how-banking-works

How Banking Works

Writen by John Mussi

Banks offer a large number of financial services, and pay you interest on at least some of them. Because of this, many people are quick to overlook the fact that banking is still a business, and banks need to make money to pay their employees, keep the utilities running, and make a profit for their shareholders and customers. If you’ve ever found yourself wondering exactly how it is that banks manage to pay out as much as they do while still making money, then this article is designed for you.

Below you’ll find information on some basic banking services, as well as how banks make the money that they need to cover all of their expenses and make the profits that they need to grow.

The Basics of Banking

Most banks have a variety of account types and services in common. These include savings accounts, chequeing accounts, certificates of deposit, investment services, online account access, and lending services, and are among the things that most people expect to find when they choose a new bank.

Having services in common with other banks enable the banking industry to be competitive one bank can set itself apart from the rest by offering superior service and better rates and terms than the others that they compete with locally.

Savings, CD’s, and Other Interest-Bearing Accounts

Some of the services that banks offer are interest-bearing, meaning that they have an interest rate that is paid to the account holder based upon the amount of money that’s in the account. These accounts are an incentive for customers to put both their money and their trust into the bank, as they are the accounts that pay a return on the money in them. Interest rates that are paid on these accounts can vary from bank to bank, though they are all based upon rates that are set nationally to ensure that they do not fall too low.

Chequeing, Loans, and Other Interest-Charging Accounts

In order for banks to stay in business, they have to make money one way or another. They do this by issuing loans, offering chequeing accounts, and having other interest-charging accounts and services that must be paid for. Loans require that the borrowed amount be repaid with interest, and many chequeing accounts either charge a monthly maintenance fee or have other costs associated with them in addition to the overdraft fees and fines that are applied when you try to write a cheques for more than you have in your account.

Other services, such as safe deposit boxes, also have fees associated with their use, and credit cards that are issued by banks charge interest rates as well as potentially some other fees associated with their use.

Advanced Banking Services

There are a variety of banking services that are not common to every bank but are well-known enough that many banks offer them. Services such as online account access and itemized bank statements may be offered for free or may have charges associated with them, but provide a better understanding of your finances and more information on where your money is going and how than the standard bank statement. Banks may also offer advanced services such as investment services, money market accounts, currency exchange, and even the opportunity to invest in the bank itself.

The services that are offered by any one bank will largely depend upon that bank and the wishes of the owners and operators, so you should investigate fully the services that are offered before assuming that any one specific service is available.

You may freely reprint this article provided the following author’s biography (including the live URL link) remains intact:

About The Author

be-confident-that-youve-put-your-proposals-for-government-grants-in-capable-hands

Be Confident That You’ve Put Your Proposals for Government Grants in Capable Hands

Writen by Joseph Hanoa

Government grants aren’t always easy to obtain. There are many qualified and worthy individuals and organizations competing for them. That’s why a well-written and persuasive application can make all the difference. Drafting a grant proposal, however, is no short order. Many organizations turn to professional grant writers when applying for government grants. Grant writing is a booming industry, and you’re likely to find a great number of candidates. To get the most for your money, and improve your chances of getting the grant, here is some advice on how to find, and utilize, the right grant writer.

You should look at selecting a grant writer like a job interview. You’re hiring someone to do a job for you, and there are questions you should ask to make sure you choose the best candidate. Begin by finding out about the writer’s experience with government grants, particularly their areas of expertise. Some grants are offered by private foundations, so it’s better to find someone who specializes in private grants. Also, the ideal candidate would have had past success in writing proposals for your particular area or program. Additionally, ask about how many other clients the writer currently has. Someone with a lot of clients might not dedicate as much time and attention to your proposal. On the other hand, you’ll have to weigh the possibility that someone without many clients isn’t as successful or experienced. You’ll also want to review some writing samples and encourage the candidates to submit letters of recommendation.

One tip for making successful use of a grant writer is to do the research and planning yourself. Remember, this is professional writer, not an expert on your organization. The writer’s experience with grants will make for a better finished product, but you are the best person to explain how your organization works and decide how the funds will be used. Sit down with the grant writer and thoroughly explain who you are and why you want this grant. It’s then the grant writer’s job to state these goals eloquently. You’ll also want to be sure that you give the writer sufficient time to do a good job. Proposals for government grants can be written in as little as one month, but it’s better to give the writer time to write several drafts, as well as to make revisions based on your feedback. The more complicated the request or organization, the more time your writer will need.

asset-protection-systems

Asset Protection Systems

Writen by Peter Emerson

Asset protection systems refer to the various strategies available for protecting your valuables from lawsuits and creditor-collection attempts. This sort of protection is usually adopted by most businesses and individuals. Some simple steps can help protect most of your assets without incurring much expense or trouble.

In fairly safe areas in which crime is not a major problem, a basic system designed for asset protection may be enough. Everyone will certainly want to protect his home, since a house is considered to be one’s biggest and most expensive asset. There are three ways one can do this, which include physical protection, corporate protection, and insurance protection.

A physical protection system refers to what you can change in the property structure to protect it. The first point to remember is that you never buy a home in areas of high crime or natural disasters such as earthquakes or landslides. Then, consider installing security systems, burglar alarms, and fences. Home security systems are designed to help prevent theft or damage of your valuables while you are away from home.

Corporate protection is offered through limited liability companies, corporations, and trusts. Having your property in this entity provides legal security and possible tax breaks. The benefits of this protection vary according to your location, so it is important to look into the type of corporate protection while you are thinking about purchasing properties.

A third protection system, which is simple to do, is the utilization of the inherent asset protection of an insurance policy. Many insurance companies and banks provide you good rates for insurance on an investment property. An insurer is always ready to pay a specified amount of money to or for you if a specific incident occurs. The incident might be your falling sick, someone damaging your assets, or a natural disaster.

smart-investing-in-uranium-could-mean-isl

Smart Investing in Uranium Could Mean ISL

Writen by James Finch

Now that the spot uranium price has sustained above $40/pound, after a 20-year drought and a bottom of $6.40/pound at the end of December 2000, hundreds of junior exploration companies have thrown their hat into the ring. Both Canadian and Australian junior uranium companies hope to raise the big money required to bring a uranium property into production. A perceived uranium supply crunch has added to this frenzy. As occurred with previous uranium cycles, only the strong will survive.

While numerous Canadian junior exploration companies hope to find a new discovery in various uranium-prospective regions through Canada, a safer investment strategy is to speculate on companies, whose properties were previously drilled during the uranium bull market of 1974-1980). Some of those properties had uranium deposits delineated by major oil and uranium companies, who did not blush at spending tens of millions of dollars in exploration.

Some of the newly arrived uranium companies acquired those drilling databases and their properties, which were abandoned by the previous owners. Some companies have been actively moving their projects forward to production, using a more environmentally friendly mining method than an open pit or underground mine. It is called In Situ Leach (ISL) uranium mining, and the operation is much like a water treatment plan. Oxidized, or carbonated, water is pumped into an orebody, and uranium is flushed into a processing plant. These are relatively inexpensive to install, possibly for as little as $10 million.

There are pitfalls when investing in those companies which plan to establish ISL operations. During the initial phase of this bull market, a common myth, circulated among investors, had been “pounds in the ground.” How many pounds of uranium oxide, or U3O8 for short, does a company have in the ground? The more pounds a company claimed, the higher its market capitalization ran. Once you sift through the companies with very real prospects from those who are cheerleading their “pounds in the ground,” you should have a realistic short list.

These are the four key questions which must be answered if you wish to minimize your risk when investing in uranium stocks:

How permeable are the ore bodies you plan to mine?

What is your average grade?

Over what area does your rollfront extend?

What is the depth of your ore body? One of the most important factors to consider is the permeability of the sandstone, from which the uranium will be mined. Permeability is the flow rate of the liquids through the porous sandstone. Knowing what the permeability of the orebody will let you know how much water you can get through the sandstone formation. Harry Anthony, an internationally recognized ISL expert, noted, “You need higher grade ore for tight formations. With high permeability, you can space your wells further apart.”

The make-break point for a formation’s permeability is its Darcy rating. How high is the Darcy? A typical Darcy can range from minus 1000 to plus 3. The higher the Darcy, the more permeable the formation. This helps determine how economic the orebody is. An acceptable range would be one-half to one Darcy. What is a Darcy? Uranerz Energy CEO Glenn Catchpole, who is also a hydrologist, said, “It is gallons per day over feet squared.” He added a pure hydrologist would calculate the feet per day or centimeters per second to get a more accurate permeability assessment.

With low permeability in a tight formation, you may need to space more wells in a typical well field pattern. While explaining that costs are fixed and variable, Anthony computed the cost of a production well for a 500 foot deposit at $15,000. An injection well could cost $11,000 to install. By comparison, in New Mexico, where the deposits are wider and of higher grade, a 2000-foot production well might cost $27,000 and the injection well could cost $18,000, and it would still be economic. Obviously, the deeper the deposit, the more it will cost to extract the uranium. Not only will the capital costs increase, but operating costs will be greater.

Uranium grades can be a contentious point. “Grade is the driving force,” Harry Anthony shot back. We asked him about companies which said they could run an economic ISL operation with grades as low, or lower than 0.02. Anthony laughed, “They’d be out of business before they started.” Strathmore Minerals’ president David Miller offered a more technical analysis, “That will not likely have enough recoverable pounds. The operating grade feeding the plant will be too low.” What is the best grade? Miller wanted to see properties with deposits that average on the order 0.5, 0.10, or 0.15.

Uranium grades can impact the cost of operating an ISL plant. An ISL plant may operate at 5000 gallons per minute. Running 24 hours daily, the plant would process 7.2 million gallons of water. Operating costs are based upon cost per thousand gallons of water. “This includes electricity, reagents and labor,” said Anthony. On a daily basis, it would cost more than $21,000 to run an ISL plant, based upon Anthony’s calculations of $3.03 per thousand gallons of water. Under this scenario, a plant might produce 2360 pounds of U3O8 every day or 80,000 pounds monthly. The cost to produce each pound would be $8.18. Using that math, the uranium grades would be about 44 parts per million (ppm) or 0.08. Anthony said, “I like to see 70ppm or higher.” That comes to a uranium grade of 0.13.

Another way to evaluate a company’s uranium property is looking at each part of its development costs. In a well field pattern, David Miller can determine the economic viability of the ground. “The keys to what is recoverable include how many pounds are recoverable per pattern and what it costs to install a pattern,” Miller explained. “If you have 10,000 pounds in place and can recover 8000 pounds, your well field development cost can be $8/pound, if it costs you $80,000 to install that pattern.

The cost to install a pattern also depends over how much territory your uranium deposits run. “Ten million pounds over an area of one-half mile will cost less than those same pounds over an area of two to four miles,” explained Terrence Osier, Strathmore Minerals senior geologist. “That means more injection wells and more production wells.” Depth of the wells influences installation cost and impacts its daily operating cost. “When uranium costs were very low, a company needed 70,000 pounds per pattern,” Anthony commented. “Now a company might only need 20,000 pounds per pattern to make it economic.”

There are many variables within the above advices provided by these experts. However, the important point to realize is the time of hyperbole and hoopla over “pounds in the ground” has passed. As more uranium development companies move closer to establishing an ISL operation, the go/no-go consideration, as UR-Energy CEO William Boberg aptly described it, will come down to permeability. After that, the economics of a project will either make it viable or not. Using these criteria, you can avoid the hysteria by speculating with the odds stacked more in your favor.

find-free-birthday-deals-online

Find Free Birthday Deals Online!

Writen by Janet Meiners

Get FREE dinners, ice cream, and other things on your birthday Companies want you to join their email list. To get you interested they offer free birthday deals online. Once you’re on their list, some companies will send you coupons all year long (like Quizno’s Subs). Some of these deals are amazing. Some are just for kids. Others are for kids of any age.

Don’t worry about eating too much on your birthday. Many of these deals are good for your entire birthday month.

My personal favorites are The Melting Pot desert fondue and The Happy Sumo giveaways.

Search for Birthday Deals
Try typing in “birthday club” and the name of your favorite restaurant in a search engine like Google. Local or regional restaurants near you may have birthday specials too.

Here is a list of birthday deals I found:

Baskin Robbins: www.baskinrobbins.com/BDayClub/ - free ice cream cone

Happy Sumo: www.happysumosushi.com/vip.html - Get a $10 gift certificate for your birthday and deals year round.

Boston Market Kid’s Club. Good for a free kid’s meal, drink, and dessert at Boston Market

Cold Stone: www.coldstonecreamery.com/birthday/ - Free ice cream.

Trade Secrets: www.tradesecret.com/birthdayclub.cfm - $5 off coupon for beauty products on your birthday.

Olan Mills: http://www.olanmills.com/bdayregistration.asp - Free portraits.

Red Robin Free hamburger.

The Melting Pot - free desert fondue, any time, one time a year

California Pizza Kitchen - for kids only unfortunately.

Wingers. Sign up for kid’s club and you’ll get a free kid’s meal certificate in the mail.

Denny’s . Sign up for the kid’s birthday club for free birthday deal.

Qdoba Mexican Restaurant. Free burrito.

Who doesn’t like free stuff? Take your friends and family. Don’t just celebrate a day, make your birthday a month long celebration.

financial-planning-whats-your-designation

Financial Planning: What’s Your Designation?

Writen by Jay Moncliff

If you’re shopping for financial planning services, it may seem like a jungle out there. There are advertisements everywhere, and everybody seems “nice,” but nice won’t cut it when it comes to your money. How can you cut to the chase and find a financial planning expert that you can trust.

Start by learning what the different designations mean. You may have noticed that there are three popular financial designations that most financial planners hold. You’ll want to choose one with one of the following designations.

Like many CPA’s, a Certified Financial Planner (CFP) must attend about two years of training and pass a rigorous test. This designation is given by the Certified Financial Planning Board of Standards, a national organization. After two years of preparatory courses, a Certified Financial Planner must earn a passing grade on a ten-hour test given over the course of two days. The Financial Planning Association can provide you with a listing of Certified Financial Planners.

You may have also encountered some Chartered Financial Consultants. These graduates of American College in Pennsylvania have completed a series of exams and obtained real life experience before earning their designation. However, the program is geared more toward the insurance profession than broad based financial planning. The Society of Financial Professionals can provide you with a listing of these consultants.

The American Institute of Certified Public Accountants offers its own designation, a Personal Financial Specialist (PFS). Certified Public Accountants can earn this additional designation by completing a series of comprehensive tests and demonstrate experience in financial planning. Most of these designates are members of the National Association of Personal Financial Advisors, and they can refer you to a PFS in your area.

All of the above certifying agencies require at least three years of experience prior to certification. Other designations do exist, but these three are the most reliable. Since many unscrupulous individuals decide to call themselves “financial planners,” you’d be wise to look for one with a certification from a nationally recognized organization.

Since the Securities and Exchange Commission doesn’t regulate smaller financial advisors (those with under $25 Million under advisement), it is up to you to screen your financial planner carefully.

You can begin by checking on the website of the National Association of Securities Dealers website. They list financial planners who have been disciplined on their website. Information is also available by telephone from this association’s toll free number (800-289-9999). Also check with your state’s securities division for disciplinary actions and complaints.

Ask your planner for a copy of Form ADV, Part II. If you aren’t familiar with the form, they will be. This form is required by the Securities and Exchange Commission from every financial planner and should spell out how and what the planner will be paid and any incentives they may earn. Sometimes they will provide this information in brochure or pamphlet form, but you’ll know up front what your fees will be.

Finally, check references. A reputable planner won’t mind giving you a few references to call. Find out if they handle portfolios similar to yours and if the client is satisfied with their services. Ask about fees.

It’s your future, so doing a little homework up front and making sure that you’re getting what you pay for is well worth it in the long run. Make sure that your financial planner holds a nationally recognized designation and check him out before you hand over your hard earned money. Your time and effort is a wise investment when shopping for a financial planner.

consumer-debt-trends-and-issues-in-2006

Consumer Debt Trends and Issues in 2006

Writen by Lance Winslow

Throughout 2005 we heard of the incredible growth in consumer debt. Credit Card companies raised credit card limits of many consumers. Many folks used home equity loans to pay off credit card loan debris which was hurting their middle class perceived entitlements to have it all in advance of paying for anything. Buy, buy, buy and shop till you drop was the battle cry, yet in retrospect who is crying now?

Once these consumers paid off their high-interest credit card debt with low-interest rate home equity loans they lowered their over all debt load and the interest they were paying on this debt; a once in a life-time opportunity to work their way out of debt. But instead the credit card companies showed their credit cards paid off on their credit reports and then upped their credit limits, sent them new cards with higher balances. And like any good debt ridden “give it to me now” American consumer these folks proceeded to charge it all back buying alls sorts of consumer goods, that they neither needed or had places to store.

In 2006 we will not see such a rocket ship increase in home equity and in some markets we have seen a plateau in the housing market and a pull back in many other markets. In fact home foreclosures up. In Las Vegas one of the top two fastest growing housing markets for all of 2002-2005 we are seeing some 80-90 foreclosures per day. Private debt load in the United States has reached 1.2 Trillion.

We saw lack luster 2005 Christmas Sales and slowing of the consumer spending, at least at the rates we saw previously. Of course some of those dollars are still being spent, yet on necessities such as gasoline and heating fuel. The over all trend in the economy will not be a negative one but you can expect fuel prices to inch back up and this credit card issue become the back breaker of many a middle class family in America. Think more on this in 2006.

federal-government-grants

Federal Government Grants

Writen by Damian Sofsian

The objective of federal grants is to strengthen America and its people. The main goals are economic development, strengthening the work force of America and providing a stable and strong economic infrastructure. Now President Bush has made its details available in a single website, providing a one-stop opportunity to apply for grants.

The federal grants are given through 26 federal agencies. There are 15 different ways of getting federal grants and hundreds of local and state agencies that disburse the grants.

The different ways the Federal grants are given are as follows:

1. Formula Grants: These grants are not given for any specific need. You can get a grant for a small business through a formula grant scheme. And the most attractive part is that you need not pay it back.

2. Project Grants Given for Free are given for a specific need and there is specific time frame for it. These grants include fellowships grants, scholarship grants, research grants, training, traineeships, experimental and demonstration, evaluation, planning, technical assistance, survey and constructions.

3. Direct Payments for Specified Use grants are given directly to individuals, private firms, and other private organizations to support an activity by someone with a specific goal.

4. Direct Payments with Unrestricted Use Free federal grants are given to eligible persons and there are no restrictions on spending the money. Benefits like retirement, pension and compensation programs come under these types of loans.

5. Direct Loans from the federal government are the other type. These are granted for a specific time period and many of them do not charge interest.

6. Guaranteed/Insured Loans Programs are meant to help lenders against defaults by those responsible for repayment of loans. The Federal government itself makes an arrangement to identify a lender.

7. Insurance Free grants give financial assistance to guarantee reimbursement for losses sustained under specified conditions. These grants are given directly by the government or through agencies. The beneficiary sometimes gets the benefit of non-payment of premium.

8. Sale, Exchange, or Donation of Property and Goods Programs provide for the sale, exchange, or donation of Federal real property, personal property, commodities, and other goods including land, buildings, equipment, food and drugs.

9. Use of Property, Facilities, and Equipment Programs provide for the loan of, use of, or access to Federal facilities or property wherein the federally owned facilities or property do not remain in the possession of the recipient of the assistance.

10. Provision of Specialized Services Programs help Federal personnel perform certain tasks for the benefit of communities or individuals.

11. Advisory Services and Counseling Programs which Federal specialists to consult, advise, or counsel communities or individuals to include conferences, workshops, or personal contacts.

12. Dissemination of Technical Information Programs provide for the publication and distribution of information or data, frequently through clearinghouses or libraries. This does not include conventional public information services designed for general public consumption.

13. Training Federal Grants for programs provide instructional activities conducted directly by a US government grants agency for individuals not employed by the Federal government.

14. Investigation of Complaints US government grants agency activities are initiated in response to requests, either formal or informal, to examine or investigate claims of violations of Federal statutes, policies, or procedure. The origination of such claims must come from outside the Federal government.

15. Federal Employment Programs reflect the government-wide responsibilities of the Office of Personnel Management in the recruitment and hiring of Federal civilian agency personnel.

These US government grants gives money for small businesses and individuals with an objective to strengthen America.

what-i-learned-about-money-from-million-dollar-baby

What I Learned About Money from Million Dollar Baby

Writen by Neal Frankle

In Clint Eastwood’s award-winning movie, Million Dollar Baby, we see a positive, respectable, hard-working young woman physically destroyed when her dirty-dealing opponent lands a sucker punch after the bell.

It occurs to me that the same thing can happen with investments. The admirable fighter inside you tries to make your financial dreams come true. That’s the inner voice that tells you to work hard and invest smart. Your opponent is the part of you ruled by your emotions. Those emotions look for every opportunity to land a sucker punch and bring you down.

When I first met Bill, for example, he was worth $10,000,000, yet he was miserable. Because he’d grown up during the depression, he was convinced that he was always one step away from being broke, hungry and homeless. Keep in mind that Bill was taking only $150,000 a year from his $10 million nest egg. If you do the math, you’ll see that his withdrawal rate was barely 1.5%. So Bill really didn’t have to worry about money but he worried anyway, and he was ruled by his fear and greed.

Because Bill was convinced that he was going to run out of money, he continued to make high-risk investments in the hopes of having more. He often lost a great deal of money with these chancy ventures, and this behavior made his fear a self-fulfilling prophecy. As his losses grew, his emotional need to make up for those losses grew, too. He took ever-greater risks and continued to dig himself into a miserable hole. It was a classic emotional smack-down.

Others dance the opposite direction. People who suffer great investment losses understandably become gun-shy. They are afraid of getting pounded again, so they swear off investing foreverand miss out on securing their financial future.

Are your emotions beating up your investments? Do you take risky chances for no good reason? Or is your anxiety making you afraid to come out of your corner fighting? Let me tell you something. In the arena of investments, your emotions are always in the back room working the speed bag just waiting for the chance to floor you. You need an edge if you want to stay in the ring.

How would you like to have the financial equivalent of Muhammad Ali as your trainer? Here are a few tips that can give you that kind of an edge.

First, recognize that you’ll never totally eliminate emotions from your financial decisions. You can’t knock them out. Second, know that you can neutralize them.

How? Remember the trainer’s advice: Always protect yourself.

One way to keep your guard up is to use stop-losses on all your investments. If you’re not familiar with a stop-loss, it’s a simple tool you use to reduce risk. Let’s say you buy a stock at $50, and you are convinced the stock is going to $80. Put a stop of $45 on the position. If the stock goes all the way, the stop doesn’t hurt you. But if you’re wrong, and the stock hits the mat, the stop-loss becomes very important.

Once the stock drops to a price of $45 or less, the position is sold. What happens if the stock later renews its strength and climbs back to $80? Too bad. You sold at $45, and you no longer hold the position. This is the downside to using stop-loss orders.

What happens if the stock continues its downward spiral and falls to $15? You don’t care because you sold the position at $45. Could this happen? It happens every day. Just ask people who bought tech stocks in the early part of 2000.

You can effectively use stop-loss orders to limit your downside risk on all your stock and mutual fund investments. If you do this, you’ll be able to go the 10 rounds without getting knocked silly by your emotions.

About Women Health Supplements

Question: I want to get my health back on track. What kind of nutrients would you recommend I should look into in the area of women health supplements?

Answer: Great question! There are plenty of supplements out there that can be of great aid to women’s health. One problem that plagues women, especially later in life, can be the dreaded osteoperosis. Since your body needs a steady supply of calcium, if you do not meet your body’s calcium requirements, it will begin to sap the calcium from your body’s teeth and bones, leaving them brittle and weak.

To prevent this, a calcium supplement can be of great aid. Coral calcium is one product on the market that can help prevent this ailment. Harvested from long-dead sea beds, the calcium found in coral sediments can help to pave the way for clear health.

Antioxidants are also key parts in maintaining the health of both males and females. Helping to stop the damaging effects of free-radicals (highly reactive chemicals that capture electrons and modify chemical structures), antioxidants such as Vitamin C, Vitamin A, and Vitamin E may reduce the risk of cancer and muscular degeneration. Iron is also a key element that needs to be regularly consumed to help maintain the female body.

The body needs this mineral to produce red blood cells, and an iron shortage can result in anemia, a condition marked by a lack of red blood cells. Many of these simple minerals can help maintain your body’s structure and help lead you to great health. Some supplements even offer combined compounds that help to meet your daily requirements in a few of these categories.

I hope this article has helped you to learn more about your body and the things it needs to be working in its fittest form. Best of luck on your quest for nutrition!

Why not check out our nutrition guide at http://www.nutritional-supplement-guides.com/nut-ebook.html

This no nonsense book will tell you everything you need to know about nutrition.

Ans also, what supplement we personally use for our nutrition needs at http://www.nutritional-supplement-guides.com/what-we-use.html

John Gibb is the owner of Nutrition guides, a website offering free nutrition advice and a quality nutrition book for newsletter subscribers.

[tags]Nutrition, health vitamins, nutrition supplements, nutrition guide[/tags]

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