20130309

Small habits can reap big benefits


According to a new book, just a few small lifestyle changes can make you happier and healthier

Good health: regular yoga sessions can work wonders
Good health: regular yoga sessions can work wonders 
Were you relieved to learn that simply getting up from your desk regularly is more effective than vigorous gym routines at preventing type 2 diabetes, according to research reported last week? If so, you’ll love the energy guru Oliver Gray’s theory that good health is all about sweating the small stuff.
Like the University of Leicester experts – who found that reducing sitting time by 90 minutes per day, just by getting up more often, could lead to important health benefits (including reduced cholesterol and blood sugar levels) – Oliver recommends thoughtful, albeit tiny, adjustments to our daily routines to boost energy and improve quality of life.
Oliver, who has just written a book Energise You (energiseyou.com), explains: “Changing your daily habits can be hugely significant – but not painful. For example, people get put off exercise when they connect it to hour-long sessions in the gym. But being active at home is just as powerful. You need to move around as much as possible – about five minutes every half-hour is manageable.”
He adds: “Try to do something every morning – a 20-minute walk or a
20-minute yoga session. Research shows that people who exercise in the morning are much more consistent exercisers long-term. Once the day gets under way, it is easier to get distracted.”
This is just one of Oliver’s golden rules. The others include having a light evening meal: “If you eat a big portion in the evening you don’t digest it so well, so sleep is affected” – and staying away from technology for at least an hour before bed.
“Modern computers are very stimulating to the nervous system, so you are less likely to get a good night’s rest. I also suggest 'early to bed, early to rise’ at least four times a week. Between 10pm and 1.30am is when the best sleep happens.”
Oliver points out that a good night’s sleep means you can get up earlier, creating more time to have a healthy breakfast and perhaps take that 20-minute walk. “It sets up a virtuous cycle and a positive energy flow; it kick-starts the day.”
One of his favourite tips – others will be dispensed at the Vitality Show in London on March 22 at an energy workshop – is drinking Matcha green tea from Japan, which contains 137 times the antioxidants of regular green tea, plus the amino acids theophylline and L-Theanine, which can stimulate the brain, helping concentration. Oliver suggests you drink Matcha as part of a “super hydration” routine. “You need to get lots of liquid every day, principally from water and herbal tea, for optimum health.”
When it comes to food, he recommends replacing fast-release carbohydrates such as white bread and pasta with slow-release carbs such as oats or quinoa, and green vegetables. Combine this with protein for a three to four hour energy boost.
Meanwhile, if you’re reading this article while also checking your emails and perhaps completing a quick manicure, stop. Oliver warns that everyone (especially women) multitasks too much these days. What was a talent is now information overload. “Do one thing at a time well,” he cautions. So don’t get disrupted.
And do take a tech break at lunchtime. Leave your screen and move about. Don’t take your BlackBerry with you.
“We spend the whole day near a screen – on the phone, iPad, TV, or PC. Unglue yourself a bit. Steal back some time and space,” Oliver says.
“Improve your health and energy levels with small changes. Try to start three new good habits a month, and you’re on the right track.”
The telegraph.

Small habits can reap big benefits


According to a new book, just a few small lifestyle changes can make you happier and healthier

Good health: regular yoga sessions can work wonders
Good health: regular yoga sessions can work wonders 
Were you relieved to learn that simply getting up from your desk regularly is more effective than vigorous gym routines at preventing type 2 diabetes, according to research reported last week? If so, you’ll love the energy guru Oliver Gray’s theory that good health is all about sweating the small stuff.
Like the University of Leicester experts – who found that reducing sitting time by 90 minutes per day, just by getting up more often, could lead to important health benefits (including reduced cholesterol and blood sugar levels) – Oliver recommends thoughtful, albeit tiny, adjustments to our daily routines to boost energy and improve quality of life.
Oliver, who has just written a book Energise You (energiseyou.com), explains: “Changing your daily habits can be hugely significant – but not painful. For example, people get put off exercise when they connect it to hour-long sessions in the gym. But being active at home is just as powerful. You need to move around as much as possible – about five minutes every half-hour is manageable.”
He adds: “Try to do something every morning – a 20-minute walk or a
20-minute yoga session. Research shows that people who exercise in the morning are much more consistent exercisers long-term. Once the day gets under way, it is easier to get distracted.”
This is just one of Oliver’s golden rules. The others include having a light evening meal: “If you eat a big portion in the evening you don’t digest it so well, so sleep is affected” – and staying away from technology for at least an hour before bed.
“Modern computers are very stimulating to the nervous system, so you are less likely to get a good night’s rest. I also suggest 'early to bed, early to rise’ at least four times a week. Between 10pm and 1.30am is when the best sleep happens.”
Oliver points out that a good night’s sleep means you can get up earlier, creating more time to have a healthy breakfast and perhaps take that 20-minute walk. “It sets up a virtuous cycle and a positive energy flow; it kick-starts the day.”
One of his favourite tips – others will be dispensed at the Vitality Show in London on March 22 at an energy workshop – is drinking Matcha green tea from Japan, which contains 137 times the antioxidants of regular green tea, plus the amino acids theophylline and L-Theanine, which can stimulate the brain, helping concentration. Oliver suggests you drink Matcha as part of a “super hydration” routine. “You need to get lots of liquid every day, principally from water and herbal tea, for optimum health.”
When it comes to food, he recommends replacing fast-release carbohydrates such as white bread and pasta with slow-release carbs such as oats or quinoa, and green vegetables. Combine this with protein for a three to four hour energy boost.
Meanwhile, if you’re reading this article while also checking your emails and perhaps completing a quick manicure, stop. Oliver warns that everyone (especially women) multitasks too much these days. What was a talent is now information overload. “Do one thing at a time well,” he cautions. So don’t get disrupted.
And do take a tech break at lunchtime. Leave your screen and move about. Don’t take your BlackBerry with you.
“We spend the whole day near a screen – on the phone, iPad, TV, or PC. Unglue yourself a bit. Steal back some time and space,” Oliver says.
“Improve your health and energy levels with small changes. Try to start three new good habits a month, and you’re on the right track.”
The telegraph.

20130307

Weather idiom: soggy


Soggy= thoroughly wet (empapado)
Tomatoes make sandwiches soggy.
I forgot my umbrella today, and now my jacket is really soggy.
There’s a hole in my shoe, so my socks are really soggy.

Weather idiom: soggy


Soggy= thoroughly wet (empapado)
Tomatoes make sandwiches soggy.
I forgot my umbrella today, and now my jacket is really soggy.
There’s a hole in my shoe, so my socks are really soggy.

Ten scams on the rise in 2013


Ten scams on the rise in 2013

From "truancy fraud" to "romance scams", we round up the new ruses conmen have devised to rip you off.

Recent figures from the National Fraud Authority show that the total lost to individuals from fraud and other scams is more than £6bn a year
Recent figures from the National Fraud Authority show that the total lost to individuals from fraud and other scams is more than £6bn a year. Photo: Alamy
There is one industry that is growing rapidly: financial scams. These range from the sophisticated to the downright weird – but all have the same aim: to relieve you of your money.
Recent figures from the National Fraud Authority show that the total lost to individuals from fraud and other scams is more than £6bn a year. Here are our top 10 scams to watch out for this year.
The weekly money newsletter will warn of more scams: Sign up for free.
1 Rare metals
Rare earth metals are chemical elements such as scandium and yttrium which are used in the manufacture of computers and phones. The Financial Services Authority (FSA) warns that companies are using high-pressure sales tactics and are targeting vulnerable customers out of the blue who are often told that supply of these metals is falling, causing prices to rise.
The FSA said it had “yet to see any convincing evidence that there is a viable market for investors to make money from investments in rare earth metals”. It says that manufacturers using these metals buy in quantity: so they are not likely to want to buy from small independent companies.
2 Pension liberation fraud
Victims are told they can release their pension funds built up before they reach 55 years old. The Pensions Regulator warns that accessing pension savings before minimum pension age is only possible in rare cases, such as terminal illness. It says that entering into a pension liberation scheme “can be fraudulent where individuals are not informed, or are misled, as to the consequences of entering into one of these schemes”.
It says these schemes can result in tax charges and penalties of more than half the value of a member’s pension savings – and victims are seldom told about these costs. It is possible to get 25pc from your pension as tax-free cash. For more information see pages 8 and 9.
3 Mobility aids
Scams targeting elderly people have raked in more than £28m in three years. The Insolvency Service said that around 2,000 elderly people were victims of scams ranging from dodgy investments to companies selling unsuitable or overpriced mobility scooters and stairlifts.
The scam involves selling these aids on the telephone or at home to elderly people with salesmen not coming off the phone until the sale is closed. These scams can be avoided by only dealing with reputable companies which do not pressurise clients and allow them the chance to consider a deal before paying up.
4 Dodgy job offers
This scam involves victims being attracted by fake job offers which effectively turn them into money launderers. Financial Fraud Action UK says the offers use titles such as “money transfer agent” or “payment processing agent”. Those who succumb become “money mules”. They are told to receive money into their bank accounts and to transfer it to another, taking a cut themselves.
The money involved is often stolen and the mules are laundering it to overseas accounts.
5 Lotteries
Lottery scams remain common, according to Which?, the consumer group. One of the scams seen by Which? purported to come from the International Monetary Fund, which promised the recipient $8m if they paid £960 to release the funds. It’s easy to tell a lottery scam. You have to buy a ticket to have a chance of winning a lottery. If you haven’t, you can’t win.
6 Truancy fraud
Essex County Council warned last month that a parent of a pupil in one of its schools received a phone call purporting to be from the Education Welfare Service. The parent was told that as their child had not attended school that day they would be fined £340 and they were asked to give their card details over the phone.
The council pointed out that the Education Welfare Service does not phone parents demanding payment over the phone: it sends penalty notices by post and it would not phone parents demanding immediate payment.
7 Wine scams
These are a growing concern, says the Insolvency Service. According to Decanter magazine, scammers posing as buyers have attempted to defraud suppliers of around £1.6m since May 2011.
And individuals have also been hit by scammers selling en primeur – wine that is still in the barrel. Victims are told they are buying wine at this stage because it will rise in value by fraudsters posing as wine merchants. But the wine doesn’t exist, and the victims are left out of pocket.
8 Love
According to Action Fraud, there is an increase in romance scams. It has had more than 1,000 reports in the past 12 months from those who believe they have found love online but have actually become victims of criminals who want to relieve them of their money. The typical victim has been conned out of £21,600.
This scam works when those involved hand over useful personal and financial details about themselves to people they have fallen for online. Anyone looking for love online should watch out for warning signs (such as too much interest in your personal details).
9 Landbanking
This involves companies which divide land up into smaller plots to sell to cold-called investors on the basis that once the land becomes available for development, it will rise in value. But the FSA said the land is often in areas of natural beauty or historical interest and there is little chance of it being built on.
One plot of land recently sold was on a site of special scientific interest; another was on a slope too steep to be built on. The FSA said landbanking schemes had cost investors up to £200m.
10 Carbon credit trading
Carbon credits are certificates or permits which represent the right to emit one ton of carbon dioxide, and they can be traded. Carbon credit trading involves cold callers targeting investors to buy into the “new big thing” in commodity trading because industries have to offset their emissions.
Carbon credits can be sold and traded legitimately, and the FSA pointed out that there were many reputable firms operating in the sector. Investors might find they cannot sell their investment or get a competitive rate because they only have a few credits to trade.

The Telegraph

Ten scams on the rise in 2013


Ten scams on the rise in 2013

From "truancy fraud" to "romance scams", we round up the new ruses conmen have devised to rip you off.

Recent figures from the National Fraud Authority show that the total lost to individuals from fraud and other scams is more than £6bn a year
Recent figures from the National Fraud Authority show that the total lost to individuals from fraud and other scams is more than £6bn a year. Photo: Alamy
There is one industry that is growing rapidly: financial scams. These range from the sophisticated to the downright weird – but all have the same aim: to relieve you of your money.
Recent figures from the National Fraud Authority show that the total lost to individuals from fraud and other scams is more than £6bn a year. Here are our top 10 scams to watch out for this year.
The weekly money newsletter will warn of more scams: Sign up for free.
1 Rare metals
Rare earth metals are chemical elements such as scandium and yttrium which are used in the manufacture of computers and phones. The Financial Services Authority (FSA) warns that companies are using high-pressure sales tactics and are targeting vulnerable customers out of the blue who are often told that supply of these metals is falling, causing prices to rise.
The FSA said it had “yet to see any convincing evidence that there is a viable market for investors to make money from investments in rare earth metals”. It says that manufacturers using these metals buy in quantity: so they are not likely to want to buy from small independent companies.
2 Pension liberation fraud
Victims are told they can release their pension funds built up before they reach 55 years old. The Pensions Regulator warns that accessing pension savings before minimum pension age is only possible in rare cases, such as terminal illness. It says that entering into a pension liberation scheme “can be fraudulent where individuals are not informed, or are misled, as to the consequences of entering into one of these schemes”.
It says these schemes can result in tax charges and penalties of more than half the value of a member’s pension savings – and victims are seldom told about these costs. It is possible to get 25pc from your pension as tax-free cash. For more information see pages 8 and 9.
3 Mobility aids
Scams targeting elderly people have raked in more than £28m in three years. The Insolvency Service said that around 2,000 elderly people were victims of scams ranging from dodgy investments to companies selling unsuitable or overpriced mobility scooters and stairlifts.
The scam involves selling these aids on the telephone or at home to elderly people with salesmen not coming off the phone until the sale is closed. These scams can be avoided by only dealing with reputable companies which do not pressurise clients and allow them the chance to consider a deal before paying up.
4 Dodgy job offers
This scam involves victims being attracted by fake job offers which effectively turn them into money launderers. Financial Fraud Action UK says the offers use titles such as “money transfer agent” or “payment processing agent”. Those who succumb become “money mules”. They are told to receive money into their bank accounts and to transfer it to another, taking a cut themselves.
The money involved is often stolen and the mules are laundering it to overseas accounts.
5 Lotteries
Lottery scams remain common, according to Which?, the consumer group. One of the scams seen by Which? purported to come from the International Monetary Fund, which promised the recipient $8m if they paid £960 to release the funds. It’s easy to tell a lottery scam. You have to buy a ticket to have a chance of winning a lottery. If you haven’t, you can’t win.
6 Truancy fraud
Essex County Council warned last month that a parent of a pupil in one of its schools received a phone call purporting to be from the Education Welfare Service. The parent was told that as their child had not attended school that day they would be fined £340 and they were asked to give their card details over the phone.
The council pointed out that the Education Welfare Service does not phone parents demanding payment over the phone: it sends penalty notices by post and it would not phone parents demanding immediate payment.
7 Wine scams
These are a growing concern, says the Insolvency Service. According to Decanter magazine, scammers posing as buyers have attempted to defraud suppliers of around £1.6m since May 2011.
And individuals have also been hit by scammers selling en primeur – wine that is still in the barrel. Victims are told they are buying wine at this stage because it will rise in value by fraudsters posing as wine merchants. But the wine doesn’t exist, and the victims are left out of pocket.
8 Love
According to Action Fraud, there is an increase in romance scams. It has had more than 1,000 reports in the past 12 months from those who believe they have found love online but have actually become victims of criminals who want to relieve them of their money. The typical victim has been conned out of £21,600.
This scam works when those involved hand over useful personal and financial details about themselves to people they have fallen for online. Anyone looking for love online should watch out for warning signs (such as too much interest in your personal details).
9 Landbanking
This involves companies which divide land up into smaller plots to sell to cold-called investors on the basis that once the land becomes available for development, it will rise in value. But the FSA said the land is often in areas of natural beauty or historical interest and there is little chance of it being built on.
One plot of land recently sold was on a site of special scientific interest; another was on a slope too steep to be built on. The FSA said landbanking schemes had cost investors up to £200m.
10 Carbon credit trading
Carbon credits are certificates or permits which represent the right to emit one ton of carbon dioxide, and they can be traded. Carbon credit trading involves cold callers targeting investors to buy into the “new big thing” in commodity trading because industries have to offset their emissions.
Carbon credits can be sold and traded legitimately, and the FSA pointed out that there were many reputable firms operating in the sector. Investors might find they cannot sell their investment or get a competitive rate because they only have a few credits to trade.

The Telegraph

US warns Catalan government about proposed “Coca-Cola tax”


Despite lobbying by ambassador to ditch the levy, premier Artur Mas remains inflexible.

The tax on sugary beverages proposed by the government of Catalonia has mobilized the US Embassy in Spain. United States Ambassador Alan D. Solomont of Madrid met with Catalan regional premier Arthur Mas in Barcelona to discuss the potential impact on American beverage companies, primarily Coca-Cola and Pepsi. Solomont has stated that this levy would be detrimental for these US companies in Catalonia, considering the fact that Coca-Cola and Pepsi hold a combined 70 percent of the soda market. Neither the embassy nor sources surrounding Mas commented on the meeting’s conclusions, which were not publicized.