Thursday, February 14, 2008 

Securities License

If you are looking to break into the securities industry or work for a broker-dealer, there are certain securities licenses that you should keep in mind.

People who are currently outside the business or graduating from college are well served in this job market to get some license training and completion.

The NASD

The NASD is the National Association of Securities Dealers. Broker Dealers who are members of the NASD must have their employees licensed based on the job functions of those employees. The NASD is the regulatory authority of the broker dealer industry. There are several licenses that the NASD recognizes to work in the securities industry. Some can be obtained before you enter the business. Other licenses need to be "sponsored" by your employing firm. That means, while you can begin studying for sponsored exams, you can not sit for the actual exams until you are hired. All of the NASD exams (once you are registered)can be taken any day of the week (Mon-Fri) at hundreds of testing centers throughout the country.

Licenses to consider that do not require sponsorship

  • Series 65 - The Series 65 licenses you as a Registered Investment Advisor. This is an excellent designation to get before you enter the job market. The license itself is for financial advising. Giving investment advice on assets you are overseeing for a fee. It looks very strong on a resume and it is only a 130 question multiple choice exam. Even if you are unsure of the area of finance to work in, this license is a plus. Employers will consider any licensing a bonus over other candidates who have not obtained this certification. As I said, it does NOT require company sponsorship. Get this first.

  • Series 63 - The Series 63 covers the Uniform State Law content of the business. The exam is a short test of state laws, registration procedures and terminology. The license is for registered brokers and advisors. Most states require the 63, before representatives can call out of state investors. This license can be obtained on your own and does not require company sponsorship. Brokerage firms will look for this on your resume.

  • Series 3 - The Series 3 exam is specific to the futures and commodities market. It is administered through the NASD testing network, but it is a NFA (National Futures Association) license. Most firms that do not work in this market will not consider this license very important or needed, but if you ever land with a futures firm, you will need it. As with any license, it doesn't hurt to get it at all.

There are a few other futures tests (Series 30 and 31), but neither needs to be taken unless you are looking to work specifically with futures - commodity related securities.

Securities license designations such as the Series 7 and Series 6 require company sponsorship before sitting for these exams. Get the licenses you can get on your own. Once you are hired, your company will sponsor you for other exams, if required by your company.

Get the edge in your finance career and begin some securities license training. Do what you can to get your resume placed on top of the pile!

Nick Hunter is the President of American Investment Training (AIT) http://www.aitraining.com - a securities license training company. He writes for http://www.brokerjobs.com - A career website for incoming brokers and advisors.

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Keys To Conquering Autoimmune Disease Challenges

In todays trillion dollar society, health care is at the top of many individuals list. I find this to be especially true of those whom are faced with the battle of failing health. I'm mainly speaking about the wide spread of autoimmune diseases.

What exactly is autoimmune disease you may ask? A simple and yet most common explanation is, the disorders in which the body's immune system reacts against some of its own tissues and produces antibodies that start to attact itself. Such as you will find in patients with rheumatoid arthritis, diabetes, lupus, multiple sclerosis, scleroderma, and the list goes on.

I have been acquainted with, have studied and researched the field of autoimmune dis- eases for over 15 years. I became intrigued with such dominant passion only after I received a chilling report of being plagued with this excruciating disease myself.

Years of research have proven and led many to know and to understand that relief can be found from any circumstance. Yes, all things can be made some what better. It all starts with a decision and a determined mind. Our bodies responds graciously to a mind that aspires to getting better rather than one that implores self pity.

Of course mindset is not the only ingredient for notable changes in health. A change in our daily diet and exercise is crucial as well. We must now go from the bad sugars (table and artificial), to the good sugars (Glyconutrients), from less processed foods to more raw and whole foods, plus a daily regimen of some sort of exercise or activities.

Supplements play a major role in our well being also. Not just any type of supplements. Tremendous results have been achieved from the use of all natural supplements containing the key ingredients fucoidan, glyconutrients, and Russian adaptagens, which are all natural.

So, what are the keys to challenging autoimmune diseases? So far we have the proper mindset, proper nutrients, proper exercise, and proper supplements. One final key to add to this list would be proper rest. It is important to retire early enough to get a sufficient amount of rest. Preferably a minimum of 6-8 hours nightly. It is rest that allows body tissues and joints the time they need to repair.

Now is the time to start promoting wellness in your own bodies. Use your mind to think yourself into wellness. Don't let life have its way with you, instead have your way with life.

Choose to be a dancer and a prancer and WIN the challenge, you deserve it!

Rena Williams is a nutritionist of natural health with a well established wellness business. Her goal is to help many others achieve optimum health and reach their financial goals. Learn more about natural supplements at: www.mylimuconnection.com

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Ankle Sprains - A Physical Therapists Perspective

Introduction Sprained ankles are one of the leading causes of athletes to miss games during the season. Many times they are taped up & rushed back to the field without proper rehabilitation. More often than not, the ankle gets re-injured or worse, they end up with a knee, hip or low back injury. These injuries can be prevented by providing the proper healing time and rehabilitation. The same premise holds true for non-athletes. I have worked with a number of patients that have had multiple ankle sprains that were never given the opportunity to fully rehabilitate. The most common complaint is that their ankle turns over at any time without warning. All it takes is a slight bend in the pavement and the ankle turns. This type of injury is frustrating and can become debilitating. This article discusses the different types of ankle sprains, what to do following a sprain, and what does rehabilitation of the ankle involve?

Brief Anatomy The ankle is made up of three primary bones. The tibia & fibula, which are the longs bones of the lower leg and the talus which is a major bone of the foot. Together they make up the talocrural joint. The mobility of these bones allows the foot to flex and extend which is required for propulsion during walking. The other major joint of the ankle is formed by the lower portion of the talus and the upper portion of the calcaneus (heel bone). These two bones form what is called the subtalar joint, which allows for movement in and out (inversion/eversion). This inversion motion is the most common mechanism of injury. The ligaments are tissues that connect bone to bone. Their function is to provide stability to the joint. There are three main ligaments on the outside of the ankle called the lateral collateral ligaments. Their function is to prevent the ankle from inverting too far. The inside of the ankle is protected by the deltoid ligament, which functions to prevent excessive eversion or turning out.

Mechanism of injury - The most typical ankle sprain is an inversion sprain. This occurs when the ankle turns inward and the bodies weight compresses the ankle brining the lateral malleolus close to the floor. This excessive movement places the lateral ligaments on strain, stretches the tendons crossing the joint and can also lead to some of the tarsal bones compressing on one another. The greater the inversion force results in a more severe ankle sprain or fracture. For the purposes of this article, I will only be covering ankle sprains, not fractures.

What is the difference between a sprain and a strain? This is a common question. A sprain results from a stress placed upon a ligament. Remember a ligament connects one bone to another bone. A sprain is a partial or full tear in the ligament or at the junction of where the ligament attaches to the bone. A strain results from an excessive force or overload on a muscle leading to micro-tears in the muscle belly or tendon. A tendon is a tissue similar in strength to a ligament that connects a muscle to the bone. Both ligaments and tendons are non-contractile tissue. Only muscle has the ability to contract (shorten).

Grading an ankle sprain There are three different grades of an ankle sprain based on the severity of the injury.

Grade I (1st degree)- This is the most common type of sprain. The ligaments are overstretched but no visible tear has occurred. Microscopic tears have occurred that will heal if treated properly. Minimal swelling should occur and only minor ankle instability will be present.
Grade II (2nd degree)- This is a more severe injury and the ligament has sustained a partial tear. The ankle will typically be more swollen and ecchymosis (bruising) will usually occur. The ankle will be more unstable and painful compared to a grade I.
Grade III (3rd degree)- This is the most severe injury as the ligament has been completely torn. This is the most painful ankle sprain and will typically present as very hot and swollen with a lot of ecchymosis sometimes tracking halfway up the lower leg.
Immediate care following ankle sprain - Following a turned ankle, it is difficult to determine the severity based on a number of factors. Swelling may occur immediately making the injury seem worse than it actually is. If the ankle does not swell, this does not necessarily minimize the possibility of torn ligaments. Tenderness will usually be present on the outside of the ankle with an inversion sprain. It also may be difficult to stand on the injured foot. The safest advice would be to keep the shoe/sneaker tied tight to prevent the ankle from swelling. Keep the weight off the foot as much as possible. When the shoe is taken off, the leg should be elevated above the heart and an ice pack should be compressed against the ankle. This will help decrease both the pain and swelling. This technique is called R.I.C.E standing for Rest, Ice, Compression, Elevation. R.I.C.E is a good pneumonic for any injury to the extremities.

Should I go to the hospital? If you are having difficulty putting weight on the foot, if the swelling is severe, and the pain has not reduced after a few hours of using the R.I.C.E technique, a visit to the hospital is recommended. Prepare to wait in the emergency room for a while. Ankle sprains are not usually treated as a priority. The doctor will examine the ankle looking for joint and ligament instabilities. He/She may also order an X-ray to check for fractures. On occasion, an MRI will be ordered to assess ligament damage.

Physical Therapy/Rehabilitation It is common following an ankle sprain to be placed on crutches. More severe sprains are placed in a boot or air cast to help with ankle stability. There are four major categories of impairments that occur following an ankle sprain. These include 1. Ankle joint instability due to weakened ligamentous structures 2. Muscle weakness 3. Poor balance (proprioception) 4. Pain and swelling. Each of these impairments must be addressed for a successful rehabilitation. Physical therapists will utilize various massage techniques and modalities to reduce inflammation. Manual therapy techniques will be used to restore normal joint mechanics and to retrain the proper muscle firing patterns necessary for stability. An effort is required to normalize your walking (gait) as quickly as possible to prevent compensations. Finally, a specific strengthening program that incorporates the entire lower extremity and core muscles is provided to improve overall strength, balance and coordination. Each ankle sprain is different from the next & everybody heals at a different rate. Typically, rehabilitation following an ankle sprain can be as short as two weeks (4 visits) up to eight weeks (20 visits). This does not take into account any other co-morbidities.

Conclusion Ankle sprains if managed properly through physical therapy and a conscious effort to comply with a home exercise program are usually rehabilitated very successfully with low chance of re-injury. However, if an ankle sprain is not fully rehabilitated, the chances of re-injury with more severe damage increase greatly.

Dr. Brad Gilden, DPT, MSPT, CSCS has been practicing orthopedic and sports physical therapy over the past six years. He recently completed his doctorate in orthopedics with an emphasis in upper quarter and hand therapy. Dr. Gilden is also recognized as a certified strength and conditioning specialist. Dr. Gilden practices physical therapy in Westchester County, NY and will be joining Elite Health Services, LLC a company that provides in-home physical therapy and personal training. Dr. Gilden works with patients of all ages and rehabilitation needs. He has advanced training in manual therapy and continues to broaden his experience by taking continuing education courses each year. Dr. Gilden lectures to personal trainers, patients and other health professionals on various topics throughout the year. He is an active member of the American Physical Therapy Association (APTA), and National Strength & Conditioning Association.

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Ancestry DNA Test - Is an Ancestry DNA Test Reliable?

DNA testing has become something our society relies on very heavily for identification purposes. Everyone has different DNA so it is a unique way to identify an individual. It is the equivalent of a signature only in a genetic form that cant be altered or hidden. One of the most common uses of DNA testing is to track down criminals who have left hair, skin, or semen at the scene of a crime.

A use for DNA testing that is less familiar to most individuals is for tracking down a persons heritage. It can be hard to determine a persons heritage without the help of DNA testing. Each person is classified into one of four main groups when it comes to ancestry. Those groups are East Asian, Native American, African, or European.

Many people have some identifying features or skin colors that help to identify their particular line of ancestry. The trouble is that many people have parents from two different ancestry lines. This makes the diversification very hard to track as you start looking back on generations of mixed ancestry. With ancestry DNA it is possible to determine the dominate one for that individual.

The testing involved in the ancestry DNA process is done with the technology available today. Ancestry DNA testing involves the process of Single Nucleotide Polymorphism so that they dominant ethnic group can be identified. The Single Nucleotide Polymorphism also tells the percentage of the different ancestry groups that make up the individuals DNA.

While you may wonder why ancestry is so important to some people the reality is that it does matter. It is interesting to know where your heritage lies and for some people not knowing gives them a void they really want to have filled. This is more important to them then simply fitting into society because of their race or color.

There is plenty of debate surrounding the concept of ancestry DNA. Many experts claim it is not a reliable way to determine ones heritage. They also believe it causes issues with cultural beliefs rather than instilling a sense of their role in society. Others find these claims to be completely ridiculous and place plenty of merit in ancestry DNA test results.

There are many good ancestry DNA test locations in the world that do offer individuals the opportunity to find out where their true heritage lies. Meanwhile an independent validation method still has to be adopted before the scientific field is going to accept it.

If you found this information on ancestry dna test useful, you'll want to read this article about dna test.

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Cork Flooring Environmentally Friendly

Save a hardwood tree by choosing a cork floor for your home. Thousands of people just like you are choosing cork. Since cork is considered a renewable resource, it's the practical choice in a world that's concerned with global warming and environmental impacts. By installing cork floors, you are helping to save the environment one floor board at a time.

So now that you know the environmental impacts of choosing cork flooring, let's look at the quality of the flooring itself.

In terms of durability, cork is a very durable flooring choice. It's not as hard as hardwoods are, but many people find that it's more comfortable to walk on because it has a slightly softer feel to it.

A lot of people also say it's a warmer floor that holds your homes warmth better than traditional floorings do.

Others report that after they installed their cork floors, they noticed that the rooms were much quieter. Cork does have sound-deadening insulation qualities. If you need a floor that can absorb some of life's noises, then cork might be your answer.

Cork floors are also antimicrobial, meaning that your cork flooring is resistant to mold and mildew. That's a great feature for kitchens, laundry rooms and bathrooms.

What about the qualities of the flooring itself?

There are variety of cork floors available, offered in a wide variety of colors.

Cork flooring comes in both planks and floor tiles, available in the glue-down and in glueless inter-locking styles for faster installation without all the mess of glue.

The nice part about choosing cork flooring, is that it can be installed right over the top of other flooring or subflooring, so you don't have all the hassle of removing the previous flooring.

Are there any drawbacks to cork flooring?

Yes, there is one. Cork does fade in direct sunlight. So, never install a cork floor in a room where the flooring gets exposure to direct sunlight. It's okay if you can close the drapes when the sun is hitting the windows exposing the cork flooring. Just make sure the sun doesn't bleach out your floor by protecting it from sunlight, just like you would protect carpeting from direct exposure.

Also, cork yellows a little over time. Many floor covering will do this too though. Even the finish on hardwood floors tends to yellow over time.

Cork floors also interact with climatic conditions. If there's a lot humidity in the air, your cork flooring gets a just a little spongier. The changes are very subtle, but it's good to know that cork is influenced by humidity or the lack of it.

Why choose a cork floor?

  • Cork floors are truly beautiful.
  • Every cork floor is unique.
  • Installing a cork floor will cost you less than if you choose hardwood.
  • Cork floors last a good long time.
  • Cork flooring is a means of taking your home one step towards being environmentally friendly.

Marifer Vergara writes about flooring products you can buy for the home including

cork flooring and

bamboo flooring for FastFloors.com

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The Truth Behind Metastatic Lung Cancer

Unlike other forms of lung cancer, metastatic lung cancer is the result of a cancer from another part of the body spreading to the lungs. When a malignancy develops in the body (most often in the breasts, colon, prostate, or bladder, though almost all cancers have the ability to spread) it can sometimes spread through the blood stream. When these malignancies settle into the pulmonary tissues, such as the alveoli (the final vein-like branches of the respiratory system) and the supporting tissues of the respiratory structures, the cancer has metastasized to the lungs.

Unfortunately, treating metastatic lung cancer presents significant challenges. Since the cancer has spread from another part of the body, treatment not only involves addressing the cancer in the lungs, but also the original cancer and any other areas of the body that may have also become affected. In some cases, if the primary tumor is successfully removed and if the spread of the tumor cells to the pulmonary regions is relatively localized, then the management of the cancer by surgical techniques may do the job. However, if the metastatic lung cancer is extensive, because so many areas of the body may be under the influence of the cancer, certain treatments (such as surgery, and in many cases, radiation therapy as well) may prove ineffective. Which leaves most patients with chemotherapy as the primary treatment of choice.

Chemotherapy often uses a combination of drugs (often referred to as "anti-cancer" drugs) to kill cancer cells, though a single drug may be used as well. While the aim of these drugs is to stop cancerous cells from multiplying, they also can damage healthy cells. This is what creates the side effects that are often associated with chemotherapy, such as the loss of hair, nausea and vomiting, and fatigue. The good news, however, is that the healthy cells will generally repair themselves once the chemotherapy process is over.

Chemotherapy can provide a cure (when the cancer disappears and does not return) or help to control the cancer (to keep it from spreading and perhaps kill cancerous cells that have already spread to other areas of the body, such as is the case in metastasized lung cancer) or relieve the symptoms of the cancer (to provide the patient with a better quality of life, even in the face of a poor prognosis). How it's used in any particular situation is dependent upon the type of cancer, the stage of the cancer, the prognosis, and the plan as set out by the patient and his or her physician.

In addition, there are complementary and alternative treatments. These can include everything from proper nutrition to pain management, from spiritual approaches to natural herbs and supplements. Of course, such alternative plans will vary much the same as traditional treatments, depending on the location and size of the tumor, the age and general health of the patient, and other factors.

Metastatic lung cancer is certainly more challenging to overcome than other forms of lung cancer because the fight against the cancerous cells is not confined to the lungs. And while a cure is unlikely in most cases, in rare instances (usually when the primary tumor has been removed and the spread of the cancer has been limited), the lung metastases can be removed surgically, with a prognosis of long-term survival.

Please note that the information provided in this article is for information purposes only. It should not be used during a medical emergency or for the diagnosis or treatment of lung cancer or metastatic lung cancer. Such situations should always involve the expertise of a physician or health care provider.

David Silva is the webmaster for Lung Cancer Insights, a site dedicated to the dissemination of information about lung cancer, mesothelioma, non-small cell lung cancer, and their treatments.

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