Flu Prevention and the Gym Member

Health officials’ warning this month of a potentially harsh flu season should be a red flag to avid aerobic-bunnies and gym-jocks alike. The Centers for Disease Control (CDC) warn that the flu is transmitted when flu virus in the air is inhaled after an infected person coughs, sneezes, or speaks. Transmission also occurs when a person touches a surface that has flu virus on it and then touches his or her nose or mouth. Those familiar with the typical health club milieu, then, can easily liken a workout in the gym to sitting in a veritable Petry dish…

Heavy-breathing members on closely-placed cardiovascular machines and in crowded group fitness classes, hundreds of kinds of shared equipment from dumbbells and weight plates to public restrooms and the corner water fountain provide countless opportunities for contact with the flu virus. So, short of ditching our fitness goals until mid-Spring, it would do us well to learn more about the flu, it’s prevention, and what we can do about it.

What is the flu?

The flu, or influenza, is a contagious disease caused by the influenza virus. It attacks the respiratory tract in humans (nose, throat, and lungs). The flu is different from a cold; it usually comes on suddenly and may include these symptoms:

  • Fever
  • Headache
  • Tiredness (can be extreme)
  • Dry cough
  • Sore Throat
  • Nasal congestion
  • Body aches

About 10% to 20% of U.S. residents will get the flu each year. Among these persons infected, an average of 36,000 will die, and 114,000 will be hospitalized. Although the CDC claims it is not possible to accurately predict the severity of the flu season, this year’s early incidence of Type A flu strain is historically associated with a more severe flu season, including higher numbers of related hospitalizations and deaths. To make the outlook more grim, an epidemiological assessment by the Centers for Disease Control (CDC) already reports “widespread” influenza activity in over 10 U.S. states.

Who is at risk?

Although anyone can get the flu, including individuals who are healthy, there are various groups who are at higher risk for complications. These high risk groups include:

  • persons aged > 50 years;
  • residents of nursing homes and other long-term care facilities that house persons of any age who have long-term illnesses;
  • adults and children > 6 months of age who have chronic heart or lung conditions, including asthma;
  • adults and children > 6 months of age who need regular medical care or had to be in a hospital because of metabolic diseases (like diabetes), chronic kidney disease, or weakened immune system (including immune system problems caused by medicine or by infection with human immunodeficiency virus [HIV/AIDS]);
  • children and teenagers (aged 6 months to 18 years) who are on long-term aspirin therapy and therefore could develop Reye Syndrome after the flu; and
  • women who will be more than 3 months pregnant during the flu season.

How to Prevent Getting the Flu

Health officials are encouraging people, particularly those in high-risk groups to obtain a flu shot. The CDC states that an annual flu shot is the best way to reduce the chances that you will get the flu.

The best time to get a flu shot is from October through November, although you can still benefit from getting the vaccine after November, even if the flu is present in your community. Be aware that it takes about two weeks after the vaccination for antibodies to develop in the body to provide protection.

Obtaining the vaccine does not guarantee a flu-free season, however. Influenza viruses are constantly changing, and vaccine effectiveness depends on the match between vaccine strains and circulating viruses and the age and health status of the person getting the shot. Although the strain in this year’s flu vaccine is different from the circulating strain, the CDC states that studies indicate that the vaccine should provide some cross-protection against the circulating A strain.

Some people resist getting the flu shot because of the belief that they will get severe side effects, or even the flu itself, from the vaccine. The viruses in the vaccine are inactivated, so you cannot get the flu from a flu shot. Certain side effects are possible, such as soreness, redness, or swelling where the shot was given, fever (low grade), and aches.

Chances that the shot will cause serious harm, or death, is very small and allergic reactions to the vaccine, though possible, are rare, states the CDC. Most people who get the vaccine have no serious problems with it. However, the following groups should not get a flu shot before talking with their doctor:

  • People with an allergy to hens’ eggs.
  • People who have had a severe reaction to a flu shot in the past.
  • People who have developed Guillian-Barre Syndrome in the 6 weeks following a flu shot.

Since obtaining vaccination doesn’t necessarily guarantee immunity against the flu, it is wise to add common sense to our prevention efforts while we are busy pumping iron at the health club. Old fashioned hand-hygiene can go a long way in helping to prevent flu transmission. Although you don’t want to spend your entire workout running to the restroom to wash your hands after every set, it’s certainly advisable to make sure your hands are clean before and after the workout. Refrain from touching your nose and mouth during the workout to avoid obtaining the virus. Use of hand-antiseptics which include alcohol can also help to prevent transmission of the flu virus.

What to do if you get the flu

So what if you obtain a flu shot, practice stellar hand-hygiene and manage to contract the flu anyway? Since it is impossible to tell if you have the flu based on symptoms alone, visit your doctor. Tests can be performed in the first few days of the illness to determine the diagnosis. Since influenza is caused by a virus, antibiotics won’t work to cure it. You need to rest, drink plenty of fluids, avoid using alcohol and tobacco, and possibly take medication to relieve symptoms.

The CDC warns never to give aspirin to children or teenagers who have flu-like symptoms, particularly fever, without speaking to your doctor. Doing so can cause a rare but serious illness called Reye syndrome.

By all accounts, we may be in store for a particularly harsh flu season this year. Take precaution to reduce the likelihood of getting the flu, particularly if you are an avid gym-goer. Preventative measures may not only help to avoid the flu, but also interrupting hard earned progress on your fitness goals.

For more information about the flu, it’s transmission, prevention and treatment, check out the CDC website at http://www.cdc.gov/ncidod/diseases/flu/

A New Way to Invest in Property

The two most frequently asked questions by investors are:

  1. What investment should I buy?
  2. Is now the right time to buy it?

Most people want to know how to spot the right investment at the right time, because they believe that is the key to successful investing. Let me tell you that is far from the truth: even if you could get the answers to those questions right, you would only have a 50% chance to make your investment successful. Let me explain.

There are two key influencers that can lead to the success or failure of any investment:

  1. External factors: these are the markets and investment performance in general. For example:
    • The likely performance of that particular investment over time;
    • Whether that market will go up or down, and when it will change from one direction to another.
  2. Internal factors: these are the investor’s own preference, experience and capacity. For example:
    • Which investment you have more affinity with and have a track record of making good money in;
    • What capacity you have to hold on to an investment during bad times;
    • What tax advantages do you have which can help manage cash flow;
    • What level of risk you can tolerate without tending to make panic decisions.

When we are looking at any particular investment, we can’t simply look at the charts or research reports to decide what to invest and when to invest, we need to look at ourselves and find out what works for us as an individual.

Let’s look at a few examples to demonstrate my viewpoint here. These can show you why investment theories often don’t work in real life because they are an analysis of the external factors, and investors can usually make or break these theories themselves due to their individual differences (i.e. internal factors).

Example 1: Pick the best investment at the time.

Most investment advisors I have seen make an assumption that if the investment performs well, then any investor can definitely make good money out of it. In other words, the external factors alone determine the return.

I beg to differ. Consider these for example:

  • Have you ever heard of an instance where two property investors bought identical properties side by side in the same street at the same time? One makes good money in rent with a good tenant and sells it at a good profit later; the other has much lower rent with a bad tenant and sells it at a loss later. They can be both using the same property management agent, the same selling agent, the same bank for finance, and getting the same advice from the same investment advisor.
  • You may have also seen share investors who bought the same shares at the same time, one is forced to sell theirs at a loss due to personal circumstances and the other sells them for a profit at a better time.
  • I have even seen the same builder building 5 identical houses side by side for 5 investors. One took 6 months longer to build than the other 4, and he ended up having to sell it at the wrong time due to personal cash flow pressures whereas others are doing much better financially.

What is the sole difference in the above cases? The investors themselves (i.e. the internal factors).

Over the years I have reviewed the financial positions of a few thousand investors personally. When people ask me what investment they should get into at any particular moment, they expect me to compare shares, properties, and other asset classes to advise them how to allocate their money.

My answer to them is to always ask them to go back over their track record first. I would ask them to list down all the investments they have ever made: cash, shares, options, futures, properties, property development, property renovation, etc. and ask them to tell me which one made them the most money and which one didn’t. Then I suggest to them to stick to the winners and cut the losers. In other words, I tell them to invest more in what has made them good money in the past and stop investing in what has not made them any money in the past (assuming their money will get a 5% return per year sitting in the bank, they need to at least beat that when doing the comparison).

If you take time to do that exercise for yourself, you will very quickly discover your favourite investment to invest in, so that you can concentrate your resources on getting the best return rather than allocating any of them to the losers.

You may ask for my rationale in choosing investments this way rather than looking at the theories of diversification or portfolio management, like most others do. I simply believe the law of nature governs many things beyond our scientific understanding; and it is not smart to go against the law of nature.

For example, have you ever noticed that sardines swim together in the ocean? And similarly so do the sharks. In a natural forest, similar trees grow together too. This is the idea that similar things attract each other as they have affinity with each other.

You can look around at the people you know. The people you like to spend more time with are probably people who are in some ways similar to you.

It seems that there is a law of affinity at work that says that similar things beget similar things; whether they are animals, trees, rocks or humans. Why do you think there would be any difference between an investor and their investments?

So in my opinion, the question is not necessarily about which investment works. Rather it is about which investment works for you.

If you have affinity with properties, properties are likely to be attracted to you. If you have affinity with shares, shares are likely to be attracted to you. If you have affinity with good cash flow, good cash flow is likely to be attracted to you. If you have affinity with good capital gain, good capital growth is likely to be attracted to you (but not necessary good cash flow ).

You can improve your affinity with anything to a degree by spending more time and effort on it, but there are things that you naturally have affinity with. These are the things you should go with as they are effortless for you. Can you imagine the effort required for a shark to work on himself to become sardine-like or vice versa?

One of the reasons why our company has spent a lot of time lately to work on our client’s cash flow management, is because if our clients have low affinity with their own family cash flow, they are unlikely to have good cash flow with their investment properties. Remember, it is a natural law that similar things beget similar things. Investors who have poor cash flow management at home, usually end up with investments (or businesses) with poor cash flow.

Have you ever wondered why the world’s greatest investors, such as Warren Buffet, tend only to invest in a few very concentrated areas they have great affinity with? While he has more money than most of us and could afford to diversify into many different things, he sticks to only the few things that he has successfully made his money from in the past and cut off the ones which didn’t (such as the airline business).

What if you haven’t done any investing and you have no track record to go by? In this case I would suggest you first look at your parents’ track record in investing. The chances are you are somehow similar to your parents (even when you don’t like to admit it ). If you think your parents never invested in anything successfully, then look at whether they have done well with their family home. Alternatively you will need to do your own testing to find out what works for you.

Obviously there will be exceptions to this rule. Ultimately your results will be the only judge for what investment works for you.

Example 2: Picking the bottom of the market to invest.

When the news in any market is not positive, many investors automatically go into a “waiting mode”. What are they waiting for? The market to bottom out! This is because they believe investing is about buying low and selling high – pretty simple right? But why do most people fail to do even that?

Here are a few reasons:

  • When investors have the money to invest safely in a market, that market may not be at its bottom yet, so they choose to wait. By the time the market hits the bottom; their money has already been taken up by other things, as money rarely sits still. If it is not going to some sort of investment, it will tend to go to expenses or other silly things such as get-rich-quick scheme, repairs and other “life dramas”.
  • Investors who are used to waiting for when the market is not very positive before they act are usually driven either by a fear of losing money or the greed of gaining more. Let’s look at the impact of each of them:
  • If their behaviour was due to the fear of losing money, they are less likely to get into the market when it hits rock bottom as you can imagine how bad the news would be then. If they couldn’t act when the news was less negative, how do you expect them to have the courage to act when it is really negative? So usually they miss out on the bottom anyway.
  • If their behaviour was driven by the greed of hoping to make more money on the way up when it reaches the bottom, they are more likely to find other “get-rich-quick schemes” to put their money in before the market hits the bottom, by the time the market hits the bottom, their money won’t be around to invest. Hence you would notice that the get-rich-quick schemes are usually heavily promoted during a time of negative market sentiment as they can easily capture money from this type of investor.
  • Very often, something negative begets something else negative. People who are fearful to get into the market when their capacity allows them to do so, will spend most of their time looking at all the bad news to confirm their decision. Not only they will miss the bottom, but they are likely to also miss the opportunities on the way up as well, because they see any market upward movement as a preparation for a further and bigger dive the next day.

Hence it is my observation that most people who are too fearful or too greedy to get into the market during a slow market have rarely been able to benefit financially from waiting. They usually end up getting into the market after it has had its bull run for far too long when there is very little negative news left. But that is actually often the time when things are over-valued, so they get into the market then, and get slaughtered on the way down.

So my advice to our clients is to first start from your internal factors, check your own track records and financial viability to invest. Decide whether you are in a position to invest safely, regardless of the external factors (i.e. the market):

  • If the answer is yes, then go to the market and find the best value you can find at that time;
  • If the answer is no, then wait.

Unfortunately, most investors do it the other way around. They tend to let the market (an external factor) decide what they should do, regardless of their own situation, and they end up wasting time and resources within their capacity.

I hope, from the above 2 examples, that you can see that investing is not necessarily about picking the right investment and the right market timing, but it is more about picking the investment that works for you and sticking to your own investment timetable, within your own capacity.

A new way to invest in properties

During a consultation last month with a client who has been with us for 6 years, I suddenly realised they didn’t know anything about our Property Advisory Service which has been around since April 2010. I thought I’d better fix this oversight and explain what it is and why it is unique and unprecedented in Australia.

But before I do, I would like to give you some data you simply don’t get from investment books and seminars, so you can see where I am coming from.

Over the last 10 years of running a mortgage business for property investors:

  • We have executed more than 7,000 individual investment mortgages with around 60 different lenders;
  • Myself and our mortgage team have reviewed the financial positions of approximately 6,000 individual property investors and developers;
  • I have enjoyed privileged access to vital data including the original purchase price, value of property improvements and the current valuation of close to 30,000 individual investment properties all around Australia from our considerable client base.

When you have such a large sample size to do your research on and make observations, you are bound to discover something unknown to most people.

I have discovered many things that may surprise you as much as they surprised me, some of which are against conventional wisdom:

Paying more tax can be financially good for you.

This one took me years to swallow, but I can’t deny the facts. The clients who have managed to get into a positive cashflow position have paid a lot of tax and will continue to pay a lot of tax, whether it is capital gains, income tax or stamp duty. They don’t have an issue with the tax man making some money as long as they continue to make more themselves! They regularly cash in the profits from their properties and reduce their debt, but always continue to invest and park their money where the return is best. In fact, I can almost say that the only people who enjoy positive cashflow from their investment properties are the people who have little concern about paying taxes as they treat them as the cost of doing business.

Just about every property strategy works. It just depends on who does it, how it is done, when it is done and where it is done.

When I first started investing, I went and read many property investment books and attended many investment educational seminars. Just about every one of them was convincing and this confused the hell out of me. Just when I was about to form an opinion against a particular property strategy, someone would show up in one of my client consultations and prove that it worked for them!

After testing many of these strategies myself, I came to realise that it is not about the strategy,(which is only a tool) but rather it is about whether the person is using the tool appropriately at the right time, in the right place and in the right way.

There is no such thing as the best suburb to invest in, forever.

If you randomly pick a particular property in what you think is the best suburb over a 30 year window, you will find that there are periods during which this property will outperform the market average, and there are periods when this property will underperform the market average.

Many property investors find themselves jumping into historically high growth suburbs at the end of the period when it is outperforming the average, and then stay there for 5-7 years during the underperforming period. (Naturally this can taint their view of property investing as a whole!)

There is no such thing as the worst suburb to invest in, forever.

If you pick a property in the worst suburb you can think of from 40 years ago, and pitch that against the best suburb you can think of over the same period of time, you will find they both grew at about 7-9% a year on average over the long-term.

Hence in the 1960s, a median house in Melbourne and Sydney was valued at $10k. The worst property around that time may have been 30% of the median price for then, which was say about $3k. Today, the median house price in these cities is about $600k. The worst suburb you can find is still around 30% of that price which is say $200k a house. If you believe a bad suburb will never grow, then show me where you can find a house today in these cities, that is still worth around $3k.

Median Price growth is very misleading.

Many beginner property investors look at median price growth as the guidance for suburb selection. A few points worth mentioning on median price are:

We understand the way median price is calculated as the middle price point based on the number of sales during a period. We can talk about the median price for a particular suburb on a particular day, week, month, year, or even longer. So an influx of new stocks or low sales volume can severely distort the median price.

In an older suburb, median price growth tends to be higher than it really is. This is because it does not reflect the large sum of money people put into renovating their properties nor does it reflect the subdivision of large blocks of land into multiple dwellings which can be a substantial percentage of the entire suburb.

In a newer suburb, median price growth tend to be lower than it really is. This is because it does not reflect the fact that the land and buildings are both getting smaller. For example, you could buy a block of land of 650 square metres for $120k in 2006 in a newer suburb of Melbourne, but 5 years later, half the size block (i.e.325 square metres) will cost you $260k. That’s a whopping 34% annual growth rate per year for 5 years, but median price growth will never reflect that, as median prices today are calculated on much smaller properties.

Median price growth takes away people’s focus from looking at the cost of carrying the property. When you have a net 2-3% rental yield against interest rates of 7-8%, you are out-of-pocket by 5% a year. This is not including the money you have to put in to fix and maintain your property from time to time.

Buying and holding the same property forever doesn’t give you the best returns on your money.

The longer you hold a property, the more likely you will achieve an average growth of 7-9%. But you will be bound to hit periods where your property outperforms the 7-9% growth and periods where it under performs the 7-9% growth.

The longer you hold a property, if its growth is at or above average, the lower its rental yields will become.

The longer you hold a property, the higher the capital gains tax you will need to pay when you sell, and the less likely you will be able to sell it.

The longer you hold a property, the more likely there will be a need for an expensive upgrade of the property.

The longer you hold a property, the more likely you will forget which part of the equity actually belongs to the tax man, AND the more likely you will be to try to leverage the equity that doesn’t belong to you. This can get you into a negative equity position with a negative cashflow forever, unless you have proper financial guidance.

Beauty is Everywhere

As I look out into the world, I see so much to be grateful for. Surrounded by beauty, I am left in no doubt that we live in a spirit filled world that is becoming more authentic in the beauty that it is able to appreciate. For so long we have come to define beauty on a superficial level, but as we grow, so will our ability to appreciate beauty grow within us.

With this, understand that only can we recognize and appreciate what is truly beautiful when we have unified with the essence of our own beauty within ourselves. So many struggle to find the beauty in the world when they look outside. Fearful of what they will encounter, they see a world filled with anger, hostility and ugliness, and because this is what they see, this is what becomes real for them, and they continue to live as their self fulfilling prophecy would have it be.

Neglecting their own beauty, they have swallowed a nightmare pill which alters dramatically the world in which they see. Turning away from the spirit, they have chosen to embrace the ego, which sees things always in a distorted light. With power and strength to gain for itself, the ego is devoted not to searching for beauty, but to finding that which can build it up in the eyes of the world. Concerned with the physical world and pleasing those within it, it is not at all interested in the wisdom of the spirit.

Not wanting to be the protagonist in its own demise, the ego has a vested interest in keeping the true source of beauty from your eyes. Not wanting you to experience the awe that beauty inspires, it seeks to keep you in a state of boredom where you ask no questions of life. Asking no questions, you cease to interact with life, and you deprive yourself of the answers that God wants to give to you. This is what it means to be reactive to life, and to suffer in the process.

Called to be proactive, we do not grow in our experience of life, if we have closed ourselves off to what it seeks to teach us. Wanting to show us the beauty in the world and in ourselves, it is a willing teacher, but a teacher has no role to occupy without a student in attendance. This is why we must be open-minded in beauty’s presence. With much to give, there is much to learn about the beauty of God which manifests itself in all things.

It is said that beauty is in the eye of the beholder. What this means to me is that each of us has the capacity to find beauty in different things. What some label beautiful, others might label ugly, and vice versa. But does it really matter what verdict is passed on whether something is pleasing to the eye or not? What matters absolutely is the seed of beauty to be found in all things that God has created. With the beauty of the creator pervading each of his creations, that beauty is definitely there to see. The question then becomes what is the quality of the vision of the observer?

Many are capable of seeing the beauty in all that surrounds them, but even more are not. Selective in what they ascribe the label ‘beautiful’ to, these people have chosen to honour the mind above the heart, which is all to discriminating. Seeing more than the mind is capable of seeing, the heart knows that it is futile to judge, because it realizes that judgment passed on that which appears in a diminished light is falsely condemned. Seeing only a portion of the whole, much is misunderstood; and embracing only a part, much is rejected as irrelevant. See in this, the dangerous game that we play when we choose to have the ego’s eyes be the filter with which we view the world.

Seeing only fragments of beauty that it has contaminated through its own judgment, much is discarded, and even less honoured, for God cannot be seen by that which despises his presence. Wanting you not to see him, the ego will lead you to label as ugly, much that is beautiful in appearance and substance.

Intense in its loathing, the ego is not always rational in its judgment, and even in its certainty, it misses much to be appreciated. See in this how the ego’s arrogance often leads it to abandon that which could otherwise serve it. Cursed in its blindness, it makes not for wise counsel to the one who searches for a deeper experience of life.

Wanting to experience love, one must consult the heart, being the centre of beauty inside the self. Being not separate from God, it is the gift that God has given us to enjoy the world. Blessed with much, we can find much joy when we look upon the world with spiritual eyes. Hindered not by that which are the ego’s shortcomings, we can see the love behind the barriers, and the distinctions which make the miraculous commonplace.

Blessed in spirit, we must not take for granted that which is capable of teaching us who we truly are. Endowed with wisdom, all of God’s creations are capable teachers, and assuming not a separate identity from him, they are models to be emulated. With this, learn that beauty is distorted as the separation is affected. So as you travel far from him, so will your ability to experience beauty diminish in strength.

Concerned primarily with attaching labels in the moment, what eludes you is the beauty inherent in entering the moment. To enter the moment, is to join with God in your heart, and see what he sees in the physical world. With all that he created being good, you are then able to see the love that pervades everything in the light of the spirit. Appreciating everything just as it is, you understand that it is enough and that the ego does not have to be invited to enhance what is complete in itself.

Complete, the gifts of God are holy in what they hold and what they deliver. Endowed with beauty, they bring to the lost man, much that is invaluable. Longing for God, those who are lost, suffer in their desperation. Convinced of their own ugliness, the memories of their eternal beauty slip into the past. But the past is not lost forever, for every illusion stands to be corrected, and as a partner with eternity, it will not fail to reveal itself in a touch that the moment has in store, for the child who sees clearly now, not yearning for more.

One of the most memorable times that I recall beauty touching me deeply was in Florence when I went to see Michelangelo’s David. I had heard from many people how wonderful this classical piece of sculpture was, but hearing a second hand account doesn’t really prepare you for the effect that it has on the soul, when you see it in person. To say that I was taken aback by its beauty would be an understatement. I was left absolutely speechless! To think that one man saw this masterpiece in that block of marble and saw it as his purpose to bring it to life for all to enjoy is awe inspiring to me.

But as I was standing there, just gazing up at the masterwork, I knew not the distraction of thought that attempted to persuade my mind to intellectualize how the work was brought to life. This allowed me to centre myself and let the profound beauty that emanated from the shiny white surface, move my spirit powerfully in the moment. And as I just allowed the moment to touch me, I felt for a moment just how Michelangelo must have felt with the chisel in his hand and the spirit in his heart, for as I am not alone with my pen, he was not alone with his tools, for with every incision had God’s hand revealed itself so gently and lovingly.

All in all, I spent about an hour in the company of David, listening only to the silence which was my teacher. And as I meditated on what had greeted my senses, I felt a deep sense of appreciation begin to emerge, and as my eyes began to well up with tears, my constant companion placated my fears that I would miss something, a moment, which taught me who I am, not alone in war, but beautiful and fair.

To know Michelangelo must have been to be in the company of a great lover. Here was a man who made it his life’s purpose to serve the world by making manifest in physical form, the love that he carried inside. How else can you explain it? To look into the eyes of David is to know without a shadow of a doubt that he was conceived in love, and because it was this love that filled Michelangelo’s heart, the conception was inevitable.

With this, understand that love never leaves beauty unexpressed, for that is not love’s way. And in the same way that love will never leave beauty unexpressed, so will it never leave the witnesses to that beauty untouched, for the heart that was inspired to bring the beauty to life, is in no way separate from the heart of the witness who has seen in that beauty a clear image of themself revealed.

See in this, how all embodiments of beauty carry a reflection that is not one dimensional. If you were to observe a rose, you would be moved by the beauty of that rose, but what has moved you is not limited to the petals, stem and thorns which make up that rose. What you receive from that rose is an experience of the beauty of nature which is in no way separate from all that the rose is, because nature is the essence of its being. And as it is with the rose, so it is with you, because nature is the very essence of who you are. As God has breathed life into the rose, so has God breathed life into you, and in it you get a glimpse of not only its glory, but your glory as well, which is a stranger not to the glory of God.

Endowed with all that is beautiful, do not doubt what is yours to give, and as you awake from your slumber, so will your brothers and sisters enjoy a more peaceful rest. Not tormented by their hideous nightmares, a new joy will emerge in the form of a dream that is not isolated in how it comes to bless them. As beauty multiplies, so does its visions, in the mind that has unified itself with the heart.

Filled with this love, joy replaces sorrow and gratitude replaces judgment, for as the Lord has spoken, you need not open your mouth to speak. Speaking in glorious tongues, you are left in no doubt that what he has to say is real. Beautiful in its composition, it is undeniably powerful in its resonance. Teaching your heart, the mind finds rest, subsumed by the grace that has cradled it, and when it awakes, immense beauty awaits it, in both its relationship to the physical and the infinite which know no divide. Being what beauty has conquered, love has done its work, through the eye of the spirit that cannot be blinded to the world’s worth.

Auto Mechanics Curriculum – Preparing for the Job of the Future

While taking driver’s education class in high school, for part of the curriculum, a man insisted his daughter take a basic auto mechanics class. They fought for weeks about this class. It was unnecessary. It was ridiculous. After all, she was a girl. After much verbal sparring, she took the class and enjoyed it, using her knowledge many times.

Years later, it became clear why the man wanted his daughter to take this class. Someday, her car would break down. The auto club would not always be able to come to her aid. Roadside assistance is not always available. Especially when the breakdown occurs in the middle of the desert. A person could wait hours for help. That could be dangerous. It was important to know how to fix the basics on her own.

When she became a parent, and her teenage daughter was ready to learn to drive, it was their turn to fight about taking the class. The mother insisted and her daughter relented. As it turns out, after much arguing, the student really enjoyed it. Since she did not have a “head” for business, or fashion, or mathematics, or English, or any other subject for that matter, it seems the one thing she excelled at was fixing cars.

After taking all of the basic classes the school had to offer, the student’s instructor suggested a transfer to the local high school that offered full vocational technical programs. The transfer took place, and for the next two years she took a number of classes like basic tune-ups and trouble-shooting, tire rotation and balancing, transmission repair, engine repair, fluid transfers for oil changes and transmission fluid, and air conditioning, among others. Upon graduation from high school, the student became a licensed auto mechanic.

For this young lady, that was not enough. She wanted to specialize in foreign cars. That required a whole new set of classes. Thus began her enrollment in the local college vo-tech. Another two years and she earned her A.S. Degree in Auto Mechanics. She was able to fix anything on wheels. However, as with any industry, evolution takes place. The new hybrid vehicles are already on the market, and the electric car is just around the corner. She continues with her education to maintain the high level of expertise necessary for the cars of the future.

Auto mechanic classes can help a student with their future. To become a mechanic, one must learn problem-solving skills. Mechanics is a process. So is life. One cannot put gas in a car that has no engine. Such is the same with life. One step at a time.

For students that struggle in school, vo-tech classes and auto mechanic classes have historically been extremely challenging. Their opportunities for success were once unlike the mother and daughter that both took auto mechanics classes and flourished.

How to Cure Ringworm?

Ringworm is a very contagious skin fungal infection. It can affect all individuals and even animals. During the infection stage of the ringworm, they produce fungal spores that can be transmitted to others. When you become exposed to fungal spores, you are at high risk to develop ringworm. But ringworms are treatable, and ringworm cures are very helpful to remove and kill fungal spores.

It is very essential to kill the fungi, and prevent the spread of ringworms to your body and to other people or animals. Here are some tips that will help you:

– Perform environmental disinfection regularly. It is important to maintain a clean environment because fungal spores can be present anywhere, especially to places where the infected person has been exposed to. Bleach is common in every household, and is very effective in disinfecting the environment. You just need to make a 1:10 bleach and water solution, and use it in decontamination of floors and surfaces. This will effectively kill the fungal spores, and prevent its transmission.

– Use a vacuum with HEPA filters. High Efficiency Particulate Absorbing or Arrestance (HEPA) filter removes at least 99.97% of airborne particles such as dust and fungi. It is very useful in cleaning carpets and upholstered furniture to remove fungal spores.

– Isolate infected pets. It is very important to separate your infected pet from other animals. You should not touch or come in contact with the infected pet because you can contract the fungal spores that cause ringworm. Consult your pet’s veterinarian so that you can determine what type of treatment will help your pet resolve its ringworm.

– Do not share personal articles. Sharing is a good act but if you have ringworms, it is a big no to share your personal items to others. Your things are contaminated with fungal spores. You should keep them and disinfect them using bleach.

– Keep a clean body. Fungi flourish in dirty areas. Proper personal hygiene should be observed to prevent the spread of ringworm on your skin. It is also important to perform regular hand washing after treating your ringworm, and after touching or treating your infected pet because you can obtain fungi spores from it.

– Maintain a sweat-free body and wear comfortable clothing. Fungi thrive in hot and moist areas of your body such as armpits, groins, and areas which have folds especially to obese individuals. You should keep yourself dry and avoid wearing tight clothes.

– Use a natural ringworm remedy. Natural ringworm remedies are found to be effective against ringworm, and they are absolutely safe to use. They are medicinal herbs that use leaves or extracted oil to cure ringworm such as turmeric (Curcuma longa), coconut oil (Cocos nucifera), mustard seeds (Brassica nigra),cassia leaves (Cassia fistula), holy basil leaves (Ocimum sanctum), butea seeds (Butea monosperma), and papaya seeds (Carica papaya). They are applied directly over the ringworm patch. Carrot (Daucus carota) and spinach juice (Spinacea oleracea) are also helpful in treating ringworm because they contain large amount of beta-carotene, which are very good for skin care.

– Apply topical creams. Topical creams are effective for ringworms that have mild symptoms. They are over-the-counter medications that help to relieve ringworm symptoms and kill fungi that cause ringworms. Topical treatment should be used for 2 to 4 weeks to effectively eradicate the fungi. Topical medications include Miconazole (Micatin, Desenex, Daktarin, Monistat-Derm, and Decocort), Clotrimazole (Mycelex and Lotrimin), and Terbinafine (Lamisil AT, Lamisil, and Lamisil Dermgel).

– Administer anti-fungal pills. Anti-fungal pills are systemic treatment for severe cases of ringworm. It is recommended to consult your physician so that you will be advised on the proper dosage and length of treatment using oral anti-fungal medications. Anti-fungal pills include Griseofulvin (Gris-PEG, Grifulvin V, Fulvicin P/G, and Griseofulicin), Itraconazole (Sporanox and Sporanox PulsePak), Terbinafine (Lamisil), and Fluconazole (Diflucan).

SWOT Analysis of the New Honda Fuel Cell Vehicle

Honda is changing the vehicle market as we know it, by making a vehicle that emits water vapor. Honda’s FCX Clarity fuel cell car is the new breed for green cars. This car has some similarities to hybrid, but nothing compares to its new fuel source hydrogen. Besides hydrogen it runs with an electric motor that generates electricity to the fuel stack and a lithium ion battery. The lithium ion battery serves as a supplemental power source. The lithium ion battery charges up while braking and decelerating. Some questions might arise when thinking about this new fuel cell vehicle, like what makes this car better than the other hybrid cars? What are the Honda FCX Clarity strengths, weaknesses, opportunities and threats?

One of the biggest strengths about this new fuel cell vehicle is that it emits water vapor and is designated as a Zero emission vehicle (ZEV). The environmental protection agency (EPA) has given this vehicle the lowest possible emission rating. It also can be driven up to 280 miles before being refueled with hydrogen. FCX Clarity is achieves an energy efficiency of 55% which is twice the energy efficiency of the hybrid vehicles and three times the efficiency of regular gas vehicles. Since FCX Clarity is more energy efficient it has been one of the first fuel cell vehicles to receive certification from the EPA and the California Air Resources Board. Unlike the hybrids the FCX Clarity doesn’t need to be plugged in to be charged up and there is no need for regular gas.

Honda has many opportunities with this new fuel cell vehicle. First off Honda is designing a home refueling station. No more worrying about going out and getting refueled at the pump. Home refueling stations will elevate the stress at the pump. Also, Honda could make this fuel cell vehicle a household name and market this vehicle all over the globe. Honda just needs to get out there to show off their new vehicle. Honda is starting to market the new fuel cell a little bit. Honda has just released the FCX Clarity for Japan.

One of the few weaknesses for this fuel cell vehicle is its limited availability in the United States. Southern California and Japan are the only two areas where this new vehicle is available. Honda plans to release around 200 vehicles in 3 years in California and Japan. Honda believes that this new fuel cell vehicle will be able to be mass produced by 2018. I think this is one Hondas biggest downfall is the limited release and so few refueling stations.

This car is a little small it’s only able to carry four people. The cost of the FCX Clarity is about 600 a month on a 3 year lease. It seems a little steep for someone who is middle class to afford that payment. Not anyone is California will be able to lease this new vehicle. These people who are selected live near the refueling stations and they make a limited amount of commutes.

Basically Toyota and GM vehicles are Hondas biggest threat. With so many new hybrids and small gas efficient cars, this creates a problem for Honda. Another threat is Chevrolet. Chevrolet has developed a fuel cell SUV “the Equinox” and it has already arrived at New York City, Washington D.C. and Southern California. With this being said, it becomes a race between Honda and Chevrolet with the new fuel cell technology. How would the new fuel cell FCX Clarity size up in popularity? The lack of mass production and refueling stations, Honda won’t have a chance.

I think Honda has come up with a good concept car with its new fuel source. The new fuel source needs to be researched further before they should market this vehicle. This car is for people who are willing to go green and have the money to do it. The whole problem is making this car available to the public and easily accessible.

On the other hand Honda has a comparative advantage because of their home refueling station. There is no other vehicle out there that you can just plug in and refuel at home. Hybrid vehicles rely on battery and gas to run. You have to plug the hybrid in to recharge the battery.

Google Redirect Virus Fix – How to Get Rid of Google Virus

Infecting users via internet exposure and nooks and crannies found in unsecured browsers are the main causes of the redirect virus. So where does one inject the use of Google redirect virus fix? In order to properly employ its use first it is essential to understand what this threat is and what it does. The redirect malware lives up to its name, the infection causes a hijacking of any search or website visit a user plans to make. Instead of finding their site of choice the virus redirects them to fake websites containing ads and even corrupted pages.

The following fake errors are displayed by the vius

  • Internet explorer cannot open web page
  • filename.exe is not a valid win32 application
  • Setup files are corrupted Please obtain new copy of program

Being a browser hijacking utility it manages to infect browsers like IE and Firefox and then redirects internet users to the following malicious sites.

  • clearask.com
  • brittaniasearch.com
  • go.Google.com
  • web-analytics.Google.com

The redirect threat is capable of disabling activated firewalls and security software which can then lead to a remotely accessible system. This allows hackers to have access over personal information such as login names, passwords, financial records etc.

What are the symptoms to consider when one wants to implement a Google redirect virus fix?

· An unknown change of desktop background

· Changes homepage

· Browsers such as IE and Firefox slows down noticeably

· Corruption of registry files thus resulting to the dreaded “Blue Screen of Death”

· Contamination of messengers, freeware and email attachments are also sure signs.

How does Google redirect virus fix work?

1. Select Show Hidden Devices under Hardware Device Manager in your Windows Control Panel.

2. Search for “TDSSserv.sys” right click Disable. Do not select Uninstall otherwise the infection will reappear once the computer is restarted.

3. Reboot the pc.

4. Immediately update antivirus software and the Google redirect virus will cease to exist in your workstation.

It pays to be vigilant and alert when using the internet. Avoid malicious sites and constantly scan your system and update your security tool to avoid contaminations. It is also best not to rely on one antivirus software alone having another reliable application can help sift through the threats that the other was incapable of detecting.

Offshore Investment – The Ideal Way for Saving Your Wealth

What Is Offshore Investment?

Offshore investment refers to a wide variety of investment strategies that take advantage of tax benefits offered outside of an investor’s home country.

There is no scarcity of money-marketplace, bond and equity assets offered by trustworthy offshore investment companies that are fiscally sound, time-tested and, most importantly, legal.

What Is Offshore?

Offshore explains the repositioning by an entity of a trade process from one countryside to another, typically an operational process, such as manufacturing, or supporting processes. Even state governments make use of offshore investment. More recently, off shoring has been associated primarily with the sourcing of technical and administrative services supporting domestic and global operations from outside the home country, by means of internal (captive) or external (outsourcing) delivery models.

“Offshore ” is usually to portray a country where there are also no taxes or low taxes for foreign persons either individual or commercial.

It is a truth that offshore investment havens have crafted a unique legally recognized and tax free climate for overseas individuals and businesses. They offer specifically to them. More than half the world’s assets exist in such asset havens.

Monetary privacy, a steady legal environment and realistic rulings are the trademark of these jurisdictions.

When we converse about offshore investment financial companies, the term invokes up an image of enormous, shadowy monetary monoliths, investing funds without any transparency.

Advantages

There are many reasons why people like investments in offshore:

1. Tax Reduction

Many nations, recognized as tax havens, offer tax inducements to overseas investors through an offshore investment. The positive tax rates in an offshore investment possible country are intended to encourage a vigorous offshore investment atmosphere that magnetizes outside wealth. For tiny countries like Mauritius and Seychelles, with only a few reserves and a small population, offshore depositors dramatically increased their economic activity.

Offshore investment occurs when offshore depositors outline a company in an overseas country. The corporation acts as a shield for the investors’ financial credits, shielding them from the higher tax load that would be acquired in their home nation.

Because the corporation does not engage in local operations, little or no tax is enforced on the offshore investment company. Many overseas companies also benefit from tax-exempt category when they put in in U.S. markets. As such, making ventures through overseas corporations can clutch a distinct benefit over making investments as an individual.

2. Confidentiality

Numerous offshore investment jurisdictions have confidentiality legislation which creates it is an unlawful offense for any worker of the financial services commerce to disclose possession or other information about their clients or their dealings.

But in the examples where unlawful proceedings can be proved, identities are being disclosed. Thus the Know Your Client due diligence documents are becoming just more complex.

Disadvantages

The main drawbacks are those of costs along with ease.

Many investors like to be capable to meet up and speak to the person setting up their incorporation of offshore investment companies and traveling to the tax haven costs funds.

In a number of nations you are taxed on your universal revenue, so not disclosing offshore investment returns is illegal. In other countries having offshore accounts are unlawful for individuals but authorizations can be obtained from companies.

Several banks in offshore jurisdictions need smallest amount in investments of US$ 100,000 and higher, or to possess assets locally.

The kinds of offshore investment companies usually existing are:

  • Trusts
  • Resident Offshore Company
  • International Business Company
  • Protected Cell Company

These types of companies also exist.

E.g.: Many mutual funds and hedge funds whose investors favor ‘ off shore country’ ventures.

But for average financiers like us too can form offshore companies of relatively small size to fulfill our most everyday needs. Or we can put in, via our off shore investment expert, into offshore companies to own investments in special funds.

There are various uses:

  • Trading Companies
  • Professional Services Companies
  • Shipping Companies
  • Investment Companies
  • Intellectual Property & Royalty Companies
  • Property Owning Companies
  • Asset Protection Companies
  • Holding Companies
  • Dot Com Companies
  • Employment Companies

Trading Companies

Import/Export and general trading company’s activities are also compatible with the structure of offshore investment companies. The offshore investment company acquires orders from the supplier and has the goods distributed directly to the customer.

It does the invoicing to the customer and saves the difference in a tax free country. E.g. Products from China to Kenya could be invoiced by a Seychelles or RAK offshore incorporation and the revenues retained there.

Individuals utilize offshore investment companies to acquire mutual funds, shares, property, bonds, jewelry and precious metals. Sometimes they will also apply these companies to trade in currency, equities and or bonds. The wealthy will also have diversified offshore investment companies for different division of possessions; for different countries or by different categories of investments.

The diversification evades the risk. But also in cases where capital increases taxes are levied, e.g. in property or equity, sometimes it is cheaper to sell the company rather than the individual asset itself.

Professional Services Companies

Individuals, e.g. counselors, IT experts, engineers, designers, writers and performers working outside their local country can gain momentously from using an offshore investment business. The offshore investment business demonstrates the individual as a company worker and gets a fee for the services rendered by the ’employee’ [possessor]. This fee is received and saved tax free. The person can then receive the imbursement as he or she hopes to minimize their taxes.

Shipping Companies

The utilization of offshore investment companies to possess or license commercial ships and pleasure craft is very familiar internationally. Shipping companies mount up earnings in tax liberated offshore jurisdictions and, if every ship is placed in a separate offshore investment company, it can get hold of considerable asset security by isolating liabilities of each individual craft.

Investment Companies

Individuals make use of offshore venture companies to then buy mutual funds, shares, bonds, property, jewelry and expensive metals. Sometimes they will also use these companies to operate in currencies, equities and or bonds either via the internet or through managed funds run by banks and financial institutions. The wealthy will also have diversified offshore investment companies for dissimilar class of assets; for different countries or by different varieties of investments.

The diversification evades the threat. But also in cases where assets gain taxes are levied, e.g. in goods or equity, sometimes it is economical to sell the company rather than the individual asset itself.

Intellectual Property & Royalty Companies

Offshore investment companies are being seen as vehicles to own Intellectual Property and royalties received for software, technology rights, music, literature, patents, trademarks and copyrights, franchising, and brands. These companies are in the type of trusts or foundations.

Property Owning Companies

Owning property in an offshore investment company saves you the funds gains taxes that may be levied at the occasion of the property’s deal, which are avoided by selling the business instead of the property. Other significant benefits are the authorized prevention of inheritance and other transfer taxes.

Mainly, in some countries, e.g. Islamic ones, inheritance is via Shariah regulation and not your determination. So an offshore possession will make sure that the assets owned outside the country need not be distributed according to Shariah Law.

Asset Protection Companies

It is estimated that a professional in the US can be expected to be sued every 3 years! And that more than 90% of the worlds lawsuits are filed in the US.

Amazing statistics!

If you have an income or assets of more than US$ 100,000, you should seriously consider offshore investment companies!

Most offshore jurisdictions require that for a lawsuit, a lawyer must be hired and paid up front before a suit can be filed, thus keeping frivolous lawsuits away. Often a substantial bank bond has to be placed by the government, to even implement a lawsuit. It can also (take years of waiting) to get into court in some offshore investment jurisdictions.

If you have substantial liquid assets you should consider a Trust which would own the offshore company. This will provide a greater degree of protection, at the least expense.

However, we should remember that this structure is for asset protection, not for tax savings and so that the focus should be maintained.

Holding Companies

Offshore investment companies can also be used to own and fund operating companies in different countries. They could also be joint venture partners or the ‘promoter’ of publicly quoted companies. Mauritius is well suited as a country for investing companies because of its favorable double tax treaties.

Dot Com Companies

The internet has made the cost of business entry very low and consequently the legal protection of the company’s assets, both physical and intellectual, that much easier. Dot Com companies now use this flexibility to develop different software projects in different offshore investment companies to invite different investors and to keep the flexibility of raising funds separately for different projects depending on the project’s success. Both Mauritius and Seychelles have Protected Cell Company [PCC] structures available for just this kind of need.

Then there is the possibility of receiving your funds earned on the web into an offshore company’s bank account. Would that be of interest to you?

Employment Companies

Multinational companies use offshore investment companies to employ expatriate staff who are deployed in different tax jurisdictions around the world. To facilitate transfers, reduce the employee’s taxes and administer benefits easily an offshore company employment is preferred. Working on assignments throughout the world.

5 Universal Precaution Measures to Prevent HIV Transmission

Universal precautions are safety measures that are followed for the prevention of the spread of HIV (Human Immunodeficiency Virus) and other bloodborne pathogens. All samples of blood and body fluids are to be considered infectious while dealing with them. In fact, it was after the discovery of HIV that universal precautions became known to be extremely important in a healthcare setting.

As an employer, it is a major responsibility to ensure that all your health care workers are adhering to universal precautions. While treating patients of HIV or AIDS (Acquired Immunodeficiency Virus), all employees must have an open mind and focus on leaving all prejudices behind, following universal precautions as usual. There is no room for mistakes for such cases.

Here are five measures to prevent the  transmission  of HIV infections:

• Personal Protective Equipment: Your health care employees must be taught to always use protective clothing when handling HIV/AIDS patients. Protective gear like face masks, gowns, gloves and goggles must be used during occasions where chances of accidental splashing of blood and fluids are high. It is essential to change gloves between patients and procedures to avoid contamination. Make sure all gloves and gowns are in good condition without any holes or tears.

• Equipments and Instruments: Needles and sharp instruments must be used carefully while using them on HIV patients. If any of your health care employees gets an accidental cut or prick, immediate treatment should be started. Gloves are essential as they provide protection. Despite wearing gloves, all sharps must be handled with special care and later disposed in a sharps-container.

• Mouth-to-mouth breathing: Sometimes an HIV patient may have a sudden cardiac arrest and require administration of artificial respiration. Even though there is only a negligible chance of spread of the virus through the saliva, it is still good to be careful. There is a greater chance of  transmission  if the patient has developed a wound in the mouth. Your nurses and doctors must wear gloves and give rescue breaths through respiratory devices in such situations.

• Hygiene: Good hygiene habits must be practiced in your health care facility at all times even while dealing with normal patients. Gloves must be donned before treating a patient and afterwards must be taken off carefully and placed in marked containers. Hand washing with antiseptic soap is a must after handling any patient. In the event of any body fluid touching your skin, a disinfectant must be used.

• Injuries: You must make a rule that any health worker with personal injuries like open wounds or broken skin must avoid dealing with such patients. In case they have to, they must properly cover the injured area to decrease the chances of contracting the infection.

HIV infection results in AIDS, which is a fatal disease. There is no absolute cure for it and therefore great emphasis must be given on strictly following precautionary measures to prevent its spread. Other than the above measures, you must keep your health care employees aware of the latest protective measures used. Following these simple universal precautions can save lives and must not be taken lightly.

Packeteer PacketShaper

Wide-area networking and the Internet are becoming more and more reliable, to support strategic objectives. This has restructured the way businesses work, and even in some cases stay afloat. Today companies are faced with more applications, more users, and more desktop power, but with less visibility, control, and predictability. With unprecedented network demands and without the ability to control how they effect your business. PacketShaper can assist you in controlling and enhancing the performance of your WAN. PacketShaper continues providing visibility and control across your WAN, to enhance the application monitoring and performance for any user, in any location, throughout networks of enterprises spread around. Depending on the speed of the network links it will manage, this device comes in a wide range of levels to suit. The lowest entry level box is for a 128k line with the high-end box being able to monitor and manage a 1 Gigabit link.

The PacketShaper traffic shaping technology enables the administrator to resolve WAN and Internet performance problems that effect networks. By actively preventing network congestion, shaping controls application performance and bandwidth consumption. Administrators can achieve more important tasks in lesser time, with fewer performance-related complaints and a higher Quality of Service (QoS) for all networked users. With PacketShaper, the never-ending cycle of bandwidth upgrades is a thing of the past. PacketShaper optimizes application throughput throughout your current network infrastructure.

PacketShaper is simple to configure and comes with basic step-by-step instructions comprising such things as passwords, IP addresses and connection speeds etc. Initial physical installation is extremely easy, and once the PacketShaper is on the network it can accessed through a web browser and can be configured on of two ways: by a normal http connection or a secure http connection.

Internal attacks from worm infections, unauthorized recreational traffic and rogue servers can severely impact network capacity and bring down critical applications but PacketShaper assists in recognising when PCs are infected or unauthorized traffic is passing through the network, and also protects the performance of crucial applications. PacketShaper alsoprotects the performance of the network during attack-all while providing hard ROI from bandwidth savings, enhanced WAN capabilities and accelerated application performance. An additional effective function of the PacketShaper is its graphing abilities. It is simple to locate older data from the ‘straight out of the box’ system. Clear and simplified graphs are presented in the form of either line graphs or pie charts, though it is possible for this data to be shown as raw data if required, which makes it easy to export it to other programs. Installation of IP Telephony (IPT) and Voice/Video over IP (VoIP) vary from company to company and its employees, effecting every network in a different way. A successful implementation depends on guaranteed bandwidth and QoS, and also fitting more calls onto a restricted WAN resource.

PacketShaper efficiently controls vital IPT protocols, providing WAN capacity and true QoS functionality to guarantee the highest quality end-to-end communication for each call. It makes sense to unite servers from remote sites to centralized data centers, although the additional traffic loads call for precise classification, monitoring and shaping before any advantages can be appreciated. PacketShaper detects and controls common traffic-including CIFS, VoIP, CRM, Web and P2P-while also tracking Microsoft’s underlying CIFS changes in R2. MPLS and IP VPNs are beneficial for relating distributed locations, but advantages cannot be noticed if applications are oversubscribed, traffic stalls in bottlenecks and critical applications are inappropriately designated to best-effort classes. PacketShaper carries on the MPLS promise, weighing up performance, detecting and marking application traffic with special handling requirements so traffic can move freely to the enterprise edge. This system is integrated in a single appliance with multiple software choices that deliver:

  • Control over application performance and network utilization.
  • Visibility into application performance and network utilization.
  • Compression to accelerate performance and increase WAN capacity.
  • Centralized management of performance analysis, reporting, and policy administration for large Packeteer deployments.

The Packeteer PacketShaper is an architected bandwidth management device that is incredibly useful and at the same time simple . It delivers an easy and user friendly interface that can be advantageous to any organisation from low-end, to expert users. With minimal configuration, PacketShaper will become a crucial tool in keeping the network secure and also managing bandwidth.