Life Insurance: Back to Basics

Life Insurance: A Slice of History

The modern insurance contracts that we have today such as life insurance, originated from the practice of merchants in the 14th century. It has also been acknowledged that different strains of security arrangements have already been in place since time immemorial and somehow, they are akin to insurance contracts in its embryonic form.

The phenomenal growth of life insurance from almost nothing a hundred years ago to its present gigantic proportion is not of the outstanding marvels of present-day business life. Essentially, life insurance became one of the felt necessities of human kind due to the unrelenting demand for economic security, the growing need for social stability, and the clamor for protection against the hazards of cruel-crippling calamities and sudden economic shocks. Insurance is no longer a rich man's monopoly. Gone are the days when only the social elite are afforded its protection because in this modern era, insurance contracts are riddled with the assured hopes of many families of modest means. It is woven, as it were, into the very nook and cranny of national economy. It touches upon the holiest and most sacred ties in the life of man. The love of parents. The love of wives. The love of children. And even the love of business.

Life Insurance as Financial Protection

A life insurance policy pays out an agreed amount generally referred to as the sum assured under certain circumstances. The sum assured in a life insurance policy is intended to answer for your financial needs as well as your dependents in the event of your death or disability. Hence, life insurance offers financial coverage or protection against these risks.

Life Insurance: General Concepts

Insurance is a risk-spreading device. Basically, the insurer or the insurance company pools the premiums paid by all of its clients. Theoretically speaking, the pool of premiums answers for the losses of each insured.

Life insurance is a contract whereby one party insures a person against loss by the death of another. An insurance on life is a contract by which the insurer (the insurance company) for a stipulated sum, engages to pay a certain amount of money if another dies within the time limited by the policy. The payment of the insurance money hinges upon the loss of life and in its broader sense, life insurance includes accident insurance, since life is insured under either contract.

Therefore, the life insurance policy contract is between the policy holder (the assured) and the life insurance company (the insurer). In return for this protection or coverage, the policy holder pays a premium for an agreed period of time, dependent upon the type of policy purchased.

In the same vein, it is important to note that life insurance is a valued policy. This means that it is not a contract of indemnity. The interest of the person insured in hi or another person's life is generally not susceptible of an exact pecuniary measurement. You simply cannot put a price tag on a person's life. Thus, the measure of indemnity is whatever is fixed in the policy. However, the interest of a person insured becomes susceptible of exact pecuniary measurement if it is a case involving a creditor who insures the life of a debtor. In this particular scenario, the interest of the insured creditor is measurable because it is based on the value of the indebtedness.

Common Life Insurance Policies

Generally, life insurance policies are often marketed to cater to retirement planning, savings and investment purposes apart from the ones mentioned above. For instance, an annuity can very well provide an income during your retirement years.

Whole life and endowment participating policies or investment linked plans (ILPs) in life insurance policies bundle together a savings and investment aspect along with insurance protection. Hence, for the same amount of insurance coverage, the premiums will cost you more than purchasing a pure insurance product like term insurance.

The upside of these bundled products is that they tend to build up cash over time and they are eventually paid out once the policy matures. Thus, if your death benefit is coupled with cash values, the latter is paid out once the insured dies. With term insurance however, no cash value build up can be had.

The common practice in most countries is the marketing of bundled products as savings products. This is one unique facet of modern insurance practice whereby part of the premiums paid by the assured is invested to build up cash values. The drawback of this practice though is the premiums invested become subjected to investment risks and unlike savings deposits, the guaranteed cash value may be less than the total amount of premiums paid.

Essentially, as a future policy holder, you need to have a thorough assessment of your needs and goals. It is only after this step where you can carefully choose the life insurance product that best suits your needs and goals. If your target is to protect your family's future, ensure that the product you have chosen meets your protection needs first.

Real World Application

It is imperative to make the most out of your money. Splitting your life insurance on multiple policies can save you more money. If you die while your kids are 3 & 5, you will need a lot more life insurance protection than if your kids are 35 & 40. Let's say your kids are 3 & 5 now and if you die, they will need at least $2,000,000 to live, to go to college, etc. Instead of getting $2,000,000 in permanent life insurance, which will be outrageously expensive, just go for term life insurance: $100,000 for permanent life insurance, $1,000,000 for a 10-year term insurance, $500,000 for a 20-year term insurance, and $400,000 of 30 years term. Now this is very practical as it covers all that's necessary. If you die and the kids are 13 & 15 or younger, they will get $2M; if the age is between 13-23, they get $1M; if between 23-33, they get $500,000; if after that, they still get $100,000 for final expenses and funeral costs. This is perfect for insurance needs that changes over time because as the children grow, your financial responsibility also lessens. As the 10, 20, and 30 years term expires, payment of premiums also expires thus you can choose to use that money to invest in stocks and take risks with it.

In a world run by the dictates of money, everyone wants financial freedom. Who doesn't? But we all NEED financial SECURITY. Most people lose sight of this important facet of financial literacy. They invest everything and risk everything to make more and yet they end up losing most of it, if not all- this is a fatal formula. The best approach is to take a portion of your money and invest in financial security and then take the rest of it and invest in financial freedom.

Ultimately, your financial plan is constantly evolving because you are constantly evolving. You can't set a plan and then forget it. You need to keep an open eye on your money to make sure it is working hard because that money needs to feed you for the next 20-30+ years that you will be in retirement. You have to know how to feed your money now so that it can feed you later.

New Business, New Life

Nicholas Feldman owns Dare To Dream Attendant Services in San Francisco, California where he lives with his fiancé and his companion dog Elliot. Nick has cerebral palsy and drives a powered wheelchair with his chin. Nick also has twenty-four hour attendant care.

About a year ago, I started my own business doing homecare in San Francisco. I had decided to do this after working in the nonprofit sector for over nine years and seeing an ever-growing need for homecare.

Starting a business is a very time-consuming process. You must spend hours researching the market and then target the audience that you want to serve. You must market your business, which really means marketing yourself because you get up everyday and you realize that you are your own boss. The business plan is the most important document for a new business owner to follow. You must make critical decisions and plan for whatever may happen next. You are forced to direct and grow the company that is your baby. You are a reader of your company's fortunes and you must take control of what information you have access to. You must understand every angle both social and business. You must be "quick as a whip" and "a jack of all trades." When the internet stops working or the IRS needs a special number, you have to stay organized. You realize that you are the one that must motivate to make money and to thrive even when you are up against a wall. You chose your dream career and you got exactly what you chose.

It takes a lot of discipline to wake up every morning at seven, go down to the office and set into motion the agenda for the overall day, while keeping the overview of the entire company in the back of your mind. It is a balance between the business world and your personal life and making room for both. When people ask me, "Why do you do it?" I think they are referring to the thirteen hour days and the phone calls that never end. I say, "I love what I'm doing and I would not want to do anything else."

Programmer Jobs And The Financial Services Sector

Programs throughout the United Kingdom have a variety of industries in which they can work. IT consultancies and firms that contract professionals to corporations can be lucrative and dynamic. Defense, aerospace, and engineering firms need programmers who are interested in learning about their specific needs and developing IT solutions appropriate for these needs. However, one of the best areas of entry into the job market for a young programmer is in the financial service sector. Programmers need to understand what prospective jobs in financial services require before taking the leap into this lucrative industry.

One aspect of financial service programming jobs in the United Kingdom is creating proprietary systems. Banks and financial advising firms need to have a variety of programs to keep track of funds, account information, and other data. While some banks contract out these services to outside IT firms, many have hired programmers to develop in-house systems. Programmers who are hired to create these systems often have to complete their technical work and then provide training and the new system to employees. In this way, programming jobs in the financial service sector can be interesting and engaging for an IT professional.

Perhaps the largest aspect of the programming job in a financial services firm is providing updates and corrections to IT systems. Programmers often monitor transactions in real time to determine if there are any glitches or bugs that need to be fixed in the system. As well, programmers will typically run a variety of diagnostic tests and evaluations on a system daily to determine if any problems develop as data accumulates in the office network. Programming jobs in banks and financial advising firms are often about patience, reviewing systems, and keeping an eye out for the smallest of problems.

Finally, programming jobs in the financial services sector often require efforts at outreach to non-IT professionals. Bank personnel, financial advisors, and stock traders alike are more familiar with their specific job responsibilities than IT issues. As such, programmers who are fixing problems or installing new updates need to keep professionals updated on what is going on. Programs often need to send out e-mails or go around to individual workers affected, depending on the size of the office. In these communications, a programmer has to explain why the system is down or what they are doing that is causing a slowdown in the network. However, programmers should also explain the consequences of updates to help keep their colleges in the loop.

The Home Based Business Explosion Is Upon Us!

INTRODUCTION

Perhaps I should start by asking the question "What is a Home Based Business? This is any business operated from the comfort of the residential home of the owner.

The next question is who is a Home Based Business owner? This reflects to an Entrepreneur who decides to run his business from the comfort of his home.

I decided to clarify these terms because there is a huge difference between a Home Based Business owner and a Home worker who may be working with a government / private organization but decides to be working from home once or twice during the week.

Evolution of Home based Business

Many businesses operated from home usually start as a Micro or Small Enterprise. Some ever metamorphose into Medium Scale Enterprise and others ever grow into quite large companies.

The desire by Entrepreneurs to start operating businesses from home actually started in the 1980s. During this period, a lot of things combined to precipitate this massive desire by people to own Home based businesses.

In the main, the combination of many factors like socio-economic change, improved technology and new management thinking resolved in the loss of other permanent permanent employment and this encouraged people to attempt to revalidate their freedom by opting to set up a business at home.

The advent of new management thinking and theories like downsizing to make an organization Lean and more agile and efficient created flaws in the mind of the average worker

So mass lay-offs helped create the right environment for some workers to go it alone and set up a Home based business.

The period of late 1990 to 2010 can be appropriately described as the period of massive explosion in the establishment of businesses at home. The use of Computer, Internet and Mobile Technology helped in the growth of this idea.

I strongly believe the idea of ​​setting up business at home will continue to be positive and will remain so for a long time.

The continued upsurge in the desire of people to own businesses has attracted the attention of Universities and other higher institutions. They have responded by introducing different courses and programs on Entrepreneurial studies to cater for these needs.

Unlike earlier belief that businesses run from home are not well managed and do not make good money, the present situation is that many entrepreneurs motivated to set up business at home now have college degrees including a lot of high level professionals with business exposure.

The entrepreneurial spirit is innate in all of us and we only need to be adequately motivated to take the necessary action.

It's really an exciting world out there.

THE HOME BASED BUSINESS EXPLOSION

As stated earlier, although the crave for running businesses from home started way back in the 1980s, what can be termed the explosion of this way of doing business was between the late 1990s and the first decade of the new millennium. (2010+)

This coincided with the time when the setting up of a Home based business became a Fad. According to Mr. Lewis of the National Association of Home Based Businesses, Home based business in the United States grew from about 6 million in 1984 to 23 million by 2007.

With the help of modern technology like computers, mobile phones, printers and the huge power of the internet, more work is being done actually than ever before and more global businesses are routinely being run from home.

According to the 2012 GEM report, 69 percent of American entrepreneurs start their business at home from either a spare room in the house, the dining table or from the garage. The report further revealed that more than 50 percent of entrepreneurs continue to operate from home even after the business has taken off successfully and stabilized.

Again according to Mr. Lewis of the National Association of Home Based Businesses, his own companies do training in 20 countries, import eyeglass frames from China and also develop condominiums.

Mr. Nuyten of the Home Based Business Statistics in America cited the following statistics as at 2012:

38 million Businesses were operating from residential homes in America

A new business is started from home every 12 seconds in the United States

The Home Based Business sector in the United States earned Four Hundred and Twenty Seven billion dollars.

It revealed that 70 percent of Americans would like to be self-employed.

Entrepreneurship has become entrenched in the psyche of the average person. The Baylor University study of 2005 revealed then that more than 5 million jobs had been lost in Fortune 500 companies since 1980 while 34 million were created in small businesses.

The United States Census Bureau data of October 2012, also disclosed that the number of businesses being operated from home have been on the rise since 1999.

The United Kingdom Experience

The continued growth in the Home based business sector appears to be a global phenomenon as the report from the United Kingdom will show briefly.

The United Kingdom Department of Business, Innovation and Skills released a report titled "Backing for Home Business" which revealed that 2.9 million home based businesses in the United Kingdom contributed 300 billion pounds sterling to the UK economy. The report also stated that 70 percent of all new businesses in the United Kingdom started from home.

According to Home Business report compiled by Enterprise Nation, 1,400 new businesses are starting from home each week.

This report also confirmed that out of a total of 4.5 million small and medium enterprises, 2.1 million are Home based businesses.

Factors contributing to the growth of Home Based Businesses

There are many factors motivating people to set up Home based businesses such as:

• Losing one's job

Being laid off in a time of economic downturn could be very devastating. With difficulty in getting new job offers, the next best thing would be to start a home based business.

• Flexible lifestyle

You are your own Boss. Literally, you can come and go as you please. You maintain better work / family balance. There are no set opening and closing times. You go for lunch and vacation when you feel like

• Reduction in Stress level

The daily commuting, especially with the present heavy fuel costs is avoided. Also those train / bus rides to and from work with all sorts of characters is avoided.

• No corporate office politics

You are not thinking of how to always please the boss and climb the corporate ladder. You do not have to engage with difficult collections. Best of all, there are no dress codes.

• Cheaper start up and running costs

It's cheaper to set up a Home based business. A serious entrepreneur can get started with just $ 5,000. The main requirements could just be a computer, mobile phone, printer and a good internet connection. No rent of physical store space.

• Secondary Income

Some entrepreneurs set up business at home to bring in extra income to support a day job. Some people start the business as a part time hobby. Sometimes the business may become very successful and the entrepreneur will now take the decision to resign from the day job.

• Be your own boss

You are your own boss. You have the freedom to do things the way you want. There is nobody breathing down your neck reminding you of targets.

• Job dissatisfaction

An otherwise loyal employee may become unhappy with the company for lack of promotion and motivation. The next thought is to set up a Home based business.

• Opportunity to achieve Self actualization

Having your own business gives you the opportunity to make as much money as you desire. This course depends on how much money you want to make and the amount of time and effort you decide to invest in the business.

Advantages of running a business from home

The desire to get out of the rat race, avoid the daily grind coupled with the power of modern technology make telecommuting more productive.

Together with some of the factors already mentioned above, listed below are more advantages:

• Tax advantages

You can deduct some of your expenses as business expenses. These could be utility bills, insurance, mortgage and property tax.

• Opportunities for Professional improvement

It is safe to assume that with the day to day running of your business, you will develop more business management skills.

• Multiple streams of Income

With more time to yourself and the freedom to follow your lead, you can decide to explore other areas of interest and create multiple streams of income.

Disadvantages of running a business from home.

In spite of the almost glamorous attraction of Entrepreneurship, there are some disadvantages which must be effectively managed in order to improve the chances of success.

• Irregular Income

For some one that had been used to regular pay checks, having to go through some weeks without income could be a huge challenge.

• Lack of adequate space

This could arrise where work sometimes spills into the home space

• Awareness of Family and Friends

The ignorance of family and friends could become a distraction if not properly managed.

• Lack of Fringe benefits

Fringe benefits like health and dental insurance and paid vacations which were hitherto being enjoyed in paid employment are no longer available.

• Friction with neighbors

The type of business you are involved in could create friction with neighbors due to noise pollution and lack of packing space

• Health Issues

Staying glued to the computer screen and in a small space may affect health and fitness. So try and create time for exercise and recreation.

CONCLUSION

So as the French would say Voila! There you are! The idea of ​​starting a business at home has become engraved in the mind of people. Every day, people are starting thousands of businesses in their residences all over the world.

Although there are disadvantages in running a business from home, the advantages far outweigh the disadvantages.

Some industry watchers believe that crave for setting up businesses at home is saying and the general trend could be heading downwards.

However, I personally believe that the trend can only continue northwards. Why? Because I see all the indicators still pointing positive. The factors that motivate people to set up Home based business are still very much around. There are still massive lay- offs going on in many companies and workers are still feeling short changed by employers.

To crown it all, the technological tools like Computers, Mobile Phones, Printers and the Internet which assist Home Based Business owners to work smarter and achieve more with less effort are still evolving.

Therefore I'm of the view that the trend of setting up businesses at home is still on the upward swing.

So, how about you? What do you think? Is the trend moving up or going down.

Let's have your thoughts.

6 Reasons Why Java Developers Should Learn Hadoop

Imagine there are two girls standing in front of you - The first girl is cute, beautiful, interesting and has the smile that any guy would die for. And the other girl is average-looking, quiet, not-so-impressive ... no different from the ones that you usually see in the restaurant cash counter. Which girl will you call out for a date? If you're like me, you will choose the attractive girl. You see, life is full of options and making the right choice is what matters the most.

If you're a Java developer, then you probably have more choices to make - like the switch from Java to Hadoop.

Big data and Hadoop are the two most popular buzzwords in the industry. Chances are that you have come across these two terms on the Java payscale forums or seen your senior colleges making the switch to get bigger paychecks. I'll tell you what, the upgrade from Java to Hadoop is not just about staying updated with the latest technology or getting appraisals - it's about being competent and putting your career on the fifth gear.

The good news for all the aspiring Hadoop developers is that, the Big Data industry has already crossed the $ 50 billion dollar mark and over 64% of the top 720 companies worldwide are interested to invest in this forward-thinking technology as disclosed by Gartner in 2013 .

If that's not convincing, then take a look at these stats:

1. According to an IDC report, the Big Data industry is growing at the rate of 31.7% per year.
2. Java developers are seen as the best replacement option for Hadoop developers, says Forrester.
3. Hadoop developers enjoy a mighty 250% pay hike than Java developers, as stated in an Analytics Industry Report.

What's special about Hadoop?

Unlike the traditional databases which were not capable of dealing with large volumes of data, Hadoop offers the quickest, cheapest, and smartest way to store and process huge volumes of data - and that's the reason why it is so popular among big corporations, government organizations, hospitals, universities, financial services, online marketing agencies, etc. The best way to familiarize with the language is to check out a beginner's big data hadoop course online.

Okay, now let's some reasons why Java developers should switch to Hadoop.

1. Easy To Learn For Java Developers

A tennis player like Rafael Nadal loves clay courts because the surface suits him well and that's where he has been most successful. Similarly, any Java developer would love Hadoop because it's completely written in Java - a language that you are already so familiar with. Switching from Java to Hadoop is a cake-walk for professionals like you because the MapReduce script used in the Hadoop is actually written in Java itself. Awesome, is not it?

Your Java skills will come in handy when debugging Hadoop apps and employing Pig (programming tool) Latin commands.

2. Helps You To Stay Ahead Of Your Competition

If you are a Java professional, you are just seen as a person in the crowd. But, if you are a Hadoop developer, you are seen as potential leader in the crowd. Big Data and Hadoop jobs are a hot deal in the market and Java professionals with the required skill set are easily picked by big companies for high salary packages. All you have to do is attend a big data hadoop online training program and learn the concepts from an expert.

3. Scope To Move Into Bigger Domains

Fortunately for you, the road does not end with Hadoop and MapReduce. There is always the golden opportunity to use your Hadoop skills and expertise to move into higher levels such as Artificial Intelligence, Data Science, Sensor Web data, and Machine Learning. These are emerging markets, and you'll see them dominate the industry in the next 4-5 years. Good knowledge in Big Data and Hadoop could boost your chances of getting into some of the bigger Big Data-dependent companies such as Amazon, Yahoo, Facebook, Twitter, IBM, and eBay.

4. Lucrative Packages For Hadoop Professionals

By switching from Java to Hadoop, you can expect a higher salary and better career prospects - the kind of salary and design that your wife would like to rave about. According to Indeed, the average salary for a Big Data Hadoop developer with 1-2 years of experience is around $ 140,000 per annual in the United States. However, as you gain experience and become a senior Hadoop developer, you will be able to make a good $ 400,000 + salary.

5. An Improved Quality Of Work

Learning Big Data Hadoop can be very beneficial because it will help you to deal with larger, complex projects much easier and deliver better output than your collections. In order to be considered for appraisals, you need to be someone who can make a difference in the team, and that's what Hadoop lets you to be.

6. Grow With The Industry

With IDC predicting that the Big Data and Hadoop user base (big companies and government organizations) is likely to increase at 27% per year, you have a great opportunity to upgrade your knowledge and skills and grow with the industry.

Big Data and Hadoop are widely used in applications such as IT log analytics, Fraud detection, Social media analysis, and Call center analytics - and learning a big data hadoop tutorial online could have the way to kick-start your Hadoop career right away. Once you do that, you will find that staying updated with the latest technology will be a lot easier and getting into top organizations will never be 'just a dream' - it will be a reality.

That's about it, folks! These are some rock-solid reasons why learning Hadoop is important and how it can help take your career to the next level. If you are not familiar with this, then an easy way to learn the basics and know what Hadoop is all about is to do a simple Google search on a phrase like "how to learn hadoop online". When you do, please do not forget to come back and share some useful information with our readers.

How To Remove Gynecomastia Naturally Using Flaxseed

"But flaxseed contains estrogen and if you want to remove man boobs, estrogen is the enemy!" I'm certain that you have heard that flaxseed is one of the best ways on how to remove gynecomastia naturally but you may be confused about using it because flaxseed contains estrogen albeit a plant source but it is still estrogen. So how can it be a way to treat gynecomastia naturally? We shall delve into this further below.

Health benefits of flaxseed

Before cotton became affordable, flax ( Linum usitatissimum) which is also known as linseed or linum, which has a fibrous stem was often woven into cloth and is still used even today in this manner despite the popularity of cotton clothing. But the oil which was produced from the seeds has been used medicinally for many thousands of years. It was not until about a thousand years ago that people actually started eating the seeds of this plant for health and well being. Flaxseed should be a part of a healthy lifestyle for many reasons which include but are not limited to;

• Cancer prevention (breast cancer in particular as well as prostate cancer)
• Diabetes management
• Lowering cholesterol levels naturally
• Lowering the risk of heart attack
• Lowering the risk of kidney disease
• Reducing hot flushes in menopaal women
• Aiding in weight management
• Etc

As you can see, flaxseed is an important nutrient but since you are reading this article, you have also heard that flaxseed is one of the best ways on how to remove gynecomastia naturally.

Flaxseed and gynecomastia

1. Lignans

The benefits of flaxseed for health and well-being is firstly tied to the lignans that they contain. Flaxseed are the richest source of lignans found in nature. Lignans are antioxidants which means that they help to prevent free radical damage to healthy cells which helps to reduce the risk of developing many of the chronic diseases previously discussed.

Another aspect of lignans is that in addition to antioxidant benefits, they also contain phyto (plant) estrogens, which mimic the action of the estrogen produced by the body but are less potent. Man boobs usually develop because you have excessive amounts of estrogen in your body. Estrogen which is the female hormone is normal to have in the male body but what is abnormal is when estrogen levels are higher than the normal levels.

This leads to the development of various female characteristics such as breasts in men. So if you are dealing with gynecomastia, more than likely you have excessive amounts of estrogen in your body. One way to fight this estrogen that is produced by the body is to fight it with the estrogen which is produced by certain plants such as flax. It sounds crazy but it makes sense once you think about it.

The estrogen produced by the body are powerful hormones whereas the estrogen produced by plants (phytoestrogen) are chemically weaker but are still able to bind to the estrogen receptors in the body and this helps to stop the effects on the body of the much stronger estrogen produced by the body which also allows excessive amounts of this much stronger estrogen to be eliminated from the body as the phytoestrogen replaces them. This is why flaxseed is commonly recommended as an effective method on how to remove gynecomatia naturally.

You have excessive amounts of estrogen in your body right now. But with the help of flaxseed, instead of having the chemically strong estrogen which is produced by the body wreaking havoc in your body, you replace the strong estrogen with the much weaker estrogen which can certainly help in your fight against gynecomastia.

2. Fiber

How are excess amounts of estrogen removed from the body? Fiber is the most important way to remove waste, toxins as well as excess estrogen from the body. You know what is an amazing source of fiber? Flaxseed. This is also one of the reasons that it is recommended for diabetes and weight loss management.

Flaxseed is a very rich source of a type of soluble fiber that is very beneficial for the body which is known as mucilage . This mucilage is also tied to the cholesterol lowering properties of flaxseed. Mucilage helps to move things along in the body but it requires a great deal of water so if you increase your fiber intake, you also need to increase your water intake to prevent fiber from getting "stuck" in your body.

3. Fatty acids

Omega-3 fatty acids have been noted to be very beneficial for men with gynecomastia because they aid in the production of testosterone. Many men with gynecomastia in addition to having excessive amounts of estrogen also have low levels of testosterone which is how these fatty acids can help. Plus, these essential fatty acids (EFAs) help reduce estrogen levels, which is one of the top reasons for the development of man boobs as mentioned earlier.

Guess what? The lignans contained in flaxseed are an excellent source of omega-3 fatty acids which not only help fight gynecomastia but also reduce the risk of heart disease, cancer and many other chronic diseases.

Using flaxseed for gynecomastia

1. Flaxseed oil

While flaxseed oil (which is easily perishable and needs to be refrigerated once opened) is very popular, you may want to go directly to the source (the seeds) because when you use flaxseed oil, you miss out on the all important fiber and the oil does not contain as much lignans, protein and minerals as you would find in the actual seeds.

2. Not whole seeds

Flaxseed is available in two varieties which are the brown flaxseed as well as golden flaxseed (which are also known as yellow flax) but these two varieties generally contain similar nutritional compositions.

While many people usually sprinkle whole flaxseed onto freshly baked bread or salads, it is impossible for the body to break down the whole seeds. If you eat whole flaxseed, the seeds will pass through your body undigested which will mean that you will miss out on the nutrient content of the seeds.

To get the full benefits of eating flaxseed, the seeds must be ground but do remember that ground (or milled) flaxseed turns rancid very quickly so do make sure to refrigerate any unused portion and throw away if any still remain uneaten after 30 days or so .

Because it goes rancid so fast, you may want to invest in a coffee grinder, spice grinder or other seed grinding tool so that you only grind the amount of seeds that you need for that particular day because whole seeds last a lot longer than milled flaxseed .

Ground flaxseed (flaxseed meal) will not last more than 30 days when stored in the refrigerator whereas whole flaxseed can last between 6 to 12 months or 1 to 2 years if you store it in the refrigerator.

Grind about two tablespoons of whole seeds daily and add it to hot or cold cereal, smoothies, oatmeal, salads, green juice, etc.

Safety concerns

Flaxseed is generally safe which is why it is highly recommended for a healthy lifestyle but do note that it contains a tiny amount of cyanide. This tiny amount of cyanide is not enough to cause harm to an adult but it can potentially harm a fetus or infant so avoid eating flaxseed if you are pregnant or nursing and also avoid giving it to children under the age of two.

The minute amount of cyanide in flaxseed is not harmful to most people as long as you consume the daily recommended amount of about two to three tablespoons of ground flaxseed. If this is scaring you off flaxseed, you should note that human tissue usually contains very small amounts of cyanide anyway which are constantly being metabolized, so flaxseed containing cyanide should not really be a cause for concern unless you eat the entire bag of flaxseed in one sitting! Also various other plants that are commonly ate such as cruciferous vegetables also contain small amounts of this poison.

Also remember that a tablespoon of flaxseed contains between 5 to 6 milligrams of cyanide but in order for cyanide to be harmful to an adult, you would need to consume at least 1,000 milligrams of this poison.

Like everything else in life, flaxseed can cause an allergic reaction in some people. If this occurs, reduce the amount eaten or stop eating flaxseed altogether.

Lastly, in some people, flaxseed can cause bloating as well as flatulence when they first start eating flaxseed. If this occurs, start with a a tablespoon or one tablespoon and gradually build up as the body builds up its tolerance.

How to Fix Error 0x8007045D

Many Windows users are encountering Windows error 0x8007045D. This problem usually occurs when you are trying to make backup of your computer data. Most of the times the corruption in Windows registry is the reason behind this error. To fix this error you will be ready to undertake a few steps that will be good for the health of your computer system and will absolutely help you in troubleshooting the said error.

Follow the steps stated below to solve the problem:

· Run Checkdsk
· Disable Security Services
· Cleanout Debris Files
· Shrink Disk Volume

Run Checkdsk

Error 0x8007045D can be fixed by running checkdsk scan. This scan helps you find the internal corruption in Windows. To run the checkdsk follow steps below:

1. Click Start
2. In search box type CMD and press Enter
3. Enter the following command in the command prompt Chkdsk / RX
NOTE: In the command X is used for drive letter
4. Press Enter
5. Hit Y to run a disk check when you restart your PC
6. Close all programs
7. Reboot your computer
8. Repeat the steps 1-5 to run the disk check for all drives
9. On completion of disk check for all drives re-run the backup process

Disable Security Services

If you are trying to make backup while running antivirus or firewall, this can prevent you from making backup and result in error 0x8007045D. So it's important that you should disable antivirus and firewall before starting the backup process. You can disable antivirus by following the steps given below:

1. Click on Start
2. Go to Programs
3. Click on Antivirus program to open it
4. Go to its settings
5. Disable antivirus

Cleanout Debris Files

Error 0x8007045D can occur if Windows registry gets corrupt. Registry stores all the details about the programs and applications in the form of keys. Errors in registry can be fixed by using Registry Cleaner and Repairing tool.

Shrink Disk Volume

Error 0x8007045D can be fixed using shrink disk volume technique. Follow these steps to run shrink disk option:

1. Open Disk Manager
2. Right-click the basic volume which you wish to shrink
3. Click on Shrink Volume
4. Follow the onscreen instructions

Experts Recommendation

To fix error 0x8007045D Many experts recommend using a good System Utilities software. It not only fixes errors in your system but also enhances the stability of your PC. The most important feature of such a software is the Registry cleaning power.