Gary`s Blog in South Jersey

Happy 2011

We thank you for continued referals and the earned repeat business.  WIthout you, our loyal clients, we would not be where we are with 34 years in the business.  From my family to yours, we wish you a happy and healthy New Year in 2011.  May 2011 bring you fulfilled dreams and memories that last!

Happy New Year!

Committed to Your Success, Gary D Simmens  Broker/Associate Balsley/Losco Real Estate

Happy holidays to everyone! A time of heartfelt thanks...

Wish to thank all my clients, friends, my super co-workers, you are all so awesome!-Everyone rocks! My heartfelt thanks for helping me accomplish my 34th year in the real estate business. I am not that old now ! :) --Remember I have been licensed to sell real estate since 18 years young, and a broker since 23 years old, I have worked through 4 recessions now, our office is still leading the way, with the super help from my co workers and good client cooperation, we found ways to make people happy and get the job done right. -THANK YOU- I appreciate your business and timely thoughtful buyer and seller referrals.

Just have to mention, super time to be a Philadelphia sports fan now--The Eagles, Flyers playing in top form and how bout those Fabulous Phillies getting pitcher Cliff Lee back!-Awesome early holiday gift for us Phillies fans.  Heck- even the 76ers tonight, almost just beat the NBA leading Boston Celtics with their new improved defense of late. They may not make the playoffs like the other Philly teams but they are quickly getting more respectable each week.

Hope everyone`s holiday season is filled with alot of love and happiness that bring alot of fond memories for you and your family. May you have a super 2011, The south Jersey shore area, Atlantic and Cape May counties should show improvement in sales, with an overall slow improving economy. Be safe and keep warm--it`s cold out there!--But remember it`s usually the best time- right now-to get that timely great bargain--smart investment you always wanted. Low bargain interest rates and low prices can`t last like this perfect buying storm forever now.  Here to help! In Appreciation--My Best  Gary Simmens

Why Condo Owners Need Insurance

Why Condo Owners Need Insurance

If you own a condominium, you may think you don’t need insurance protection. Think again. Although your condominium association offers a “master” insurance policy that covers the building and commonly owned property, this insurance probably does not protect your upgrades, furnishings and other belongings.

That means if a burglar breaks into your condo, a fire causes smoke damage to interior walls of your unit or a visitor falls and hurts himself inside your home, you will not be covered by your condominium’s general insurance policy. This is exactly why you need your own condo owner’s policy. This personal coverage could protect you in the event of theft, damage and personal liability situations.

Every condo is different

Before you purchase condo insurance, you should find out exactly what is covered by your condominium association’s master policy. Generally, these policies cover only the structure of the building, but it varies depending on your state and particular condominium. It’s important to do your homework and find out exactly what is and is not covered so you can make sure your personal policy covers the rest.

What kind of coverage do you need?

The type of coverage you need greatly depends on your unique situation. However, you’ll definitely want to protect yourself against theft, damage and personal liability incidents. Depending on where you live, you may also need flood insurance or other special coverage.

A professional insurance agent can help you figure out exactly what kind of coverage you need. You may want to ask yourself the following questions as you decide on the details of your insurance policy:

• What parts of the condo am I responsible for according to my condo association’s bylaws?
• How much would it cost to replace or repair my condo?
• How much are all of my personal items worth?
• Do I have especially valuable items in my condo, such as jewelry, antiques, fine art or collectibles?
• Do I run a business out of my home or often work from home?

You should also think about liability coverage. Unfortunately, we live in a lawsuit-happy society today. So, if a visitor falls down your stairs and breaks his leg or slips on some water in the kitchen and throws out her back, they may ask you to pay for medical expenses, lawsuit costs and other compensation awards. That’s why it’s so important to make sure your insurance policy includes liability protection.

Don’t skimp

Whatever you do, don’t assume that your condo association has you covered. This assumption could cost you thousands of dollars in the long run. Do some research and find out exactly what kind of protection your association’s insurance policy provides. You’ll probably discover that it’s not nearly enough to protect your personal property and belongings.

An expert insurance agent can help you determine exactly what kind of coverage you need. She may be able to offer you special discounts if your condo has smoke detectors and central station burglar and fire alarms. You could also save by purchasing a home and auto insurance package through the same insurer.

What Men and Women Agree on with Properties.

  Men and Women Agree in Home Must-Haves
It's true. Men aren't looking for exactly the same things women are when they go home shopping.
A survey of 1,000 home shoppers concluded that while about an equal number of men and women sought green features – about 27% – and 35% of both sexes put a high priority on a home office, there is disparity in the desire for other features.
Both sexes did agree on the biggest turn-offs: structural damage, bad odors, a busy street, and awkward floor plans.
Here are the top 10 features most desired by men:
Garage parking, 85.5%
Master suite, 79.8%
Ample storage space, 71.2%
Guest bedroom, 70.2%
Large closets, 64.2%
Outdoor entertainment, 63.4%
Updated kitchen, 59.1%
Breakfast room, 55.2%
View, 44.5%
Large yard, 43%
Here are the top 10 features most desired by women:
Garage, 87.7%
Master suite, 77.8%
Ample storage space, 72.7%
Large closets, 68.7%
Outdoor entertainment, 64.2%
Guest bedroom, 63.9%
Updated kitchen, 61.8%
Breakfast room , 56.1%
Large yard, 43%
Wood floors, 40.9%

Fed leaves the rates alone for now.

Fed: Economy better, rates to stay low

By Chris Isidore, senior writerApril 28, 2010: 3:28 PM ET

NEW YORK (CNNMoney.com) -- The Federal Reserve said Wednesday it sees further signs of improvement in the U.S. economy, but not enough to start raising its key interest rate from near 0% anytime soon.

The Fed's statement Wednesday once again spoke of a U.S. economy now in recovery, stating that "economic activity has continued to strengthen and that the labor market is beginning to improve."

But the central bank made little change in its language used to describe the outlook for its policy, saying it expects that economic conditions will "warrant exceptionally low levels of the federal funds rate for an extended period," as it has at every meeting since June of last year.

The fed funds rate, the central bank's key overnight lending rate, is a benchmark used to set interest rates on a wide variety of consumer and business lending.

In December 2008, the Fed cut the rate to near 0% in an effort to spur economic activity, and has left it there ever since.

How Warm Will The East Get This Week?

Warmer air will continue spreading eastward across the country the rest of the week, sending temperatures soaring well above normal from the Plains to the Northeast and mid-Atlantic. The warm-up in the East will span through Saturday, making for a beautiful first day of spring.

For many places in the Northeast, temperatures Friday and Saturday will be the warmest they've been since November or early December. Temperatures in Philadelphia and Washington, D.C., are expected to reach 70 for the first time since the middle of November.

High temperatures will reach the 60s across a large portion of the Midwest and mid-Atlantic Thursday through Saturday. Across much of the Carolinas, Virginia and Maryland, highs will reach the 70s Friday and Saturday.

High temperatures in New York City and Pittsburgh are expected to be in the 60s Wednesday through Sunday, making this the longest stretch of days with temperatures over 60 degrees since late October.

By Saturday, temperatures across southern Virginia and northern North Carolina will reach the upper 70s. It is possible that a few places reach 80 degrees for the first time this year.

The warmth is also being felt across much of the Midwest and northern Plains. Temperatures will remain 10 to 20 degrees above normal with highs in the 50s and 60s across these regions over the next couple of days.

A cold front will, however, bring an end to the warmth as it heads eastward across the northern Plains Thursday into Friday and the Midwest over the weekend. This colder air will reach the Eastern Seaboard early next week.

Thunderstorms, some strong, are expected to develop ahead of this front as it crosses the nation. In its wake, snow will fall across areas from the Rockies to the upper Great Lakes as temperatures plummet into 20s and 30s.

NJ Senate passes $300 Million tax increment deal for Revel casino in AC

In a move that caught opponents by surprise, New Jersey senators voted Monday to ensure that hundreds of millions of dollars in tax breaks for the Revel Entertainment Group’s Atlantic City casino project cannot be overturned by public petition.

State Sen. Raymond Lesniak, D-Union, brought an emergency resolution to Monday’s Senate session to ask members to bring the bill up for final reading and passage, after a contentious committee hearing on the idea earlier this month divided union members from southern New Jersey.

The proposed law would affect any project funded through the Economic Stimulus Act and would prevent the public from filing a petition for a referendum on any project funded that way.

The change applies to Revel Entertainment Group’s project, which is in the middle of applying for a $300 million tax-increment financing deal with the state. The deal would allow Revel to pay just a quarter of its sales and room taxes over 20 years. The developers hope those breaks would make their property far more attractive to potential financiers of the $2.6 billion casino project.

Atlantic City Council, which has a say in the tax-deal application to the Economic Development Authority, signed off on the plan in mid-January. Opponents had tried to petition City Council to hold a public vote.

That opposition, led by Bob McDevitt, head of Local 54 of UNITE-HERE, led to angry exchanges before the Senate Economic Growth Committee on Feb. 1. McDevitt and others called the financing deal a bailout for Morgan Stanley, which owns Revel.

Leaders of other unions disagreed with McDevitt, saying the bill was vital for the survival of the Revel project and the jobs it would create.

But in an amendment Monday, Lesniak widened the scope of the bill prior to the vote, incorporating new rules that gave more leeway to a building project for a state university.

The schools, and not Revel, were the cause of the emergency floor maneuver, Lesniak said Monday. “Montclair State University needs the technical amendments in the bill to get shovels in the ground,” he said. The school is ready to build a new housing and dining center for students.

Sen. Jim Whelan, D-Atlantic, applauded Lesniak's decision to combine the contentious bill with a less-divisive one.

“Obviously, some people had a few problems with the original bill,” Whelan said. “But they didn’t want to oppose higher education.”

The move received bipartisan support Monday, as senators approved the measure 36-0. A matching Assembly bill has been introduced by Republican assemblymen from Atlantic County, John Amodeo and Vincent Polistina.

McDevitt did not attend Monday’s vote, but not out of disinterest. He said he would have attended if he knew of the plan to vote.

“I always want to be in attendance when a body of politicians tells citizens that they don’t have the right to vote,” McDevitt said.

McDevitt and other union officials said they were unaware of the vote, having checked the legislative schedule on Friday and seeing no such plan.

“The one thing I’ll say about the Legislature is that they’re consistent,” McDevitt said. “Everything they do is out of the eye of the average public person. … I’m not angry. I’m just not surprised.”

As he did when the bill flew through Lesniak’s senate committee, McDevitt refused to look at the vote as a defeat. Instead, he announced plans to file a lawsuit this week against Atlantic City’s government for wrongfully rejecting the union’s petition.

“This is Soviet-style government. This is not American,” he said. “The same people that brought us an $8 billion deficit in New Jersey have voted and decided it’s not the right of the voters to decide.”

Lloyd D. Levenson, attorney for Revel Entertainment Group, said after the vote that lawmakers’ actions would make such a suit pointless.

“I don’t know what Local 54 would say in its lawsuit against the city,” he said. “But if the Assembly follows the same thought process as the Senate, and the governor signs this bill, that lawsuit that would be filed would be moot.”

Monday’s vote gives much-needed momentum to the plan for Revel’s tax-increment financing deal, which has yet to earn the approval of Gov. Chris Christie.

But Levenson said the Senate’s decision was a good sign.

“Nothing is ever expected when you’re dealing with a body of 40 different people,” he said. “We were certainly hoping that we would get significant support. We obviously received overwhelming support."

Economic Highlights for the Week Ending February 5, 2010

Volume 16, Number 4 Economic Highlights for the Week Ending February 5, 2010

MONDAY, February 1st Manufacturing activity expanded for the sixth straight month in January. The ISM index increased to 5.84% from 54.9% in December. The gain last month was led by production increases related to inventory investment. Severe declines in factory activity appear to be over and a moderate recovery from very low levels is underway. Personal income rose 0.4% in December, the fastest pace of growth recorded since stimulus checks were issued last May. Consumer spending rose a modest 0.2% on the month as the savings rate increased to 4.8%. Income growth, although improved, remains modest and consumers remain cautious about spending.

TUESDAY, February 2nd The pending home sales index increased to 96.6% in December from a level of 95.6% in November. The index plunged in November in conjunction with the original expiration of the homebuyer tax credit and has not yet rebounded significantly. Now that the tax credit has been extended and expanded, the pending home sales index and thus existing home sales are expected to increase over the next several months. Motor vehicle sales declined 4.2% in January to an annual rate of 10.8 million. Total vehicle sales are off to a weak start this year, constrained by a weak labor market, still tight credit and at this time the suspension of sales by Toyota. Although very weak, vehicle sales are expected to continue trending mildly higher throughout this year.

WEDNESDAY, February 3rd The MBA mortgage applications index surged 21.0% to 620.7% for the week ending January 29. The purchase index increased 10.3% on the week as the refinance index rose 26.3%. Refinancing activity accounted for slightly less than 70% of new mortgage application activity. Despite this week’s gains, the level of mortgage activity remains quite low indicating stagnation in the housing recovery. The ISM service sector survey increased to 50.5% in January from 49.8% in December. An index level over the key 50% level indicates expansion in the sector. Like many other sectors of the economy, the recovery in service sector activity remains quite subdued.

THURSDAY, February 4th Productivity grew at an annualized pace of 6.2% in Q409 as unit labor costs fell a more-than-expected 4.4%. There was a large increase in output but a smaller increase in the hours worked leading to the growth in productivity. Firms are producing more to meet demand without hiring new workers. Also, the weak labor market combined with productivity increase led to another steep decline in unit labor costs. Jobless claims increased 8k to 480k for the week ending January 30. It may be that some of the holiday induced volatility has yet to work its way through the data, accounting for the elevated weekly reading. Expectations are for claims to decline from here and retake their pre-holiday improved level. If not then, it would indicate a stalled labor market recovery. Chain store sales rose 3.1% in January from January one year ago. Most major retail categories posted gains from last year except for drug store sales which declined 1.4%. Wholesale clubs in particular received a boost from higher gas prices. Because chain store sales were at such a low level last year, the comparisons this year will remain favorable. Sales will continue to increase, modestly, from very low levels going forward.

FRIDAY, February 5th Payroll employment fell another 20k in January compared to expectation for a 10k increase. Employment has declined 3.0% over the past year for a total of 4.02 million jobs. Since the onset of the recession in December 2007, the economy has shed 8.42 million jobs. Jobs have now been lost in 24 of the past 25 months. On a more positive note however, the unemployment rate fell to 9.7% from 10.0% previously even as the workforce increased moderately.

Stock Market Close for the Week

Index Latest A Week Ago Change DJIA 10012.23 10067.33 -55.10 or -0.55% NASDAQ 2141.12 2147.35 -6.23 or -0.29%

WEEK IN ADVANCE

Light data flows in the week ahead provide mostly second-tier indicators with the exception of retail sales for January, due out on Thursday. With consumer spending accounting for two-thirds of all economic activity, retail sales are always on the radar. Other than that, the markets will have a chance to absorb the chronically sluggish employment data while the Treasury auctions another $81 billion in short and long term notes and bonds.

Key Interest Rates Latest 6 Mos Ago 1 Yr Ago Prime Rate 3.25 3.25 3.25 Fed Discount 0.50 0.50 0.50 Fed Funds 0.15 0.18 0.23 11th District COF 1.828 1.599 2.757 10-Year Note 3.56 3.77 2.92 30-Year Treasury Bond 4.52 4.52 3.62 30-Yr Fixed (FHLMC) 5.01 5.22 5.25 15-Yr Fixed (FHLMC) 4.40 4.63 4.92 1-Yr Adj (FHLMC) 4.22 4.78 4.92 6-Mo Libor (FNMA) 0.38438 0.92500 1.6600 Sources: IBC' s Money Fund Report; Bank Rate Monitor; Federal Home Loan Bank of San Francisco

Economy Weekly Update

Volume 15, Number 47 Economic Highlights for the Week Ending December 18, 2009

MONDAY, December 14th Recent economic data point to better than expected consumer spending gains in October and November. Revitalized spending is critical to an economic turnaround as it accounts for nearly two-thirds of total economic activity. While the near term outlook for spending is generally positive, long term gains need support from job and income growth. Household wealth, inflation and credit conditions also have an impact. Recovery will not be complete until the economy starts producing jobs.

TUESDAY, December 15th The producer price index jumped 1.8% in November led by a 6.9% surge in energy prices. Food prices were also higher. Over the past year, producer prices have climbed 2.7%; despite this, weak demand will soften near-term producer inflation going forward. Excluding food and energy prices from the index, the core PPI gained 0.5% on the month and was up a mild 1.2% on the year. The monthly surge in core prices was attributable to higher vehicle prices related to the new model year. Industrial production increased 0.8% in November led by a rebound in factory activity. Expansion in manufacturing activity is expected to continue going forward as firms work to rebuild lean inventories. In another encouraging sign, the capacity utilization rate jumped to 71.3% last month, its highest level of the year, from 70.6% previously. Homebuilders were more pessimistic in December. The NAHB housing market index fell to a level of 16 this month from a reading of 17 last month. Builders downgraded current single family sales as well as projections of sales six month from now. Despite the decline in the overall index, builder sentiment did improve in the West and Northeast during the month.

WEDNESDAY, December 16th The MBA mortgage applications index rose 0.3% to 667.3% for the week ending December 11. Although mortgage activity is still 20.7% below its year ago level, there has been little net change in overall mortgage activity in the past 5 months. The consumer price index increased 0.4% in November, matching expectations. The CPI is now up 1.9% on the year. Gains were modest in the headline number even with a surge in energy prices. Excluding food and energy prices, the core CPI was unchanged on the month and up 1.7% on the year. Consumer prices are expected to remain soft in coming months as the economy finds its footing. Housing starts jumped 8.9% in November to an annualized pace of 574k, roughly in line with market expectations. November starts rebounded from a 10% decline in October. Housing starts have been climbing irregularly higher since touching a record low annual rate of 479k in April. As widely expected the FOMC voted to keep rates in an exceptionally low range of 0% to 0.25% in order to support ongoing recovery in the economy. The Committee acknowledged improvement in the economy with very subdued inflation. Policymakers maintained their commitment to buying up to $1.25 trillion of agency mortgage backed securities and up to $175 billion of agency debt. In addition the Fed anticipates that most of their special liquidity programs will expire on February 1, 2010. The Fed and fiscal and market forces have generated the beginnings of an economic recovery and resolved much of the distress in financial markets. With their mission largely being accomplished, details of the exit strategy are emerging.

THURSDAY, December 17th Jobless claims rose 7k to 480k for the week ending December 12. Initial jobless claims have maintained a level below 500k for the fourth week in a row. The labor situation is improving slowly; however unemployment claims at still at elevated levels. The index of leading economic indicators rose 0.9% in November compared to market expectations for a 0.7% gain. The increase was led by a steeper yield curve, decline in jobless claims, an increase in building permits and longer factory hours. The LEI has now increased for 8 consecutive months for the first time since 2004. Moreover, the index is up by an annual rate of 9.6% over the last six months which indicates continued expansion in economic activity over the next six to nine months.

FRIDAY, December 18th

Stock Market Close for the Week

Index Latest A Week Ago Change DJIA 10328.89 10471.50 -142.61 or -1.36% NASDAQ 2211.69 2190.31 +21.38 or +0.98%

WEEK IN ADVANCE

Home sales dominate the economic calendar in the coming holiday-shortened week. More timely housing indicators, namely the NAHB index and the MBA applications index, have been showing weakness of late. So, sales could flicker near term before strengthening again in early 2010 supported by high affordability and the extension of the home buyer tax credit.

Key Interest Rates Latest 6 Mos Ago 1 Yr Ago Prime Rate 3.25 3.25 3.79 Fed Discount 0.50 0.50 1.04 Fed Funds 0.15 0.19 0.15 11th District COF 1.259 1.380 3.125 10-Year Note 3.54 3.75 2.26 30-Year Treasury Bond 4.46 4.55 2.72 30-Yr Fixed (FHLMC) 4.94 5.38 5.19 15-Yr Fixed (FHLMC) 4.38 4.89 4.92 1-Yr Adj (FHLMC) 4.34 4.95 4.94 6-Mo Libor (FNMA) 0.48813 1.24000 2.59125 Sources: IBC' s Money Fund Report; Bank Rate Monitor; Federal Home Loan Bank of San Francisco

Food for thought....Honey and Cinnamon...

Honey and Cinnamon...

 

 Bet the drug companies won't like this one

getting around.

Facts on Honey and Cinnamon: It is found that a mixture of honey and cinnamon cures most diseases.. Honey is

produced in most of the countries of the world. Scientists of today also accept honey as a 'Ram Ban' (very effective) medicine for all kinds of diseases. Honey can be used without any side effects for many

kind of diseases.

Today's science says that even though honey is sweet, if taken in the right dosage as a medicine, it does not harm diabetic patients. Weekly World News, a magazine in Canada, in its issue dated 17 January, 1995 has given the following list of diseases that can be cured by honey and cinnamon as researched by western scientists:

HEART DISEASES:
Make a paste of honey and cinnamon powder, apply on bread, instead of jelly and jam, and eat it regularly for

breakfast. It reduces the cholesterol in the arteries and saves the patient from heart attack. Also those who

have already had an attack, if they do this process daily, they are kept miles away from the next attack. Regular

use of the above process relieves loss of breath and strengthens the heart beat. In America and Canada,

various nursing homes have treated patients successfully and have found that as you age, the arteries and veins

lose their flexibility and get clogged; honey and cinnamon revitalize the arteries and veins.

ARTHRITIS:
Arthritis patients may take daily, morning, and night, one cup of hot water with two spoons of honey and one

small teaspoon of cinnamon powder. If taken regularly even chronic arthritis can be cured. In a recent research conducted at the Copenhagen University, it was found that when the doctors treated their patients with a mixture of one tablespoon Honey and half teaspoon of Cinnamon powder before breakfast, they found that within a week,

 out of the 200 people so treated, practically 73 patients were totally relieved of pain, and within a month,

mostly all the patients who could not walk or move around because of arthritis started walking without pain.

BLADDER INFECTIONS:
Take two tablespoons of cinnamon powder and one teaspoon of honey in a glass of lukewarm water and drink

it. It destroys the germs in the bladder.

CHOLESTEROL:
Two tablespoons of honey and three teaspoons of Cinnamon Powder mixed in 16 ounces of tea water,

given to a cholesterol patient, were found to reduce the level of cholesterol in the blood by 10 percent within two

hours. As mentioned, for arthritic patients, if taken three times a day, any chronic cholesterol is cured. According

to information received in the journal, pure honey taken  with food daily relieves complaints of cholesterol.

COLDS:
Those suffering from common or severe colds should take one tablespoon lukewarm honey with 1/4 spoon cinnamon

powder daily for three days. This process will cure most chronic cough, cold and clear the sinuses.

UPSET STOMACH:
Honey taken with cinnamon powder cures stomach ache and also clears stomach ulcers from the root.

GAS:
According to the studies done in India and Japan, it is revealed that if honey is taken with cinnamon powder

the stomach is relieved of gas.

IMMUNE SYSTEM:
Daily use of honey and cinnamon powder strengthens the immune system and protects the body from bacteria

and viral attacks. Scientists have found that honey has various vitamins and iron in large amounts. Constant

use of honey strengthens the white blood corpuscles to fight bacteria and viral diseases.

INDIGESTION:
Cinnamon powder sprinkled on two tablespoons of honey taken before food relieves acidity and digests

the heaviest of meals.

INFLUENZA:
A scientist in Spain has proved that honey contains a natural 'Ingredient' which kills the influenza germs

and saves the patient from flu.

LONGEVITY:
Tea made with honey and cinnamon powder, when taken regularly, arrests the ravages of old age. Take four

spoons of honey, one spoon of cinnamon powder and three cups of water and boil to make like tea. Drink

1/4 cup, three to four times a day. It keeps the skin fresh and soft and arrests old age. Life spans also

increases and even a 100 year old, starts performing the chores of a 20-year-old.

PIMPLES:
Three tablespoons of honey and one teaspoon of cinnamon powder paste. Apply this paste on the pimples before

sleeping and wash it off next morning with warm water. If done daily for two weeks, it removes pimples from

the root.

SKIN INFECTIONS:
Applying honey and cinnamon powder in equal parts on the affected parts cures eczema, ringworm and all types

of skin infections.

WEIGHT LOSS:
Daily in the morning one half hour before breakfast on an empty stomach and at night before sleeping,

drink honey and cinnamon powder boiled in one cup of water. If taken regularly, it reduces the weight of

even the most obese person. Also, drinking this mixture regularly does not allow the fat to

accumulate in the body even though the person may eat a high calorie diet.

CANCER:
Recent research in Japan and Australia has revealed that advanced cancer of the stomach and bones have been

cured successfully. Patients suffering from these kinds of cancer should daily take one tablespoon of honey

with one teaspoon of cinnamon powder for one month three times a day.

FATIGUE:
Recent studies have shown that the sugar content of honey is more helpful rather than being detrimental to the strength of the body. Senior citizens who take honey and cinnamon powder in equal parts, are more alert

and flexible. Dr. Milton, who has done research, says that a half tablespoon of honey taken in a glass of water

and sprinkled with cinnamon powder, taken daily after brushing and in the afternoon at about 3:00 P.M.

when the vitality of the body starts to decrease, increases the vitality of the body within a week.

BAD BREATH:
People of South America, first thing in the morning, gargle with one teaspoon of honey and cinnamon

powder mixed in hot water, so their breath stays fresh throughout the day.

HEARING LOSS:
Daily morning and night honey and cinnamon powder, taken in equal parts, restore hearing. Remember when

we were kids? We had toast with real butter and cinnamon sprinkled on it!