Monthly Archives: August 2017

Income Investing: Selecting the Right Stuff

When is 3 percent better than 6 percent? Yeah, we all know the answer, but only until the prices of the securities we already own begin to fall. Then, logic and mathematical acumen disappear and we become susceptible to all kinds of special cures for the periodic onset of higher interest rates. We’ll be told to sit in cash until rates stop rising, or to sell the securities we own now, before they lose even more of their precious Market Value. Other gurus will suggest the purchase of shorter-term bonds or CDs (ugh) to stem the tide of the perceived erosion in portfolio values. There are two important things that your mother never told you about Income Investing: (1) Higher Interest Rates are good for investors, even better than lower rates, and (2) Selecting the right securities to take advantage of the interest rate cycle is not particularly difficult.

Higher Interest Rates are the result of the Government’s efforts to slow a growing economy in hopes of preventing an appearance of the three headed inflation monster. A quick glance over your shoulder might remind you of recent times when the government was trying to heal the wounds of a misguided Wall Street attack on traditional investment principles by lowering interest rates. The strategy worked, the economy rebounded, and Wall Street is trying to scramble back to where it was nearly six years ago. Think about the impact of changing interest rates on your Income Securities during the past five years. Bonds and Preferred Stocks; Government and Municipal Securities; they all moved higher in Market Value. Sure you felt wealthier, but the increase in your Annual Spendable Income got smaller and smaller. Your total income could well have decreased during the period as higher interest rate holdings were called away (at face value), and reinvestments were made at lower yields!

How many of you have mental bruises from the realization that you could have taken profits during the downward trajectory of the cycle, on the very securities that you now lament over. The nerve; falling below the price you paid for them years ago. But the income on these turncoats is the same as it was in 2004, when their prices were ten or twenty percent higher. This is the work of Mother Nature’s financial twin sister. It’s like acorns, snowfalls, and crocuses. You need to dress properly for seasonal changes and invest properly for cyclical changes. Remember the days of Bearer Bonds? There was never a whisper about Market Value erosion. Was it the IRS or Institutional Wall Street that took them away?

Higher rates are good for investors, particularly when retirement is a factor in your investment decisions. The more you receive for your reinvestment dollars, the more likely it is that you won’t need a second job to maintain your standard of living. I know of no retail entity, from grocery store to cruise line that will accept the Market Value of your portfolio as payment for goods or services. Income pays the bills, more is always better than less, and only increased income levels can protect you from inflation! So, you say, how does a person take advantage of the cyclical nature of interest rates to garner the best possible income on investment quality securities? You might also ask why Wall Street makes such a fuss about the dismal bond market and offers more of their patented Sell Low, Buy High advisories, but that should be fairly obvious. An unhappy investor is Wall Streets best customer.

Selecting the right securities to take advantage of the interest rate cycle is not particularly difficult, but it does require a change in focus from the statement bottom line… and the use of a few security types that you may not be 100% comfortable with. I’m going to assume that you are familiar with these investments, each of which could be considered (from time to time) for a spot in the well diversified Income Portion of your Asset Allocation: (1) The traditional individual Municipal and Corporate Bonds, Treasuries, Government Agency Securities, and Preferred Stocks. (2) The eyebrow raising Unit Trust varietals, Closed End Funds, Royalty Trusts, and REITs. [Purposely excluded: CDs and Money Funds, which are not investments by definition; CMOs and Zeros, mutations developed by some sicko MBAs; and Open End Mutual Funds, which just can’t work because they are really “managed by the mob”… i.e., investors.] The market rules that apply to all of these are fairly predictable, but the ability to create a safer, higher yielding, and flexible portfolio varies considerably within the security types. For example, most people who invest in Individual bonds wind up with a laundry list of odd lot positions, with short durations and low yields, designed for the benefit of that smiling guy in the big corner office. There is a better way, but you have to focus on income and be willing to trade occasionally.

The larger the portfolio, the more likely it is that you will be able to buy round lots of a diversified group of bonds, preferred stocks, etc. But regardless of size, individual securities of all kinds have liquidity problems, higher risk levels than are necessary, and lower yields spaced out over inconvenient time periods. Of the traditional types listed above, only preferred stock holdings are easily added to during upward interest rate movements, and cheap to take profits on when rates fall. The downside on all of these is their callability, in best-yield-first order. Wall Street loves these securities because they command the highest possible trading costs… costs that need not be disclosed to the consumer, particularly at issue. Unit Trusts are traditional securities set to music, a tune that generally assures the investor of a higher yield than is possible through personal portfolio creation. There are several additional advantages: instant diversification, quality, and monthly cash flow that may include principal (better in rising rate markets, ya follow?), and insulation from year-end swap scams. Unfortunately, the Unit Trusts are not managed, so there are few capital gains distributions to smile about, and once all of the securities are redeemed, the party is over. Trading opportunities, the very heart and soul of successful Portfolio Management, are practically non-existent.

What if you could own common stock in companies that manage the traditional Income Securities and other recognized income producers like real estate, energy production, mortgages, etc.? Closed End Funds (CEFs), REITs, and Royalty Trusts demand your attention… and don’t let the idea of “leverage” spook you. AAA + insured corporate bonds, and Utility Preferred Stocks are “leverage”. The sacred 30-year Treasury Bond is “leverage”. Most corporations, all governments (and most private citizens) use leverage. Without leverage, most people would be commuting to work on bicycles. Every CEF can be researched as part of your selection process to determine how much leverage is involved, and the benefits… you’re not going to be happy when you realize what you’ve been talked out of! CEFs, and the other Investment Company securities mentioned, are managed by professionals who are not taking their direction form that mob (also mentioned earlier). They provide you the opportunity to have a properly structured portfolio with a significantly higher yield, even after the management fees that are inside.

Certainly, a REIT or Royalty Trust is more risky than a CEF comprised of Preferred Stocks or Corporate Bonds, but here you have a way to participate in the widest variety of fixed and variable income alternatives in a much more manageable form. When prices rise, profit taking is routine in a liquid market; when prices fall, you can add to your position, increasing your yield and reducing your cost basis at the same time. Now don’t start to salivate about the prospect of throwing all your money into Real Estate and/or Gas and Oil Pipelines. Diversify properly as you would with any other investments, and make sure that your living expenses (actual or projected) are taken care of by the less risky CEFs in the portfolio. In bond CEFs, you can get un-leveraged portfolios, state specific and/or insured Municipal portfolios, etc. Monthly income (frequently augmented by capital gains distributions) at a level that is most often significantly better than your broker can obtain for you. I told you you’d be angry!

Another feature of Investment Company shares (and please stay away from gimmicky, passively managed, or indexed types) is somewhat surprising and difficult to explain. The price you pay for the shares frequently represents a discount from the market value of the securities contained in the managed portfolio. So instead of buying a diversified group of illiquid individual securities at a premium, you are reaping the benefit of a portfolio of (quite possibly the same) securities at a discount. Additionally, and unlike regular Mutual Funds that can issue as many shares as they like without your approval, CEFs will give you the first shot at any additional shares they intend to distribute to investors.

Stop, put down the phone. Move into these securities calmly, without taking unnecessary losses on good quality holdings, and never buy a new issue. I meant to say: absolutely never buy a new issue, for all of the usual reasons. As with individual securities, there are reasons for unusually high or low yields, like too much risk or poor management. No matter how well managed a junk bond portfolio is, it’s still just junk. So do a little research and spread your dollars around the many management companies that are out there. If your advisor tells you that all of this is risky, ill-advised foolishness… well, that’s Wall Street, and the baby needs shoes.

The final article in this Income Investing trilogy will be on managing the Income Portfolio using the Working Capital Model.

Investing In Short Sale Property

With the greater number of property foreclosure incidents occurring across the whole of United States, more and more people are being forced to short sale their homes in order to avoid foreclosure auction, thereby losing home. Short sale is proving to be highly beneficial to all these homeowners by settling their due mortgage at a much lesser rate than what they actually owe to the bank or the lender organization, that is, less than the loan balance. Moreover, since they are under the threats of facing foreclosure and obviously are short of real money, they can hardly avail the traditional means of selling their homes through realtors or to other prospects. The obvious choice for them remains property, thereby avoid foreclosure short sale and it is to this beginning that the real estate industry in the US is gaining on some real momentum.

The market is flooding with properties that are priced quite down to earth and this is providing the real investors of the US and overseas with some valuable opportunities to earn some real cash. In fact, the earnings you can expect from investing in short sale property can vary anywhere between $25,000 and $200,000 or beyond, the sum being contingent upon your investment, your investment pattern, the location of investment and so on and so forth. Most of the times, you can expect to get a short sale property at only 60% of the original rate, which you can sell in the open market, after necessary refurbishments, to earn you over 30% of the price value of the property under concern.

However, how much profit you make is determined by your vision and certain aspects that you need to keep in mind in order to make a deal worthy of investment. Let yourself be open to several options in investment, although keeping in mind what would fetch you more returns and which would not. Deciding on a particular property for investment is of crucial significance as your choice can make or break a deal in no time at all. Always predicate your choice of property on the ability to make profit out of it – for instance, take into consideration the location of the property and how viable it will be in the open market, when you intend to sell it at a later point in time.

Assess the property of your concern very well before you opt to buy it. For example, consider the number and extend of repairs and refurbishments you will need to do in a particular property to make it viable to a general buyer. Remember, every dollar you put in for repair or refurbishment is a part of your investment and it will definitely affect the returns you wish from it. However, if you foresee good profit opportunities, investing after a property will not be a bad deal. For this you need a general understanding of the real estate market and its forces. It is advisable to consult a short sale expert agency for their assistance in this domain. From negotiating with a seller to that with the concerned mortgage authority – the short sale experts – they will best help you address every aspect involved in the closing of a successful real estate deal.

Financial Investor, Strategic Investor

In the not so distant past, there was little difference between financial and strategic investors. Investors of all colors sought to safeguard their investment by taking over as many management functions as they could. Additionally, investments were small and shareholders few. A firm resembled a household and the number of people involved – in ownership and in management – was correspondingly limited. People invested in industries they were acquainted with first hand.

As markets grew, the scales of industrial production (and of service provision) expanded. A single investor (or a small group of investors) could no longer accommodate the needs even of a single firm. As knowledge increased and specialization ensued – it was no longer feasible or possible to micro-manage a firm one invested in. Actually, separate businesses of money making and business management emerged. An investor was expected to excel in obtaining high yields on his capital – not in industrial management or in marketing. A manager was expected to manage, not to be capable of personally tackling the various and varying tasks of the business that he managed.

Thus, two classes of investors emerged. One type supplied firms with capital. The other type supplied them with know-how, technology, management skills, marketing techniques, intellectual property, clientele and a vision, a sense of direction.

In many cases, the strategic investor also provided the necessary funding. But, more and more, a separation was maintained. Venture capital and risk capital funds, for instance, are purely financial investors. So are, to a growing extent, investment banks and other financial institutions.

The financial investor represents the past. Its money is the result of past – right and wrong – decisions. Its orientation is short term: an “exit strategy” is sought as soon as feasible. For “exit strategy” read quick profits. The financial investor is always on the lookout, searching for willing buyers for his stake. The stock exchange is a popular exit strategy. The financial investor has little interest in the company’s management. Optimally, his money buys for him not only a good product and a good market, but also a good management. But his interpretation of the rolls and functions of “good management” are very different to that offered by the strategic investor. The financial investor is satisfied with a management team which maximizes value. The price of his shares is the most important indication of success. This is “bottom line” short termism which also characterizes operators in the capital markets. Invested in so many ventures and companies, the financial investor has no interest, nor the resources to get seriously involved in any one of them. Micro-management is left to others – but, in many cases, so is macro-management. The financial investor participates in quarterly or annual general shareholders meetings. This is the extent of its involvement.

The strategic investor, on the other hand, represents the real long term accumulator of value. Paradoxically, it is the strategic investor that has the greater influence on the value of the company’s shares. The quality of management, the rate of the introduction of new products, the success or failure of marketing strategies, the level of customer satisfaction, the education of the workforce – all depend on the strategic investor. That there is a strong relationship between the quality and decisions of the strategic investor and the share price is small wonder. The strategic investor represents a discounted future in the same manner that shares do. Indeed, gradually, the balance between financial investors and strategic investors is shifting in favour of the latter. People understand that money is abundant and what is in short supply is good management. Given the ability to create a brand, to generate profits, to issue new products and to acquire new clients – money is abundant.

These are the functions normally reserved to financial investors:

Financial Management

The financial investor is expected to take over the financial management of the firm and to directly appoint the senior management and, especially, the management echelons, which directly deal with the finances of the firm.

1.. To regulate, supervise and implement a timely, full and accurate set of accounting books of the firm reflecting all its activities in a manner commensurate with the relevant legislation and regulation in the territories of operations of the firm and with internal guidelines set from time to time by the Board of Directors of the firm. This is usually achieved both during a Due Diligence process and later, as financial management is implemented.

2.. To implement continuous financial audit and control systems to monitor the performance of the firm, its flow of funds, the adherence to the budget, the expenditures, the income, the cost of sales and other budgetary items.

3.. To timely, regularly and duly prepare and present to the Board of Directors financial statements and reports as required by all pertinent laws and regulations in the territories of the operations of the firm and as deemed necessary and demanded from time to time by the Board of Directors of the Firm.

4.. To comply with all reporting, accounting and audit requirements imposed by the capital markets or regulatory bodies of capital markets in which the securities of the firm are traded or are about to be traded or otherwise listed.

5.. To prepare and present for the approval of the Board of Directors an annual budget, other budgets, financial plans, business plans, feasibility studies, investment memoranda and all other financial and business documents as may be required from time to time by the Board of Directors of the Firm.

6.. To alert the Board of Directors and to warn it regarding any irregularity, lack of compliance, lack of adherence, lacunas and problems whether actual or potential concerning the financial systems, the financial operations, the financing plans, the accounting, the audits, the budgets and any other matter of a financial nature or which could or does have a financial implication.

7.. To collaborate and coordinate the activities of outside suppliers of financial services hired or contracted by the firm, including accountants, auditors, financial consultants, underwriters and brokers, the banking system and other financial venues.

8.. To maintain a working relationship and to develop additional relationships with banks, financial institutions and capital markets with the aim of securing the funds necessary for the operations of the firm, the attainment of its development plans and its investments.

9.. To fully computerize all the above activities in a combined hardware-software and communications system which will integrate into the systems of other members of the group of companies.

10.. Otherwise, to initiate and engage in all manner of activities, whether financial or of other nature, conducive to the financial health, the growth prospects and the fulfillment of investment plans of the firm to the best of his ability and with the appropriate dedication of the time and efforts required.

Collection and Credit Assessment

1.. To construct and implement credit risk assessment tools, questionnaires, quantitative methods, data gathering methods and venues in order to properly evaluate and predict the credit risk rating of a client, distributor, or supplier.
2.. To constantly monitor and analyse the payment morale, regularity, non-payment and non-performance events, etc. – in order to determine the changes in the credit risk rating of said factors.
3.. To analyse receivables and collectibles on a regular and timely basis.
4.. To improve the collection methods in order to reduce the amounts of arrears and overdue payments, or the average period of such arrears and overdue payments.
5.. To collaborate with legal institutions, law enforcement agencies and private collection firms in assuring the timely flow and payment of all due payments, arrears and overdue payments and other collectibles.
6.. To coordinate an educational campaign to ensure the voluntary collaboration of the clients, distributors and other debtors in the timely and orderly payment of their dues.
The strategic investor is, usually, put in charge of the following:

Project Planning and Project Management

The strategic investor is uniquely positioned to plan the technical side of the project and to implement it. He is, therefore, put in charge of:

1.. The selection of infrastructure, equipment, raw materials, industrial processes, etc.;

2.. Negotiations and agreements with providers and suppliers;

3.. Minimizing the costs of infrastructure by deploying proprietary components and planning;

4.. The provision of corporate guarantees and letters of comfort to suppliers;

5.. The planning and erecting of the various sites, structures, buildings, premises, factories, etc.;

6.. The planning and implementation of line connections, computer network connections, protocols, solving issues of compatibility (hardware and software, etc.);

7.. Project planning, implementation and supervision.

Marketing and Sales

1.. The presentation to the Board an annual plan of sales and marketing including: market penetration targets, profiles of potential social and economic categories of clients, sales promotion methods, advertising campaigns, image, public relations and other media campaigns. The strategic investor also implements these plans or supervises their implementation.
2.. The strategic investor is usually possessed of a brandname recognized in many countries. It is the market leaders in certain territories. It has been providing goods and services to users for a long period of time, reliably. This is an important asset, which, if properly used, can attract users. The enhancement of the brandname, its recognition and market awareness, market penetration, co-branding, collaboration with other suppliers – are all the responsibilities of the strategic investor.
3.. The dissemination of the product as a preferred choice among vendors, distributors, individual users and businesses in the territory.
4.. Special events, sponsorships, collaboration with businesses.
5.. The planning and implementation of incentive systems (e.g., points, vouchers).
f.. The strategic investor usually organizes a distribution and dealership network, a franchising network, or a sales network (retail chains) including: training, pricing, pecuniary and quality supervision, network control, inventory and accounting controls, advertising, local marketing and sales promotion and other network management functions.
g.. The strategic investor is also in charge of “vision thinking”: new methods of operation, new marketing ploys, new market niches, predicting the future trends and market needs, market analyses and research, etc.
The strategic investor typically brings to the firm valuable experience in marketing and sales. It has numerous off the shelf marketing plans and drawer sales promotion campaigns. It developed software and personnel capable of analysing any market into effective niches and of creating the right media (image and PR), advertising and sales promotion drives best suited for it. It has built large databases with multi-year profiles of the purchasing patterns and demographic data related to thousands of clients in many countries. It owns libraries of material, images, sounds, paper clippings, articles, PR and image materials, and proprietary trademarks and brand names. Above all, it accumulated years of marketing and sales promotion ideas which crystallized into a new conception of the business.

Technology

1.. The planning and implementation of new technological systems up to their fully operational phase. The strategic partner’s engineers are available to plan, implement and supervise all the stages of the technological side of the business.
2.. The planning and implementation of a fully operative computer system (hardware, software, communication, intranet) to deal with all the aspects of the structure and the operation of the firm. The strategic investor puts at the disposal of the firm proprietary software developed by it and specifically tailored to the needs of companies operating in the firm’s market.
3.. The encouragement of the development of in-house, proprietary, technological solutions to the needs of the firm, its clients and suppliers.
4.. The planning and the execution of an integration program with new technologies in the field, in collaboration with other suppliers or market technological leaders.
Education and Training

The strategic investor is responsible to train all the personnel in the firm: operators, customer services, distributors, vendors, sales personnel. The training is conducted at its sole expense and includes tours of its facilities abroad.

The entrepreneurs – who sought to introduce the two types of investors, in the first place – are usually left with the following functions:

Administration and Control

1.. To structure the firm in an optimal manner, most conducive to the conduct of its business and to present the new structure for the Board’s approval within 30 days from the date of the GM’s appointment.
2.. To run the day to day business of the firm.
3.. To oversee the personnel of the firm and to resolve all the personnel issues.
4.. To secure the unobstructed flow of relevant information and the protection of confidential organization.
5.. To represent the firm in its contacts, representations and negotiations with other firms, authorities, or persons.
This is why entrepreneurs find it very hard to cohabitate with investors of any kind. Entrepreneurs are excellent at identifying the needs of the market and at introducing technological or service solutions to satisfy such needs. But the very personality traits which qualify them to become entrepreneurs – also hinder the future development of their firms. Only the introduction of outside investors can resolve the dilemma. Outside investors are not emotionally involved. They may be less visionary – but also more experienced.

They are more interested in business results than in dreams. And – being well acquainted with entrepreneurs – they insist on having unmitigated control of the business, for fear of losing all their money. These things antagonize the entrepreneurs. They feel that they are losing their creation to cold-hearted, mean spirited, corporate predators. They rebel and prefer to remain small or even to close shop than to give up their cherished freedoms. This is where nine out of ten entrepreneurs fail – in knowing when to let go.

Benefits and deficiencies of Vitamins

Vitamins are compounds found in food, which help us to be fit and healthy. These organic compounds help in the functioning of the various metabolic systems of our body. Vitamins are found naturally in the various foods, which we consume and we can also obtain vitamins in the form of vitamin supplements. Vitamins also help to protect our body from diseases and infections. Vitamins are also essential for the formation of various enzymes and hormones of the body which control the metabolic activities such as digestion, circulation excretion etc. There are about eleven types of vitamins, which are essential for the human body. Vitamin A is essential for the proper functioning of our eye and it also acts as an anti oxidant preventing certain oxidizing chemical reactions, which cause harm to our body. Vitamin A can be obtained from green leafy vegetables, broccoli, carrot, sweet potatoes, pumpkin, papaya etc. The B group vitamins include thiamin, riboflavin, niacin, folic acid, cyanocobalamin and biotin. These are essential for the proper functioning of our nervous system and for the conversion of food in to energy by the body. It is also essential for the proper functioning of various metabolic activities of our body. Vitamin B is available from whole grains, beans, fish, lean meat, fruits and vegetables, dry fruits, nuts, milk, egg, soy beans, etc. Vitamin B-12 can be obtained only from animal sources such as liver, egg, meat, cheeses etc. B group vitamins are essential for the amino acid metabolism, nitrogen metabolism, and for the healthy skin. Vitamin C can be obtained from citrus fruits such as lemon, sweet lime, oranges, grapes, grapefruit etc. Vitamin C is essential for the prevention of diseases and infection. It also helps in the absorption of iron. Vitamin D can be obtained from sunlight. It is essential for the bones and teeth. It is also needed for the growth of our body. Vitamin E is an essential antioxidant. It can be obtained from whole grains, asparagus, wheat germ, corn, green leafy vegetables and seeds.

If you do not take a proper nutritious diet then you may suffer from vitamin deficiency health problems. Lack of Vitamin A can cause problems related to eyesight such as night blindness. Insufficient Vitamin B can cause diseases like Beriberi, Anemia, poor resistance to diseases, etc. Lack of Vitamin C causes gum bleeding, weakness, loss of appetite, tiredness etc. Insufficient vitamin D causes deformation of bones and teeth. Deficiency of vitamins in food leads to poor health. An effective way of filling the nutritional gaps due to poor eating habits is the use of vitamin supplements. These vitamin supplements can help us to boost our immune system and to build up stamina.

It is always better to take vitamins as a whole from food sources rather than synthetic vitamins. Taking synthetic vitamins is more like taking half vitamin and our body treats natural and synthetic vitamin differently. It is very essential to provide our body with natural nutrients for protecting various organs and body functions. Our body needs whole vitamins, which are found naturally in the foods such as grains, vegetables and fruits rather than vitamin supplements. Our body utilizes the natural vitamin more efficiently than the synthetic vitamin.

Choosing The Right Vitamin Supplement

Millions of people take daily vitamin supplements to encourage good health. With all the different kinds of vitamins, minerals and herbs flooding the market these days, it’s sometimes difficult to know what to choose.

The first thing you need to know is that vitamin supplements are not a replacement for eating healthy, vitamin rich whole foods. Food contains the nutrients your body needs in their very purest form, and interact with each other and your body in a way supplements cannot. However, taking vitamin supplements in addition to eating a vitamin-rich diet can be a great way to stay healthy and protect against damage from harmful free radicals.

When shopping for vitamin supplements, there are a few things you should keep in mind:

Always read the label

Reading labels is a wise practice you should do every time you shop for supplements. Labels can tell you more about dosages, ingredients, safety precautions, and other important information.

Choose a reputable manufacturer

Always choose products with “USP” on the label. “USP” is the abbreviation for the U.S. Pharmacopeia and the inclusion on the label means the product has been tested and checked for quality and safety.

Check the Date

Expired vitamins can lose their potency. Always make sure there is an expiration date printed on the bottle, and never purchase or use expired supplements.

Avoid Giant Doses

Do not choose supplements that offer extremely high doses of a particular vitamin or vitamins. Too much of anything can be harmful, sometimes even fatal.

Store Safely

Always keep your vitamins out of the reach of children. Store in a cool, dark, dry place as heat and humidity can affect the integrity of the vitamins.

Always Do Your Homework

Research is always a good idea before deciding to take vitamin supplements. Consult with your doctor. Perform some Internet searches or visit your local library. There is a wealth of resources available for you on the topic of vitamin supplements and the benefits they offer.

Herbal natural supplements allergy relief

Learn the best natural allergy treatment methods, strengthen your immune system, providing adrenal support, and review the best vitamins, minerals, and herbs for fighting allergies…

There are cures for allergies. Allergies can be managed with proper prevention and treatment. Many people seek allergy relief naturally since this can be a powerful method of strengthening the immune system, minimizing allergy symptoms, and obtaining relief. However, alternative health treatment is steadily on the rise as it contains the vitamins which are natural and cures the disease with no side effects.

When I talk about natural allergy treatment, by the way, I’m not just referring to vitamins, minerals, and herbs. This alternative allergy treatment that has proven to be quick, reliable, and very effective.

Allergies occur when the immune system overreacts to a normally harmless substance, such as pollen. Although there are many different types of allergies, including food and skin allergies, allergies to airbone and many more are affected.

Allergies are grouped by the kind of trigger, time of year or where symptoms appear on the body: indoor and outdoor allergies (also called “hay fever,” “seasonal,” “perennial” or “nasal” allergies), food and drug allergies, latex allergies, insect allergies, skin allergies and eye allergies

Allergies are diseases of the immune system and are characterized by an overreaction of the human immune system to certain substances that usually cause no reaction in most individuals. “Antigens,” or protein particles like pollen, food or dander enter our bodies through a variety of ways. If the antigen causes an allergic reaction, that particle is considered an “allergen” – and antigen that triggers an allergic reaction. These are substances (or “allergens”) that are eaten (peanuts, shellfish, etc.), breathed into the lungs or inhaled (pollen, dust mites, etc.), injected (bee stings, certain medicines, etc.) or touched (poison ivy, latex, etc.).

The immune system overreaction can result in symptoms such as coughing, sneezing, wheezing, itchy eyes, runny nose, sore or hoarse throat, difficulty breathing, sinus congestion, excessive drowsiness or low energy, headache, facial swelling, skin rashes or hives, itching and itchy and scratchy nose and throat. In severe cases it can also result in rashes, hives, lower blood pressure, difficulty breathing, asthma attacks, and even death. Allergy symptoms can range from mild to severe. The above symptoms are generally considered mild. See a doctor immediately if you begin wheezing or have difficulty breathing, which could be signs of an asthma attack.

This is among the country’s most common, yet often overlooked, disease. Allergies are not only bothersome, but many have been linked to a variety of common and serious chronic respiratory illnesses (such as sinusitis and asthma). Additionally, allergic reactions can be severe and even fatal. Allergies have a genetic component

Anaphylaxis is a potentially life-threatening allergic reaction. Although it often begins with itching of the eyes or face, within minutes it can progress to such severe swelling that make it difficult to breathe and swallow. Abdominal pain, vomiting, and diarrhea may also occur. This is a medical emergency and requires immediate treatment.

The foods you eat can boost your immune system and prevent symptoms. People with allergies may also have a sensitivity to certain foods. For example, several studies have found that people allergic to grass pollens also react to tomatoes, peanuts, wheat, apple, carrot, celery, peach, melon, eggs and pork. But almost any food can cause delayed allergies if it is consumed often enough. Try keeping a food diary for one week and look for foods or ingredients that you eat every day or almost every day.

Good allergy treatment is based on the results of allergy tests, medical history, and severity of symptoms. Some people don’t take allergy medicines because they don’t take their symptoms seriously and say “Oh, it’s only my allergies.” The result may be painful and worse complications such as sinus or ear infections. Don’t take the risk because there are other options available to treat allergy symptoms with the traditional allergy medications.

There must be a remedy to each and every disease in the same way here we at our center treat you with the herbal medications which are natural to cure the allergy without any side effects. We treat you on the basis of the condition of the allergy and make you free from it. To stress it again do not neglect the allergy by just saying it cures slowly but it may bring you to the incurable diseases or even to death. So, get treated when you see a symptom has occurred in you.