that “Businesses need to offer 24 hour per day, 7 day per week access to attorneys.I think that the danger is so large to any business, that they may want to [pay for] some of the cost of this, to encourage the employees to get the benefitIf a business does not understand that they need the help, they are living in a dream world.”

Employers should also offer some sort of Identity Theft protection, and ongoing background monitoring. This can be offered as a voluntary benefit which has no real cost to the employer, as a fringe benefit paid by the employer, or can be a combination of both. When an identity thief uses your employee’s information, (for example an identity thief takes the employee’s current address, and uses it as their previous address when they apply for a mortgage,) ongoing background monitoring will notify your employee when the identity theft happens.

Most people don’t find out that they have become victims until that Identity Thief, who has used your employee’s credit to finance their mortgage, stops paying bills, is picked up for a crime, or doesn’t pay taxes. Ongoing monitoring provides an early warning system, so that your employee will be able to call an expert who can correct the problem when it takes place. This will save your employee’s time, and limit the losses your employee will incur as a result of the breach of their information. This will also save you the costs associated with the frustration and lack of ability to pay attention as work.

Even if your employees don’t elect to have the benefits of legal services and identity theft protection, having a mandatory meeting where employees hear that you have made this coverage available to them will provide an affirmative defense, should an employee ever accuse you, as the employer, of having lost their personal information.

Under FACTA, access to an attorney and credit restoration, are benefits that employers need to offer. Ongoing background monitoring will mitigate damages that the employee can experience because the early warning system will be in place to handle the issues. Access to an attorney and credit restoration will drastically reduce the time the employee spends away from work dealing with the issues surrounding identity theft and other personal legal problems.

Failure on the part of an employer to offer this benefit leaves a company exposed to thousands (and even millions) of dollars in potential damages, and leaves employees subject to the time, frustration, and headaches associated with being a victim of Identity Theft.

Jonathan Kraft is a benefits consultant who specializes in educating people about how they can get affordable access to the legal system. Because of his work in the field of electronic Identity Theft, he has come to be known as Colorado’s Foremost Expert on Computer Related Identity Theft. To schedule a time for Mr. Kraft’s company to present Identity Theft and Legal Service protection to your employees, please contact him at (877) 825-7119. You can also find out more on the web at http://www.strive4impact.com/group

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Write Right When You Write

Friday, June 20th, 2008

Does it turn you off when you’re introduced to someone by your given name and few seconds later that person addresses you by the wrong name? Tom rather than Tim? Or June instead of Jane? And then, in an obvious attempt to commit your name to memory - the wrong name, that is - that person repeats the error several times more?

While most of us are too polite - or too timid - to correct that person, their continuing the error can make you want to shake him or her by the shoulders and say, “Hey, can’t you get it right?”

Being on the receiving end of an error-riddled written document, no matter what kind or from whom, can have the same effect: “Hey, can’t you get it right?”

There’s no excuse for sloppy grammar, punctuation or spelling. Reasons, perhaps. But not excuses. Nothing can or does excuse such errors.

The one reason I’ve run into most often seems to originate with members of the under-40 crowd. When it comes to the rules of proper grammar, punctuation and spelling, I believe if they were taught at all, those rules were seldom reinforced.

Forgive me if it seems like I’m picking under-40 generation - that’s not my intent - particularly since it’s not their fault. But let me share with you one of countless true stories I’ve heard supporting that belief.

Some 20 years ago, when a sophomore in high school, a young man came home one day, proud as a peacock, with a science paper on which, at the top of the page, in red ink, his teacher had written and circled a big “A.” Under that circled “A” the teacher had written “Great Work!”

He and his parents, both friends of mine, knew that an “A” in science was no easy accomplishment. Certainly not from this particular teacher who had a reputation for being demanding. Science, after all, is a rather precise field of study.

The young man’s dad, also a writer, proudly began reading his son’s “A” paper. Then he did something instinctively, something he should not have done. He began mentally ticking off the spelling, grammar and punctuation errors in his son’s paper. As he finished the first page, he looked up at his son and asked, “How can this be an ‘A’ paper with nine errors just on one page.?”

The son, as you might expect, answered his dad defensively, “Because that stuff doesn’t make any difference.”

Puzzled, the father asked “And why not?” to which his son responded, “Because my science teacher doesn’t care about spelling or any of that other stuff. That,” he said pointing at the paper in his dad’s hand, “is a science paper, and I got all the science part right.”

Regardless of whether you’re under or over 40, life in the real world isn’t as forgiving. Everything you write in the real world is a reflection of who you are, what you know, and what your values are, of what you’re capable of doing and being. That’s particularly true in the real world of business.

While sloppy grammar, spelling and punctuation may be overlooked by a friend reading a casual letter or email you’ve written, that’s not going to happen with your business letters. Such errors there have at times been known to be “fatal” because they’ve changed the original intent of the document.

Errors are particularly significant in the emails you write because emails can take on a life of their own. They’re often forwarded to people you may not have met - in fact, may never meet - people who, based on your poorly written email, form a lasting opinion about you, perhaps even decide your future.

The bottom line is that regardless of which side of 40 you happen to be on, if you’re gonna write, whatever you write, write right. Or should I say “write correctly?”

© 2006, Philip A. Grisolia, CBC

Phil Grisolia is an accredited Certified Business Communicator (CBC), an author, educator, business coach, and an award-winning copywriter. To learn more about Phil, and for a free subscription to his free newsletter - Making Sense of Marketing (TM) - visit his website: PhilGrisolia.com

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