Pennsylvania Car Insurance Shopper’s Guide – PA Auto Insurance Basics

How does one find the best Pennsylvania car insurance? What are some of the cheapest auto insurance companies in Pennsylvania? What are the PA minimum auto insurance coverage requirements? What are some things to look for when comparing Pennsylvania car insurance rates? How does one find Pennsylvania rental car insurance – and should it even be purchased in the first place? These are all key questions for PA residents that are of legal driving age. Read on to learn some of the PA auto insurance basics and see if maybe you can end up saving yourself some money in the process!Pennsylvania No Fault Auto Insurance LawsThe state of Pennsylvania uses a no-fault system in regards to car accidents. This means that your insurance company will pay your injury claim regardless of who was at fault in the event of an accident. Since no-fault laws vary from state to state and can change over the years, you might want to call or visit the website of the Pennsylvania Department of Insurance if you have any questions.PA Car Insurance Minimum Coverage RequirementsUnder Pennsylvania law, you are required to have bodily injury coverage in a minimum amount of $15,000 per person, up to $30,000 per accident. Bodily injury insurance will cover such things as medical expenses, lost wages, pain and suffering, and any legal defense costs you may incur as a result of an accident.Pennsylvania also requires that you carry a minimum of $5,000 worth of property damage liability car insurance. Property damage coverage will pay for damage to another person’s property such as a fence, house, or car, as well as any legal costs that may arise from that damage.Personal injury protection, or PIP, is required by Pennsylvania state law as well. There are different levels of personal injury coverage available, but the minimum amount required is $5,000. Pennsylvania calls the minimum amount required First Party Benefits-Medical. If you are in an accident, this coverage will pay for related medical and surgical expenses, rehabilitative services, such as physical therapy, any necessary dental, psychiatric, and optometric expenses, ambulance and nursing services, and required medications, medical supplies and prosthetic devices. The policy will only provide benefits to you, any other drivers listed on the policy, and any relatives living in the same home as you.

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PA Tort LawsIn Pennsylvania, you must choose a tort option. A tort option defines your right to compensation if you, or any members of your household, are injured by another driver in a car accident.The limited right to recover damages, or limited tort, provides limited benefits. While you will be covered for all medical and other expenses as a result of an accident, you will not be able to receive compensation for pain and suffering, or other non-monetary damages unless your injuries are serious, such as a life long disability or death. If you choose the limited tort option, your premiums for property damage, full first party benefits, and income loss coverage will be lower than if you choose the full tort option.If you opt for the full tort coverage, your rights to recover financial compensation are not restricted. Under full tort, not only will you and other members of your family be able to recover damages for medical and other expenses, but you can seek full financial compensation for pain and suffering, and other damages for injuries you received that were caused by another driver in an accident. If you choose the limited tort option, your premiums for property damage, full first party benefits, and income loss coverage will not be reduced.Optional PA Auto Insurance Coverage Optional liability coverage in Pennsylvania includes first party extraordinary medical coverage. This type of coverage may give you and any members of your family medical benefit coverage in an amount up to $1,000,000. If you choose this coverage, it will take effect once the limit for your medical expenses has been reached under your personal injury protection insurance.First party income loss coverage will pay you up to 80 percent of your lost earnings if you are unable to work after being injured in an accident. This coverage is limited to $2,500 per month with a cap of $50,000.You may also personal the optional first party accidental death car insurance coverage. This type of coverage will provide a death benefit of up to $25,000 if you or a member of your family living in your home dies from injuries sustained in an accident for a period of 2 years after the accident occurred. The $25,000 will only be paid to the designated beneficiary that you will name at the time you purchase this coverage.First party funeral coverage is another car insurance coverage option you can choose in the state of Pennsylvania. This policy will pay $2,500 toward any funeral expenses if you or a member of your family living in the same household dies as a result of a car accident.While not required under Pennsylvania law, you may want to also purchase uninsured/underinsured motorist (UM/UIM) bodily injury coverage. This will pay for any expenses such as medical, lost wages, injuries sustained in a hit-and-run, and other general damages in the event you are injured by another driver who is either underinsured or uninsured.You can also purchase the optional uninsured motorist bodily injury car stacking policy. This option will let you increase the limits for uninsured motorist bodily injury coverage. This coverage will, however, increase your car insurance premium.In addition to all the liability insurance options available in Pennsylvania, you may want to purchase some type of vehicle coverage such as collision, comprehensive, emergency road service, rental car limits, loan/lease gap coverage, and customized equipment policies.Collision coverage will pay for repair or replacement cost of your car if it has struck another car, object, or has rolled over. Collision coverage cannot be purchased without purchasing comprehensive coverage as well.Comprehensive coverage will pay for damage from such things as falling objects, fire, certain natural disasters, vandalism, theft, glass damage, and damage caused if you hit an animal.If you have a loan on your car, or lease your car, the bank or other financial institution may require you to have both collision and comprehensive coverage on your car.Customized equipment coverage will pay for any special equipment permanently installed on your car, truck, or van such as running boards, brush bars, roll bars, fog lights, bed liners, etc. You can only purchase customized equipment coverage if you have both comprehensive and collision coverage as well.The optional loan/lease gap insurance available in Pennsylvania will cover the actual cash value of you car at the time of loss, and any greater amount owed at the time of the loss, if your car gets damaged in an accident. This does not include any deductible, unpaid finance charges, excess mileage, or wear and tear charges, and any payment under this type of coverage will not exceed 25 percent of the actual cash value of your car at the time of the loss.

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Pennsylvania High Risk Car Insurance The state of Pennsylvania also has an Assigned Risk Plan. This program offers high risk Pennsylvania car insurance to drivers who are not able to get certain types of coverage. You may need to use this plan because of your driving record, type of car you own, or if you have an unavailable motor vehicle record.Pennsylvania Rental Car InsuranceMany PA drivers agonize over whether they should purchase rental car insurance. While it is true that your regular PA auto insurance policy will travel with you and cover you even while driving a rental car it is important to make sure that your regular auto insurance policy has all of the coverage that you will want while driving the rental. For example, if you have a very bare bones regular Pennsylvania auto insurance policy then you may want to consider purchasing the rental car insurance.Finding The Cheapest Pennsylvania Auto Insurance CompanyWhile no one PA car insurance company is the cheapest for everyone it is certainly true that PA has a number of top auto insurance companies. Here is a listing of some of the best:AIGSF InsuranceAllstateEsuranceProgressive DirectGEICOLiberty MutualBe sure and compare rates from at least 5 different companies in order to find the best policy for your needs.Compare Pennsylvania Car Insurance Quotes OnlineWith all the options for car insurance available in Pennsylvania, it may be wise to shop around online for the best rates and coverage. You might want to do a side-by-side comparison of rates, and services available at several different car insurance companies. A little time and research may save you hundreds of dollars on your car insurance policy in the state of Pennsylvania.

Fresh College Graduates Should Find Health Insurance Products

On the off chance that you are among the a great many youthful grown-ups who simply moved on from school, the time has come to kick off your way to a future vocation. You might be somewhat terrified with numerous instabilities. While you are scanning for a decent and lucrative opening for work, you ought to discover medical coverage items that would cover your conceivable human services needs. Youngsters become ill as well.

While you are as yet cleaning your own resume and effectively surfing on the web work locales, you ought to consider taking minimal effort wellbeing arranges. It would benefit you to begin prior in putting resources into such necessities. Here are a few ways that could help you discover medical coverage items that are moderate and far reaching in the meantime.

Go For High-Deductible Health Care Insurance Plans

Yearly deductibles are sums to be carried before scope of an arrangement. Numerous wellbeing back up plans concocted distinctive deductible levels. All in all, the higher the deductible is, the lower the regularly scheduled installment would be. Pick an arrangement that accompanies a higher deductible. It doesn’t mean you are less secured. For example, crisis room visits could be costly. You could spare all the more even with a $4,000 deductible. It is simpler to acquire that sum as a deductible than to obtain $30,000 to cover the whole bill.

Consider Your Location

Regardless of whether you know or not, rates of restorative protections are fluctuating crosswise over various nations, states or urban communities. When all is said in done, nations or urban communities with higher typical cost for basic items have safety net providers that offer less expensive medicinal protection premiums. California in the US, for example, is among the most costly states to live in. Be that as it may, the premiums there are typically more moderate contrasted with those in different states in the nation. Controls that cover such items likewise have a tendency to contribute variables to estimating plans.

For one thing like you, it is astute to discover medical coverage items with here and now terminations. New graduates like you could select to buy arranges going on for only a year with the goal that you are as yet canvassed on the off chance that there would be any disease or harm. For the interim, the transient medicinal protection would positively benefit you. You could select to take a more drawn out term item when you get all the more fiscally steady.

Regardless of whether you are a crisp graduate or notArticle Submission, despite everything you have to practice common sense when finding and purchasing medical coverage items. You may even now not be monetarily steady as you may in any case be confronting robust understudy credits. There is no compelling reason to hazard causing a great many dollars owing debtors for any therapeutic issue you could have.

Male Organ Health Products

Looking for an item like squeezed orange is moderately simple. In the wake of settling on maybe a couple key choices including fixings and taste, a customer can waltz out of the store with a delectable drink that lattices splendidly with his or her most loved vodka. Looking for cozy items, then again, can be very troublesome for a few men. There are unreasonably numerous choices to consider with regards to items that can support male organ wellbeing, and a few men won’t not know how to separate one choice from another. This current purchaser’s guide may help, as it points of interest the traits of male organ wellbeing items that are perfect for any man.

Affectability Concerns

Male skin is generally protected, as it’s sequestered inside a texture sheath for the dominant part of every last day. Therefore, this skin can be somewhat delicate and able to blast into bothersome rashes when presented to unforgiving chemicals or serious aromas. There’s no compelling reason to search for items checked “hypoallergenic,” yet brutal aromas ought to be maintained a strategic distance from. Additionally, clearly, the items shouldn’t contain lumpy bits that could scour delicate skin.

Great decisions will accomplish more than wipe out the danger of harm, as they’ll contain fixings that can really enhance the wellbeing of skin. Commonly, emollients like Shea spread and Vitamin E will show up in the fixing list, alongside different vitamins that can feed skin cells back to great wellbeing.

Assimilation Rate

Items intended for cozy wellbeing are regularly connected topically, implying that a man is relied upon to slather on these items before he puts on any type of attire. While most men are usual to taking care of the bundle all the time, and they may even be familiar with certain pulling and pulling hand movements, these aren’t the sorts of developments that tend to bring about strong male organ wellbeing. Truth be told, a man who bounces out of the shower and is relied upon to work a thick cream into uncooperative skin may create:

Scraping bruises


Spots of delicacy

Waiting torment

At the point when the item just won’t retain, a smooth, oil-based spot may likewise start to spread in the front of a man’s jeans as the day advances. That stain may be difficult to clarify.

Online customers may think that its difficult to quantify the ingestion rate of the items they’re get ready to purchase, however perusing on the web audits could be useful. The individuals who do have an example available can spread a couple drops between the fingers and measure how rapidly the fluid appears to vanish. Those items that appear to blur away with speed may be better decisions, as they’re more averse to bring about issues amid the application procedure.

Export And Import Is Big Business

Many people cannot complete their dressing without the inclusion of fancy ornaments. Gemstones are made in a variety of designs and styles to suit the preferences of many customers. A lot of women mostly use gems to adorn themselves. However, fashion conscious men are joining them in the inclusion of adornments as part of their attire.

The market is full of suppliers who compete for customers by providing lower prices for the products. They also aim at making deliveries on time while considering the cost of shipping their products. Suppliers work with the retailers to find ways of reaching the customers in a personalized way.

There are both natural and synthetic gems in the market. Each of them can be used for the same purpose, but it is more satisfying to be the owner of a genuinely natural gem. The prices of these items vary with the synthetic ones being a bit cheaper. Buyers should thoroughly inspect the products on offer to ensure they are worth their money.

Sellers who have been in the business longer are better to deal with since they have a reputation to protect and they cannot afford to destroy it. Buy your products from a retailer who offers to replace the item if you are not satisfied with it within a given period of time. The price of precious metals like gold, silver and diamonds is dynamic. Look at the prevailing market rates so that you do not end up paying too much out of ignorance.

The items on sale in most of the jewelry shops around the globe are designed with the universal clientele in mind. However, customers can request their ornaments to be customized to their individual requirements. With the internet being accessible in many parts of the world, it is possible to buy the jewels from foreign retailers.

Individual preferences are not the same. Some people will opt for traditional designs while others will buy the more modern varieties of the jewels. All suppliers of the products have many items designed to be worn on various parts of the body. You will find necklaces, bracelets, rings, brooches and chains.

Due to the high competition and the risk of losing customers, players in the wholesale jewelry business put strong emphasis on customer satisfaction. They realize that the continuity of their trade relies on how well they treat their current clients. To get your item delivered on time, you will need to place an order several days in advance.

The Austrian Economics

The target of this article is to abridge the standards of financial aspects identified with the Austrian school of financial matters. The Austrian school started at the University of Vienna via Carl Menger. Today, the Austrian school speaks to an alternate point of view from the standard financial matters. The key standards of Austrian school are compressed underneath:

1-Menger was of view that Economics and physical sciences were very extraordinary in so far that the previous included human feelings, which are very hard to quantify, while the last included measurements which can be promptly measured.

2-The Austrian and Mainstream financial aspects have basic perspectives on Margin Utility. Individuals have a tendency to procure first what gives them the most extreme fulfillment; and surrender first what gives them the slightest fulfillment. The estimation of Margin Utility is profoundly subjective and can’t be evaluated effectively. It shifts starting with one individual then onto the next.

3-Friedrich Hyek and Ludwig Von Mises contended that the blasts and busts start because of infusion of cash by the strategy creators. Driven by covetousness, the speculators settle on venture choices. At the point when cash is pulled back and financial specialists acknowledge about wrong speculation choices, customers pull back and the simulated blast breakdown. The state and society may not be appropriate in deciding. The individual would settle on decisions and choices. Along these lines it is significant to see how people settle on their decisions (choices). Financial aspects is exceptionally subjective and is unique in relation to different sciences in so far we can’t make coordinate estimations in financial matters. Every financial choice are inherently subjective and rely on upon the observation and estimations of people.

4-Markets are in a persistent condition of flux. The market performing artists take a stab at rivalry to distinguish holes, fill these requirements and make benefits. Rivalry is a constant procedure of revelation.

5-Production can’t be re-utilized as a part of most cases and changes sought after can influence the creation procedure generously. Creation is naturally very hazardous.

6-Inflation is unsafe for monetary security. Cash resembles a ware. In the event that the administration courses more cash in the economy, its esteem plunges with the net aftereffect of general increment in the value level. The administration and Central Banks by pumping excessively cash would bring impermanent blasts as it were. At the point when things get settled down, the economy withdraws back to the genuine harmony however with more prominent level of swelling.

7-Government mediation is not advocated, regardless of the possibility that it is well meaning. Government can’t find out exact data at certain purpose of time. To begin with on the grounds that people continue changing their arrangements and second it turns out to be very extraordinary to peruse the psyche and conduct of people. The administration regularly makes wrong judgments and contorts balance, which can’t be unmistakable to the arrangement producers because of unpredictability of constantly changing human view of qualities.

8-Society in general does not have its own aggregate personality or reason. The people have their own particular free personalities and not society fundamentally. Monetary occasions radiate from these individual choices. It is a direct result of the accentuation of the Austrian financial matters on individual choices that they don’t give much significance to macroeconomics.

9-Low financing costs, sadly, fuel credit-blasts that would propel speculators to put resources into wrong places. At the point when the air pocket blasts, the waste in the venture procedure ends up noticeably self-evident. Besides with lower loan costs individuals have a tendency to get more from banks, once in a while past their ability. The fragmentary hold managing an account framework fortifies this marvel. At the point when the fake patterns are switched, the economy contracts and moves into subsidence.

10-According to Austrian financial specialists, swelling is not characterized as far as rising cost level but rather as far as expanding cash supply. They utilize the term of “inflationary extension” for the most part activated by the administration arrangements. Most critical, the Austrian market analysts trust that the ascent of value file is not exact gauge of swelling in the economy. Value file is dictated by the decision of fundamental wicker bin of merchandise. This decision is self-assertive and will deliver distinctive outcomes. One arrangement could be to peg dollar to a product like gold. Sadly this is not a viable arrangement due to “restricted sum” of gold on the planet. Hayek had recommended the possibility of rivalry among monetary forms. It is less demanding said than done. Governments and national banks before the finish of day will practice tight controls to overcome the thoughts of contending monetary standards.

To finish up, the Austrian school is more centered around individual conduct and decisions. It doesn’t bolster macroeconomic intercessions by the administrations, in any event in the Keynesian feeling of fiscal arrangement administration, to keep loan fees low for a drawn out stretch of time (as occurred in the US since 2006). This manufactured hosing of rates would in the long run fuel transitory credit blasts prone to be busted at some stage. The final product is only downturn in the economy, this time maybe went with taking off costs.

Luxury and Cheap Boutique Hotels in Athens

“Boutique hotel” is a term popularized in the United Kingdom and North America to describe warm, luxurious or original hotel environments. Boutique hotels differ themselves from larger chain or branded hotels to motels and providing personalized accommodations as well as services or facilities.

Magna Grecia

Magna Grecia boutique hotel in Athens is a member of the great small hotels in the world. This boutique hotel in Athens was originally designed by the German Architect Ernest Schiller in 1898. The architectural philosophy of that era reflected after its renovations, showcasing high ceilings and wooden floors tinted with original paintings.

These renovations seem to have merged all the amenities and the comforts that modern travelers are expecting. The hotel’s warm hospitality and attentive services will definitely make your business or leisure stay in Athens extremely satisfying.

Some of the amenities that the hotel offers are a mini bar, complimentary breakfast with views of the Acropolis. Rooms have safe boxes, color televisions, private DVD players, wireless Internet access and many more.

To make reservations in this fine unique boutique hotel in Athens, simply dial +30 210 3240314-5. You can also send a fax at +30 210 3240317.

Acropolis Museum Boutique Hotel

This boutique hotel in Athens combines high quality services with its location in one of the finest parts of Athens. Housed in a classical building which was completely renovated in 2007, it features 22 charming rooms divided into 3 floors. It is situated just a few steps away from the Acropolis. It is also adjacent to the Acropolis museum.

The hotel’s reception desk can assist you with city maps and guides, tourist information and even give suggestions for exploring the historic area of Athens. With only a handful of rooms, definitely, the staff’s attention to your every need and desire will make you feel pampered and relaxed. Acropolis Museum staff will make sure that everything is taken cared of for you, especially when it comes to your travel arrangements to and from the airport. They also provide organized sight-seeing, transportation arrangements, restaurant recommendations and reservations.

Making a reservation on this boutique hotel in Athens is surely one way to experience a great accommodation and warm hospitality. To do it, contact +30 210 9249050 – 1 or send a fax at +30 210 9249052.

Athens Art Hotel

Athens Art Hotel is 4-star well-designed boutique hotel in service. It is a renovated neo-classical building of the 1930s. It is located in the center of Athens. This boutique hotel in Athens is a few steps away from the national archaeological museum and Omonoia square. Along with its convenient location, it is very easily accessible to various means of public transportation.

The main floor of the hotel has a huge lobby. It has a cafeteria, restaurant and bar which is elegantly furnished and decorated. The stylish combination of modern furniture design with precious antiques and original paintings create elegance which is one of a kind.

The 30 suites and guest rooms are designed and furnished one by one. The design depends on the room shape, traffic flow and the lighting. Various colors, unique paintings on the walls and materials like wood and Greek white marble dominate inside the rooms. The bathroom provides a sense of ‘modern eclectic’ style.

Toast Etiquette Manageable Science

Giving that maid of honor or best man toast isn’t an easy thing to do.

Say for instance you already know what you want to say and how you want to say it. You have a few funny stories sprinkled in that will entertain the audience while not embarrassing the bride and/or groom. You have a few heart-felt lines that you know will mean a lot to the couple and will impress the friends, family, and invited guests in attendance. And you have that perfect last line — the consummate conclusion to your three minute long toast — that will bring applause when you finish raising your glass.

Many would say you’re lucky to be so far along in the toast-writing process. I, however, say there’s still much to learn. Your last major hurdle?

Becoming accustomed with toast etiquette.

To begin searching for what you will need to do, try finding out where and when you will be giving your best man or maid of honor toast. Will it be at the rehearsal dinner? And if so, where is the rehearsal dinner located? If the dinner is going to be held in a less formal atmosphere in front of only some family and a few friends, then you can a slightly less formal speech — and vice versa. Say you’re told that you will be giving your toast at the wedding reception, just after the first dance but before dinner (when everyone is still there). Oh, and the reception is being held in the ballroom at the local country club or 4-star hotel. Hearing this would make me prepare a far more formal toast than if I were delivering the speech in the former scenario. All in all, it is vital to “know” your audience. Know whom you’ll be speaking to during the big moment and then plan accordingly.

What’s the Best Protein Shake? Comparing Visalus, Isagenix, Shakeology, and More

What is the best protein shake for weight loss? Building muscle? Overall health?

In this article I will be comparing a few of the most popular protein shakes in terms of ingredients, cost, and taste. I will focus on a few of the most well known brands, most of which also have an income opportunity attached, but I will focus solely on the product itself, not the business.

First of all let’s explore Isagenix.

Isagenix is a multi level marketing company whose main products are it’s protein shakes. Having tried them myself, I can verify that the shake are very tasty. Even my kids like them and that is saying a lot because they don’t like too many of the shakes I have tried. Isagenix shakes come in creamy french vanilla, dutch chocolate, black sesame, natural berry harvest, and strawberry cream. Isagenix claims to use a very high quality whey protein isolate that is natural and free from pesticides. They claim to be a very healthy shake, despite the fact that each serving contains 16 grams of sugar. Perhaps that is why my kids like them so much.

The cost of a 14 serving canister is approximately $52 plus taxes and shipping so most people would need 2 canisters per month. If you sign up as a distributor you get each canister for around $40 plus tax and shipping. Isagenix promotes a ’30 day cleanse’ and you will find a ton of success stories from people using Isagenix all over the internet.

The main pros for Isagenix are its high quality whey and the taste.

The cons are the high sugar content and the lack of other ‘superfood’ ingredients.

Next let’s look at Shakeology by BeachBody.

BeachBody changed their marketing to into a network marketing structure in 2007 after many years of success through infomercials. Their name is well known mostly for it’s fitness programs like P90X and Insanity. The ingredients in Shakeology are very high quality and many of them are considered superfoods. To source all these ingredients separately would be extremely expensive. Overall, the protein content and the nutritional content are exceptional, and one look at the ingredients list will impress anyone in the health industry.

The cost of a 30 day supply is $119, making it the most expensive of the brands. But as a ‘coach’, you would receive 25% off plus free shipping. It cost’s $15/month extra to be a coach with BeachBody in order to maintain the discount. When you look at it that way, the monthly cost for Shakeology including taxes and all fees would be around $120 which is almost the same as just buying it retail.

However, despite the high cost, many people who are conscious of ingredients choose Shakeology. In terms of taste it’s one of my favourites. And my kids love it.

BeachBody also offers some well known fitness programs like P90X, Brazilian Butt Lift, Insanity, and TurboFire, that go along with their weight loss incentives. They promote nutrition, good eating, plus exercise to lose weight, and like Isagenix and most other shakes, you will find tons of success stories with Shakeology.

The pros of Shakelogy are the superior, wholefoods based ingredients that are nutritionally dense.

The only con would be the cost.

Another great shake, that is slightly off the radar because the company’s main focus is skin care, is the Arbonne Essentials shakes.

The Arbonne shake uses a mix of pea protein as it’s main protein source. Most people don’t realize that pea protein provides a good pre-workout energy boost as well as post workout muscle recovery. It also contains a similar amino acid profile to whey protein but is particularly high in lysine, phenylalaline, and arginine. Pea protein digests much easier than whey and does not contain any lactose or gluten, and that means no bloating. It also means it’s good for anyone with allergies or sensitivities.

Beyond the pea protein, the Arbonne shake contains rice protein, flax seed, panax ginseng, cranberry, kelp powder to name a few, as well as all the essential minerals.

The Arbonne shakes costs $85 retail for a 30 days supply but you have the option of getting it at 20% off by becoming a preferred client. It cost’s $24 to become a preferred client.

The bottom line when choosing the best protein shake for you is to look at the ingredients first to ensure you are getting everything you need, make sure you like the taste, and that it fits into your budget. Combine your shake of choice with a healthy diet and good exercise routine, and you will be on your way to a healthier, happier, lifestyle. You may have to try a few to find one you like the best but hopefully this review should help you narrow that down.

Vitamin E – The Vitamin You Can Absorb Through Your Skin

Ever wondered why vitamin E is so often available as a vitamin E cream? And why this is such a valuable nutrient for the health of your cells? Read on and I will explain.

Because vitamin E is so widely available in food its unusual to encounter someone with a frank deficiency, although this vitamin is often used therapeutically by naturopaths as a supplement (usually alongside other nutrients).

This is one of the rare vitamins that you can absorb through your skin and mucous membranes, hence its popularity as an ointment. Once in your body, one of the main tasks of vitamin E is to help preserve the health of your cell membranes by acting as an antioxidant.

Your cell membranes are actually made up of fat molecules joined together by minuscule magnetic attraction, rather like oil floats on the top of water. These membranes are vulnerable to attack by free radicals, (molecules missing an electron who can damage cell membranes). A good supply of Vitamin E in your body can prevent these free radicals from causing damage to your cell membranes.

Vitamin E has a reputation as a free radical scavenger and oxidation-preventer in other parts of your body too. Within the gastrointestinal tract, it prevents vitamin A from being oxidised before absorption. High quality fish oil (omega 3) supplements routinely contain vitamin E, to prevent oil in the capsules from going rancid.

Although vitamin E supplements are sometimes used to promote cardiovascular health, or as an antioxidant, it is very popular as an ointment. It can slow premature aging of skin, and help heal damaged skin tissue and scars.

The best way to obtain your vitamin E is from food. There are several different varieties of vitamin E (tocopherols). Obtained from food, vitamin E will contain all the tocopherols, plus added nutrients. Vitamin E capsules may contain only one tocopherol of the vitamin (usually the alpha version), and may be synthetic. Yet another reason to focus on improving your nutrition with high quality food rather than taking supplements.

The best food sources of vitamin E are cold pressed oils, eggs, sunflower seeds, offal, molasses, peanuts, soy beans and lima beans.

If you are taking a vitamin E supplement, check the label: Natural vitamin E’s technical names are preceded with d- (e.g d-alpha-tocopherol). Synthetic vitamin E will be labelled as dl- (e.g dl-alpha-tocopherol). Although cheaper to produce, synthetic vitamin E is not absorbed as easily as its natural cousin.

Now you know why vitamin E is so valuable, including for your skin, consider buying a tub of vitamin E-enriched body lotion next time you’re shopping.

Strive to Achieve Your Physical Potential

Whether you are elite athlete on the field or court or a champion in the field of life, you should always have the burning desire to achieve your physical potential. By ensuring that your body is fine tuned and firing on all cylinders will allow you to perform at your highest level possible. To achieve your physical potential you must have a clear understanding of the essential components which influence your body. These essential components are your personal habits in your mind set, physical training, nutrition and recovery. By continuously evaluating and setting new goals in each of these areas, you will ensure that you are on the optimal path to achieving your physical potential.

What is your physical potential?
For everyone the answer will be different. It does not matter if you are a professional athlete or a business professional; we all have tremendous physical potential to achieve great things. When physically prepared, the human body has virtually endless capabilities to what can be physically achieved. Individuals that are committed to physical achievement have completed a spectrum of feats, such as running up to speeds of 25 mph, jumping over 40 ", lifting over a thousand pounds, running over 100 miles straight, holding breath for over 10 minutes, and swimming endless lengths at a time, to name a few. be open minded to the possibilities of your body and physical potential. You do not have to set or break a world record in order to achieve your physical potential. Just continually strive to be the best physically you can be every day of your life.

Mind Set
One of the most important factors in the quest of achieving your physical potential is a proper mind set. I begin with this component, because I believe 99% of physical achievement occurs from the abilities of the mind. Unfortunately, we live in a society where being lazy and unhealthy is acceptable. On the television, the ever increasing drug commercials try to convince us to just pop a pill instead of taking care of our bodies. We are constantly being bombarded by negativity from the news media and pessimistic people that almost seem to like being miserable! Always be very cautious of what you allow into your mind. Limit your exposure to negative stimulus such as negative people, negative news coverage, or any other source of negativity that will inherently bring you down. By limiting your exposure to negativity, you will prevent your mind from being filled with useless clutter allowing you to focus more on the positive aspects of your physical achievement.

Over the years, I have been heavily influenced by my father, and other great motivational and goal setting gurus such as Zig Ziglar, Napoleon Hill, Norman Vincent Peale, and Brian Tracy to name a few. From all of these great men I have learned valuable strategies and methods that are directly applicable to achieving your physical potential. The reoccurring theme presented by all of these gentlemen, is what ever the mind can conceive and believe it can achieve. This powerful statement can be applied to help you strive to achieve your physical potential.

According to Dr. Hill the starting point for all achievement is the Definiteness of Purpose which is developing a burning desire to achieve your goal. With a solid game plan and the burning desire, there is literally nothing that can get in your way of achieving your physical goals. Your goal should be to reach the top 3-5% of the population in physical fitness, which I call the upper echelon of society and physical achievers. I characterize this top 3-5% as the elite minority, who choose to treat their body as a temple and understand the importance of proper mind set, physical training, nutrition and recovery. This top 3-5% does not make excuses; they take action every single day to ensure that they are always moving towards achieving their ultimate physical potential.

Where are you now?
The first step in the quest to reaching your ultimate physical potential is to understand where you are presently. Without this knowledge in hand, you will not have a clear vision and understanding of the direction you need to take. By taking a critical look at yourself and your habits, you will be able to determine the areas of your lifestyle that require an improvement. Carefully evaluate each area which impacts your physical potential and determine where change is needed.

Six Ways to Turn Desire Into Physical Achievement
From the writings of Dr. Hill, his philosophies can be applied to convert the burning desire you possess into its physical equivalent by using what I call the Six Ways To Turn Desire Into Physical Achievement with six definite practical steps to determine you physical goals:

1. Determine in your mind what areas you want to improve. Perhaps you need to reduce your bodyfat 5%, or increase your strength, flexibility or speed. Be as detailed as possible about the specific areas you need to improve upon.
2. Determine exactly what you intend to give in return for the physical achievement and attainment of the goal in regards to efforts in physical training, nutrition or recovery methods.
3. Establish a definite date when you intend to obtain the physical achievement goals, no matter if it is in 4, 8, 12 weeks or 1 year.
4. Create a definite plan for carrying out your desire, and begin at once, whether you are ready or not, to put this plan in to action.
5. From the previous steps, now write down your specific goals, the goal date and what you intend to give to achieve these goals, and include the plan you will use.
6. Read your written statement aloud, twice daily, once in the morning and once before going to bed. As you read the statements- visualize yourself like you have already achieved your physical goals … leaner, stronger, faster, or etc.

Once you have completed these six steps you will have established a clear path towards your goal. Next, from where you are presently, to the point of your goal, work backwards and set incremental goals between these points and establish a time line to achieve each goal. For example, if your goal is to reduce your body fat 12% in 12 weeks, when working backwards your increment goals would look like this:

Week 12 Goal: Decrease Body fat 12 % Total
Week 8 Goal: Decrease Body fat 8 % Total
Week 4 Goal: Decrease Body fat 4 % Total
Week 1 – Starting Point

By setting these incremental or smaller goals will ensure that you are on the right track towards success. By achieving all of your individual incremental goals you will easily be able to reach the end goal, in this situation is decreasing your body fat 12% in 12 weeks. Once you have clearly defined your goals and are in pursuit of them, do not let yourself get off of the path. With a solid game plan and the burning desire, there is literally nothing that can get in your way of achieving your goals. Take clear and decisive action everyday! Once you get rolling, momentum will build and will propel you forward towards your goals.

Over the years I have had the opportunity to work with some of the best athletes in their respective sports, the first step I take with all of them is establishing an optimal path to achieving their physical goals. I describe staying on the optimal path as persistently staying focused on the goal and adhering to the mandatory physical training, nutrition and recovery program to achieve their goals and to become the best they can become. The fastest way between two points is a straight line- when you stay on the optimal path there will be less resistance and difficulty in obtaining your goals. When consulting with season two UFC reality show Pro MMA fighter Mike Whitehead, he was initially at weight of 270 lbs. and his goal weight for his next fight was 205 lbs. With less than 12 weeks to accomplish his goal and fight on national television- we had to layout a precise plan to get him ready quick! I structured the necessary training, nutrition and recovery program for him-but then it was up to Mike and his burning desire to achieve his goal of being 205 lbs. Mike's burning desire combined with his persistence paid off greatly when he weighed in at his fight weighing under 205 lbs!

Daily Affirmations
Daily affirmations can be helpful to keep your mind free from negativity, and focused on positive, goal-oriented thoughts. Affirmations are statements of a desirable intention in your mind that are deliberately meditated on and / or repeated. By utilizing this technique, you will create a mental program for your mind to be directed towards your goals of achieving your physical potential. Affirmations are always phrased in the first person and usually in a present tense, "I am", rather than a the future tense, "I will", in order to increase the realization of the statement. For example, you could repeat your affirmations while exercising. Such as "I am getting stronger", or "I am getting leaner", or "I am getting faster". These affirmations will help to keep you motivated. Soon they will be part of your thought process and will help fuel you forward to achieving your goals.

Visualization can help you develop a clear mental picture of where you want to be or what you want to achieve. This technique can be used with affirmations to make a powerful combination, fueling your physical achievement. I have personally utilized this technique for many years throughout my own training and with my athletes to break into higher levels. This can be directly applied to anything that you may believe to be physically challenging or difficult. For example, over the years, when trying to set new records or personal best in a particular lift, I would complete the repetition successfully in my mind before I ever touched the weight. By practicing visualization techniques you can instantly improve your bodies abilities! Use this on a regular basis to overcome self-doubt or fear when striving to reach any physical goal.

Eliminate Negative Thoughts
Fear, self-doubt and negativity are the enemy of progress and physical achievement. A great way to reduce all of these is to constantly be focused on your goals and be thinking about taking action. By staying focused on action, you will have less time to ponder and think negatively. If a negative thought enters your mind, quickly replace it with a positive thought … tell yourself, "I can, I can, I can!"

Associate with Like Minded People
The individuals you associate with will have a dramatic influence on you. As the old saying goes, choose your friends wisely. By choosing to associate and spend time with others that have similar interests and goals as you, will help you reach higher levels of personal physical achievement. You have the right to be selective to whom you associate with. You should discontinue relationships that present negativity, and may hinder you from achieving your goals. Stay clear of people that are negative and pessimistic, they can quickly derail you off the path to your physical potential. Surround yourself with positive, optimistic individuals that choose to live a healthy and balanced life style.

Failure is Not an Option
After you have set your physical achievement goals, and you determine what must be done to achieve the goals, never consider failure! From the beginning you should tell yourself that failure is not even an option, and you are bound to succeed. By eliminating failure as an option, you will quickly reduce your self doubt and fear which will fuel you forward to achieving your goals.

Physical Training
Like every creature on the face of the earth, we have been built to survive and perform physical tasks. There was a time when we used our bodies on a daily basis to complete physically rigorous tasks such hunting, gathering, farming, and building. These physically demanding tasks required each individual to be physically fit for the sake of survival. In the modern society we live in, which is full on luxuries and conveniences, the amount of physical work we must complete on a daily basis has been eliminated. For this reason, we must be incorporate daily exercise or physical training to ensure the optimal function of our body. The human body is an adaptive being that has the ability to rapidly adapt to the physical stimulus or demands that are applied. Proper physical training provides a positive stimulus that allows each of your body's physical abilities to improve.

According to the goals that you have established, your physical training or exercise should be reflective of your goals and place you in the right direction to achieving your goals. Do not get caught up in adhering strictly to only one training method or training philosophy. Be open minded to all ways of physically training. Over my career, I have thoroughly researched and applied just about every physical training method that exists. These methods and philosophies have included: body weight training, free weight training, band training, machine training, vibration training, strongmen training, power lifting, Olympic lifting, bodybuilding, sandbag training, kettlebell training, gymnastics, martial arts, boxing, endurance training , sand-pit training, sprint training and the list goes on and on. What I have learned that works best it to keep an open mind and be willing to apply any and all forms of training to reach your physical potential.

Address Your Weaknesses to Build Upon Your Strengths
The human body is a kinetic chain that is only as strong as the weakest link. One of the fastest ways to improve your physical performance is to identify and target your areas of weakness. For some of you it may be your core muscles, but for some of you, it may an inability to squat properly or a lack of mobility.

Master Your Own Body weight
To reach your physical potential you should be a master of your own body weight. This means you should have a solid foundation of strength and be able to complete any and all body weight movements. This includes movements such as squats, various lunges, various steps, bridges, bends, push-ups, pull-up, various planks, various chops and rotations, bear crawls, walkouts, burpees and etc. Even though I can bench press over 400 lbs and squat over 600 lbs, these movements still present quite a challenge for me! Your goal should be able to complete any movement in any plane of motion without any restriction from lack of strength or flexibility.

Do What You Do not Like the Most
A very simple philosophy I have utilized over the years, is to do what you do not like to do the most. To constantly progress physically, you should get out of your comfort zone. By incorporating training methods that you find difficult, will most likely yield the greatest progress.

Be Cautious of What You Hear and Read
There are many myths and misconceptions when it comes to physical training. Always question any information you may read or hear on the television in regards to exercise and physical training. Make sure any information you listen to comes from a professional in the field, with a degree and reputable certifications to validate the information. This will reduce the likelihood that the information you are getting is false and misleading.

Monkey See, Monkey Do
Just because you see someone doing a certain exercise, program or method at the gym, does not necessarily mean it will work for you. Due to the diversity and complexity of each person's body, everyone will have different needs and goals. This means you should be training to meet your goals, not the person's that you are watching.

A Partner Can Push You to New Limits
Find someone that has similar physical abilities and goals as you to workout with. Training with a partner can motivate you to reach new levels of physical achievement and will help hold you accountable to your goals. Be sure to constantly challenge and encourage each other to push forward to achieve your goals.

Strive for Continuous Progress
Continuously strive to make improvements in every area of ​​your physical abilities, whether it is strength, power, speed, agility, balance, flexibility, or endurance. From the goals you have set, make sure that you are making measurable progress in each area of ​​your training and exercise. If a certain exercise or method is not working for you, discontinue it and try a different approach. Always strive to set new PR's or Personal Records in your training. This will ensure that you are constantly challenging yourself and getting outside of your comfort zone, forcing your body to adapt and become better.

As the old saying goes, "you are what you eat", could not be closer to the truth. The nutrients you consume on a daily basis have a significant impact on the overall function and physical performance of your body. To reach your physical potential is important that you understand the basics about nutrition and how each nutrient influences the function of your body. Many individuals view eating as a program or something you focus on temporarily to achieve a goal. If you look at nutrition like the majority of people in our society look at it, you will fall short of reaching your physical potential. Every physiological process in the human body requires energy to function. The energy is produced from calories, or units of energy, which the body extracts from carbohydrates, protein and fats. These nutrients work in synergy to fuels your body's vital health and levels of physical performance. Every second there is thousand of chemical reactions occurring within the body that require the correct ratio and amount of these nutrients and vitamins, minerals and water. If there is an imbalance or deficiency in any of these areas, your body will be unable to perform at optimal levels. I always say, if we had a control panel on the outside of our body and we could open it, and see all that is going on inside of our body, we would have a greater appreciation for the complexity of the human body and its reliance on the vital nutrients from the food we eat. According to your goals, your dietary habits should be structured to contribute to your forward progress of achieving your goals.

If it Walks, Swims, or Grows Out of The Ground, Its Okay
Consume foods that are as close to the natural state as possible. Your dietary habits should consist of lean meats, fruits, vegetables, grains and good sources of fat such as healthy nuts and oils. This means to reduce the amount of processed foods, or man made foods that you consume. Stay away from foods with high fructose corn syrup, preservatives and unidentifiable chemical compounds. When possible, incorporate fruit and vegetables that have been organically grown. This will allow you to consume less amounts of pesticides and genetically altered, gas ripened foods, which could adversely effect your body.

Eat for Fuel, Not for Fun
You should look at food as the fuel required for your body's optimal performance. Much like a high performance race car, your body runs the best with the right fuel or nutrients. Most people make emotional decisions when it comes to nutrient or food selection. You should always select foods that are best to fuel your body.

Hydrate, Hydrate, Hydrate
Proper hydration is important for every physiological process that occurs within your body. If you are thirsty, you are already dehydrated. The best way to ensure that you are properly hydrated is to make it a habit of keeping a container of water with you at all times and drink constantly.

Limit Your Alcohol and Caffeine Consumption
Alcoholic and caffeinated beverages should be consumed in moderation. Alcohol is foreign substance to the human body, and in excess can place a stress on your liver and other organs. Caffeine can adversely effect your energy and metabolism when consumed in excess. Try to consume both of these in moderation.

Nutrient Timing and Nutrient Selection
It does not matter if you are trying to gain lean muscle, lose body fat or to maintain your current weight, the timing and selection of your nutrients is important. Depending on your goals you should eat 5-6 meals per day, spacing them out to every 2.5-3 hours. Each meal should consist of a combination of protein, carbohydrates and fat. This will ensure that your energy levels are steady throughout the day and will allow your metabolism to function at optimal levels.

Preparation and Organization
Preparation and organization are two of the top keys to success in healthy eating. Plan your meals ahead of time to make sure you will have access to the foods you need to eat. Like most people, do not wait to the very last second to figure out what you are going to eat for your next meal. If you are not prepared, you will be unable to maintain your required schedule for eating. This will quickly derail your body from reaching its physical potential. Plan ahead and always have the food you need to eat accessible to you.

Recovery or the physiological regeneration and repair of your body from physical training or stress is a requisite to reaching your physical potential. By taking proactive measures to enhance your recovery, you will keep your body feeling fresh and will reduce the chances of becoming injured. There is a long list of ways to accelerate your recovery such as sleep, relaxation, meditation, stretching, chiropractic, contrast baths, massage, performance therapy tools, acupuncture, visual imagery, vibration therapy, EMS, and light therapy to name a few. Be sure to take time to incorporate some of these recovery methods into your training schedule.

Proper Sleep
While you sleep your body releases hormones which promote the physiological repair and regeneration of the cells in your body. You should sleep 8-10 hours per night to ensure that you are adequately recharged. If your schedule permits, implement short naps to boost your recovery even faster. If you go through a period of days with less than 8 hours of sleep, make up those hours by sleeping more on the other nights. Your body keeps track of these hours, and it will reflect in your energy levels and physical performance.  

Schedule times to completely relax and let your body unwind. This will enhance your recovery by reducing stress levels allowing your body to heal and repair.

Listen to Your Body
You should learn how to interpret the signals that come from your body to enhance the recovery process. By being in tune with your body you can quickly address areas of your body that may need special attention.

Self Massage
To accelerate the healing of your muscles from physical training, use a performance therapy device such as the Muscletrac. Using the Muscletrac after or between your workouts will reduce muscle soreness and tightness.

The most effective method to improve flexibility and muscle elasticity is to incorporate active or movement based stretching into your physical training program. Take time after your workouts to incorporate stretching to enhance your recovery.

Bringing it All Together

To achieve your physical potential, stay committed to living a healthy and well balanced lifestyle. Constantly set goals for new physical achievements and be conscience of your mind set, physical training, nutrition and recovery. Be a student for life and strive to never stop learning about new ways to achieve your physical potential. Remember that what ever the mind can conceive and believe it can achieve. Set your sights high and work hard to achieve your ultimate physical potential!