How Do We Determine Nutritional Need?

Today, we’d like to focus on the amount of nourishment and physical exercise our bodies need and how best to accomplish these objectives. It is very important to study and understand our own bodies’ individual needs, in terms of physical needs, caloric intake, and nutritional health. If you know where to look, you will find libraries, doctors, and fitness centers are stocked with nutritional information and guidance for healthy living choices for people of all ages.A healthy body requires nutrition to nurture our bodies and keep them fit and in working order. Every day, the vitamins and minerals we consume in our foods provides us with nutrition we need to thrive.How can we ascertain our individual nutritional needs? Simply by getting more information about our own individual needs and the needs of our loved ones, we can start to make smarter choices on the foods we purchase, prepare, and present to our families.When it comes to day-to-day life, nutrition is defined as what we consume as it relates to what we need to keep our bodies healthy. Thanks to recent participation of the USDA in our daily food requirements and the FDA keeping up the standards of safe eating, nutrition has become more of a common household word.So what actions should we take with regards to nutrition? How can we find out what our nutritional requirements are, how to fulfill them, and in which foods to find the best nutritional value? Nutrition in its own right hasn’t garnered the amount of attention it probably needs. We hear all sorts of buzzwords regarding milk and cereals fortified with vitamins, our daily vitamin intake, and what nutritional value we get from our food choices. But how does all this actually apply to our daily body functions?Our vitamin and mineral requirements frequently outweigh our caloric needs. Here is where supplemental vitamins and minerals are necessary to fill the gap. All these things are part of our basic nutritional needs.Because everyone has individual needs and because there are so many different facets to nutrition, nutrition is a very complex topic. Men and women have very different needs, and even young women’s needs are different from that of older women. Continual education and reevaluation of our nutritional needs as we age is a necessary part of our bodily health.It stands to reason that an athletic middle-aged hiker would have differing nutritional needs from a person who suffered from heart disease. So many different elements factor into our nutritional health, it’s easy to see how it can become so complex. In a perfect world, everyone would have their own scale they could use to determine their bodies’ physical and nutritional needs on a cellular level to recalibrate every so often for optimum nutrition. People need to realize that everyone is different, and a good nutritional education is the key to having our body run as efficiently as it can. The goal of everyone’s life should be good nutrition.

The Portuguese Property Market From the Finance Perspective

The first thing that is evident is that there is less choice available when looking for finance. This is because several of the banks, which were actively lending to foreign investors have stopped doing so, these would include BBVA and BCP. That said, there are still other banks that remain in the market, just less of them.The banks that remain however have more stringent terms for their lending. Products, which were available at 75% loan to value in 2007, are now reduced to 60%. Banks are looking for high net worth clients and interest rates are far higher. Lenders are seeking to improve the quality of their lending books and this is reflected in their policy.With certain lenders, it used to be the case that if you managed to negotiate a price well below the market value, you could achieve a 100% loan against the price, as the lenders would allow the loan percentage to be a reflection of the valuation. This is no longer the case, far more conservative lending policy now no longer allows this and even if you get a discount you’ll be restricted to a percentage of the purchase price.Although these changes to lending criteria have restricted the availability of lending, there has been a positive side to this. The market is now far more realistically priced that it was 4 years ago, this is reflected in the valuations that are coming back from surveyors. Judith Price at Caixa Geral de Depositos told me last week “in my experience valuations are all coming in at purchase price or slightly above”. Realism in any market is a good thing as it leads to stability and confidence.There are of course still over riding factors which could destabilise everything, you only have to look eastwards to Greece to see where these originate. In September there were some purchases that fell away over the Greek problems and the IMF moving in. The cost of money went up and these increases are passed on to the end borrower.As far as actual development finance is concerned, the picture is even bleaker. Weak demand and falling prices have meant that there are many projects already at a stand still and lenders are of the view “why lend on more?”So are there any good bits of news and what should investors consider?To start with, variable rate loans in Portugal are usually linked to Euribor, When looking at 6 month Euribor, in March 2011 it stood at 1.352%, in September 1.755% but now stands at 1.505%, so it is possible that barring other financial shocks, rates may have passed their peak.Bank loan margins are still high though, because of the cost of money, so it may be better to consider a fixed rate product for the next few years.Portugal still offers good value for money and with Sterling’s recent strengthening against the Euro this has again improved. Investors should also consider whether they could raise finance in their own country at a cheaper rate than those available in Portugal, although this needs to be weighed against having Euro debt against a Euro based property if their own currency is outside the Euro zone.Remember that finance is more difficult to obtain across Europe. Portugal remains a wonderful country with far better value in the property market, than a few years ago. Whilst the economy still has a large debt overhang, the government has taken strong steps to try and bring this under control.

US Markets in green on Friday; Dow 30 up over 345 points, Nasdaq Composite, S&P 500 up nearly 1%

US Markets were trading in the green on Friday with Dow 30 trading at 30,678.80, up by 1.14%. While S&P 500 was trading at 3,701.66, up by 0.98% and Nasdaq Composite 10,690.60 was also up by 0.71 per cent

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US Markets in green on Friday; Dow 30 up over 345 points, Nasdaq Composite, S&P 500 up nearly 1%
Earlier today, Indian stock markets ended the week on a winning note. It was the sixth straight gains for equity markets. Source: Reuters
US Markets were trading in the green on Friday with Dow 30 trading at 30,678.80, up by 345.25 points or1.14 per cent. While S&P 500 was trading at 3,701.66, up by 35.88 points or 0.98 per cent and Nasdaq Composite 10,690.60 was also up 75.75 points or 0.71 per cent. A Reuters report said that today’s strength was on the back of a report which said the Federal Reserve will likely debate on signaling plans for a smaller interest rate hike in December, reversing declines set off by social media firms after Snap Inc’s ad warning.

Source: Comex

Nasdaq Top Gainers and Losers

Source: Nasdaq

Earlier today, Indian stock markets ended the week on a winning note. It was the sixth straight gains for equity markets. The BSE Sensex ended at 59,307.15, up by 104.25 points or 0.18 per cent from the Thursday closing level. Meanwhile, the Nifty50 index closed at 17,590.00, higher by 26.05 points or 0.15 per cent. In the 30-share Sensex, 13 stocks gained while the remaining 17 ended on the losing side. In the 50-stock Nifty50, 21 stocks advanced while 29 declined.