Praktyka wykazuje, że zadłużenie się w którymś z polskich banków może być jedną z dotkliwych decyzji w życiu. Jakie procenty? Ile wyniesie rata? Te i inne zagadnienia są ogromnie ważne w czasie wyboru kredytu. Czy musimy wobec tego osobiście odwiedzać banki, aby dostać na nie odpowiedzi? Na szczęście nie.

Kalkulator kredytu

Porównaj kredyty – info-kredytowe.pl serwis internetowy, który pozwala nam w szybki i wielokierunkowy sposób podejrzeć ofertę finansową krajowych instytucji bankowych. W serwisie wyszukamy odpowiedzi na w gruncie rzeczy każde nurtujące nas zagadnienia na temat tego, z jakimi obciążeniami płatniczymi wiąże się zapożyczenie w danej placówce.

Szczególną uwagę warto zwrócić na kalkulatory kredytowe. Można w serwisie przeprowadzić drobiazgową symulację kosztów kredytowych tak jak kredytów gotówkowych jak i mieszkaniowych czy kredytów samochodowych.

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Many things like an apple might have fallen on many heads but no one thought of gravitational force except Newton. The difference between great people and common folk like us is that we never think differently nor we analyze why something happens in a particular way only. Anyone who understands the basic fundamentals of a subject can answer all questions pertaining to the subject. If an individual sits at the end of the day and analyses all the activities including ones behavior, dealings, studies etc. and corrects all the faults everyday, he would become a perfect person in due course of time. I was interested in solving health problems by naturopathic ways without resorting to medicines. Even health issue like any problemcould be nipped in the bud andwould not pose threat. This does not mean that you should not consult a doctor. Following healthy life style, proper diet, right exercises and management of stress can keep you in excellent health.

Today there is literature available on every matter and people have become knowledgeable about health matters. However, inspite of this awareness, lot of us suffer from hypertension, cardiovascular disease, coronary artery disease, diabetes, arthritis, migraine, dementia, age related macular degeneration, backache etc, and we think that these are age related problems and we are destined to be victims of one  or more of them. I firmly believe thatwe need not suffer from any disease,not even fall sick. Every one like me, even at the age of 68 and above can have perfect lipid profile as good as a healthy person in twenties, not suffer from any of the above diseases, noteven fall sick for decades.Everything is possible by naturopathic methods but we are ignorant. It is not possible to reveal the simple secrets in this short article since I have covered all aspects in “Holistic healing – an alternative healthcare system.”  I would like to restrict myself to “Magnetic Acupuncture“ which has provided miraculous results although I would hesitate to use this phrase as many would suspect but I am being truthful since cures are there to verify and substantiated with proper hospital data’s.

 I was investigating all the naturopathic means to maintain good health and cure diseases. I had visited East Asian countries and got curios to find that by pricking needles one could cure many ailments. When World Health Organization approved acupuncture to cure backache, spondylitis, migraine etc. I decided to practice it to solve some problems but being a non- medico I had to refrain from using acupuncture. All the same Iattended a course in acupuncture along with doctors, conducted byDrGalia in April 98 at Dadar merely to understand whatacupuncture theory meant and how it could cure diseases.

Coming to the subject of using acupuncture, I was interested in practicing it as a hobby but due to regulations I was not in a position to fulfill my wish. I had read books written by few doctors on magnetic therapy but magnets used by them were of large size and did not serve the purpose. I used to carry out repairs of electrical instruments since we were taught user maintainer concept during our course in erstwhile Soviet Union. I found some small powerful magnets used in speakers and went to magnetic manufacturing factory in Borilvali and got addresses of multinational companies manufacturing these magnets since we had no technology available in India andfinally found an answer.  I stumbled upon an idea of using as non-invasive but more powerful means than needles, powerful miniature magnets of various sizes starting from the size of a grain but no less effective than needles. Basic principle was used from the book “Anatomy & Physiology for Nurses “chapter 22 Cerebrospinal Nervous System.  A nerve fibre possesses the power of conductivity and excitability. It is capable of receiving and responding to stimuli from some outside agent – for example the stimuli may be mechanical, electrical, chemical or physical, this gives rise to an impulse which is conductedalong the nerve fiber. A nerve impulse is always conducted along a Dendron to a cell and from a cell to axon. This is the law of forward conduction. An impulse may be passed along a series of neurons in this way. However, the agents mentioned in the book did not serve my purpose,

 I thought of an alternative, powerful agent – special miniature magnet having same effect as needle rather better agent than needle since it could remain on the meridian point for longer duration producing amazing results, over night cure in some ailments.I had to innovate as to which polarity could activate and which could retard and strength, size of magnet, their effect on the different meridians in acupuncture since there was no data available anywhere asneedles were used in the acupuncture course conducted at Dadar.

It gives me greatest satisfaction to state that cures which no allopthy treatment could produce, were achieved within shortest time. The secret is special type of magnets, power, polarity and some other hidden issues to maintain confidentiality. I would like to give few examples –

  1. A senior officer from Navyunderwent biopsy in a hospitalon the neck eruptions to investigate possibility of finding out whether it was malignant or non-malignant. Innately the incision was deep and resulted in restricted movement of his right hand. He was not able to lift his hand above shoulder level, eventhat to with difficulty. He tried all concerned medications, physiotherapy and all available means in the high tech hospital without result. He gave up and started carrying out all his activities by left hand in desperation. After few months when he discovered that I had cured few people, he expressed his intention to undergo my magnetic acupuncture therapy. I stuck the magnets with tape. Next day morning I received a call saying his right hand that was non-functional had become totally functional! It regained same mobility over night as existed before biopsy. There are necessary medical documents in the hospital. The concerned Commodore would vouch for what I have written.
  2. A senior Company Secretary known to Agriculture Minister Shard Pawar, Mr. Dalmiya and many dignitaries due to his extra ordinary knowledge was suffering from tennis elbow for many years. He had consulted few specialists in India and abroad but got no solution. When I was sitting in his office, he lifted his briefcase unintentionally and experienced pain. After confirming that he was not on any medication, I stuck magnets on the corresponding points. Next day morning he was trying desperately to contact me to say that his pain – tennis elbow problem was over!
  3. Captain, a pilot in Mumbai Port Trust, at the time of incident approached me and said his sister-in law was suffering from numbness of fingers of both hands. The fingers of both hands would remain stiff from morning till noon and she could not perform any work. I attached magnets with appropriate polarity, strength on the corresponding meridians of one hand only. He rang me up next day morning expressing his amazement stating the hand of his sister-in-law on which magnets were applied had become normal and the fingers of other hand were stiff! Then I applied magnets on both hands and fingers of both hands regained complete mobility!
  4. I treated my friend suffering from essential tremor. I applied the magnets to palm on one hand and tremor reduced by more than 50 -60 % in one sitting alone where as the tremor on other hand continued.

As mentioned above medical records and personnel are available for verification that could be checked. It is not possible to address all the health issues by above method alone. Functional Magnetic Resonance imaging has proved that acupuncture quietens the blood flow in part of the brain associated with the organ in pain with improved oxygen supply and this leads to clinically relevant benefits.  This modified method in acupuncture can solve many health problems without side effects at a minimal cost;hence this may be given wide publicity.

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At the outset, let me tell you that I am a naturopath and have succeeded in developing Holistic Healing system where the body’s immune system becomes impregnable, a veritable fortress. I have not had flu or any sickness in the last two decades. The number of times I have taken medicines during this time could be counted on the fingertips of one hand alone. I do not take even analgesic tablets since there is never a need. I firmly believe that all; including senior citizens like me can achieve the same level of physical fitness!

You can attain total health and free yourself from the shackles of cardio vascular disease, diabetes, arthritis, Alzheimer, Parkinson, cancer and even all types of flu including swine flu with minimum use of medication, rather cure is possible only when your immune system takes over the healing process and medicines are used sparingly in emergency.

 My conclusions are based on cutting edge studies, research done at premier institutions all over the world on thousands of people, different populations, races by health experts with M.D., Ph.D. degrees in medicine and personal implementation of these recommendations.

 Today it is considered normal for a person who has crossed the age of fifty to suffer from one or other health related problems like diabetes, cardiovascular disease, arthritis, back ache, asthma, cervicalspondylitiis, age related macular degeneration etc. These degenerative diseases can be put off by a decade or two, may be even more by adopting healthy life style. An ounce of prevention is better than pound of cure. The human body is blessed with millions of years of intelligence and our immune system, if made to function properly, is capable of defending against the above ‘degenerative diseases.’ Although many highly qualified doctors recommend integrated treatment (allopaty/homeopathy/ayurved and lifestyle changes) it is rarely practiced in reality. We are so much influenced by generally believed concept that any one recommending an alternative health care system is branded as a quack, spin-doctor, claims are treated as unsubstantiated, unreasonable, misleading, unlawful, false and dismissed outright.   

Strong immune system can virtually be ordered to inhabit in your body by following right naturopathic practices that cost very little.We have been fooled into believing that only high cost treatments prescribed by specialists can cure diseases. Thousands suffer from side effects ingestingmedicines all their life which poison their bodies beyond cure since they do not know that alternative / integrated health care could have cured them completely. Sometimesself-medication is worse than the disease. Headache induced by NSAID (non steroidal anti-inflammatory drugs) is a serious epidemic. In the early fifties and before, if a person had a heart attack or stroke, the chances of his survival were minimal or nil. It is true that medical science has succeeded in converting life threatening diseases into manageable chronic health problems. I would go one step further and prove that there is no need to come to a stage where life- threatening disease affects you. Even if you are already suffering from health problem, use medicines to tide over the situation and along with medicines use naturopathic ways to strengthen internal systems gradually to cast off the medicinal crutches since this gives you internal strength coming from within the body not by artificial means.Strong immune system can prevent any flu including H1N1, bird flu, chickungunya to habitat in human cells andhealth experts state that it can be prevented by simple precautions, use of GFSE and Vitamin D3.                  

Doctors advise caution against family history of any disease. Although hypertension is hereditary in my family, I am leading a healthy life at the age of 68 without any kind of medications although my piloting profession where I handle biggest ships in the most complicated channel and port is full of tension, irregular day andnight routine. I can do 800-1000 skip jumps nonstop, scaled down from 2500 without sign of arthritis. This proves that genetic predisposition to any disease can be overcome by observing proper life style. Research has proved that main cause of diseaseis enzymatic, nutritional and hormonal deficiencies to a great extent. Old age biomarkers like near sight, blood pressure, blood sugar, difficulty in hearing and lipid profile in my case are similar to those in a healthy person in twenties without taking any medicines. To be modest, everyone can simply be as healthy as I am!!!

Holistic Healing is based on reviving internal healing power to strengthen our immune system by comprehensive understanding and observance of proper diet, exercises, meditation and miniature magnetic acupuncture/pressure which I would explain later.  Our body’s miraculous healing process can be harnessed to bid goodbye to all the diseases. The detailed explanation on these three aspects has been given in my book. When Dr. Dean Ornish said medicine alone could not reduce heart attacks / stroke but you needed to change life style, it became a breaking news in the world which Yoga has been preaching for centuries!!! Answer to every health problem is not another pill and solution to every disease does not lie in new vaccine.

 Like a well-maintained machine, if all the organs (mitochondria – factories in cells) function properly degeneration of body can be delayed by decades. Oxygen deprived cells in the body are perfect sight for microorganisms, virus, harmful bacteria and germs.  Mosquitoes do not make water puddles but use them as habitat. A person cannot be diabetic, hypertensive, if proper nutrients, minerals, vitamins are available in the blood. When body has adequate stock of T killer cells, anti body producing B cells and natural killer cells, even cancer virus can’t survive in the body. For every disease body has a defense mechanism that includesAlzheimer’s and Parkinson. Our autoimmune system is on guard against invading agents 24 hours a day and seven days a week. There cannot be 9/11 or 26/11 in a vigilant body. I cannot describe all autoimmune functions in a short article but are you aware that body’s alert immune system causes apoptosis – surrounds and orders virus to commit suicide? A person suffering from serious disease is the result of lack of nutrition, exercise and hormonal balance.

 Understanding of diet, choice of right food to achieve maximum nutrients in least quantity to prevent obesity, rise in LDL (bad cholesterol), triglycerides(kind of bad fat),total cholesterol, atherosclerosis (hardening of arteries), increasing HDL (good cholesterol) are important factors. Many food items contain cancer-neutralizing nutrients. Not only cancer can be prevented but even cured by taking certain special foods, herbs and supplements. Arthritis can be simply overcome by certain supplements and medicines required only to tide over the serious conditions. Diabetes can be totally cured by right food alone. In short, all diseases can be not only prevented but also totally eradicated by naturopathic ways. In fact person who resorts to medicine sparingly, even a fraction of recommended dose produces miraculous results. Unfortunately mainstream medicine has hypnotized us so much that majority refuse to believe in integrated treatment.   

 I have innovated special miniature magnetic acupuncture therapy. Even World Health Organization says that acupuncture leads to clinically relevant benefits. My healing is combination of acupuncture, acupressure andsu-jok but more effective since miniature magnets remain on the points for long durations. I have selected special miniature magnets of the size of a grain whose magnetic field extends to a distance of   0.5 inch to activate these points. The secret of speedy cure is the selection of special rare earth elements in manufacturing these magnet, right polarity and power. Patients suffering from respiratory problems like asthma and others affected by numbness of limbs, tennis elbow got relief over night. A senior officer from Navy who had lost total movement of his right hand during biopsy in a hospitaland found norelief to all modern medical facilitieswas cured totally in shortest time. Necessary medical documents are available.  

 It is pertinent to mention two of the few cases where by resorting to holistic healing, a person on the verge of bypass by multipleblockages and another insulindependant diabetic man with postprandial reading of 400 were totally cured and neither of them needed medications thereafter. Simple basic principles were applied. Body resorts to” Reverse cholesterol process” by centripetal process using high-density lipoproteins (good cholesterol). The excess low-density lipoproteins (bad cholesterol) are excreted through kidney and colon. Ethylene diamine tetra-acetic acid used in Second World War to eliminate toxic gases (Chelation therapy) andserrapeptaze (amino acid) can perform miles better than bypass surgery or angioplasty This process cleanses all blood vessels but bypass or angioplasty tackle certain spots only necessitating repeated surgeries later.Normal response to such incidence by medicos is that few cases do not make a rule but I am confident every one following this therapy would get similar results.  

 Hypertension, cardiovascular problems, diabetes, arthritis can be totally prevented and also cured by health foods (serious cases must continue medication and follow doctors advice), herbs like pine bark tree extract, grape fruit seed extract, polycosanol, resveratrol in grapes, glucosinolates, isothiocinates, sulforaphanes, phenolick acid, ginkobiloba, mistle toe extract, sea weed combo, fenugreek, gymnemasylvestre, konjacmannon,  nopal cactus, bitter melon, walnuts, almonds, omega 3 fatty acids, quercitins, flax seeds, salba, variety of fruits, several vitamins,  minerals etc. ( list is endless ). One should know the food sources and proper use. The simple secret of perfect health is that I have found right combination of various nutrients in day today food intake that any ordinary individual can follow.             

I corrected my distance and near vision by naturopathic methods at the age of 60! I am sure children would never have to use spectacles neither they would visit a dental chair or would ever suffer from any disease like heart disease, diabetes, even cancer in their future life by observing naturopathic ways. 

 Anyone who follows the basic principles of healthy life style, Holistic Healing- alternative healthcare system would be able to attain disease free total heath. The health of child is determined in the womb of a mother feeding right diet and stress free conditions.We are on the doorstep of extending our life expectancy by a decade or more!!! 

(Caution – Information on this site is correct and accurate to the best of knowledge of the author and should not be construed as personal medical advice. Reader should consult appropriate health professional in case of serious health issue. Author is not responsible for any error or omission.)

 

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I have been researching great thinkers and how they have shaped the world. I have also been trying to prove that the act of reading helps to generate or even stimulate great ideas. Great thinkers do not operate within a vacuum, they rely on the works of others, and often expand the original thought and take the world further. Charles Darwin and British biologist Alfred Russel Wallace independently arrived at similar theories of Natural Selection in the mid-1800s after reading Essay on the Principle of Population by British pastor Thomas Malthus.

Darwin defines natural selection as the “preservation of favourable variations and the rejection of injurious variation.” So what does this all mean? Darwin further adds, “Variations neither useful nor injurious would not be affected by natural selection, and would be left a fluctuating element, as perhaps we see in the species called polymorphic… Natural selection can act only by taking advantage of slight variations; she can never take a leap, but must advance by the shortest steps.”

This book wasn’t the easiest to read, and I found it quite “dry”. But, in my quest to find out where really good ideas come from, I made the sacrifice and slogged through it. I have selected fives ideas from On Natural Selection. For the five ideas below, how can you use them in different contexts to resolve/understand modern day problems?

Five Good Ideas

When a plant or animal is placed in a new country amongst new competitors, though the climate may be exactly the same as its former home, yet the conditions of its life will generally be changed in an essential manner. If we wished to increase its average numbers in its new home, we should have to modify it in a different way to what we should have done in its native country; for we should have to give it some advantage over a different set of competitors or enemies. Individuals having any advantage, however slight, over others, would have the best chance of surviving and of procreating their kind When a species, owing to highly favourable circumstances, increases inordinately in numbers in a small tract, epidemics often ensue The more diversified the descendants from any one species become in structure, constitution, and habits, by so much will they be better enabled to seize on many and widely diversified places in the polity of nature, and so be enabled to increase in numbers Natural selection is working behind the scenes all the time throughout the world whenever the opportunity arises. It works to improve each organic being in relation to its organic and inorganic conditions of life. You cannot see these slow changes taking place, until after a long period of time has elapsed, we see that the forms of life are now different from what they formerly were

We could take idea number two and look at it in the context of education. It’s a reasonable assumption to make that people who are more educated have a better chance of succeeding than those who have less education. Or, for that same idea, we could say, someone who has an idea and knows how to take action, will be more successful than someone who has ideas but do nothing about them. Success in this context is not restricted to financial success. Why don’t you take one of the above five ideas and see what new ideas you can generate?

I recommend On Natural Selection because I am sure that you will come up with your own five ideas. This is not a book that you would read for entertainment, but it will certainly stretch you.

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The national unemployment rate for Canada in August was 7.3%. Though it’s lower than the whopping 9.1% south of the border, it is still cause for concern, because the jobless rates vary widely between provinces within Canada. The highest rate of unemployment is in Newfoundland and Labrador, at 13.7%; the lowest, in Saskatchewan, is at 4.5% (with the rest of the provinces falling somewhere in between). That’s a difference of 9.2%, and people have been paying attention to it.

According to the data, Saskatchewan, Alberta, and Manitoba are the places to be if you want a good chance of finding a job. These three Prairie Provinces are seeing greater immigration specifically for this reason. As their respective economies are booming and expected to grow at an even faster rate in the future, the provinces are quickly becoming home to Canadians from out of the province.

Not only that, but the provinces are also boasting stable housing prices and higher wages than anywhere else in Canada. What’s not to like? As countless Canadians have found, opportunities and benefits abound in these provinces, which is strong enough reason to migrate there. In fact, the main source of migrating job seekers turns out to be Ontario, and this makes sense. As a greater proportion of Canada’s population is in Toronto (a population that is highly educated and a city that has fierce competition for jobs), one can imagine that the city’s unemployed would be the first to strike out and move to a different province and a different city. This is not, of course, discounting the inhabitants of other Ontario cities, who certainly contribute to the Great Brain Train, as well.

And while it’s all well and good that the job opportunities are there for the taking, the provinces may not have the infrastructure necessary to handle a swell in their respective populations. Alberta, for instance, is on its way to beating a record last set in 2006 for the highest annual pace for net interprovincial migration. With larger (and growing) influxes of workers, however, must come a shift in the direction of institutional growth. The provinces will have to build new hospitals, schools, houses, and other such resources. They will also experience social pressures in addition to the institutional ones. The Prairies will just have to step up to the challenge; their economic future depends on it, as does the future of their denizens.

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