Category: sports arbitrage

sports arbitrage

Negative Effects of Gambling

The addiction gets on to the gamblers to such an extent that they fail to think wisely before acting. Their debt keeps building and it may reach an amount that exceeds their capacity to repay.. Over time, it becomes a habit, and eventually an obsession that can’t be overcome. This proves to be detrimental to their social and family life. In spite of the losses incurred, they continue betting. According to the National Research Council, 10 to 17% of the children of problem gamblers have been abused and so have 25 to 50% of the partners of problems gamblers.

? Children of parents who are problem gamblers or gambling addicts tend to feel abandoned and angry, further increasing stress and leading to strained family relations.

? The stress from gambling may lead to health issues like ulcers, stomach problems, muscle pains, headaches, and problems with sleep.

? Gambling can lead to criminal activities. Six to eight million people in America are estimated to have a gambling problem.

? Over time, the practice of gambling starts becoming a habit and begins to have damaging effects at psychological, physical, and social levels. Due to lost mental peace, they may ill-treat their spouse and children. Card games, coin tossing, and dice-based games are some non-casino based forms of gambling. It can drag you into crime, gambling isn’t fun.

Initially, one looks at gambling as a way to run away from life’s problems, or from stress, anger, and loneliness. Some go that way to forget the sorrow of losing big sums when gambling.

? Research has shown that gambling can lead to harmful behavior in people. The National Council of Problem Gambling (NCPG) describes this type of gambling behavior as problem gambling.

? A majority of those addicted to gambling have substance abuse disorders.

? An Austrian study said that around 1 in 5 suicidal patients had a gambling problem.

Compulsive gambling leads to bankruptcy

? They start borrowing money and take secret loans. The decision to gamble money is based on three parameters namely; how much to bet, the predictability of the event, and the conditions agreed upon, between the gamblers. The effect is similar to that of having a drug or a drink, which is why gambling changes one’s mental state and mood.

? Studies show that children with a sibling or parent addicted to gambling, are more likely to take to substance abuse.

? The addiction to gambling can leave one in bankruptcy. The addiction has negative effects on one’s physical and mental health and it proves to be detrimental to one’s social, personal, and professional life. The addiction robs a gambler of all the productive time and leads to loss of efficiency at work. Sports betting and arbitrage betting are the other types. The stress of risking huge amounts of money or the frustration after losing it can increase the tendency of abuse in gamblers. The skill of a gambler lies in weighing the three parameters and making a decision about what amount should be staked and how much should be expected in return.

? Substances of abuse are served at casinos and in pubs and clubs, thus increasing the likelihood of gamblers consuming them. The addiction leads people to continue with gambling irrespective of whether they earn or lose in the deal. They tend to stay away from their near ones, resulting in distrust between them and their loved ones.

? Gambling has proven to be addictive. On giving a serious consideration to the negative effects of gambling, we realize that it is best avoided.

? Gamblers often exhibit mood swings and a strangely secretive behavior. It causes a decline in his/her work performance, thus hampering his career.

? As gambling leads to increased criminal activities, in a way, gamblers add to the burden on prisons and the legal system.

Gambling refers to the betting of money on an event with an uncertain outcome, with the intent of winning additional wealth. It soon becomes a habit that can’t be broken.

? Gambling at the cost of one’s job results in a decline in the quality of his professional life. Some take to substance abuse to supplement the high they get from winning huge sums while gambling. In the following sections of this Buzzle article, we discuss the negative effects of gambling on the individual and society.

You could be at gunpoint or holding the gun. When they lose the money they had risked, they further gamble to recover the lost amount and it becomes a vicious circle even they can’t escape from.

Gambling = Thoughtless Expenditure + Waste of Time

? Additionally, rehabilitation and public assistance systems are taxed.

? According to a research by NCPG, 76 percent of problem gamblers are likely to have a major depressive disorder.

? Gambling is practiced as a means of recreation. Because of this, they land in worse situations and take the wrong decisions in life.

? People continue gambling with the greed of winning money. The greed never ends and they keep betting more and more. Thus, gambling can have a grave economic impact which is difficult to reverse.

? Problem gamblers and addicts tend to abuse their family members. Addiction to gambling, coupled with substance abuse can make the gamblers physically abusive towards their family. Thus, gambling practices cause a huge financial burden on the families of the affected and on the society at large.

? According to the University of New York, in people with alcohol use disorders, the chances of developing an addiction to gambling are 23 times higher.

? Addiction to gambling has been linked with substance abuse. The two go hand in hand. They engage in gambling activities at the cost of their time with family and friends. Rehabilitating the gambling addicts needs money and time, and the process is not very easy. Their mental state can even lead to suicidal tendencies.

? People who fall prey to gambling tend to remain away from their families and waste money on other bad practices. To add to the so-called merry atmosphere, gamblers often smoke or drink while playing.

? According to a study by the George State University, 50% of the problem gamblers commit crime. Betting is a mentally taxing activity, and as one goes on risking more and more money, anxiety starts building.

? The costs of treating compulsive gamblers are huge. It only leads to a thoughtless expenditure of money and valuables.

? Similar to how an individual keeps consuming substances like drugs or alcohol to experience an altered mental state, he continues to gamble. A recreational activity is supposed to be refreshing and relaxing, but something like gambling is contrary to the very purpose of recreation. A study by the same university suggested that 73% of the individuals who are imprisoned are found to be problem gamblers.

Mental and physical health problems, financial issues, and conflicts in the family are among the common negative effects of gambling. ? Apart from absence at work and drop in efficiency, a common observation is that gamblers tend to steal money and engage in fraudulent behavior to recover from financial losses incurred when gambling, or to get more money to bet.

Games offered in casinos, table games like poker, Red Dog, and Blackjack, as also electronic games like Slot Machine and Video Poker are some of the common types of gambling. Forget satisfaction or peace, it is not even refreshing in the real sense

UBS Writes Down Positions, Predicts an Overall Loss in Third Quarter, and Reorganizes Management

Within the

Investment Bank, IBD has gained market share, the capital markets

business remains strong, and equities revenues –

though a bit weaker this quarter than a year ago, and in the context of

extremely difficult conditions – remain

healthy.

There are other, smaller, losses in equities proprietary trading within

an overall satisfactory result.

Mr. These securities are either AAA-rated or High Grade, and have a

short weighted average life.

Marcel Rohner, Group CEO, said: “UBS operates on the principle that

management is accountable to shareholders. UBS’s financial businesses employ more than 80,000 people

around the world. Overall, FIRC

will record negative revenues in the order of CHF 4 billion.

Our first quarterly loss in nine years is an unsatisfactory result,

especially after such a strong first half. Management action has been taken to

make certain these positions are appropriately valued and risk managed.

“On August 14, I said that if turbulent

conditions prevail throughout the quarter, we will probably see a very

weak trading result in the Investment Bank, offset by predictable

earnings from wealth and asset management. Scoby has a BS from Wharton School and an MA from the

University of Pennsylvania, both earned with honors in a total of four

years of study and awarded in 1987.

Within the Investment Bank, Money Markets, Currencies and Commodities

(MCC) will be integrated into Fixed Income under the leadership of Andre

Esteves.

Mr. There is also a smaller position of below USD 4 billion net

exposure to sub prime securities through warehouse lines and retained

CDOs. For most

sub prime holdings, this is not possible. He is a Swiss citizen. Scoby began his career with O’Connor and

Associates in 1987 and became a Managing Director in 1993. I have also made

appropriate senior management changes, and will accelerate

already-planned changes to the firm. Following these actions, UBS is in

a strong position to continue to grow its client businesses.

While the third quarter loss means that pre tax results for the full

year 2007 will most probably be below those for 2006, total earnings

should still be at a high level and UBS will finish the year in a strong

capital position.

When most mortgage backed securities positions were set up there were

offsetting positions in place, designed to mitigate risk in normal

market conditions. He also chairs

the Swiss Institute for International Studies (SIAF).

William Ferri is the Head of Business Development and Logistics for

Alternative and Quantitative Investments (A&Q), an alternatives platform

within Global Asset Management.

Management changes

. I have therefore taken

decisive action to be as transparent as possible. We have thousands of

talented people throughout the organisation who, by working together,

will deliver further value to our clients and additional growth to our

shareholders.”

Mr. The one firm approach requires a

successful and profitable Investment Bank. It has offices

in 50 countries, with about 39% of its employees working in the

Americas, 34% in Switzerland, 16% in the rest of Europe and 11% in Asia

Pacific. He received a BS form Cornell University in

1988 and a JD from the University of North Carolina in 1991.

Commenting on these changes Marcel Rohner said:

Short bio Joseph Scoby

With effect from today:

Mr. Suter has been with UBS and its predecessor, Swiss Bank Corporation,

since 1974. From 1996 until the merger of SBC

and Union Bank of Switzerland in 1998 he served as regional manager of

the Zurich-Eastern Switzerland-Ticino area for the corporate and

commercial banking activities of SBC. Global Asset Management continues to perform well. Mr. He is a member of the

Global Asset Management Executive Committee and a member of the UBS

Group Managing Board.

UBS is one of the world’s leading financial

firms, serving a discerning international client base. Its business,

global in scale, is focused on growth. Joseph Scoby’s record both as

head of A&Q and previously as Joint Head of US Equities within the

Investment Bank makes him an ideal successor to Walter Stuerzinger. Group

CFO Clive Standish to retire

– Marco Suter, Executive Vice Chairman, UBS, to become Group CFO

– Walter Stuerzinger, Group Chief Risk Officer (GCRO), to become

Chief Operating Officer (COO), Corporate Center

– Joseph Scoby, Global Head of Alternative & Quantitative

Investments, UBS Global Asset Management, to become GCRO, UBS

Investment Bank changes:

– Robert Wolf, COO, Investment Bank, additionally appointed

President, Investment Bank

– Money Markets, Currencies and Commodities (MCC) to be integrated

into Fixed Income

– Initiation of cost reductions in Investment Bank

Walter Stuerzinger, Group Chief Risk Officer (GCRO), will become Chief

Operating Officer, Corporate Center, and hand over the GCRO position to

Joseph Scoby, currently Global Head of Alternative and Quantitative

Investments (A&Q), Global Asset Management. However, the deterioration in the US sub prime

residential mortgage backed securities market, especially in August, was

more sudden and more severe than in recent history, and markets became

illiquid. These positions consist overwhelmingly of

AAA-rated tranches, 80% with a weighted average life of less than three

years. All other businesses in the Investment Bank, and our

Global Wealth Management & Business Banking and Global Asset Management

businesses, continue to record good results. Between 1999 and 2005 he was Group Chief Credit Officer and

a member of the Group Managing Board. A&Q currently has over USD

60 billion in assets under management.

Joseph Scoby’s first task as a member of the Group Executive Board will

be to review and refine our risk processes. Ferri began his legal career practicing corporate law at Seward &

Kissel, from 1991 to 1995. Suter was born on 7 May 1958. Wolf also participated as a panel member at

the inaugural Wall Street forum for HIV and AIDS alongside former UN

Secretary Kofi Annan.

Mr. His long experience and knowledge of UBS, including as

Group Chief Credit Officer, make him extremely well qualified for this

position. Scoby’s

experience includes portfolio management in commodity options,

convertible arbitrage, equities, equity derivatives, corporate bonds,

merger arbitrage, quantitative equity, real estate finance, and

fundamental based equity long short funds. Clive Standish, Group Chief Financial Officer, will retire.

In addition, UBS has taken significant write downs on positions in Super

Senior AAA-rated tranches of CDOs, based on level 3 valuation models.

UBS has only limited exposure to leveraged lending with commitments of

about USD 13 billion. Huw Jenkins, Chairman and CEO of the Investment Bank,

will step down from his position and become a senior advisor to Marcel

Rohner.

Marco Suter was elected to the Board of Directors at the Annual General

Meeting of UBS in April 2005 and thereafter appointed as Executive Vice

Chairman.

ZURICH & BASEL, Switzerland–(BUSINESS WIRE)–Regulatory News:

UBS has no material exposure to conduits.

Biographies

Third quarter results

Despite the unsatisfactory results for the third quarter, we still

expect to end the year with a good level of profits and in a strong

capital position. Ferri joined the UBS Investment Bank in 1998

as Director of Equity Compliance. He originally worked for PaineWebber

Inc. Mr. Mr. Its shares are listed on the SWX Swiss Stock Exchange,

the New York Stock Exchange (NYSE) and the Tokyo Stock Exchange (TSE).

Results for third quarter 2007 will be announced on October 30, 2007 as

planned.

The marks take a cautious view of future developments in the US mortgage

market and UBS is content to hold these securities at this level of

valuation.

These write downs are mainly of (a) legacy positions of the now closed

Dillon Read Capital Management subsidiary and (b) positions entered into

as part of the Investment Bank’s mortgage

backed securities business.

Short bio Marco Suter

Robert Wolf is the Chairman & CEO of UBS for the Americas. We have a strong balance sheet, a strong franchise, and

leading positions in all businesses in all regions. (since 1995) where positions held included Corporate Vice President

and Associate General Counsel to the Global Equities Division, and

Deputy Director of Compliance.

Following a write down of positions in fixed income, rates and

currencies (FIRC), mainly related to deteriorating conditions in the US

sub prime residential mortgage market, UBS is likely to record an

overall Group pre-tax loss of between CHF 600 million and CHF 800

million for third quarter, ended September 30. He is married with two children.

A video containing an interview with Group CEO Marcel Rohner is

available at www.ubs.com/media as

well as at www.cantos.com.

Previously, he was General Counsel for the O’Connor

hedge fund and fund of fund businesses, and was on the O’Connor team at

its relaunch in 2000. Wolf graduated from the Wharton School at the University of

Pennsylvania with a B.S. Suter first joined the bank in 1974 as an

apprentice at SBC’s St. In fact, conditions remained

turbulent, so we will make an overall pre-tax loss at Group level for

the quarter.

The remaining relevant positions in direct sub prime RMBS have a current

net value of USD 19 billion. UBS remains a formidable

competitor in financial services and is well positioned to deliver

long-term profitable growth.”

Continued strong performance in other business areas

Working closely with other members of the management team and the key

investment professionals within A&Q, Mr. This led to substantial valuation losses, including in

securities with high credit ratings. These have also been written down appropriately,

leading to a limited loss on these positions in third quarter.

Short bio William Ferri

As a result of the planned changes within the Investment Bank, overall

staff numbers will fall by about 1,500 by the end of this year.

“I am confident that, with these changes and

by properly absorbing the lessons of this quarter, we will become a

stronger bank. Ferri has overall

responsibility for managing the logistics platform and business

development effort of the group, ensuring the investment team’s

requirements are met while maintaining the appropriate control

infrastructure. A

glossary, containing definitions of some of the less-well known terms

used in today’s release, is also available at www.ubs.com/media.

UBS

UBS is present in all major financial centers worldwide. Mr. From

1995-1999 he was the Joint Head of US Equities at the Investment Bank,

with responsibility for approximately 650 employees. As an integrated firm, UBS

creates added value for clients by drawing on the combined resources and

expertise of all its businesses.

Marco Suter, Executive Vice Chairman, UBS, will leave the Board of

Directors to become Group Chief Financial Officer, and join the Group

Executive Board. Pre-tax profits for the

first nine months of 2007 will be in the order of CHF 10 billion. He served as Global Head of Fixed Income from

2002 – 2004, having joined the firm in 1994

after spending approximately 10 years at Salomon Brothers.

Commenting on these decisions, Marcel Rohner, Group CEO said:

Mr. Marcel

Rohner, Group CEO, will reorganize senior management, take over as

Chairman and CEO of the Investment Bank, and accelerate structural

improvements to the firm.

Where possible, holdings are marked at the quoted market price. Wolf is on the Undergraduate

Executive Board of the Wharton School and sits on the Athletics Board of

Overseers at the University of Pennsylvania. Prior to his appointment to his current position in 2004, Robert

Wolf was Global Head of Fixed Income for over three years.

In addition to his roles at UBS, Mr. During 2008 we will continue

to focus on improving cost and balance sheet efficiency.”

Joseph Scoby is Global Head of Alternative and Quantitative Investments

(A&Q), an alternatives platform within Global Asset Management with

approximately USD 60 billion in assets under management and 360

employees around the globe. He has also been the head of O’Connor,

a specialist hedge fund provider within A&Q, with assets under

management of approximately USD 7.5 billion. He also has extensive

experience in solving institutional and corporate client problems using

derivatives. in Economics. In Global Wealth Management &

Business Banking, all geographical regions continue to attract net new

money. In

Switzerland, UBS is the market leader in retail and commercial banking.

In the third quarter, UBS will recognize substantial losses in FIRC

within the Investment Bank, mainly on its holdings of securities related

to the US sub prime residential mortgage (RMBS) market. Mr. He also

serves as Global Chief Operating Officer for the Investment Bank.

Short bio Robert Wolf

Marcel Rohner, in addition to his duties as Group CEO, will for the

foreseeable future take over the role of Chairman and CEO of the

Investment Bank. Ferri is also responsible for managing the product

pipeline, business development, sales and client services.

Robert Wolf, Chairman and CEO, UBS Group Americas and Chief Operating

Officer Investment Bank, will additionally become President, Investment

Bank. William Ferri, currently

Head of Business Development and Logistics for A&Q, will be appointed as

the new Global Head of Alternative and Quantitative Investments.

UBS is the leading global wealth manager, a top tier investment banking

and securities firm, and one of the largest global asset managers. Valuations therefore mostly

use models with observable inputs, where possible, and level 3 valuation

models otherwise.

All other UBS businesses remain strong. He is on the Executive

Leadership Council for the Multiple Myeloma Research Foundation, on the

Board of Trustees for the Children’s Aid Society, the Board of Directors

for the partnership for NYC and on the Board of Directors for the

National Sports Museum. Gall office and later broadened his experience

with assignments in Nyon, New York, Basel, Zurich and London.

 

In third quarter 2007, expected pre-tax loss for the Group between

CHF 600 million and CHF 800 million, due mainly to write downs and

losses in the FIRC business within the Investment Bank

For the first nine months of 2007 pre-tax profits for the Group in

the order of CHF 10 billion, and expect to end the year with good

level of profits and a strong capital position

All other businesses in the Investment Bank, as well as the Global

Wealth Management & Business Banking and Global Asset Management

business groups, performing very well

Management changes:

– Investment Bank Chairman and CEO Huw Jenkins to step down. Mr. Wolf is a member of the UBS Group Managing Board and the Investment

Bank Management Committee. These events have led to the

management changes announced today. Prior to that, he held various

management positions in SBC’s investment banking operations, first as

the Continental European Head of Merchant Banking and later as the Chief

Credit Officer for EMEA

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What motivates you to be here?You want the elusive opportunity of earning revenue from your hubs and to be a successful writer at the same time. There is no “how-to” manual but we do our best to learn as we go along

Get real;we only have one life2 years ago

We only have one life-that is the reason we have to make the most of it. Secondly, healthier roses are better at resisting disease.

Mulching roses has many benefits. This combination resuIts in an infection from the cold symptoms while the flu virus causes other symptoms, The treatment…

The Dangers of Modern Medicine3 years ago

There is a lot of money spent by pharmaceutical companies and others on advertising the benefits of modern medicine.Consequently,a lot of negative information on the subject does not reach the public domain.Although…

A History of Irish Whiskey3 years ago

Another name for Irish whiskey is uisce beatha which means water of life.In olden times it was a liqueur and following this it was drunk by the upper classes in Ireland.An illegal form of alcohol called poteen was…

A Collection of Irish Jokes3 years ago

I am a firm believer that a sense of humor is the best gift to have and it is especially important to be able to laugh at ourselves.So without further ado,here is a selection of jokes that I have heard along the journey…

Boost your metabolism the easy way3 years ago

Metabolism is defined as the rate at which the human body consumes calories and energy. This is a short-term consequence, occurring mainly during…

Mind Matters for Positive Mental Health3 years ago

A wholesome,gentle discipline is a much better way of dealing with the challenge of maintaining positive mental health than struggling and fighting a losing battle against it.

The Myth of Male/Female Roles3 years ago

We are all stereotyped in male/female roles to some extent or another and those roles have a negative impact on our environment.We can all be the best we can be-here’s how

How to Benefit from Meditation12 months ago

It is said that meditation can enhance physical health,help deal with stress and assist one to deal with chronic pain.Other benefits include an improved sleeping pattern as well as feeling happier and more at…

Nonfluency and Stuttering in Children3 years ago

Fluency problems are just one type of speech and language impairment which occur in children.In some children, nonfluency may be a part of normal language development or may be the beginning of a stammer which the child…

Why do Different People Need Different Amounts of Sleep?3 years ago

Sleeping is something that is common to all animals, including humans. Indeed, every culture has their share of proverbs which are…

Wind Power:A Renewable Source of Energy3 years ago

Wind has been used for energy in the past by sailing ships which used wind to propel the ship along in the absence of any other fuels available. First of all, you need a plan of what you are going to do so you can focus on the job in hand. They occur naturally in the food we…

Lose weight the Healthy Way3 years ago

mproving awareness of the risks of obesity is one way of tackling this problem. It also causes high blood pressure and cancer as well as being…

Feeding and mulching roses3 years ago

There are two main reasons for feeding roses. For example, people communicate on television talk shows, in conversations,on…

A Hub for Hubbers:Content3 years ago

It looks to me that the hubs that get most views are those which are of a general nature and the most successful hubbers are those who write content for the readers rather than what they would prefer to write themselves…

A Selection of Irish Jokes3 years ago

The Irish are well-known for their sense of humor and especially for their ability to laugh at themselves.Here is a selection of Irish jokes, designed to make you laugh, giggle or at least smile. It is positive however that there is now an understanding of issues of dependency and these addictions can now be…

What is Language?3 years ago

A definition of language which is quite comprehensive is the use of a system of words which people in the same country,community or cultural tradition have in common. This hub explores what we need to do to achieve these things and how to redress the balance when we don’t have them

How to Eat More Fiber in Your Diet3 years ago

There is plenty of research into the benefits of eating enough fiber but a lot of people still don’t eat enough of it to maintain optimal health.

History of Terrorism in Ireland and the United Kingdom12 months ago

To understand the history of terrorism in Northern Ireland, it is necessary to provide a history of when it started and how it evolved.This phase of Irish/UK history is known as “the Troubles” and started in…

Colds and Flu in Children3 years ago

It is common for flu and cold to occur together in their attack on a child’s immune system. The next thing you need are…

Keep Your Heart Healthy3 years ago

Exercise,healthy eating and managing stress are three essential things to do to maintain good health.Get some tips for each of these three areas and be on the way to a healthier lifestyle.

Research on the Causes of High Blood Pressure3 years ago

High blood pressure, also known as hypertension is a common risk factor in the occurrence of strokes and the development of heart disease. Read on for more on this topic.

The Benefits of Echinacea3 years ago

Echinacea is a member of the daisy family and includes a variety of flowering plants native to North America.Echinacea is also known as the purple coneflower.It blooms throughout the Summer and is used as a herbal…

Mental Health Care:A New Approach3 years ago

The problem with traditional mental health care which is currently being addressed is twofold:

Arbitrage betting:a good approach for gamblers3 years ago

Arbitrage is a betting system that works well in sporting events where there are only two possible outcomes eg.tennis and boxing.It is also commonly used in horse-racing using the difference in odds between two…

Effectiveness of Alternative Medicine for Osteoarthritis3 years ago

Osteoarthritis is a condition caused by degeneration of the joints which can lead to loss of cartilage.Although there are various alternative remedies reported to be used effectively by osteoarthritis sufferers the…

Live to Learn;Learn to Live22 months ago

We all have basic human needs for companionship and/or contentment. To find out more,read on…

Causes, Symptoms and Treatment of Bipolar Disorder 3 years ago

Bipolar disorder,previously known as manic depression is a psychiatric condition characterized by serious shifts in mood,thinking,energy and behaviour. We must see the glass as half-full instead of half-empty and always remember it is refillable. Treatment of bipolar involves medication,therapy,lifestyle changes…

How Alcohol Affects Your Eyes3 years ago

It is clear that alcohol affects your eyes in many ways. In the beginning, the dog protected it’s master from attacks from wild animals as well as guarding his livestock.In social evolutionary terms, it is true to…

Ten Top Tips to deal with slugs and snails3 years ago

Slugs and snails are a real headache for the gardener because they do so much damage to plants.They are similar except for the fact that a snail has a shell and a slug doesn’t.There are many ways of disposing of them in…

The Dangers of Alternative Medicine3 years ago

Alternative medicine (also known as natural medicine) is an umbrella term for disciplines such as aromatherapy, acupuncture, homeopathy, herbal medicine etc. It is also necessary to be able to change our minds to be flexible instead of stubborn. We all deserve freedom from smoking.Stop smoking before it stops you!

The Hedgehog:Organic Pest Control3 years ago

The hedgehog is the gardener’s friend as it is a natural predator of common garden pests. They are both different elements of a good lifestyle. For example, someone could eat very well but have…

How to Benefit from Yoga3 years ago

Yoga increases the health of the body by the use of different postures. There are thirty-two counties in Ireland