Infra-red and Ultra-violet Light Treatments – Hair Loss treatment

Natural-healthy-hairMost of the men are absolutely fine with their hair loss, whereas many demand a particular remedy for curing their lost hair in as many ways as possible. When you actually get into that position you undergo much research in detail. Over a period of year many treatment have been included that claims to cure baldness. But since baldness – is known as a unappealing prospect it may be for many men, it is not an illness, but many procedures and drugs are required to treat it. You will get many treatment, procedure, that are available for baldness.


Clinicspots is a premier online medical facilitator that gives you high quality service and helps you find the right treatment for your problem ranging from hair transplant in delhi. Leading from infants to old people everyone is suffering from hair loss. Consulting a doctor online becomes necessary in case of emergency.

Being familiar on internet these days may give you various information regarding the latest therapies such as Electric pulse therapy which is called as most succesful treatment where a individual can spend his money and expect out a great result. In the same manner most of them might claim that Infra red light waves are in vogue. Moreover, next is the steam treatment that are all in rage which is always Ultra violet light.

To opt for permenant or temporary hair loss, you have wide variety of procedures to choose within. These treatment starts from natural based solution to surgical process. However, if you are looking for the effects of medical procedure with all the benefits of natural solution then infrared and UV light treatment is the best option for you to go ahead.

Infra red light waves and UV light treatment are the two techniques that offers non surgical approach for the issue of hair loss. It work by using light rays to target the areas that is been treated with the aim that, it should stimulate the follicles in the area of new hair growth. It sounds good that it is a non surgical treatment but evidence shows that this procedure is only applicable for the people having mild hair loss.

What are infra-red and UV light treatments?


  • Both the form of light waves are safe, non invasive and it donot hurt the exposed scalp at all.
  • Doctors target the bald area with the help of light waves on your scalp that warms the skin and increases the blood circulation.
  • The reason behind it is that, it increases the flow of blood and it transports oxygen and nutrients to the follicles which helps to initate the hair growth.

Who is a good candidate for these treatments?

  • Unfortunately everyone is not suitable for this procedure
  • If the person is having mild hair loss then and only then he is eligible for this treatment with expected benefit
  • But if you are a person having moderate to severe hair loss then this might not be the best option for you

What are the results of infra-red and UV treatments?

  • Around 50% of the patient results in the re growth but it varies among the individuals.
  • Many people found that they have patchy or thinned hair growth whereas, some people feel that the re growth is temporary.
  • There are many effective ways in stopping hair loss in future, if you are the victim of hair loss at an early stage than they can prevent further loss in 90% of the patients

What can you expect from Light Treatments?


  • It is best to understand the expected results first before feeling happy that light treatments are good option for you
  • Although stated above hair re – growth have shown result only in 50% of the patients, there are more chances that result will only be temporary and you will not experience same kind of success as you expect.
  • In some glance after the hair grows that might be thin or even patchy in appearance.
  • This means that, if you catch the hair loss in early stage and undergo these light treatments, you can also avoid the excessive loss of hair and control hair thinning.

The main aim of this technique is that it increases the hair growth stage and reduce the resting stage. This treatment takes about 15 – 20 minutes that depends upon the treated areas. No pain is felt during this procedure. In short if you are suffering from male pattern baldness related to genetics that may not be the better option for you to treat your hair. Addition of extra nutrients to the follicles sounds good but it doesnot work for all the individuals. This treatment is a very effective option for hair loss. Moreover, to ensure the best success schedule a consultation with a certified practitioner in your area before beginning treatment.


Labour’s Emma Reynolds Predictions: A Dire Housing Future – and Her Proposed Solutions

The shadow housing minister’s job is to disagree with the Government. But her policy proposals to boost homebuilding investments certainly offer detailed perspectives.

As shadow minister of housing, it is MP Emma Reynolds’ job to challenge the ruling Government. In so doing, she arguably lays out a future set of policies and programmes that might be how the UK housing crisis is addressed should Labour take back the reins – not as, she contends, how the Coalition Government is doing things.

Reynolds has laid down her positions in light of some very troubling observations and statistics. At mid-2014 she projected to the year 2020 saying that the nation’s deficit in homes would climb to 1.3 million, or as she put it “equivalent to the city of Birmingham.” And for homebuyers, the average price would be 13 times the average wage at £359,000 – requiring an average deposit of £72,000, a number she sourced from the House of Commons library.

She also lobs criticism at the Government’s Help to Buy scheme for boosting demand without directly increasing supply, an equation she says that can explain the rapid price inflation that seems to be occurring since the programme began implementation in 2013. While others may say this is simply a lag time between when developers (often funded by time-driven investors such as capital growth partners) see action and when they are able to deliver more completed homes, the country’s one-year average price increase of 10% at mid-2014 has to be acknowledged.

Reynolds laid out Labour’s ideas in detail on 1 August 2014, but she made no mention of the empty homes in England (many of which are held by foreign investors, treating property as an investment more than as an abode). She does make clear what the party would do if restored to power:

• Undertake the biggest council home building programme in 40 years – With 1.6 million families in queue, she says the number is growing because the fewest number of council homes are being built today than at any time since record keeping began.

• Support first-time buyers by boosting supply – Reynolds says that getting young families on the housing ladder is what distinguishes Labour from Tories.

• Underwrite loans to small builders to “unlock their potential” – Noting that when 200,000 homes were built each year, in the late 1980s, smaller builders were responsible for two-thirds of that total. Today, they are responsible for less than one-third of the much smaller number of home completions last year (about 109,000).

• End land banking – Empower local authorities to enforce “use it or lose it” rules on holders of land with planning permission but on which nothing has been built.

• Build New Towns and Garden Cities – In the spirit of William Morris, providing housing for communities en masse similar to those towns successfully developed in the post-War period in places that include Sheffield, New Ears wick, Letchworth and Hampstead Garden.

Making additional partisan distinctions, she notes that in local councils headed by different parties, the commitments to build vary. Councils controlled by Labour are committed to building 862 homes per annum, while that number drops to 508 with Conservative councils and 393 where Liberal Democrats hold sway. By and large, investors through real asset funds look to build where those commitments are greater, and in those locations the local economy benefits from more housing, new employers, and increased infrastructure and commercial development.

The high demand for housing in public and private markets is unquestionably a draw to investors. And under each party leader, commitments are put forth emphatically to set policies that encourage more building. Any individual considering this sector for achieving asset growth is encouraged to speak with an independent financial advisor to sort through the relative risks and rewards of such investing.

Halal Investment Options for Muslims in Canada

I’ve always been a huge advocate of avoiding Riba (Interest), either earning or paying. There are definite financial, social and religious reasons for this and we, as Muslims, are aware of them.

There has always been a concern among the Muslim community in Canada of where they should put their extra money in terms of Savings or Investments, earn money from that or at least hedge against the Inflation and other factors. Based on my knowledge and experience (Allah knows best), I was able to dart down the following investment opportunities available in the Canadian market.

Investing in Commodities e.g. Gold and Silver

Gold and Silver have historically been the best source of securing your wealth over a long period of time. From my research of historical Gold prices, they have tripled in last 20 years. Silver is not far behind. Rather, silver has outperformed gold if we take different time ranges. So let’s say you are not someone who has huge sums of money and can make big investments, investing in gold or silver is definitely an option for you. This is purely a halal investment and if you are looking to invest for a longer period of time, let’s say saving money for your child’s education, investing a couple of hundred dollars a month should not be difficult. This way you are preserving your wealth and, in the meantime, saving money for your child’s education. You can buy gold from banks or can even purchase from an accredited gold dealer in Canada.

There are other commodities you can invest in but for a domestic investor it would be hard to store those commodities over a long period of time.

Investing in company Stocks i.e. shares

Basic reasoning as to why stocks are halal investments is as investors you will be rewarded with profits of the company and will also to have bear losses, if any. There are different types of stocks you can invest in based on your investment horizon i.e. time period you want to invest for and the amount of risk you can handle. Moreover, it also matters what kind of income stream you have in mind i.e. do you want regular dividend payments or you are more interested in Capital Gains (IPO’s i.e. companies that are recently launching their stocks into the stock market, are best for Capital Gains).

Examples of stocks you can invest in as Muslims are:
1. Retail companies
2. Oil and Gas companies
3. Trading companies etc.

There is a list of type of companies we, as Muslims, should not invest in i.e. these won’t be considered as Halal investments. Companies that primarily deal in:
1. Financial institutions i.e. banks, loaning companies
2. Alcohol
3. Pork and pork related products
4. Tobacco
5. Weapons and ammunition
6. Entertainment

The list provided above is just an example and is not extensive.

As a normal person who does not have much knowledge about how to invest in stocks in Canadian Stock markets, best thing is to reach out to someone who knows. They may be your relationship managers at the bank, a muslim scholar who has finance knowledge as well and knows financial markets or contact brokerage companies.You will need to make sure you have explained to them in detail the criteria for your investments i.e. type of companies you are looking into.

Some banks such as RBC Royal Bank give you an online account that you can use trade stocks online. For this you need to have reasonable knowledge of how stocks work and how to analyse an investment opportunity.

Land and property

If you have enough spare cash that you have saved over a period of time and looking to invest in halal options, property and land present another option for you. People do engage into buying houses through mortgage and increase their asset base, but that is definitely not a halal option. So, if you are someone who likes to avoid interest, you should not go into buying houses through mortgage.

Now there are 2 scenarios:
1. You have enough money to buy a house. In this case you should be on the look for best investment opportunities in terms of property and land. I’ve seen people usually invest more into buying houses than buying land in Canada. This is not a bad option and is more secure. But investing in Land around the areas that have potential in terms of future growth and have developmental projects in the pipeline is something that can generate higher returns for you.

2. You don’t have enough money to buy a house in Canada. In this scenario, since almost all of us are immigrants here, there is always an opportunity available in your country of origin. You can invest in smaller properties there and once you have collected enough money, you can bring it back here (if your goals is to own property in Canada).
Investing in new companies

A large number of Muslim business men/women want to start their new projects, they have good ideas but do not have the money to invest. You can find these people in your community or social networks and discuss about their ideas. If you have the financial knowledge, try and analyse their ideas, both in terms of practicality and future revenues. If you don’t have the knowledge, have them create a business plan and then present that business plan to an investment advisor.

You can also create a pool of money with your friends, acquaintances and start a business that you normally can’t afford. Investing in new projects i.e. businesses, is riskier than investing into an already running business but if weighed and measured properly and work hard on, can generate much better returns.

In the end, my knowledge is limited and above mentioned options are just suggestions, but I am hopeful they can give you an idea about investing halal and saving yourself from the curse of Riba (Interest). I’d be more than pleased to help with any of the above.

Muhammad Khurram Shahzad is an ERP consultant in an MNC in Canada and an experienced investment advisor. He has been involved in many start up ventures and has created business plans for the start up companies. He writes on different investment and finance related topics in blogs, articles and other forums

Trade Bitcoins And Get the Most Out of It

This digital rush of money that is sweeping the global investors is not only getting easier, but also riskier everyday. While it was initially a simple peer-to-peer system for small transactions, it is now used for major investments and foreign luxury purchases, which has introduced newer strategies and uses. How does it really work?

Bitcoin is a currency just like any other. It can not only be used to buy and sell, but can be used for investing and sharing, and can even be stolen. While the initial introduction of the technology came with a desktop program, it can now be directly operated through a smartphone application, which allows you to immediately buy, sell, trade or even cash your bitcoins for dollars.

Investment with bitcoins has become very popular, with major sums of money being put in every day. As a new investor, the rules remain the same as investing with real cash. Do not invest more than you can afford to lose, and do not invest without a goal. For every trade, keep certain milestones in mind. The ‘buy low and sell high’ strategy is not as easy implemented as said. A great way to succeed faster when you decide to trade bitcoins, however, is to learn the technicalities. Like cash investments, there are now several bitcoin charting tools to record the marketing trends and make predictions to help you make investment decisions. Even as a beginner, learning how to use charting tools and how to read charts can go a long way. A normal chart will usually include the opening price, the closing price, the highest price, the lowest price and the trading range, which are the essentials you need before making any sale or purchase. Other components will give you different information about the market. For example, the ‘order book’ contains lists of prices and quantities that bitcoin traders are willing to buy and sell.

Moreover, new investors will often quickly open unprofitable positions. With this, however, remember that you have to pay an interest rate for every 24 hours that the position is kept open, with the exception of the first 24 hours that are free. Therefore, unless you have sufficient balance to cover the high interest rate, do not keep any unprofitable position open for more than 24 hours.

While bitcoin trading still has its drawbacks, like transactions taking too long to complete and no reversing option, it can benefit you greatly with investing, provided that you take small steps in the right direction.

The Worst Goal You Can Make: A Lesson From a Professional Investor

stephanie and I were having the time of our lives. We were young, recently dating and had similar interests. She and I went into business together and quickly became what others saw as “successful real estate investors.” Other investors in our community looked up to us because we were buying a lot of houses. This was fun and was a nice little ego boost. We were all over the investor community. We went to every local real estate investor club meeting we could, we gave up our weekends to attend seminars, and we participated in the local investor forums.

We joined a mentorship program and quickly became star students. We were referenced often and pulled on stage to motivate other students. The truth was that although we were doing a lot of deals, we were working extremely hard for very little income. In this program they drilled the importance of goals. Just like most successful coaches or mentors will do. We learned a ton from that program and certainly would not be where we are today without it, but there was one thing they or any other speaker or “expert” we listened to was missing. Having a goal and a plan to attain it is not enough. The quality of the goal is just as important as having the goal itself.

Our goals were always about the number of deals we could do. We were focused and dedicated to our goals, so we did anything we could to reach them. We had a mastermind group that kept us accountable for our goals; Steph and I talked about them regularly, and rewarded ourselves for reaching them. The problem was, because our goal was based on number of deals, we would do marginal deals to reach our goal. When the crash starting hitting in 2007, it was easier for us to liquidate our good deals and keep marginal ones, so we ended up with a portfolio of marginal deals. In 2008, everything started to come down around us and we no longer had the cash flow to support our home buying habit.

Now that it is over, I realize that this was a great time in our lives. It is when we started our family and we became extremely strong for what we weathered. Steph learned that she was really chasing deals because I loved it, and it turned out that it wasn’t her passion. She is much happier chasing other dreams now. This is also the time that I started Pine Financial, which quickly became a success and helped catapult our recovery. It was not long before we picked ourselves up, cleaned ourselves off, and moved forward.

I learned an awful lot that year, but nothing was more impactful than realizing that the problems we had were because of the goals we made. We created the problem. Now I put a lot more thought into what I want before I write my goals down, and it is no longer about how others view me. It is about what I want for me and my family and I have created an amazing life because of it.

Bitcoin News And Highlights You Should Know

While ‘bitcoin’ is a very commonly heard term, there are few who really know what it is. While it is a trading system, it is the most different from others for two major reasons. For one, it involves a form of digital currency that can be transferred easily. What makes it more unique, however, is the fact that it does not involve any banks or other official financial institutions. It is merely a peer-to-peer system that is independent and unaccountable. Following are some of the most important recent bitcoin news and highlights:

Anonymity – If you want to carry out simple transactions without using your personal identity and bank account details, bitcoins make it possible. All transactions that are carried out are anonymous, unless you choose otherwise, and cannot be tracked back to you. For every transaction, there is an address created that is unique and will never be repeated.

Receiver’s privileges – Unlike most other forms of trading, bitcoins are irreversible and you cannot cancel a payment once you have sent it. If you must reverse the transaction, you will need the receiver’s consent. Also, the transactions take about 10 minutes to complete, unlike other financial transactions that are processed almost immediately.

Purchasing luxury items – One of the major reasons bitcoins became popular was the fact that they are ideal for purchasing foreign luxury items. These are the ones that are heavily taxed by the governments of these countries, and the final cost becomes very high. Since bitcoins do not involve any governmental institution, there are zero taxes that you have to pay. This, along with the already minimal transaction cost, makes it ideal to use them to purchase items from foreign countries.

Mobile wallet – Among the most popular bitcoin news was the fact that there was a mobile version introduced in addition to a computer version. This means that you can install an application on your smartphone, and manage your bitcoins through it. It also makes it easier to exchange your coins for dollars at any time you like.

Limited acceptance – Despite the growing use of bitcoins, you must check whether or not they are accepted at the store you want to use them at. There are still several places that do not accept them as a valid, usable form of currency. However, this is expected to change soon, with digital currency readily becoming more popular

Why Investing in Long-Term Wood Plantations Is a Good Idea

Did you know the best ships and boats in the world use a type of wood called “Teca” for the floor construction? Did you know millionaires buy “Teca” to make their home furniture and their house floors?

“Teca” is a type of wood that is planted in tropical weather. The approximate cycle time is of 20 years from planting to harvesting. Even though this is a large time period, it is considered one of the most profitable businesses in the agricultural industry. In fact, the demand of this product is so high, that traders from Eastern countries like India go to South America to buy this wood and ship it to their nations.

People who tend to invest in this business are usually individuals that are looking to have a family business and pass it from generation to generation. However, this is a business with one and only one purpose: Investing in order to have long-term income and profits. Therefore, “Teca” growers do not have plantations looking for a short-term monthly income. Usually, people in this industry have an additional job or business for their living, and think of the “Teca” plantation as their savings for retirement or to pass the business to their next generations.

In terms of maintenance and daily work, this plant does not require much of it. The key time are the first years after the first planting cycle in which care and fertilization must be provided. After that, the tree grows by itself without much job to be done. Another important detail is that after the first harvest, a new plant is naturally regenerated, with better quality and less care needed.

When talking about selling and distribution, there is nothing to worry about. Buyers will come by themselves looking to buy, so this is not a business that requires having a lot of contacts and networking.

The main reason of why this business is so profitable is that there is too much demand and very few supply because most people do not have the necessary amount to invest. The ideal project would be to have your own land and plantation. However, there are many traders and companies looking to sell shares of an existing plantation. Nowadays, this last method is being very common because people do not have enough money but they know and belief in the business wellness and prosperity. In fact, in the last decade, South American farmers and executives with savings have been looking for land and plantations of “Teca” more than ever before in order to invest their money.

Additionally, due to the prosperity and growth of the business, people are looking to become expert forest engineers. Even though this plant does not require of much attention, it is fundamental to have an established project with statistics, measurements and details. This work is done by such forest engineers and hence the reason of people wanting to become one.

Again, this is a long-term business that will not provide any gain or income in the present. However, think about it. If you want to invest your savings and earn more money from it in the future, “Teca” is a great option that should be considered.

Finally, have in mind that most of the wealthy people in South America, are individuals who took a risk but are now experiencing the results of effort. Now is up to you to become one of those with “Teca” as the road and the pathway.