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In The Other Path, Robert J. Klosterman’s follow-up to The Four Horsemen of the Apocalypse, the author once again offers his astute financial and investment advice. The book’s subtitle, “Illuminating the Path Toward Volatility While Achieving Equity-Type Returns,” is apt, as that is just what Klosterman advocates that investors do to achieve optimal monetary gains with their investment portfolios. Klosterman gets his title from Robert Frost’s famous poem, “The Road Not Taken,” which he quotes at the beginning of The Other Path, a highly interesting book that offers investors insights into a different sort of investment approach than they might be used to, though a very effective one that is designed to aid investors to earn equity-type returns while reducing the volatility that many other investors experience who only try more traditional approaches when it comes to planning their portfolios.Klosterman’s book, The Other Path, is relatively short, coming in at just 60 pages, not counting the Appendices at the conclusion of it, but his approach to investing which he details in it is one which is very informative. The book is sure to interest and be beneficial to anyone who would like to lower his/her investment risks while maximizing his/her potential monetary returns.The very title of Klosterman’s book, The Other Path, alludes to an investment strategy, or road, that most people have traditionally followed, which is investing their money entirely in stocks, bonds and cash. Such an approach is a tried-and-true one that has proven beneficial to many investors, but it has also proven to be a sometimes volatile path for others. Investing in stocks, bonds and cash, Klosterman argues, is an important part of an overall investment strategy, though there are other opportunities for diversifying one’s investments and reducing the volatility many portfolios unfortunately undergo, a volatility which can cause the monetary value of one’s portfolio to experience a disastrous nosedive.Still, the main leg of the milk stool, that is, investing in stocks, bonds and cash, is a vital component in a wise investment strategy, according to Klosterman’s assessment in The Other Path. He calls it the core leg of a metaphorical three-legged milk stool, with each leg in the metaphor referring to a different but complimentary strategy when it comes to investing. If an investor diversifies his/her portfolio and does not solely focus on the main leg of stocks, bonds and cash, but also invests his/her money in nontraditional ways, Klosterman argues, using a series of useful and informative charts and graphs, that one’s portfolio is much less liable to experience a disastrous financial loss and the volatility of one’s portfolio will be reduced.The second of the three legs of the milk stool is “Diversifiers,” and the third leg is “Absolute Returns.” Klosterman argues that “Diversifiers,” or alternative or nontraditional Investments, help reduce the volatility of an overall investment portfolio. Some examples that the author gives of nontraditional investments include real estate, private equity, “developed and emerging international equities,” distressed debt, and managed futures. These sorts of nontraditional investments can reduce volatility by either having a “very low correlation with traditional markets,” as Klosterman writes, or by delivering “consistent returns year after year, with little or no volatility.”The third leg of the milk stool, “Absolute Returns,” is also the name of Chapter Four of The Other Path. Absolute returns are investments, according to Klosterman, which “demonstrate the same qualities of a bond with the assurance of return of principle and consistent payment of interest.” The author writes that they are similar to ten-year treasury bonds but “they are not backed by the full faith and credit of the United States.” Despite this, Klosterman states that aspect of absolute return vehicles can be considered to be an advantage. That is because strategies involving absolute return vehicles, as the author writes, “can invest in sound ideas and not have to fit restrictions that other institutions have.”One example is investing in companies that lend money to small businesses and house flippers. These companies can work fast and close loans faster than banks. These companies have the ability to provide quick access to loans for money to people like real estate developers or house flippers, in comparison to banks.In The Other Path, author Robert J. Klosterman writes about a no-nonsense approach to nontraditional investing and how it can benefit one’s investment portfolio and help reduce volatility. The book also examines and identifies “trouble signs” besides volatility when planning one’s portfolio, like groupthink, market disruptions and inflation. While Klosterman recommends that investors follow the advice of professionals who are experts in planning investment portfolios and have proven track records over at least a decade, The Other Path is an interesting and insightful look at adding nontraditional investments to an individual’s portfolio. Whether investors want and like to plan their investment strategies on their own, or with the advice of professionals, The Other Path is an eye-opening Must Read designed to inform investors of types of alternative investments that can balance out their portfolios and reduce the negative effects of market volatility. It is a book I would highly recommend to anyone who has ever considered expanding their investment portfolios and adding nontraditional investments to them.

The healing techniques that you can resort to in case you suffer from any kind of body related problems are many. However, against the very conventional ways of taking the simple medicines provided by the doctor are losing significance. The alternative health care is coming into picture, present day, with flying colors. People are becoming more aware about the alternative health care ways as a result of which the newer ways are being devised. A huge number of the pharmaceutical companies work for providing the best remedies for most of the upcoming health problems. This is not the only field of development. The alternative health care ways like the acupuncture and the different massage techniques all extend to fighting against a wide range of health related issues.Taking into consideration, the wide range of alternative health care ways that have come up in different parts of the world, the ancient eastern secrets have made their mark. The acupressure and the acupuncture, known to almost people all over the world, also owe their origin to the ancient eastern secrets. There has been an exponential rise in the number of people trying the alternative wellness care ways. A huge number of practitioners work for this cause, which has its foundation on bringing the soul and body together. This kind of alternative health care is based on the meditation principles.The secret behind the miraculous effects of these kinds of health care techniques lies in the ingredients. Most of these constituents making up the alternative health care ways of healing are availed from the dense forests scattered all over the planet. They have the special power to extract all the positive energy elements so that they can do well to the body suffering from different kinds of diseases. The question often arises, against the big pharmaceutical companies as to why be these elements provided by them? The answer is very simple to guess based on the principles of profitability of the running business.These techniques have lots of positive effects, yet there is no assurance that they will always work without fail. The results provided by the alternative health care ways depend on many other factors. As a result they may at times fail, just as the other pharmaceutical medicines. However, they are readily available in many health stores and also a simple internet search can give the results.Note: You’re free to republish this article in any way you want, as long as kept in its entirety. No changes and all links intact.

The biggest challenge facing group health care in the last few years has been the dramatic escalation in prices, due mainly to the increasing cost both of prescription drugs and of medical care. This has forced every health insurance agency Pittsburgh to increase premiums, and this in turn has meant that many companies have had to cut down on their employee medical benefits. Some regions, like Pittsburgh PA, appear to be in the forefront of the fightback against these trends, by bringing in measures to achieve the best possible health outcomes combined with maximum value for money.One not-for-profit organization leading these efforts is the Pittsburgh Regional Health Initiative (PRHI). Although there are similar groups across the nation, the PRHI is unique in incorporating businesses and personnel from outside of the health care field, which enables it to bring in innovations from other areas of industry. One of these is the health home model of care, whereby the whole of a patient’s care from start to finish is coordinated by a designated physician. This has already been achieved at some of the city’s health centers.This model of coordinated care is increasingly being seen as the way forward, and is being taken up by at least two of the largest health care insurers in the region. One of these, Highmark, has set up a large scale health home pilot project incorporating about 150 providers of primary care, encouraging the providers to look at agencies outside themselves to increase coordination of patient care. The results are so encouraging that it is considering expanding the number, even before the completion of the pilot. Meanwhile Pittsburgh’s other major insurer, UPMC Health Plan, has set up its own health home program, which tracks recently discharged patients to ensure they are receiving the follow up care they require. The company report spectacular improvements in health outcomes as a result.Pennsylvania is also in the lead in encouraging other means of reducing group health insurance costs. Healthy spouses are being encouraged to insure themselves individually, as it has been shown this can be done more cheaply than under a family care plan. Pennsylvania has also pioneered the Children’s Health Insurance Program, offering free or low cost coverage of children to parents living in the state.Every health insurance agency in Pittsburgh is only too aware of the problem to employers posed by the remorseless rise in health care costs. It is becoming increasingly clear to these agencies that coordination of patient care has a major part to play in bringing about greater efficiency, and combining this with improved outcomes for patients. Provision of group health care can be daunting in the current climate, but this region is in the lead in utilizing the power of innovation to make the provision both more affordable, and more effective.

A person is said to be physically fit if he or she is physically sound, healthy and he or she has the ability to perform physical activities well. Nowadays more than 60 % of people say that they don’t have enough time to running for an hour or hit the gym. But all these people want to be fit and get into better shape.No doubt people all over the world are more and more health conscious, but most of them don’t know how actually complete fitness can be achieved. Although one can prepare his / her personal fitness plan provided some important tips and precautions have been taken into consideration, otherwise it can cause adverse effects.Online books and videos about fitness training can be helpful to some extent but has the drawback of non confirmation that you are adopting them correctly.If you can not visit gyms or health clubs and also are not able to make up your mind to rely upon books or videos, then the best option for you could be hiring a personal trainer for few days. Personal training sessions are very popular these days among people who want a focused fitness program designed for their individual needs and implementing it in the right direction at their own place.You may hire a certified and professional personal fitness coach who can provide you fitness training sessions with a well organized fitness plan as per your age, sex, medical condition and your daily works schedule at your home or office.Benefits of hiring a Personal Fitness Coach:Diet plan – Personal fitness coach prepare daily diet plan in which he / she decides that what are your calorie requirements and how can you get it perfectly. Fitness trainer know very well that according to trainee’s age, height, weight and medical condition what calories requires to get high fitness results.Fitness training sessions – On the basis of trainee’s age, sex, weight, height and medical condition fitness instructor prepares the physical exercise session plan in which he or she decides what type of exercise is required for trainee and which exercise a trainee should do first and for how many times. Fitness coach divides the whole fitness programs in different small sessions and set the priorities and time of exercise according to particular fitness trainee. This training program you can further continue by yourself at your home.Exercise Equipments- Personal fitness trainer generally bring fitness equipments needed for exercising and also can guide you what kind of equipments you should use to carry on with your fitness program.Physical and Mental fitness- Perfect physical fitness is directly correlated to mental fitness. A certified fitness trainer trains you to develop a positive attitude and motivates you for exercising so that you lead a healthy life.