The Miracle of Tea Tree Oil for the skin

Tea tree oil is an essential oil obtained by steam distillation of the leaves of Melaleuca alternifolia, a plant native to Australia. Historically, the leaves were used as a substitute for tea, which is how tea tree oil got its name. The part used medicinally is the oil from the leaves.Tea tree has a long history of traditional use. Australian aboriginals used tea tree leaves for healing skin cuts, burns, and infections by crushing the leaves and applying them to the affected area.

Tea tree oil contains consituents called terpenoids, which have been found to have antiseptic and antifungal activity. The compound terpinen-4-ol is the most abundant and is thought to be responsible for most of tea tree oil's antimicrobial activity.



For Health

• Use a dab to treat acne.
• An anti-fungal for treating Athlete’s Foot, eczema, various yeast infections, etc.
• An antiseptic to be used on cuts and burns.
• An anti-viral: it may lessen the symptoms of colds and flu. Try using a few drops in the bath.
• Add to a vaporizer to loosen chest congestion.
• Add a small amount to shampoo to destroy head lice.
• A small amount added to your bath can help with persistent body odor.
• Treating sinus infection.
• For dandruff and dry scalp.
• In the form of aromatherapy, tea tree oil is used to treat colds, persistent coughs, acne, toothaches, and sunburn.

For Cleaning

• To create an all-purpose cleaner, combine 2 teaspoons of tea tree oil in 2 cups of water in a spray bottle.
• Another version would be 14 ounces of water with 1 ounce of Murphy’s oil soap and 10 drops of tea tree oil.
• Mix the above solution with kosher salt to scrub bathtub and bathroom tiles.
• Add a few drops to dishwasher dispenser, then fill with a green dishwashing soap.
• A few drops added to each load of laundry leave your clothes smelling cleaner.
• Control mold with a tea tree oil/water spray.
• Remove mustiness with that same tea tree oil/water spray.
• To keep germs at bay, spray it on high chairs, car seats, and other high traffic spots.
• 15 drops in a quart of water can be an effective insect repellent.
• Be sure to take some with you when hiking and camping to put directly on insect bites or blisters.

Tips Save Money by Refinancing Car Loan

People go to great lengths in order to save even a little money. We clip coupons. We drive halfway across town to buy things on sale. We look for deals online. We buy in bulk. There are many different ways to save money, and comparison shopping is a great place to start. If you compare prices before buying, you're more likely to find a lower price for whatever it is you need.

You may be familiar with the term “refinancing” because of your mortgage. A lot of people choose to refinance their mortgage because it saves them quite a bit of money. However, what most people don’t know is that they can also refinance a car loan. It’s an idea that’s thrown around pretty often among car buyers, but it’s seems relatively new for the rest of us. Good thing to know though is that car loan refinancing is a lot easier than mortgage refinancing – the papers, requirements, the process in general isn’t as stressful.

Here’s some information you need to gather first.

• Go online and research for a lender that offers an online application so you can apply for car refinancing and get a decision back immediately.  
• Determine if the offer presented by the lender is a lower interest rate than you are currently paying. You should also determine what options you have for shortening or stretching out your term to maximize savings.
•  If those terms are suitable to you, complete your paperwork online and return any necessarily documents needed to the online lender.
•  The online lender will payoff your existing loan and you will have a new, lower interest and lower payment loan with the new lender. 

If you have decided to refinance your car loan deal, do not forget to gather the information asked above. Also, don’t forget to do a lot of research, the best deals often need to be hunted down.

Black seed fights harmful bacteria, fungi and parasites and fight cancer cells

According to the National Institutes of Health, the overall health-promoting effect of black seed oil has been confirmed through many separate studies. Mohammad Tariq writes in the July 2008 issue of The Saudi Journal of Gastroenterology, black seed oil has been found to be effective at helping the body fight harmful bacteria, fungi and parasites, can help reduce inflammation, can help treat urinary disorders, can function as a natural painkiller, can reduce high cholesterol levels, and can even help your body fight cancer cells.

Recently scientists around the world have confirmed the anti-bacterial and anti-mycotic effects of black seed oil. Health practitioners in various countries around the world are using the oil against inflammation of all sorts as well as fungi infections.

Even a remarkable reduction of blood sugar levels has been found by scientists. Black Seed extracts have been found help to stimulate bone marrow and immune cells, so writes the scientists of the Cancer Immuno-Biology Laboratory and adding that it raises the interferon production, protects normal cells against cell destroying effects of viruses, destroys tumour cells and raises the number of anti-bodies producing B cells.

All these functions make the Black Seed oil the ideal candidate for the prevention and treatment of cancer. Scientists are now busy finding the effects of the Black Seed oil in regard to various other human health conditions. Dr.Med.Peter Schleicher, an immunologist, in Munich who in 1986 happened to be nominated the youngest member of the World Academy of Scientists, examined black seed oil in his institute to find new therapies for chronic illness and its effect.

His findings are identical to those in previous studies by earlier researchers. Schleicher says, by using Black Seed oil, valuable unsaturated fatty acids, for example Linoleic and Gammalinolen acids, get into the organism. By that it is possible to reach a synthesis of important immune regulating substances derived from Prostaglandin E1. Linoleic acid stabilizes the cell membranes and Prostaglandin has the effect of inhibiting inflammation.

By that the immune reactions are stopped which cause the illnesses and which otherwise could be the start of many many chronic illnesses like acne and hayfever right up to cancer. In addition, the excessive T-cell function of the person suffering from allergies are stabilized through the substance in black seed oil and the abnormally rising immune reactions through supressed anti-bodies. The excessive immune system is normalized and the large cell degranulation decreased.

Studies also testify that an immune system which has gone wrong can again be regulated by the strong effect of the oil. Schleicher, meanwhile, has tested the effect of the oil on 600 patients. As a result he confirms the cure for allergies at about 70% of the patients. Amongst them are allergies against pollen and dust, acne and neuro-dermatological illnesses, asthma patients, etc.. who generally have a weak resistence and are prone to suffer from infections. For that reason Dr.Schleicher in Munich is going to include the oil with his preventative treatment against colds and influenza.

In the Middle East and South Asia, this oil has been used for thousands of years as a remedy for all sorts of allergies, inflammation and menstruation problems, boosting moral, depression; but especially against bronchitis, asthma and neuro-dermatitis as well as poor digestion and even impotency.

In the West the effect of the oil has been used for a long time against wind, dysentry, stomach and lung disease, jaundice, diuretic problems and to increase nursing mother's milk. Due to the triumphant advances in chemistry the oil has been forgotten until recently. According to Dr. Schleicher the reason why this oil is so exceptional is that its component parts act in unison to produce an optimum effect for so many complaints. But one has to make sure that only the pure and tested oil is being used.

Schleicher's colleagues have reacted very positively after the publication about his success with patients who have used the oil. Professor G. Rietmuller, Director of Institute for immunology at the University of Munich believes that this plant extract works positively on the immune system and could be used as a bio-regulator. Professor Michael Meurer of the Dermatology Clinic in Munich has for a long time been convinced about the success of this oil. From his experience the oil help stop inflammation and helps with neurodermatitis.

Cancer Prevention
One study found that black seed extracts protected healthy cells and destroyed tumor cells while increasing the levels of antibodies in the body. It also contains antioxidants, boosts the immune system and has anti-inflammatory properties, all key components of cancer prevention.

High In Antioxidants
Black seed oil contains powerful antioxidants that help prevent oxidative stress to cells and the cardiovascular system, including thymoquinone, which has shown to protect against heart, liver and kidney disease in animal studies.

Anti-Inflammatory
Studies show that black seed oil can help reduce inflammation. Applied topically, black seed oil can ease the pain of cramps and relieve muscles spasms.

Antihistamine
A natural antihistamine, black seed oil has been shown to destroy microorganisms in lab tests.

Antibacterial
Research shows black seed oil has the ability to destroy different bacterial agents in the digestive tract, including candida and E. coli.

Blood Pressure
Many studies have shown that the substances in black seed oil can help reduce blood pressure.

Allergy Relief
A study of 152 patients in 2003 showed that black seed oil helped reduce symptoms of allergies and may be an effective treatment for allergic reactions. Another study of 600 patients found that black seed oil relieved allergy symptoms in 70% of the cases.

Diabetes
Studies found that black seed oil helped reduce blood sugar levels. This may help diabetics balance glucose and insulin levels after meals.

Respiratory Health
Black seed oil has been shown to be effective for treating asthma and reducing the symptoms of respiratory infections like coughs and bronchitis.

Digestive Aid
Black seed oil helps the body process toxins, stimulates stomach bile and can act as a laxative.

Insomnia
Studies show black seed oil can help eliminate sleep disorders when taken internally before going to bed.

Use Natural Remedies Psoriasis Treatment

Psoriasis is unlike other skin conditions, many of which are caused by external irritations. Psoriasis may be one of the oldest recorded skin conditions. Plaque psoriasis is the most common type of psoriasis. About 80% of people who develop psoriasis have plaque psoriasis, which appears as patches of raised, reddish skin covered by silvery-white scale. These patches, or plaques, frequently form on the elbows, knees, lower back, and scalp. However, the plaques can occur anywhere on the body. Unlike skin conditions that are the result of external causes, psoriasis is an autoimmune disorder.

Drug treatments are much the same as for rheumatoid arthritis, and include steroids and biologics that depress the immune system. These treatments come with a high risk of side effects, and the prohibitive cost puts them out of reach of many people. While this condition is not life threatening, it has a profound effect on the peoples lives, self esteem and confidence.Psoriasis is a wide spread skin problem that causes great discomfort, sleep problems, and greatly diminishes quality of life for those who suffer from it.

Here are some natural remedies and some additional health bonuses you can enjoy from using them:

Apple cider vinegar: 
Also apply to skin to remove warts and age spots. If taken internally, apple cider vinegar can help to cleanse the liver, lymph system, and help balance out the body’s alkalinity.

Dead sea mud: 
In addition to exfoliating skin, black dead sea mud also helps to maintain healthy looking skin and improves circulation. This special mud is a heavy duty moisturizer and can be used to also treat eczema and acne.
Olive oil: Applied topically, olive oil rejuvenates and repairs skin but also yields significant health benefits if taken orally such as reducing the risk of heart disease and aiding in digestion.

Goldenseal: 
Goldenseal has dozens of other uses including aiding in digestion, antiseptic properties and promotion of healthy heart function. Nausea, vomiting, and night sweats can also be treated with this ancient herb.

Epsom salt: 
Bathing in Epsom salt can help with skin inflammation and rashes in addition to psoriasis and has the added effect of relieving joint pain, muscle pain, and fibromyalgia.

Comfrey:
Comfrey stimulates rapid skin regeneration so effectively that it has been used frequently by battlefield medics. Comfrey is also used to treat diarrhea, dysentery, mouth sores, and promotes cardiovascular health.

Aloe Vera: Psoriasis can be effectively treated using the gel from this plant which is also widely used to relieve traumatic burns and overexposure to the sun. Aloe Vera can also be used to treat skin abrasions and acne.

Coconut oil: 
In addition to being an effective treatment for multiple skin problems including psoriasis, coconut oil can also be used for healthy hair and promotes heart health. Data shows that coconut oil, if ingested regularly, can promote brain health and prevent Alzheimer’s disease.

Dead sea salt: 
Studies show that all the symptoms of psoriasis can be alleviated by taking dead sea salt baths. Muscle relaxation is another plus and even people who suffer from osteoarthritis have reported having reduced pain as a result of trying dead sea salt.

Tea tree oil: 
Other skin conditions such as boils, acne, and warts can be effectively treated using this essential oil as well. Soar throat, congestion, dandruff, and lice are also treatable using tea tree oil.

Sunlight: 
Calcium and phosphorus absorption are aided by the production of vitamin D resulting from sun exposure, helping to promote bone health as well as skin health. Sunlight has been shown to help with depression as well.

Neem leaf oil: 
Neem leaf oil can also help with head lice, eczema, and scabies.

Tips To Get The Right Personal Loan

You've got to repair your car, or buy a new refrigerator or make payments for college tuition. Or it has always been your dream to renovate your home in a particular style, perhaps to develop an organic farm around your home, or take a cruise to Alaska with your family.
For all of these expenses that are major enough to warrant a loan but minor and personal enough not to take a home or business loan, there is a personal loan. This is a short-term loan designed to be a quick-fix payment on sudden expenses that are personal in the sense that they relate to your household and family.
Anyone with a generally good credit history can apply for a personal loan. There are two types. Usually personal loans come in the form of unsecured loans. This means that there is no collateral or security offered. So you don't need to mortgage your house against the loan, for instance. This is useful for someone who does not have unlimited assets. Since this is risky for the lender, the rate of interest is high. And non-repayment of the loan with the agreed interest will usually involve taking recourse to the legal system.

On the other hand, there are secured personal loans. As the name suggests, they are offered against an asset like a car or property, or anything else that has a monetary value attached to it. Due to this the loan has a low rate of interest. And in the case of non-payment of the loan amount with interest, the collateral is simply confiscated. The terms of the loan are dictated by the kind of collateral offered. They get easier as the value of the security offered is higher.

If you are looking to get a personal loan, get in touch with your bank or any institution that offers this service. You should shop around a little bit so that you can get the best deal that suits your needs. You should have your eye on the interest rates, the length of term, additional services and the fine print. You could even try to negotiate for a better deal based on your income and collateral in case you choose a secured loan.

You will have to fill out the paperwork and offer proof of your residence, work and identity. And finally set up a savings account, if you don't already have one to receive the loan and through which to make your repayments. Once the bank is satisfied with your background, only then will you be approved for the loan.

  Source : Ankita Ramesh Mathur

Top 10 Best Men's Fragrances

Best Fragrance perfumes and top 10 Colognes for men. Attractive and cool Perfumes and scents for 2012. Perfumes are loved equally by women and men. They also are said to be personality maker in front of your boss and your friends. Perfumes are made from different extracts from plants and animals and an aroma for smelling good when one wants to be in a meeting or at a party so that men don’t stink bad in that or in front of her girl friend.
Colognes have been used for decades and it has become a necessity for life now. men are really worried about which fragrance to buy so that are able to smell much good to other people.We have gathered a list of the Top 10 Best Perfumes for Men  you should and must buy.

All these perfumes are from renowned brands and you should not feel hesitant buying these great colognes for men.

212 by Caroline Herrera

• This sophisticated and smooth cologne comes from fashion designer Herrera. She casts aside tradition and imbues this fragrance with grapefruit, ginger, mandarin, sandalwood and musk, with a hint of aqua.This Caroline Herrera fragrance is heavenly, to say the least. The aroma is sophisticated and created especially for formal parties or dinners. Scents like ginger, musk, grapefruit and sandalwood come together to create this divine cologne.

Acqua Di Gio by Giorgio Armani

• A sensual, masculine scent that mixes fresh bergamot, green tangerine, jasmine petal, crisp rockrose, rosemary, fruity persimmon and patchouli, followed by aquatic nuances. This is an all-time favorite. Giorgio Armani Acqua di Giò for men is the perfect blend between sensuality and masculinity. It is very pleasant for almost any nose, especially that of a woman, and manages to stay fresh and chic year after year. It never seems to amaze me to learn that it is the No.1 fragrance in the US.

Acqua Di Parma Colonia

• This classic cologne is fresh, masculine, straightforward and natural. Its sophisticated fragrance of lemon, bergamot, lavender, verbena, rose, patchouli, sandalwood and oakmoss is best suited for the office. When you look for a classic smell, you will definitely win the lottery with this one. This fragrance provides a smell that comes from the essence of masculinity. For all those who love a light and sophisticated classic smell, buy it while quantities last.

Cool Water for Men by Davidoff

• A great daytime fragrance with hints of lavender, rosemary, sage, jasmine, oakmoss, musk and sandalwood, with an overall aquatic scent. This one will make you stand out.

Curve by Liz Claiborne

• Women tend to like this scent on a man, and it stays with you throughout the day. It has top notes of lavender, clove and bergamot, a hint of musk and lime, and a base of citrus, sandalwood and cedar.

Obsession by Calvin Klein:

• If you tend to stick with just one cologne, this classic masculine scent is a great option. Obsession by Calvin Klein was introduced on market in 1986 and was recognized as an exclusive perfume for men for its woody kind of fragrance and oriental touch of smell. This cologne has the perfect mixture of amber and lavender and is mostly used for office use and meetings.It has a base of leather and sandalwood, top notes of bergamot, lemon and rosemary, and a hint of amber and patchouli.

Eternity by Calvin Klein

• This is a great everyday cologne and like the name suggests, its scent won’t fade. If you think the female counterpart of this fragrance is mouth-watering, you should definitely add this cologne by Calvin Klein to your wish list. The scent is elegant and will remain on your outfit no matter how many times you wash it, hence the name! Sandalwood is delightful by itself but when it merges with the likes of lavender and rosewood, it gets even better!

Jean Paul Gaultier by Jean Paul Gaultier

• This warm, manly fragrance is a great choice for casual use with notes of fresh mint, lavender, orange blossom and woods.

Paco Rabanne 1 Million

• Women often prefer heavier, sweeter scents on men, particularly those containing notes of sandalwood, amber and vanilla which are generally seen as sexy and sensual feel.Since its launch back in 2008 this rich, spicy, leathery fragrance with its now iconic bullion bar bottle has become a fragrance phenomenon. The number one best-selling men’s fragrance year after year a bottle is sold every five seconds.

Versace Pour Homme

• Another great and invigorating fragrance for the younger man with its youthful blend of musk and bergamot.

No Claim Occure, 15% cash back rebate from Car Insurance

Owning a car is an expensive as well as costly thing to have, and that is the truth. Besides the upkeep and maintenance of the vehicle, you would also have to spend for gasoline, which only goes up these days. Now factor in the possibility of how much you would have to spend if you get into an accident. 

Other than paying for the damage of the car, there could be medical liabilities involved. This is where car insurance plays a very important role in owning a vehicle. It is one of the safest, albeit relatively expensive, policies that you need to have other than your life insurance.
For more extensive coverage, you might want to consider Takaful Malaysia COMPREHENSIVE type of cover. Not only you will get everything that we offer in the THIRD PARTY type of cover, you will also get indemnity for the loss or damage to your vehicle or its spare parts arising out of the following events :

•     accidental collision or overturning.
•     collision or overturning caused by mechanical breakdown.
•     collision or overturning caused by wear and tear.
•     impact damage caused by falling objects provided not resulted from convulsion of nature.
•     fire explosion or lightning.
•     burglary, housebreaking or theft.
•     malicious act.
•     while in transit.

You can also apply for additional coverage which include :

•     windscreen
•     accessories
•     additional authorized driver
•     MPA (Motorist Personal Accident)

A step to heighten the efficiency of service to our participants, the Tele Bantuan programme provides FREE TOWING SERVICE from the point of accident to the nearest Takaful Malaysia panel workshop, 24 hours daily, anywhere in Malaysia.

Also, if there are no claim occure, you are entitle to get 15% cash back rebate from Takaful Malaysia.
For more info Takaful Malaysia