Dronewizzs

Destination weddings have become incredibly popular over the years, and for many newly engaged couples, the interest in getting married in the Caribbean is increasing every day!

After talking with many of my clients that have visited our travel agency to inquire about a destination wedding, they seemed to all agree that getting married on a Caribbean Island or even on a Caribbean Cruise is something they have always desired. The exotic locale, convenience, value, and stress free environment it fashioned were some of the many reasons couples find this option very appealing.

Before I talk more on the Caribbean, allow me to first talk a little bit about who I am, and the reason why I view the Caribbean as a popular wedding destination choice.

Back in July of 2000 I attended Travel College, and this is where I met this beautiful Italian girl in my class named Maria. It was clear that the both of us were on the same path of becoming professionals in the travel industry, and at the time we never knew what we were about to experience. Once we graduated, Maria and I were immediately employed by different travel agencies that soon opened up a world of opportunities for us, one being the awareness of how popular destination weddings were actually becoming at the time.

Now at this point you may be asking yourself; “What does this all have to do with having a Caribbean Wedding?” The answer will be clear once I explain!

You see Maria and I since we graduated College stayed in touch, and soon we fell in love! In March of 2004 we decided to get married, and being that we both were working in travel, and the fact that we were sending many of our clients to all these spectacular destinations for their weddings, plus getting all this positive feedback on how memorable their weddings were, it was a clear cut decision for the both of us on what we wanted to do next.

Taking the non-traditional route like many of our clients, we both agreed on having our ceremony somewhere outside our country, and our first choice was, of course, the Caribbean! Why not, with all the great experiences we have established for our clients, this was a destination we both dreamed of going. We looked at getting married in Jamaica, but after a long discussion, we eventually chose the exotic location of Varadero, Cuba, and it had a lot to do with the both of us visiting Cuba several times before! Cuba had everything we needed, and was the most affordable for the many guests that joined us.

Hands-On Destination Wedding Experience Helps When You’re Looking To Plan A Wedding At Destination!

You see, not only helping arrange destination weddings for our clients, but also having the opportunity to experience our very own, our hands-on experiences are what truly allows us to help our clients visualize what they should expect and experience.

Let’s Go Back And Talk About Why Destination Weddings Are So Appealing!

There’s no question that experiencing a ceremony on an exotic island destination is truly unique from the traditional wedding ceremonies, and if you’re planning to get married during the winter months where it may be much colder, having the opportunity to exchange vows in a warm sunset on a powdery soft white sandy beach with the angelic sounds of the crystal clear Caribbean waters echoing in the background is an experience that will create special memories for a lifetime!

However, it’s so much more than that! Destination weddings also offer convenience and true value, and most of all destination weddings provide a completely stress free experience. I have to admit our decision to have a wedding on a Caribbean island had a lot to do with us attending several family and friends’ weddings over the years. One consistent issue that would come up was that with all the guests that were invited, a good number of them really didn’t want to be attending that wedding. Unfortunately when you have approximately 300 plus people at your wedding, it’s impossible to spend quality time with all the guests, especially the ones that are very close to you.

Not having the opportunity to have more quality time with family and friends is a very important feature for many engaged couples that have decided to now have a destination ceremony! Many of our clients quickly realized the true luxury of spending quality time with the ones that were closest to them, and a destination wedding easily provided them that unique opportunity.

If a dream destination wedding, renewal of your vows or a special honeymoon is something you have been considering, don’t hesitate to reach us to explain more about the benefits of a destination wedding, and what is required if you happen to decide to get married in the Caribbean.

Multi vitamins are so common these days you wouldn’t even think of them as a supplement. A multi vitamin is defined in the dictionary as “a preparation intended to supplement a human diet with vitamins, minerals and other nutritional elements.” The US government categorizes multi vitamin under “food”, because it contains 3 or more vitamins or minerals but does not contain herbs, hormones, or drugs.

The multi vitamin can come in many forms such as tablets, capsules, packs, powders, liquids and even injections; however, injections can only be prescribed by a doctor. There are many different combinations and doses of vitamins and minerals and many of them exceed the 100% recommended daily allowance. Depending on your physical needs, many of the excess vitamins and minerals that cannot be digested are harmlessly excreted out of the body. There are a few that will not exceed the RDA such as Vitamin A, Vitamin K, Iron, and many of the trace elements because they are not easily depleted unless under extreme physical stress and could become toxic if too much is retained in the body. Because the body’s nutritional requirements will differ depending on your physical requirements and diet, most multi vitamins are formulated for specific groups of people such as men, woman, over the age of 50,prenatal, stress relief and athletic.

Most multi vitamins will include these standard nutrients:

Vitamin A- Vitamin A plays a role in several functions throughout the body such as vision, bone metabolism, skin health, immune function, antioxidant activity and reproduction. It is found in many foods but these particular foods contain large amounts; liver, sweet potato, carrots, broccoli, kale, butter, spinach and leafy vegetables. Deficiencies in Vitamin A can cause impaired vision, particularly in reduced light (night vision), impaired immunity and red bumps on the skin called Keratosis pilaris. Too much Vitamin A can be toxic so do not take more than 5000 UI per day for males and 4000 UI per day for females.

Vitamin C- Vitamin C helps keep your immune system strong and is a powerful antioxidant, helps reduce the risk of heart disease, plays a major role in collagen production and it helps the body recover faster from a hard workout. Vitamin C can be found in many fruits, vegetables and in animal products such as raw cow’s milk and liver. Deficiencies in Vitamin C is known to cause Scurvy, liver spots, feelings of depression, their skin looks pale, and are more susceptible to lung borne diseases.

Vitamin D- Vitamin D helps the body absorb calcium and phosphorus and is necessary for thyroid function and bone growth. Vitamin D is naturally produced by the body when it’s exposed to sunlight however due to the negative effects of UV rays; many foods such as dairy products, oil, cereal and bread are now enriched with Vitamin D. You can also find Vitamin D in fatty fishes, eggs, and liver. Deficiencies in Vitamin D in children can cause Rickets, a growth deformity of the bones. In adults deficiencies can cause thinning of the bones (Osteomalacia) and reduced density of the bones (Osteoporosis). Vitamin D deficiencies have also been linked to diseases such as type 1 diabetes, high blood pressure, cancer, and multiple sclerosis.

Vitamin E- Vitamin E is another powerful antioxidant and is important for a healthy immune system. Vitamin E is important for hard training athletes as their immune systems can be worn down and make them susceptible to health issues. Vitamin E can be found in foods such as whole grains, nuts, milk, eggs, asparagus, vegetable oils and avocados. There have been no known symptoms of deficiencies in Vitamin E.

Vitamin K- Vitamin K plays a key role in blood coagulation, bone metabolism, and the circulatory system. Vitamin K is found mainly in green leafy vegetables but can also be found in avocados and kiwifruit. There are usually no symptoms of deficiencies in adults; however, adults that suffer from liver damage, cystic fibrosis, who have recently had abdominal surgery, bulimics and certain drugs may inhibit the absorption of Vitamin K. Symptoms of deficiencies are anemia, bruising and nose bleeding. Vitamin K should be stored in the cupboard as it will lose its potency in sunlight.

B Vitamins- There are 8 distinctive vitamins that fall under B vitamins umbrella and are discussed in detail in my previous article “B Vitamins Play an Essential Role in Metabolism”. B Vitamins play a key role in increasing the rate of metabolism, maintaining healthy skin and muscle tone, enhancing immune system and nervous system functions and promoting cell growth. B Vitamins can be found in a variety of foods such as animal products, legumes, yeast, fish, seeds and whole grains. Deficiencies in B Vitamins can cause various symptoms such as weight loss, weakness of the limbs, depression, sensitivity to sunlight, diarrhea, insomnia, acne, water retention, and high blood pressure.

Calcium- Is the most abundant mineral in the human body, 99% of it is contained in the bones and teeth. Calcium plays a role in many biological functions such as muscle contraction and as a neurotransmitter between cells, but Calcium’s claim to fame is its role in bone development and sustaining bone density. Calcium can be found in many foods such as dairy products, nuts, sesame seeds, lentils, and eggs. Symptoms of Calcium deficiencies are Osteoporosis and Osteomalacia, thinning of the bones.

Potassium- Potassium is a mineral that can reduce hypertension, heart disease and stroke. Potassium also plays a role in neurotransmission, muscle contraction and heart function. Most fruits, vegetables and meats contain Potassium in low quantities, but orange juice, bananas, kiwi, potatoes, tomatoes, broccoli, soybeans, brown rice, and garlic are rich in Potassium. Deficiencies of Potassium are rare but in severe cases of vomiting and diarrhea can lead to symptoms such as muscle weakness and cramps.

Zinc- Zinc is an essential metallic trace element which assists in many functions within the body. It is instrumental in immune response, brain function and plays a role in prostate gland health and reproductive organ growth. Zinc plays a major role in cellular metabolism as over 100 enzymes rely on zinc to be a catalyst in many chemical reactions. Zinc also helps DNA tell cells what to do such as hormone secretion and nerve impulses; which is important for growth and disease prevention. Zinc is found in red meat in high concentrations but it is also found in whole grains, beans, almonds, and various seeds. Deficiencies in Zinc can cause repressed growth, diarrhea, impotence and weakened immune system.

Magnesium- Magnesium is another metallic trace element that is essential for all cells in a living organism. Over 300 enzymes require Magnesium to be the catalyst in various chemical reactions including synthesis of ATP into energy. Magnesium also facilitates calcium absorption into the body. Magnesium is found in spices, nuts cereals, coffee, cocoa, tea and green leafy vegetables. Modern countries have inadvertently reduced the amount of Magnesium intake due to the food refining process and modern fertilizers; which do not contain Magnesium. Deficiencies in Magnesium do not usually show symptoms, however deficiencies have been associated with the development of certain illnesses such as asthma, osteoporosis and ADHD.

Chromium- Chromium is another metallic trace element that is required for the body’s production of insulin. Insulin is a hormone that regulates the body’s blood sugar levels. Chromium helps transport blood sugar from the bloodstream into the cells and is critical in the process of turning fats, carbs and proteins into energy. Good sources of Chromium are brewer’s yeast, meats, whole grains, nuts and cooking with stainless steel cookware. Symptoms of deficiencies in Chromium are rare; however, in severe cases it can cause weight loss, confusion and insulin resistance.

Manganese- Manganese is another metallic trace element that ensures healthy bones, bone metabolism and helps the body absorb Calcium. It is also involved in, insulin regulation, formation of connective tissues, thyroid regulation, collagen formation, metabolism of fats and carbohydrates and is a powerful antioxidant. Manganese can be found in many foods such as meats, nuts, garlic, green vegetables, brown rice, and raspberries. Deficiencies in Manganese are rare but can occur. Symptoms include bone malformation, high blood pressure, high cholesterol and muscular contraction.

Iron- Iron is another metallic trace element that is essential for life. Iron is essential to the proteins that are involved in oxygen transport and for regulating cell growth and metabolism. Iron can be found in meats, cereal’s fortified with iron and cooking with iron cookware. Deficiencies in Iron cause a lack of oxygen to be delivered to the cells and therefore results in fatigue, restless sleep, lack of concentration and decreased immunity. Conversely, too much Iron in the body is very toxic and therefore many vitamins state on the bottle either “with Iron” or “without Iron”. Iron’s RDA for men are 10 mg and for women is 15mg a day, but for athletes, it could be as much as 25 mg a day.

Selenium- Selenium is another metallic trace element that is essential in the activation of glutathione peroxidases, a powerful antioxidant. Selenium is also required for the proper functioning of the thyroid. Selenium can be found in many foods such as nuts, fish, meats, eggs crab and lobster. There are no symptoms of deficiencies of Selenium however when supplemented it seems to have a positive effect on male infertility, cancer cells, and tuberculosis.

How is your diet and what are your physical needs? The majority of Americans do not eat a balanced diet to provide them with all the nutrients to fight off disease, keep bones healthy, protect the skin, cardiovascular health, give us energy and in general to keep us healthy. The proper amount of each nutrient is dependent on your physical needs. Choosing the right multi vitamin can be difficult but here are some things to consider when purchasing a multi vitamin.

Athletes- You will need a multi vitamin with higher overall content as many of them are depleted or excreted out of the body via sweating or urination. These vitamins are especially susceptible to being depleted, B vitamins for energy, potassium for muscle regulation, iron for proper oxygen transport and muscle growth, Vitamin C for proper immune system regulation and calcium for strong bones. If your body’s Calcium reserves are depleted your body will “steal” it from your bones and can lead to future skeletal diseases. Many vitamins will contain amino acids for muscle building and recovery and high levels of antioxidants to eliminate the free radicals produced by a strenuous workout.

Adults over 50- May want to take a multivitamin that is higher in Calcium and vitamin D for bone health and to prevent osteoporosis. B vitamins are important for energy and proper absorption of nutrients from food and as we age, our bodies are less able to absorb them. CoQ10 for heart health and energy and as we get older our production levels decreases. Vitamin K for bone health and its antioxidant properties have been shown to prohibit the development of Alzheimer’s disease. Lycopene to reduce the risk of cardiovascular disease, diabetes and has been shown to have positive effects on prostate health.

Prenatal- Will have a higher concentration of B9 (Folic Acid) for proper brain, spine and skull formation in fetuses, calcium for proper bone formation and iron for the proper development of red blood cells. It will also have a reduced level of Vitamin A as it can cause health defects in fetuses.

Women- Need to have a multi vitamin higher in calcium for strong bones, as women usually do not get enough from their diet alone. Vitamin B9 (Folic Acid) for overall health, preventing genetic diseases, and may also prevent cancer and heart disease. Women also need more Iron as women do not eat much meat and they lose a lot of iron every month through menstruation.

Men- Need Boron for prostate health, calcium for healthy bones, chromium to regulate blood sugar levels, Folic Acid for regulating blood flow and reducing the risk of Alzheimer’s disease, glucosamine for joint health, and the omegas to reduce blood pressure and for heart health.

Stress Relief- Will be loaded with B vitamins as they produce anti stress hormones and vitamin C to prevent stress related illness.

Conclusion Most multi vitamins should be taken in the morning with a meal as some of the nutrients may cause an upset stomach. Multi vitamins are fairly inexpensive unless they contain high levels of expensive nutrients such as Biotin ($4,000 per active pound!) or contain other nutrients that are condition specific such as bodybuilding. Multi vitamins are worth the price and it the single most important supplement you can take to stay healthy. Think of multi vitamins as insurance for your body. You may not feel much of a difference right away but over time, when you are healthy, you will be glad that you took them.

Any business (and affiliates and marketers) that engages in interstate commerce will be subject to federal laws. Interstate marketing and advertising practices are regulated by the Federal Trade Commission (“FTC”) under the FTC Act. Services and goods offered through the Internet are considered to be a “use in commerce” since the services are available to a national or global audience. The FTC regulates Internet advertising, marketing activities and sales to consumers as the watchdog agency. The same consumer protection laws that apply to commercial activities in other media apply to the Internet. Under Section 5 of the FTC Act, illegal advertising practices are categorized as either an unfair method of competition or an unfair or deceptive act or practice.

Any activity that is likely to cause consumer confusion as to source, sponsorship or affiliation of any good or service is essentially an “unfair” act or practice under the FTC Act. However, the real culprit for interstate businesses, affiliates and other Internet marketers is avoiding advertising claims which are unfair or deceptive. There is no hard definition of what practices are considered “unfair” or “deceptive,” under the FTC Act.

But, in the simplest terms, all advertisements:

must be truthful and not misleading;
must have evidence to back up any claims made in the ad; and
cannot be unfair.

Complying with FTC laws really boils down to a single standard that your advertisements or marketing practices will be judged under. This “standard” is known as ‘materially misleading.’ This is basically the crux of website advertising law and the standard by which all Internet claims and representations are measured to determine whether they are deceptive. Either an ad or claim is materially misleading, or it isn’t deceptive. This standard is defined by a series of guidelines, rules and policy statements published by the FTC. The FTC rules and guidelines illustrate what the FTC believes is illegal under the technical language of the FTC Act.

The principle guidelines on advertising are contained in the FTC’s Policy Statement on Deception. Under the FTC’s Statement, an advertisement or marketing practice is deceptive if there is a representation, omission of information or some other practice that is likely to mislead a reasonable consumer and which is likely to influence or otherwise “affect the consumer’s conduct or decision with regard to a product or service,” to that customer’s detriment.

In terms of Internet advertising, an unfair or deceptive act or trade practice is usually made by publishing a false advertisement. The Act specifically states that using a false advertisement in commerce is unlawful and doing so is also categorized as an unfair or deceptive act or practices. The term false advertisement means an advertisement, other than labeling, which is misleading in a material respect. As you can imagine, flat out lies about your products or services, or those that you promote or endorse, are going to be misleading and illegal. Simply stated, you cannot make any false claims. However, a claim can be misleading in many other ways and this is where most Internet businesses land into trouble.

If you don’t understand the nature of what is considered materially misleading, you could very easily violate FTC laws. You MUST understand all the ways a claim may mislead a consumer and you MUST know what is considered a claim or representation in the first place. This is really the key to understanding FTC laws. For instance, a claim can be literally true, but if it is only true in limited circumstances, or if it is subject to more than one interpretation, one of which is not true, or misleading in its overall effect, it is deceptive. I am going to take you through each element of an advertisement from the FTC’s point of view so you can master this understanding. Again, either you can pay an attorney to look at your specific ads, throw them up blind, or take the time to learn the fundamentals yourself.

A. Overall Context Matters

A claim can be suggested by the overall context of an advertisement. This means a representation or claim can be made or suggested by any “statement, word, design, device, sound, or any combination thereof”. In other words, the FTC won’t just look at the words of an advertisement by itself to determine if it is misleading. Other than the words of the ad, the name of the product, the nature of the product, any visual or audio depictions or symbolism can all provide the context to establish a claim. Even the website name or metatags can provide the context for a claim. The overall experience conveyed by viewing the ad in relation to the rest of the website sets the context for a particular claim.

The U.S. District Court, Third Circuit stated the FTC standard regarding context of an ad clearly. “The tendency of the advertising to deceive must be judged by viewing it as a whole, without emphasizing isolated words or phrases apart from their context.” Beneficial Corp. v. FTC (1976). Using illustrative pictures on your website to demonstrate the effectiveness or results of a product is a common example. Without stating some direct, express claim in words, these pictures would be just as effective in suggesting some claim to your visitors.

EXAMPLE: You operate a website called homesavers.com which offers loan modification and “foreclosure rescue” services. The title of your webpage is labeled as “save home” and your home page contains a picture of a “happy and relieved” couple sitting at a kitchen table looking at their laptop which shows homesavers.com on the screen. The website advertisements include a heading titled “Begin the process of saving your home now” and other claims of “if you act now, we can save your home.” Without any qualifying disclosures, the overall context of the website may imply that consumers can expect to save their homes by using homesavers.com.

B. Express and Implied Claims

If an ad makes either express or implied claims that are likely to be misleading without certain qualifying information, this information must be disclosed. You must determine which claims might need qualification and what information should be provided in a disclosure. The important thing to understand is the fact you can make an implied claim through your advertisement and that you cannot suggest any claim which you are not permitted to make expressly by law. An express claim is an obvious one. For example “This product will stop bullets from penetrating your body in an advertisement for a bullet proof vest. Similarly, the claim “removes every type of stain from your carpet” is an express claim that the advertised product will remove all stains from your carpet.

An implied claim is one made indirectly or by inference and causes the most problems for Internet advertisers.

EXAMPLE: In an ad about the innovative bullet proof vest, it claims the vest is “used by law enforcement officers and professional body guards.” Since the ad claims law officers and security professionals use the vest, it implies they use it to stop bullets. It may also imply reliability to the average consumer.

EXAMPLE: “2 out of 3 mechanics prefer mighty wrench to any other wrench on the market! Besides having to substantiate that 2 out of 3 mechanics prefer mighty wrench, this claim implies that the tool is adept at working on cars. This is an implied claim even though the ad does not expressly state that “mighty wrench” is suitable for cars.

EXAMPLE: In an advertisement for sprinting shoes, your website claims “Joe Sprinter wore these shoes during his Olympic 100 meter Gold medal run.” This implies that the shoes are made for, even particularly well-suited for, sprinting and running fast. This ad implies a particular quality about the shoe.

EXAMPLE: Your website sells household carpet cleaning products. You use an ad promoting your “wonder-clean” carpet cleaner, stating that it “removes the toughest household stains.” Directly below the ad, there are a series of illustrations depicting a dog standing on a carpet next to an obvious wet spot on the carpet and the product then being applied by a woman. Then, that same woman is depicted with a smile on her face and the wet spot has disappeared. The ad suggests that it removes dog stains from your carpet (maybe even common pet stains in general).

EXAMPLE: An ad claiming “experts agree our product beats our competitors hands down” probably implies that there is actual proof that most if not all experts have made such a proclamation.

C. Leaving Out Important Information

A claim can be misleading if relevant and material information is left out. An advertisement cannot leave out facts which are material in light of any claims made or material in light of how the customer will use the product under the conditions stated in the advertisement (or under ordinary conditions). If a claim is only true in limited circumstances or a benefit only applies sometimes, this must be disclosed.

EXAMPLE: In ad for revolutionary new speakers your sell from your discount stereo web store, your website boasts that the speakers “can achieve a 98% efficiency rating.” But, this rating cannot be done with every type of stereo receiver. In fact, a few different models of speakers can achieve the same rating, but only if they are used in conjunction with certain receivers. These are considered “high-end” receivers and are not common. Since the stereo receiver required is uncommon, this should be disclosed.

D. Material Claims

In order for a claim to be materially misleading, the claim or any information left out must be important or significant to the consumer’s choice to purchase the product or service. If the average consumer would not find the claim to have any significant influence on his or her decision to purchase, the claim is not material. The FTC has stated that examples of material claims include representations about health or safety, a product’s performance, features, price, effectiveness or other central characteristics. But, these are not the only types of claims which are material. Information is also likely to be material if it concerns durability, performance, warranties or quality. Information pertaining to a finding by another agency regarding the product may also be material.

The FTC presumes that express claims are material. As the Supreme Court stated recently, “in the absence of factors that would distort the decision to advertise, we may assume that the willingness of a business to promote its products reflects a belief that consumers are interested in the advertising.” Where the seller knew, or should have known, that an ordinary consumer would need any omitted information to evaluate the product or service, or that the claim was false, materiality will be presumed because the advertiser intended the information or omission to have an effect. Similarly, when evidence exists that a seller intended to make an implied claim, the FTC will infer the claim is material. The FTC might also look at other evidence that the claim or omission is likely to be considered important by consumers, such as testimony or customer surveys.

If a claim is material, it also means that injury is likely to exist because of the representation, omission, or practice. Injury to consumers can take many forms according to the FTC and it exists if consumers would have chosen differently but for the deception. If different choices are likely, the claim is material, and injury is likely as well. The statement on deception states that injury and materiality are different names for the same concept.

E. Substantiating Your Claims

Advertisers must have sufficient evidence to support any claims made, or the claims are deceptive. In order to avoid deception, you must have a “reasonable basis” for any factual or objective claims you make in any advertisement. (FTC vs. Pfizer, Inc. (1972)). This is also referred to as the doctrine of “substantiation.” This reasonable basis must be based on objective, credible and reliable evidence. You can use surveys, statistical evidence (studies) and expert opinions to substantiate any claim you make and otherwise prove a claim is true.

If the advertising claim suggests a level of support, it is obvious that the advertiser must have evidence of that support. For example, if a marketer claims that “three out of four customers prefer our brand”, then the marketer must have reliable survey evidence backing this statement up. If an advertiser claims “clinical studies show,” the FTC requires that clinical studies must show what you claim.Where a claim is not specific, the FTC will look at a number of factors in reviewing substantiating evidence to determine whether there is a reasonable basis for the claim including: 1) The type of claim; 2) The product involved; 3) The consequences of a false claim and the benefits of a truthful claim; 4) The cost of developing substantiation and 5) The level of substantiation experts would believe is reasonable.

EXAMPLE: A website that sells energy drinks and related energy products makes clams that its products give its customers energy lasting “all day” or “gets you through your work day.” Those claims need to be true and need to be backed up by an actual clinical study showing that the drink or other products boost energy levels for the duration specified.

The FTC will look at a number of factors to help determine the appropriate amount and type of substantiation necessary, including:

The Type of Product. Health and safety claims are subject to the most scrutiny by the FTC as they pose the most risks to consumers. Also, alcohol and tobacco are particularly put under the microscope along with dietary and herbal supplements, weight loss products and nutrient claims since these are related to health. These types of claims require competent, credible and reliable scientific evidence. I discuss scientific evidence in much more detail under the discussion of substantiating health claims.

The Type of Claim. Technical claims and claims that consumers would have trouble or cannot possibly evaluate themselves are subject to much more scrutiny. For instance, “reduces your energy costs by 30%” “kills germs on contact” or “environment friendly” are claims consumers cannot easily substantiate on their own. As a matter of policy, when consumers can easily evaluate the product or service this has historically attracted less FTC attention than those claims that consumers would have difficulty evaluating directly, such as “e-cigarettes contain none of the harmful ingredients of tobacco cigarettes.” Also, if a product is inexpensive and it is frequently purchased, the FTC will examine the practice closely before issuing a complaint based on deception. According to the FTC’s view, there is little incentive for sellers to misrepresent in these circumstances since they normally would seek to encourage repeat purchases.

General Results Claims

Stating that your products will deliver certain results may also be misleading. You must be able to substantiate any results you claim. If you make any specific claims of product results, you must also disclose that the product will not deliver the same results to everyone and may not even be effective for some purchasers, unless this is absolutely the case. Of course, if you can substantiate that the product would achieve the results claimed in each circumstance of use for all purchasers, you don’t have to worry.

For instance, a website that instructs businesses on how to establish and build a good business credit rating and makes the following claims on its website: “Instantly obtain multiple credit lines” and “establish a top credit rating fast.” How about a website offering SEO services that claims “our customers usually see double the traffic within 2 months.” These are results based claims. If the average client is not likely to achieve these results, you should disclose these facts. Otherwise, these ads may be misleading and thus deceptive.

If your business is offering a new product, then you can’t make a general results claim if no data on the results exists. As burdensome has this seems, the FTC’s comments on the matter of substantiating claims are pretty clear. I get a ton of questions on this issue. Section 5 of the FTC Act requires advertisers to have substantiation for the messages that consumers reasonably take from their ads, which means they must first know what messages consumers take away from those ads.

F. Reasonable Consumer Standard

The FTC will always evaluate any advertisement from the point of view of the “reasonable consumer.” This basically means looking at how the average reasonable person would interpret or respond to any claims or representations you make. Your business will not be liable for every interpretation or response by a consumer. This is actually a fairly well-stated principle in the context of advertising. Advertisers are not liable for every possible misrepresentation, no matter how outlandish. Misconceptions occurring among the foolish or feeble-minded are not reasonable.

The FTC provides the example that all “Danish pastry” is made in Denmark. The fact that some unreasonable individuals may believe that all Danish pastry is actually made in Denmark is not reasonable and does not cause liability to the advertiser. A claim is not deceptive only because it will be unreasonably misunderstood by an insignificant and unrepresentative segment of people.

When representations or sales practices are targeted to a specific audience, the FTC will look at how a reasonable member of that specific group would interpret the claim. For instance, terminally ill consumers might be particularly susceptible to exaggerated cure claims, children would likely believe claims adults would not, claims toward the elderly may be viewed by differently than the general public, etc. Similarly, “claims directed to a well-educated group, such as a prescription drug advertisement to doctors, would be judged in light of the knowledge and sophistication of that group”(FTC Policy Statement on Deception).

In addition, part of the reasonable consumer standard means that an ad may be capable of more than one reasonable interpretation by a consumer. So, if your ad conveys more than one meaning, or is interpreted differently and that meaning is misleading, you will be liable. This is true even if the main meaning of the ad is not deceptive. The critical question is determining what overall impression consumers would take away from a given ad when looking at the ad as a whole.

G. Subjective Claims, Opinions & Puffing

The FTC generally will not bring advertising complaints based on subjective claims that consumers can judge for themselves (i.e. claims based on taste, feel, appearance or smell), opinions or obvious exaggeration or puffing. For example, if a seasoning salt boasts on its website that the product is “delicious” or an ad claims a particular candle “smells great” these are general subjective claims regarding the taste and smell of the products. Stating a product has a “handsomely finished exterior” or comes complete with an “attractive carrying case” are examples of subjective opinions. Just because not everyone might find the exterior of the product in question handsome or that the carrying case is attractive does not make the ad deceptive.

Since these types of claims don’t pose risks to health or safety even if they were deceptive, they really are not scrutinized by the FTC anyways.

Similarly, a product endorsement that proclaims the product to be “the best product I ever used” is a subjective opinion. The claim is not a statement of fact or some claim about some result, quality or characteristic of the product. In general, if the claim is a subjective one and does not contain an objective component, it is not unlawful.

In contrast, claiming a product is superior based “on all the latest research and data” is not subjective any longer. It’s misleading if the product really is not superior based on the most recent research and data. Claiming a flashlight “outlasts all other major brands” or “more customers prefer our hand lotion to any other” is an objective claim which must be supported with some credible evidence of what is claimed. Opinions are deceptive only “if they are not honestly held, if they misrepresent the qualifications of the holder or the basis of his opinion or if the recipient reasonably interprets them as implied statements of fact”.

Advertisements involving obvious exaggeration or puffing are not unlawful. These are claims that the reasonable consumer would not believe. For example, claiming a child’s wooden sled that is “handcrafted by Santa’s elves” is obvious exaggeration, or claims that a product is “superior” to all others is a general statement and is puffing. Vague statements such as “the breakthrough the Industry has been waiting for” or “this could be the opportunity of a lifetime” are also examples of puffing and are lawful. These statements are really more in the nature of boasting than making an actual factual claim.

EXAMPLE: American Italian Pasta Co. vs. New World Pasta Co. (2004). The court stated that in order for a claim to be false, it must be “a specific and measureable claim capable of being proved false.” The Court in this example found that American Italian Pasta Co.’s use of the phrase “America’s favorite pasta” was not a statement of fact, but was considered subjective and vague puffing. This case provided a very good definition of what is considered puffing: “puffing is exaggerated statements or boasting upon which no reasonable person would rely or vague and highly subjective claims of product superiority.”

Furniture, especially wooden furniture, plays a very important role in emanating a pleasant and peaceful atmosphere in your home. However, while everybody wants to have wooden furniture to deck up their homes, not many are aware about what furniture to buy. It is very important to know several aspects involved in the buying of furniture. These include the type of wood you’re looking for, the place where you want to place your furniture, the color of the furniture that would be ideal for you etc. These are some of the basic questions that one has to answer ahead of buying wooden furniture.

If you’re a person who is intending to buy some quality wooden furniture and also appreciate quality then you have to spend some time on determining the type of furniture you want to buy. Your budget, of course, would be the most important factor while buying wooden furniture. There’s no denying of the fact that quality wooden furniture is expensive. Wood has become dearer these days because of the strict tree felling norms imposed by governments worldwide and the move to conserve forests and balance the ecology. This has led to the emergence of alternative materials like metal and plastic for furniture manufacture.

Wood, however, has managed to retain its position among furniture enthusiasts. The expensiveness of fresh wood has led to the use of recycled wood in furniture. Here, wood is sourced from old buildings that are being torn down. Sometimes, old furniture is spruce up, painted and given a new updated look. This has also resulted in refurbished wooden furniture finding dedicated connoisseurs in the market.

As regards the wood, be careful in selecting it properly. Certain conditions would determine the type of wood you’ll want i.e. hardwood or softwood. For instance, if you plan to use the furniture outdoors, you have to select hardwood that can withstand the elements of nature better. They warp less and also absorb lesser amounts of water. Oak and teak are the two best woods that can be used outdoors. If you plan to use your furniture indoors, you can go for some variety of softwood like mango wood or rosewood. Indian sheesham is also used extensively for the manufacture of indoor furniture.

As already said, the placement issue plays another big role in determining the furniture that you want to buy. You must always have an idea of the space available to place your furniture. This is because you may have trouble if you find that you have bought a furniture item and there’s insufficient space to keep it. It would be nothing short of a disaster. Also, too small a furniture piece at a relatively larger space would be an eyesore.

Of late plywood and particle-board furniture have become very popular because of solid wooden furniture becoming dearer. They, however, lack the longevity of the latter and have no resale value. They simply have to be disposed off when their lifespan is over. Sometimes disposed-off wood is mixed with ply for making new furniture.

If you have just bought a car then you should know that getting an auto car insurance has been made mandatory by law. Without this you won’t be able to drive on the roads and you will be collecting a lot of driving tickets. Getting auto car insurance is not that difficult; all you need to do is choose the right agency. This is not a daunting task if you are a wise buyer. There are so many insurance agencies to choose form, so finding the right one can be a bit tedious. It is vital that you choose the right agency if you want to save your hard earned money. Making a wrong decision will just make your money go out the window. Not everyone is a perfect driver so there is a possibility of you meeting with an accident. Paying for the repairs can be a bit expensive and at such times having auto car insurance in hand is beneficial. This will help you save your finances.

You really need to shop around to find the right agency and the easiest way to do is online. On the internet you will be able to find an agency nearest to you. You need to make sure that you browse through different websites before you actually settle on one. It can be a bit time consuming, but rushing into this will only make you suffer. So to avoid this you need to take your time and not hasten with this process. Browsing through an entire website will only take a few minutes, but by doing this you will get to know the policies of different companies. You can just choose a company randomly. You should choose the right one and make sure that they have all the services that you are looking for.

On the internet you will be able to compare auto car insurance rates to figure out which one is the most affordable. You should choose an agency that charges an affordable amount and it should also give you full coverage. Before you sign the fine print make sure that you read all the terms and conditions. If you find an agency that provides the required services and coverage then you should certainly take advantage of this. There will be many agencies that will lure you will attractive offers but you should take your time and choose the right one.

Business finance training refers to programs that teach individuals how to handle various financial duties. Finance training is similar to finance tips in that both help business owners make better monetary decisions, but training programs offer a more detailed explanation of finance strategies. Training programs vary in price and can be used by the owners and employees of a business.

The most basic business finance training provide information on budgeting, preparing financial statements, managing cash flow, strategizing, forecasting, improving performance, and applying basic procedures and concepts to more effectively manage a business. These programs are recommended for new business owners to help them understand standard business practices. Once these basic methods are mastered, more specific financial training may be looked into.

Advanced business finance training delves more deeply into a certain financial procedure or concept, usually at a higher cost than basic programs. Advanced programs may teach business owners how to set up effective business models, make decisions based on quantitative analysis, manage and control accounts, practice due diligence, measure productivity, and strategize concerning mergers and acquisitions.

Taking part in any kind of business finance training gives a business owner the resources to make more intelligent business decisions that result in increased productivity and profits. Many different types of courses are available either online or at a specified location. Some programs may even offer the option to train at the business. Taking into consideration the needs and abilities of a business is the key to finding the best business finance training.

A business finance solution generally refers to methods of funding and maintaining the finances of a business. Most solutions involve ways of obtaining working capital, but others also offer ways of protecting and increasing that capital.

To obtain working capital, business owners look to finance solutions that offer funding by several different means. The most common means are loans and financing. Asset-based loans use a business’s assets, such as inventory and equipment, as collateral. A business may also opt for a property loan in order to acquire commercial space. Invoice financing, such as factoring, involves liquidating or selling a business’s accounts receivables in exchange for quick funding. Some businesses look to trade financing to supply their inventory. The business will tell its financer the amount and cost of goods needed, and the financer will pay for the goods. The business then repays the amount financed over a specified period of time.

Most companies that provide business finance solutions also offer ways to protect and increase a business’s capital. Credit protection safeguards a business from daily risks, such as customers not paying on time, so that the business does not suffer incredible losses. This makes it much easier for the business to borrow money in the future, and it protects the balance sheet. A finance solution may also offer business insurance plans that increase the stability of a business. The most common types of business insurance are employee and public liability, car, property, and health insurance. These business finance solutions are designed to protect businesses against potential losses.

A lot of folks only wish they could reduce what they pay as health and life insurance premiums. Thankfully, there are ways that would help anybody get lower rates. I’ll share a few ways in this article.

Like every other insurance policy, your rates are determined based on several factors. Every uses them to decide what you’ll pay based on the perceived risk in insuring you as shown by those factors. The following things make you a life insurance risk to an insurer thereby increasing your rates.

If you’ve smoked in the last 12 months you’ll pay more. If you still smoke till date or use any tobacco product, prepare to pay much more. I won’t be giving you any new information if I tell you that smoking is the direct cause of many diseases and makes others flourish.

Smoking is a habit that could be broken if you really mean it. People have succeeded in the past and so can you too. You only need to check groups out there that are committed to helping smokers quit smoking and you’ll get all the help you need. You’ll be doing yourself a lot of favor by reducing the chances that you’ll be a victim of certain killer diseases that are facilitated by smoking and/or tobacco use. And, yes, you’ll get lower life insurance rates.

Sports like skydiving, car racing and other dangerous sports make you a very high risk. Anything that makes you a high risk increases your life insurance rates. You have a choice between getting lower rates and indulging in such sports. If you want my candid opinion: I do think there are safe ways to get the rush (Go on a crazy ride in an amusement park, for example).

Occupations that expose you to great risks increase your risks accordingly. Changing to a safe profession will lower your life insurance rates.

While you do these other things to lower your rates, here’s what to do to get lower rates now. Visit reputable quotes sites that cover life insurance and get quotes. Visit at least three of such sites for the best results. It’s free, quick and easy.

Make sure you give your correct details as you fill the questionnaires presented. The last step is to simply pick the best price/value from the quotes return.

Scientific works in the theories of finances and credit, according to the specification of the research object, are characterized to be many-sided and many-leveled.

The definition of totality of the economical relations formed in the process of formation, distribution and usage of finances, as money sources is widely spread. For example, in “the general theory of finances” there are two definitions of finances:

1) “…Finances reflect economical relations, formation of the funds of money sources, in the process of distribution and redistribution of national receipts according to the distribution and usage”. This definition is given relatively to the conditions of Capitalism, when cash-commodity relations gain universal character;

2) “Finances represent the formation of centralized ad decentralized money sources, economical relations relatively with the distribution and usage, which serve for fulfillment of the state functions and obligations and also provision of the conditions of the widened further production”. This definition is brought without showing the environment of its action. We share partly such explanation of finances and think expedient to make some specification.

First, finances overcome the bounds of distribution and redistribution service of the national income, though it is a basic foundation of finances. Also, formation and usage of the depreciation fund which is the part of financial domain, belongs not to the distribution and redistribution of the national income (of newly formed value during a year), but to the distribution of already developed value.

This latest first appears to be a part of value of main industrial funds, later it is moved to the cost price of a ready product (that is to the value too) and after its realization, and it is set the depression fund. Its source is taken into account before hand as a depression kind in the consistence of the ready products cost price.

Second, main goal of finances is much wider then “fulfillment of the state functions and obligations and provision of conditions for the widened further production”. Finances exist on the state level and also on the manufactures and branches’ level too, and in such conditions, when the most part of the manufactures are not state.

V. M. Rodionova has a different position about this subject: “real formation of the financial resources begins on the stage of distribution, when the value is realized and concrete economical forms of the realized value are separated from the consistence of the profit”. V. M. Rodionova makes an accent of finances, as distributing relations, when D. S. Moliakov underlines industrial foundation of finances. Though both of them give quite substantiate discussion of finances, as a system of formation, distribution and usage of the funds of money sources, that comes out of the following definition of the finances: “financial cash relations, which forms in the process of distribution and redistribution of the partial value of the national wealth and total social product, is related with the subjects of the economy and formation and usage of the state cash incomes and savings in the widened further production, in the material stimulation of the workers for satisfaction of the society social and other requests”.

In the manuals of the political economy we meet with the following definitions of finances:
“Finances of the socialistic state represent economical (cash) relations, with the help of which, in the way of planned distribution of the incomes and savings the funds of money sources of the state and socialistic manufactures are formed for guaranteeing the growth of the production, rising the material and cultural level of the people and for satisfying other general society requests”.
“The system of creation and usage of necessary funds of cash resources for guarantying socialistic widened further production represent exactly the finances of the socialistic society. And the totality of economical relations arisen between state, manufactures and organizations, branches, regions and separate citizen according to the movement of cash funds make financial relations”.
As we’ve seen, definitions of finances made by financiers and political economists do not differ greatly.
In every discussed position there are:

1) expression of essence and phenomenon in the definition of finances;

2) the definition of finances, as the system of the creation and usage of funds of cash sources on the level of phenomenon.

3) Distribution of finances as social product and the value of national income, definition of the distributions planned character, main goals of the economy and economical relations, for servicing of which it is used.

Money management is not as easy as it sounds. However, in order to lead a happy and successful life, it is a must for each and every individual to manage his or her finances effectively. Managing money effectively doesn’t require any special skills or training, it just requires a little understanding and planning. To help you get started, following are some of the financial tips that will ensure that you live a comfortable and prosperous life.

Plan your budget
Every individual must plan his or her financial budget. You will face times when you will be tempted to make a purchase, which you actually don’t require. However, it’s better to avoid such situations as far as possible. This is more apt in case of youngsters, who tend to spend lavishly on high-end phones, branded clothes and expensive automobiles. However, you should be wise enough and exercise self -control while buying these items. If you do not learn to manage your money at a young age then there is a strong chance that you may face financial difficulties in future.

Create an emergency fund
Irrespective of how much your salary is or how much you are spending, each month you should keep some money separate as an emergency fund. Having such kind of fund will help to ensure that you do not encounter any emergency problem. This fund will act as a cushion in the troubled periods of your life.

Start saving at an early stage
At a young age you can take more risk as the family responsibility is far more limited and thus you must invest in various financial tools that offer high returns. Also, never invest your money in a single financial tool and spread it across various tools to ensure that there is a proper mix of equity, bonds, fixed deposits etc. Also, by investing at an early age, you will be able to save a lot of money for your retirement.

Understand taxes
You must know how the income tax in your country works, so as to save money on it. You should try to invest in various tax saving tools so that you don’t have to pay more income tax. If you have a complicated balance sheet, you must avail the services of a charted accountant. He will suggest you about the various ways through which you can divert your funds, thereby saving money on taxes.