Hats when traveling and during Festivals

 

Vacation time is here! On the beaches and resorts of the world, you will be able to see  straw hats, visors and caps  . Whether backpackers or package tourists, they all need a protection. Everybody needs a hat, which can protect you from the burning sun.

Practically, you can grab your hat in your suitcase. The so-called Packable-Crushable or models are insensitive and are therefore particularly well suited for storage in the luggage. Especially popular in the summer spooks are the skin-friendly cotton or other natural products since these are also able to roll. Panama hat or just colorful headgear may awaken your summer mood.

In our current special categories of women in the travel bug, you can find beautiful models for summer traveling for women and children. Even the  men will definitely find suitable travel headgears in the travel bug  which is thought as casual with us.

Now it's jeck! Carnival

Foolish doings ruled the country at carnival or Mardi Gras. It is also swaying in almost everywhere! What is a true Jeck? The costumes are handsome and adorned with all sorts of at least colorful and glittering ones.

This foolish mirth   certainly with the headgear for  sleeping caps, pirate scarves, western hats, etc. These are also the perfect accessory to your Mardi Gras outfit. It is also not to be despised, that you can catch plenty of caps and hats with these sweets!

Without doubt, the national carnival parades is the culmination of various carnival clubs, three stars, and many public events. Traditionally, the so-called fifth season begins, however, on the 11th at 11:11 and ends at the beginning of Lent on Ash Wednesday. Depending on the movable Easter holiday, carnival takes place every year on another date of February / March in the predominantly Catholic areas.

During the year, because of the Christmas season, it is still committed. It is very contemplative. The fools appear officially on the Epiphany, in their sessions and arrive at the carnival weekend of Carnival Monday. It is swaying and laughed until wilted. Even those who are not Jeck, can have the exuberant joy of life, the folk songs and calls in the carnival fool's strongholds which is hard to escape. The winter is distributed according to an old custom with much gaiety and confetti!

In our carnival category you will find festival hats inspiration for both large and small panels.

Jet Lag and Thrombosis risk on long-haul travel

 

You have to understand that thrombosis a blood clot that forms in the leg veins. If this blood clot may dissolve in the blood stream, for example, it may get into the pulmonary circulation and obstruct the pulmonary vessels there. The result is a pulmonary embolism.

The risk of thrombosis in long-distance travel is significantly increased by the long seats during the trip. The risk of thrombosis during long haul flights (economy class syndrome) is well known. Even with bus, rail and road trips, this increased risk of thrombosis exists. For the risk of thrombosis only for hours, to sit still is critical.

Causes of thrombosis during travel
Keeping the blood sitting motionless in the legs is one risk factor. The calf muscles do not support the transport of blood to the heart. Normally, each time walking motion, the veins are compressed by the leg muscles and thus pressed the blood upward. Venous valves prevent the blood to be pushed down. When sitting still, this muscle lacks pump and the blood flow slows down. Due to the slower flow of blood platelets, they clump together more easily to a blood clot (thrombus).

A thrombus usually remains unnoticed as long as it hangs on the wall of the vein. The clot usually dissolves after the landing, when the legs are moved again.

Tips against thrombosis
During the trip:

Drink plenty of water or juice. No alcohol, coffee or tea because of its diuretic effect.
Wear comfortable clothing
No cigarette smoke (lowering the oxygen transport in the blood)
Legs should not hit each other or pinch on the back of the front man.
Walk as much as possible, for example, in the hallway
Vein gymnastics, such as foot circle
Hand luggage ca not affect the leg.
Wear support and compression stockings

Who is most at risk?
Heavily overweight
Heavy smokers
Pregnant woman
All with pre-existing vascular disease

Especially with an already existing risk of thrombosis, you should consult your doctor before traveling. Possibly the use of a blood thinner is necessary.

Jet Lag
How to get fit to your destination

How nice it would travel, if the executive jet charter lag would not be a problem? There are many useful and useless tips on this problem. But everyone is different. It would be best if you could try which fits best as a tactic. But then, the first long-distance travel is missing a few precious days of holiday, you are tired in the hotel room. To avoid unnecessary "experiments", we can therefore recommend the following:

Coffee and alcohol during the flight MUST be avoided, even if it may be difficult for some.

It's not bad if you cannot sleep the night before your arrival with excitement. Being tired to get on the plane is good, because you fall asleep faster and wake up at your destination rested on. Sleeping during the flight is the best way to reduce jet lag

To sleep on the plane you need comfortable clothes and a small pillow. If that's not enough cushion offered by the airlines, inflatable pillow are always available for you to have.

Get off at intermediate stops and stretch legs, even if one gets the offer, while at the intermediate landing in the airplane, you must remain. During the flight, from time to time, you need to walk around, stretch your body and some light stretching exercises will do good for you.

Much water to drink
The air in the cabin is very dry. The fluid loss makes the body tired and listless. At least two liters of water during a long flight to keep fit is enough.

The facial skin becomes extremely dry. A face cream relaxes and refreshes. Similarly, toothpaste and toothbrush and a change of underwear belonging to the hand luggage are vital. On landing, you will feel much better and equally fresh.

If time and budget allow, a stopover book is good. When traveling to Australia, New Zealand and South Seas, this may take slightly more than 30 hours, you get a 1-2-day stop in Hong Kong, Bangkok, Kuala Lumpur or Singapore (depending on the airline). Big time changes are then much easier.

For the behavior at the destination, there are many tips. Some advice to adjust the daily schedule immediately, others to sleep first. We recommend: The arrival time is critical. Australia (Sydney / Melbourne) is one example, usually, early in the morning. After a leisurely breakfast at lunch time, you can lie down quietly for a few hours. Forget the good time getting up in the afternoons! In New Zealand and the West Coast of the United States, one often meets one afternoon. By evening, you should employ early and then go to bed at night. It is important to the body to impose anything. If one is tired, it is better to sleep, than to go through. After 2-3 days, you get used to the time change. Incidentally, it is true: The time change is back in Germany as well as a problem for whatever reason.

Bingo Terminology and Nomenclature
 

Bingo has its own terms as does any sport. Here is a table with the main Bingo terms put together:

Term                           Explanation
Auto-Daub                  A feature in online Bingo, the game is much easier as the balls drawn will    
be automatically marked on the cards.
Ball Door                    Through this door rolls the ball in the mechanical Bingo.
Ball Elevator               A ball Elevator is the device that the pulls the if this is not done by human
hands.
Ball Runway               Mechanical Bingo balls roll along this path to the ball door.
Bingo Markers            With this pen, the already drawn numbers are marked on the cards. There
are also online Bingo   rooms that use the mouse instead of a pen.
Caller                           The caller is the playmaker who draws the winning numbers and calls out
The balls. If you are playing online Bingo the balls drawn will get called
by a computer voice.
Early Bird Game         The Bingo game for early birds: The first round of Bingo of the day.
Free Space                   The playing cards in Bingo usually have an empty seat in the middle
which is marked with a covering sheet or a pen before the start of the
round.
Jackpot                        A large cash prize you get when you meet certain conditions, for example
if you hit a 90 ball Bingo with the first 50 numbers drawn every 15
numbers on the game card.
Lotto                           Lotto or Lotto-Match are used in certain regions in the German-speaking
countries as synonyms for Bingo.
Moneyball                   This bonus-ball doubles the profits of the Bingo players.
Multiple Winners        Multiple winners - this is the case when on the last ball more than one
person completes the required winning combination. Usually the profit is
then shared. It is also possible that the person who has already covered
more numbers on his card game, receives a larger share of the profits.
One to go                    This is a warning to other players that you only need one number for to
call Bingo!
Progressive Jackpot     A progressive jackpot grows with every game played, until it is cracked.
Then it is paid and reset to the initial amount.
RNG                           The Random Number Generator is a random number generator when the
balls are not drawn by hand. The RNGs of online bingo rooms are regularly reviewed by independent auditors.
Speed Bingo A very fast variant of Bingo, is ideal if you fancy a game, but only have a
little time.

Online Bingo chat abbreviations

Chat abbreviation     Explanation in English
1TG                             One to go, someone still lacks a number to call Bingo!
2TG                             Two to go, there are two missing numbers to Bingo!
ASAP                          As soon as possible, as quickly as possible
BBL                            Be back later, come back later
BRB                            Be right back; I'll be right back
BTW                           By the way, incidentally
CU                              See you, see you
CYA                           See you, see you
FYI                             For your information, the information
GG                              Good game
GL                               Good luck!
RF                               Have fun, enjoy it
IMHO                         In my humble opinion, in my opinion
K                                 Ok, it is clear
LOL                            Laugh out loud
OMG                           Oh my gosh, thunderstorm
THX                            Thanks
TY                               Thank you
U2                               You too, you also

90 Ball Bingo Probabilities

Bingo is a game of chance. Accordingly, no player can choose a strategy that will increase its average expected profit per dollar or Euro, at least not without the standard Bingo jackpots. Nevertheless, it is interesting to know how large the probability of a series, on two rows or a full house, is a full sheet. We have therefore the chances for the spread in Europe 90-Bingo numbers together. The graph illustrates the relationship between the drawn balls (x-axis) and the probability of finding a line, two lines or full house to get a game card:

The expectation is that you can get a line much easier than two lines or a full house. However, one must be patient for a while: In the 90 ball Bingo, it is a little more likely to complete within the first 30 balls drawn a horizontal line.
Also, the chance is very low, to achieve a full card within the first 60 balls drawn: it is only 0.12% or about 1 to 860th The full list of the detailed probabilities of 90 percent-ball Bingo, we have appended further below.
Have you read enough about probabilities and fancy a game of Bingo? Try party Bingo or Bingo Betsson. Both providers are completely in German and offer a variety of Bingo variations, so one is never bored!

Coffee and the market
 

Arabica coffee has a global market share of about 60% of the coffee produced. This type of bean has half the caffeine compared to Robusta beans contain. It is especially famous for their flavor.
Robusta has about 36% share of world production. Visual bean is different from the Arabica. This particular species is popular with the farmers because of their resilience and their shorter maturation time (compared to the Arabica).

Excelsa beans is considered rare. It was found in the Lake Chad 1904. Of all types of beans, it has the strongest growth. In particular, the ability to thrive well in drier soil and low rainfall can help you earn a satisfactory income. Nevertheless, it only has about 1% share of world production.

Stenophylla is the very small-leaved plant from West Africa (Guinea and Sierra Leone) which  can be planted up to 700 m above sea level. In Sierra Leone, this is famous as "Highland Coffee". The beans are large and round. The fruits turn black as they ripen.

Maragogype is a mutation of the Arabica bean or other hybrid of arabica and liberica bean. The beans are about a third larger than the usual coffee beans. The variety is mainly grown in Mexico and Nicaragua. This variety grows best at altitudes from 400 m to 1,200 m. Despite their size, the usual harvest is lower than other coffees. A rare roast as espresso is among other things, it offers tantalizing espresso. Maragogype has a lower caffeine content than Arabica beans. Catimor and Chari In Vietnam is offered as Ca phe sua Dá coffee mix. It is a known mixture of species of Robusta, Arabica and Chari Catimor. This is a very dark coffee with a slightly nutty-chocolate taste. This coffee blend contain varieties in different mixing ratios and include less frequently Liberica Excelsa beans. Mixtures containing the above are lesser known species of coffee in the world market. These are included, outside of the country Vietnam, as import items in Asia. Chari has very low caffeine content than natural decaffeinated coffee available.

The rarest and most expensive coffee in the world is the Indonesian Kopi Luwak: civets eat coffee cherries and excrete the beans, the taste is due to the intestines of the animals that can change the fermentation.

Generalities and Anatomy Pancreas

 

Anatomy

The pancreas is a gland located in the upper abdomen between the small intestine and the spleen. It weighs about 80 g and is 14 to 18 cm long. It is not really within the abdominal cavity, but very far back in front of the spine. Therefore, it is not covered by other organs of the gastrointestinal tract lining the abdominal cavity.

The gland is divided in the head (caput), body (corpus) and tail (cauda).

Function

The main task of the pancreas is the production of digestive enzymes and digestive hormones. The hormones in the pancreas are released directly into the blood (the so-called endocrine secretion). These enzymes include proteins that can actively disassemble food.

Localization of the pancreas in the body

The gland runs along the pancreatic duct and the enzymes reach their target site in the small intestine. These enzymes are very aggressive substances as they are formed by the fragmentation of food components. The pancreas thus has effective safeguards against self-digestion: protein-cleaving enzymes (peptidases) such as trypsin and chymotrypsin are inactive precursors. The conversion to "biologically active shearing" occurs in the small intestine (it is performed by an enzyme called enterokinase). This also activates other hormones. The pancreas also contains starch-splitting enzymes (amylases), fat-splitting enzymes (lipases) and nucleic acid-cleaving enzymes (ribonucleases, which are used for the digestion of nuclear components). These enzymes work best in low acidity environments (pH = 8). In the small intestine, they are modified in 1-2 liters of an aqueous bicarbonate fluid (= neutralizer). The pancreas is mainly responsible for this so-called exocrine function. The exocrine function is defined as the production of enzymes for the digestive tract.

Similarly to many other glands, such as the thyroid gland, the pancreas is divided into lobes, which are separated by connective tissue. The connective tissue paths within the pancreas are supplied with blood vessels, nerves and lymphatic vessels. The enzyme production is carried out by specialized cells (acini).

The special feature of the many small excretory vessels in the pancreas is that they also have another function: they are responsible for the neutralization of the stomach acid. This is facilitated by the production of pancreatic fluid.

On the other hand, the pancreas only plays a small role in hormone production. It is also known as an island institution: these cells are arranged in groups and scattered throughout the gland. There are roughly 1 million islands in the rear part (the so-called tail). The hormone insulin is the most important (with a share of over 80%). Its task is the inclusion of sugar. The absence or deficiency of this hormone leads to diabetes (diabetes mellitus): the blood is not saturated with recycled sugar.

The insulin-producing cells are called B-cells. A cells, on the other hand, produce a hormone called glucagon. This hormone ensures the supply of sugar from the liver. So the internal organs always receive a sufficient supply (especially the brain, which is dependent on sugar and not necessarily other food components).

Only a very small proportion of this hormone is spent on those mediators responsible for the regulation of the pancreas. The hormones that have an inhibitory effect on insulin and glucagon production are those produced by the D cells: somatostatin as well as the digestive enzyme-producing (exocrine) pancreatic polypeptide (PP).

GH and the anatomy of the autonomic nervous system are specifically responsible for the regulation of enzyme release (the autonomous nervous system is an independent nervous system also known to control the unconscious processes that run in the body). The parasympathetic nervous system, the autonomic nervous system and the hormone cholecystokinin (CCK) stimulate the enzyme production. Secretin also stimulates the release of water and bicarbonate by the cells of the pancreatic ducts.

Both secretin and cholecystokinin are formed by specialized cells - the so-called S cells and I cells. These are interspersed among the epithelial cells throughout the gastrointestinal tract (particularly in the small intestine) and are collectively referred to as enteroendocrine cells (according to the main producer of these hormones).

The entire digestion process and the sugar balance of the body are regulated by self-controlling mechanisms through this complex interplay of various regulations mechanisms. This principle applies to various parts of the body, including the thyroid gland.

The Proper Implementation of the Equipment Room for Your Pool

 

Discover all the information on the location of the equipment room, which is a crucial element in building a swimming pool. You have several options when it comes to the equipment room, which determines the good operation of a swimming pool.

The equipment room can be installed either in a shelter specifically designed for this purpose or in a box buried near the pool, in your garage or in the basement, depending on the configuration of your property and on the location of the pool.

The imperatives of the equipment room

The engine room is the heart of the pool in some ways. It is used to accommodate all the equipment and plumbing necessary for its operation like the water treatment system (filter, pump, electrical panel, transformer, collectors, etc.). As such, it must be dry, ventilated and large enough to allow proper maintenance (e.g. changing the filters).

The dimensions of the equipment room

The dimensions of the equipment room are more or less important. They are dependent on the size of your pool, the space you have at your disposal and of course, on the equipment you plan to install in the long term such as a water heater, for example.

Future projects should also be considered when establishing the location and size of your equipment room.

The equipment room can also be used for the storage of various materials such as treatment products, brooms, robots but also games and swimming accessories (mattresses, inflatable balloons) or deck chairs and cushions. You can store all these things here if the weather is bad, at night or in low season.

In this case, the equipment room can be a small house adjoining the terrace of your pool that fits perfectly into the environment. It can be divided in two areas: one where you accommodate the equipment and pool supplies and another one where you store the rest of the things.

Then, you need a plan to gain extra space to install a summer kitchen, a bar, a barbecue in the long term and so on. Make sure your pool and terrace are a real living space for the whole family.

Above ground, half-buried or buried equipment rooms

You have several options when it comes to the choice of the location of your equipment room.

The above ground engine room

If the equipment room is located above the level of your pool, the pump is not primed. Therefore, you should opt for a self-priming pump with a high enough flow rate as compared to the volume of water. The above ground engine room has the advantage of providing greater accessibility to all the equipment used for the treatment of the water, thus facilitating maintenance.

The half-buried engine room

This intermediate solution is significant from a technical point of view. The pump is located below the water level so it cannot fall off. Access to all the water treatment equipment is easy after lowering the water level in the basin by a few tens of centimeters.

The buried local engine room

This solution ensures the smooth flow of the water, which is safely defused by the pump. But beware of leakage because the water in your pool may flood your engine room... Interventions particularly on some valves are also difficult because of the presence of water in the circuit.

Other types of engine rooms

Pool kits with a technical precast can be installed at the same time as the pool structure. The engine room adjoining the basin is buried thus avoiding the digging of trenches for drains and pipes. The pass-through equipment room is quiet and some manufacturers even offer a foot bath with a shower. Prefabricated plant rooms are also used increasingly. They comprise a hull made of polyester and a cover so that you can access all the pieces of equipment necessary for the pool to operate properly (pump, filters, valves, electrical box, etc.). Options such as water heating can also be added. Buried a few meters in the ground, the visible part of the prefabricated plant room can easily be concealed.

Play Freeroll Tournaments

 

Why play freeroll tournaments?

Freerolls are preferred by modest players. Remember that freerolls are not for players who want to improve their playing technique or those looking to have fun playing poker. Only the prize pool is interesting. Generally, there are no winnings in a freeroll. By cons, it is not uncommon for them to provide opportunities to participate in tournaments where the stakes are much more motivating.

You will meet players belonging to the following categories:

- Players who do not care about tournaments
- Players who do not know any poker rules

A freeroll is an opportunity for poker players to break free from the constraints of the game, so do not expect to see spectacular poker games.

The first phase of a freeroll tournament:

The pre-flop

You will find it difficult to determine your opponents to fold during this phase. The chances that you get a very good hand against the flop are average. Therefore, you should expose your "monsters" in this phase of the game regardless of your position and even if a bet was placed before you.

In middle and late position, you will have the opportunity to go all-in with an AQ and JJ combination if no one has raised the bid before you.

If you are in late position, you can play with small pairs (pay only the big blind) and with connectors (similarly colored cards in sequence).

On the flop

Fold if you have not cashed in. Stay in the game only if you have two pairs or better! Also bet if the jackpot is large and if you have a flush or straight (on both sides)!

Bet if you have high pairs (the highest card in your hand and the flop) and if there are only two opponents in front of you (or one, of course)! By cons, bet with caution if there are more than two.

The late phase

This phase starts when players have an average of 20-25 blinds. In this case, you have to raise or fold. If an opponent raises before or after you and your hand is strong, call it!

Watch out for stacks: Make sure you have strong cards because otherwise, you will lose your stack.

Be careful if you are facing big stacks that you could be eliminated from the tournament. Poker tournaments strategies are different from cash games. Refrain from playing against them unless of course, you have a very strong hand.

Do not make unnecessary bets and save your chips.

The pre-flop

Raise four big blinds with strong hands - AA, KK, QQ, JJ and AK - in early position. If another player has already raised the bet, follow.

If you have three times the big blind with an AQ or AJ combination, fold. The same holds true if you consider that the amount of the carpet is too large or if you notice that one or more players have placed an ante bet before you.

In middle position, you can add 99 and 10 and you can re-raise.

So, remember: Raise in pre-flop and then restart, depending on the position. Fold if you have an AQ or AJ combination.

On the flop

The hands are arbitrary on the flop. The pot is often significant and you cannot change your mind if you have bet too much.

If you raise on the pre-flop and if there is only one opponent left in the game, you can win half the pot.

Re-raise if you have a high pair or more. The same goes for flush draws.

Act the same way if you have nothing, but hold two cards of a value above that of the cards on the table (also known as community cards).

The long awaited moment has arrived: The final phase!

The final phase

Be happy when you reach this stage because this is not consistent with each party. Now you calculate the payouts without forgetting those who helped you arrive in this final stage.

Behave the same way in the finals as you did in the late phase.

However, focus on your position at the table in the final stages. Bet to win the jackpot when no one has been paid out before you. You will often get the chance to collect the bet if you make the first move (bet).

As for the re-launch of the early and mid-table, remember that they are often in possession of a hand. If there is a raise in early position and when you are in possession of the combinations AA, KK, QQ, JJ, AK, then you should raise, too.

Do the same at the mid-table by adding AQ, 9-9 and a pair of tens.

Leaves in the Aquarium

 

Aquarists who pursue their hobby with passion must consider the nature of the biological system they create in the aquarium. This article teaches you about the positive effects of leaves and the leaf varieties that are suitable for shrimp.

The positive effects of foliage

Foliage has three positive effects. The most obvious is that it is often used as pasture and food by the shrimp in the aquarium. Even shrimp living in natural waters count on this food source. The trees shed their leaves on the banks, which then go into the water, disintegrate and serve as food.

Another reason why leaves are often introduced in a shrimp aquarium is because they provide ideal hiding places and refuges. Bearing females in search of peace benefit a lot from this. It is almost obvious that shrimp like grazing and use the piles of leaves in the aquarium as hiding places. Foliage can contribute to the reduction of the number of germs in the aquarium gravel. Moreover, the pH value can be reduced through the use of foliage. This means that the water quality improves and the risk for disease is lower.

The storage of leaves

It is important to know that only dead leaves can be introduced in the aquarium. Therefore, it is advisable to store some in the fall for the rest of the year. You will find out a little later what types of leaves you can select. You should store the leaves in a sheltered spot to avoid high pollutant concentrations. The stored leaves should be dry so that they can be stored easily. Basically, you can use fallen leaves from the tree and dead leaves that hang on them. The cleaning may be easier if you choose the latter solution because they contain more valuable ingredients.

You can also buy foliage from pet stores if it is too expensive to store the leaves. It is cheaper to walk around with a bag and collect leaves in the autumn. Perhaps you can find dandelions or nettles along the road when taking a random walk. The leaves of these plants are perfect for shrimp. Nettles can also be offered as a treat.

How to place the leaves in the aquarium

The first problem with introducing dry leaves in an aquarium is the following. Dry leaves do not sink very easily when placed in the water. You should soak them in a separate bucket for a day or two first. You can boil the leaves boil briefly if you want to play safe. These measures may have undesirable impurities are removed and the leaves fall off too quickly in the aquarium. Once you introduce the leaves in the aquarium, you can leave them there for a few weeks. The shrimp will quickly pounce on the piles of leaves. You should remove the remnants when the leaves fall too much. Then you can put new leaves in the aquarium and both you and the animals will be happier. Fresh dry leaves are also more appealing from a visual point of view.

Deciduous varieties and their characteristics

Not all deciduous varieties are suitable for use in shrimp aquariums. The use of dried leaves of ornamental and house plants should be avoided. You should make sure you choose the right plants. Here are the types of leaves you can introduce in the aquarium. The list is not exhaustive.

Beech leaves: They are often found in the vicinity of forests. The leaves of the beech tree are relatively small measuring up to 10 centimeters in shape. They have an oval shape and a wavy leaf margin. They often turn reddish brown in autumn. This coloring makes them popular among aquarists. In addition to this, the foliage of beech trees is also quite resilient and does not decompose as quickly as some other deciduous varieties.

Oak leaves: The oak tree is also a relatively common tree in the American forests. Almost every child knows the leaves of this tree. They are striking, especially due to the numerous undulating appendages. Oak leaves also live long in aquariums.

Walnut tree leaves: Walnut trees can be recognized by the large pinnate leaves. Of course, they can also be recognized by the nuts, which are ripe in late summer. Walnut tree leaves are a deciduous variety excellently suited for use in shrimp aquariums. The leaves contain a lot of tannins, which have an antibacterial function and thus improve the water quality.

Catappa leaves: Catappa leaves cannot be found in the American forests, but they can be bought from the pet store. They have very positive effects on the water quality, so this investment pays off nicely. Catappa leaves also contain valuable tannins that can act as a disinfectant.

Advice for a Better Investment

 

New regulations are being considered- changes in the law of the United States of America

There are shortcomings in the investment advice area since the financial crisis is being discussed increasingly. Many investors have complained after they suffered heavy losses on their investments because of the financial crisis. The complaints have resulted in a discussion on improving investor protection, the quality of investment advice and avoiding of false and incorrect advice on all major markets.

Sale takes advice

In Switzerland, the complaints relate to less "ordinary" stock and bond funds rather than more complex investments such as structured products. Therefore, it is likely that many investors get their certificates but do not really understand the risk of bankruptcy of the issuing bank. But not all complain about the face value. For instance, it is only natural that investors are looking for culprits and redirect the responsibility towards the banks to receive compensation. "According to their risk profile, customers have been advised about the progress with barrier-reverse products with yields from 8% to 12% for years and then complained about too high risks, so they were rejected", says Ford.

 The remediation of the defects in the investment advice area is sought through the "Regulation of production and distribution of financial products to private customers". Up to May, 2, the opinions were contrary to the proposals. There is no specific timetable for action says spokesman Tobias Lux. The supervisory authority will inform people on the progress this year.

An information gap and an imbalance between the forces of financial services and retail were found in the analysis of the situation in the autumn. It was said that poor decisions were being promoted both by short-term thinking in financial services as well as by excessive demand and good faith with customers. It had been assumed that the financial service providers that sold products would only pursue the clients' interests, which does not or do not always apply.

So the customer understands that there may be conflicts of interest. It is now mandatory that the financial service providers in the Unites States of America educate their customers on the trailer fees they receive from the sellers if they sell their products. In Switzerland, banks often point out that they check the quality of the products and then recommend only the best in a category.

Some market participants believe it is possible or likely that any change runs roughly parallel to those that were recently introduced in the United States. However, the United States of America have to deal with faded unintended side effects of the protective measures that come from the administrative costs and the complexity of the new rules.

One of the main changes in investor protection in the United States introduced by the beginning of 2010 is the mandatory logging of all consultations. The protocols must be given to the customer and the products are sold only if the customer has signed the protocol. However, some industry experts believe that the papers would be written by the consultants to meet the legal requirements, but ultimately a lot of time would be needed for compliance with the formalities. Tom Frisk, manager of the property VZ center in the United States, believes that the implementation successes often come by default after a high administrative effort, but in fact do not bring the desired improvement in the quality of advice.

A second change concerns the so-called "package insert" that must be made mandatory from this summer. The Financial Services deliver standardized information about your product. The intention is to make the offers of different houses comparable. But now, the critics complain about the fact that the so-called KIDs (Key Information Documents) are no better than the traditional and highly customizable fact sheets that the provider issues anyway. Matthew Denser, Director of the American Funds Association, believes that investors will have to check the customized fact sheets more than at the KIDs, which only have to be updated once per year.

Avoid paternalism

Good advice is now given according to the financial risk profile of a customer and then only products that match the risk appetite and fit into the investment portfolio are recommends. This also means that the client is quickly assigned an internal category from the bank of to which he is then bound.

Visit www.dowaverage.com for a better understanding of investments and stock market index. Basically, the customer should also understand the product he buys. But the demand for the understanding has its limits. "Otherwise, a customer who understands little about finance will not invest in anything in the end", says bank manager Harry Ford. A "good" investor protection must find a balance between the extent of information on risks and the possible conflicts of interest, without manifesting a tendency towards paternalism and then towards administrative decay.

Fine Cocktail Recipes

The Zombie recipe

3 cl of white rum
3 cl of Meyer's rum
2 oz of high proof rum
2 cl of cherry brandy
1 cl of lemon juice
1 cl of grenadine
4 cl of orange juice
4 cl of pineapple juice
1 lime quarter

Put the ingredients in the shaker together with ice cubes. Strain into a glass and add one third crushed ice. Squeeze the lime quarters over the drink. Serve with a straw.

Mojito

Mojito also moves into the ranks of the most popular cocktails after the Caipirinha. This is undoubtedly due to the refreshing mint, lime and fruit combination, which make it a typical summer cocktail.

The Mojito recipe

6 cl of white Cuban rum
Crushed ice
Soda water
Fresh mint leaves
Brown sugar
1/2 lime
4 cl of lime juice (lime syrup)

Add the fresh mint leaves and half a lime into a glass and add the cane sugar. Stir them in the glass. Add the Cuban rum and 4 oz of lime juice (or the juice of 1/2 lime) and mix with plenty of crushed ice. Finally pour in the soda water and garnish with a sprig of mint.

Bloody Mary Cocktail

The main components of Bloody Mary are vodka and tomato juice - two parts tomato juice on some vodka. Round out the drink with salt (celery salt), pepper, lemon, Tabasco and Worcestershire. The alcohol-free variant is called Virgin Bloody Mary or Virgin Mary.

The Bloody Mary recipe

5 cl of vodka
10 cl of tomato juice
1 dash of Worcestershire
1 dash of Tabasco
Salt and freshly ground pepper
A little lemon juice
Ice cubes

Place all ingredients in a shaker and mix vigorously with some ice cubes. Strain into a highball glass or tumbler with some ice cubes.

The Caipirinha recipe

4-6 cl of Cachaca
1/2 lime
2 heaping teaspoons of cane sugar
Crushed ice

Half the lime is cut into small pieces (1/8) and crushed and the sugar is put in a stable glass.
Then the glass is filled with crushed ice, the cachaca is added and everything is stirred. In Brazil, Caipirinha is made with white cane sugar.

Wash the lime before processing. Cut the ends of the lime to prevent any bitter substances from affecting the flavor.

Caipirinha

Country of origin: Brazil.

Favorite fruit: limes. Also, crushed limes, lemons, oranges and mint leaves.