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It covers following risks:
Liability insurance protects a small business from loss or damage to the maximum extent. Business liability insurance options are very useful for small businesses as they cover the business property, claims for injuries by employees and visitors, employee compensation and many more. Some of the common types of liability insurance for small businesses and their coverage are explained below in detail.
Other insurance
Apart from the above mentioned insurance policies, there are many other insurance policies that help small businesses such as:
• Auto Insurance - to cover the company vehicles,
• Health Insurance - to protect employees when they are sick,
• Crime Insurance - to protect business against employee fraud,
• Key Employee Insurance – to protect small business against the loss of their key employee etc.
All businesses may not need the same type of insurance. In order to determine a perfect liability coverage for your business, you need to carefully consider all your needs and risks involved in your business. With a good insurance policy,[link widoczny dla zalogowanych], small business owners can have peace of mind and focus on their business knowing that their business is well protected.
Every business,[link widoczny dla zalogowanych], whether it is big or small, wants to survive, sustain and make profits. But business of any type or size is unpredictable and may get into losses due to unwanted or unexpected circumstances like natural calamities,[link widoczny dla zalogowanych], fire, theft or other riots. It is very difficult for small businesses to protect their occupation or business if they face adverse situations with their meager budgets. Many small businesses perish as they fail to cover these losses. So, it is very important for small businesses to have a risk management system for their business to protect themselves against unforeseen losses.
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Employment practices liability coverage
Employment Practices Liability Insurance covers small businesses against claims by employees or business associates when their legal rights are violated. This insurance policy protects employers against breach of employment contract, deprivation of career opportunity, discrimination, mismanagement of employee benefit plans, negligent evaluation, sexual harassment,[link widoczny dla zalogowanych], wrongful discipline or termination etc.
Product insurance
Product insurance or Product Liability Insurance protects the business owners from the lawsuits filed against them for manufacturing or producing defective products. This type of insurance is very useful for small scale manufacturers or importers. This liability insurance protects small businesses in case a person is injured or died using a product manufactured or developed by the business.
Professional indemnity insurance
Professional Indemnity Insurance, also called as Professional Liability Insurance or Errors and Omissions' liability insurance, is an extremely important consideration for small professional businesses that are in service industry. They are exposed to a wide range of claims that may include areas such as errors,[link widoczny dla zalogowanych], omissions, professional neglect, falsehood, breach of confidentiality etc. This insurance protects businesses from the claims made by clients against the delivery of poor service. This type of insurance is generally purchased by professionals such as a doctors, lawyers, engineers, architects,[link widoczny dla zalogowanych], brokers, financial advisers, accountants, consultants, building contractors, and attorneys etc. who run their own business.
Business property insurance
Business Property Insurance,[link widoczny dla zalogowanych], as the name itself indicates covers the business property of the small business. Its coverage includes the building or buildings in which you do business, carpeting, curtains,[link widoczny dla zalogowanych], outdoor signs,[link widoczny dla zalogowanych], property of others etc. If you choose a right business insurance property, it covers all the important equipment such as computers, machinery,[link widoczny dla zalogowanych], supplies, stock etc.
Workers' compensation insurance
When an employee gets injured at the workplace,[link widoczny dla zalogowanych], it is the employer who is responsible for the payment of medical bills. Sometimes these medical bills may run into thousands of dollars, which can be very burdensome for the small business owners to pay. The workers' compensation insurance kicks in during these kinds of situations. The workers' compensation policy provides wage replacement, medical, and rehabilitation benefits to the employees who get injured on the job.
Insurance, considered as a critical part of the risk management system is the only way for small businesses to protect themselves. Today, there are many types of insurance policies, of which Liability Insurance is considered to be the best one for small businesses as it provides compensation for the fines associated with liability cases.
Excess liability coverage
Excess Liability Insurance,[link widoczny dla zalogowanych], also called as Umbrella Liability Insurance or Commercial umbrella insurance provides additional protection to any of several other policies that a small business might hold. It protects businesses when an accident or similar claim exceeds the amount of their existing liability coverage, which may include medical costs or other claim payments.
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Ignorance is expensive in all areas of life, so don't put- or keep-yourself in a box of limited thinking. If you feel that you're boxed in,[link widoczny dla zalogowanych], decide now to think outside the box with the help of your mentors. Your Conquering Force can shatter any limitations you have put upon yourself. Whatever you heart desires can set you free.
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Learning is not limited to going to school or getting a degree. It's surprising that many people stop feeding their minds after a certain point. For some,[link widoczny dla zalogowanych], that point is high school graduation; for others, it's graduating from college. A large university once took a survey of its recent graduates and found that 90 percent hadn't read a single book since they'd left the university.
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It is important to share your hard-won knowledge with those who want to learn what you know. Once you attain a body of knowledge or understanding in a specific area, you'll be considered selfish if you only use that information for your own benefit. Share your knowledge with others and be free from that limitation.
"You're not using your knowledge and credentials to create income,[link widoczny dla zalogowanych], you're using them to teach. Teaching is an honorable profession,[link widoczny dla zalogowanych]," I told him, "but not if you're interested in making a lot of money."
The more interesting and enlightening you are, the more people will welcome you into their lives and the more opportunity will abound.
He was shocked. He was also worried about his reputation, since the audience was there by his personal invitation. Seeing that he was upset, I suggested that he concentrate on my accomplishments rather than my academic background.
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Every busy parent wants to save on time and in this respect a portal like OSA offers great benefits in this regard. Previously parents spent a good portion of their time first to search the school for their children,[link widoczny dla zalogowanych], and then to collect and submit the forms. It was not only time consuming,[link widoczny dla zalogowanych], but expensive as well. Parents need to spend lot of money in terms of travelling while visiting one school after another. But through OSA parents get authentic details about the best and top most schools of the country. The authenticity of details is the strongest point of OSA. These details help the parents to choose the right school for their children.
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I wondered whom she was talking to. To meet my query,[link widoczny dla zalogowanych], I approached her and saw that she was busy in a video call. That’s when I really wondered about the facility of the 3G services. From her talks I understood that she was talking with some of her friends who were probably NRIs. I still remember the days when we used to walk a long distance to reach the STD booth to call someone. And now we can talk to them face to face on our PCs or even on our mobile phones. This drastic change has occurred only due to the Internet facility.
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This will ensure that parents will know the decision from the school that much faster. With all the benefits offered by OSA,[link widoczny dla zalogowanych], why stick to the old fashioned paper and pen system? And, if you need one last good reason to apply for your child’s admission through OSA: it’s paperless and that is good for the environment.
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Cameras with Special Accessories: Certain CCTV cameras have special functions that are made for specialty uses. For instance,hollister france, there are extremely small surveillance cameras that are used for spying (Nanny Cams), night viewing, are vandal resistant, and that are specifically made for indoor or outdoor uses.
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CCTV is most commonly used for surveillance. Most major institutions,mulberry, such as banks or schools, have CCTV networks to reduce the need for human security. Prisons use CCTV for monitoring behavior from a central location in addition to regular patrols. Video taken with CCTV can be recorded and reviewed later.CCTV has other practical applications beyond surveillance and CCTV networks don't necessarily feature security cameras. Any kind of on-site video technology uses CCTV, such as a video conference that is only accessible for a select audience.
Types of Images: CCTV cameras generally take both black and white or color video images. In addition, many CCTV cameras even have night vision capabilities that allow a CCTV camera to view and record low light images using special technology.
Frames per Second: Frames per second is the amount of full frames that a video camera captures and sends to a recording device or monitor per second. While most CCTV camera systems easily capture 30 or more frames per second (30 fps is considered real time), the amount of video tape or digital storage would be enormous to record every moment of everyday. For most stores,louboutin pas cher, speeds of 1 to 6 frames per second are more than enough to catch and record a perpetrator committing a crime.
CCTV (Closed Circuit TV) uses one or more video cameras to transmit video and sometimes audio images to a monitor, set of monitors, or video recorder. The difference between CCTV and standard TV is that standard TV openly broadcasts signals to the public. CCTV is not openly transmitted to the public. CCTV uses either wireless or wired transmission to send the broadcast from the video cameras to the monitor(s) or recording device. Most CCTV systems are used for surveillance, which can include security monitoring,hollister, spying,hollister, or safety monitoring.CCTV systems have become extremely popular over the last few decades as the technology has improved and become more affordable. The majority of CCTV cameras in use today are usually for surveillance and security purposes. CCTV systems can be found in almost every bank, casino, mall, and large department store. In fact,air jordan, CCTV systems have become so affordable, most smaller mom and pop stores also have CCTV systems in them for security purposes.
By Rohan Shah
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Fixed cable connection means that the camera is physically connected to the monitor or recording device via a cable. Coaxial cables that are similar to normal home TV cables are usually used. Lengths come in 25, 35, 50, 100, or 500 feet. As the distance increases, signal quality decreases. For distances longer than 100 or 200 feet,oakley sunglasses, purchase higher quality coaxial cables such as RG59 coaxial cable for distances up to 600 feet and for distances more than 600 feet,louboutin pas cher, but less than 2,000 feet, purchase CAT5 cable.
There are many types of CCTV cameras. They can be categorized by the types of images they are able to capture,louboutin, the amount of frames they can take per minute, the type of connection to the monitor or video recording device,abercormbie, whether they are able to move position, and special functions they can provide.
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Corporate downsizing persists More and more companies are outsourcing, Ignoring long term tasks is the cause of long term demise because competitors who do pay now to fly later, The world’s largest industrial corporation was officially one hundred years old in 2008.

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Trump University Professor Jay D. Gottlieb is one of Donald J. Trump’s hand-picked real estate experts. In 1994, he co-founded First Home Brokerage, a real estate investment company that acquired, renovated, and sold distressed single and multi-family homes to predominantly first-time home buyers. The company quickly grew to be one of the largest re-developers of affordable 1-4 family homes in the nation, with sales of approximately $100 million annually and with over 3000 homes bought and sold. Currently, Mr. Gottlieb is president and CEO of Tri-State Home Sales LTD, a real estate company that specializes in the purchase, renovation,hollister uk, and sale of residential properties throughout the United States. Author's Bio:
That means the maximum sum you should offer the seller is $250,hollister,000. Otherwise, the deal makes no sense. Actually,michael kors outlet, you should offer the seller less than that. After all, you are investing in real estate to make money. If you are not making money, what is the point of investing in real estate? So know how much you would like to make on the deal and work that into your estimates too.
These generally include:
Third, Subtract Your Projected Expenses From Your Estimated Sales Price
Tolearn more about making money in any market, register today for Trump University's Real Estate Investor Training Program.
Second,louboutin pas cher, Total Up Your Projected Expenses
For example, let's say that you realistically expect to sell a property for $375,000. However, your projected fix-up and other expenses total $125,000.
Numbers never lie. Make them work for you, and never pay more than you should for any property. If you do, you have no one to blame but yourself. But if the numbers tell you that you stand to make a good profit, negotiate hard for the price that will allow that to happen. If the seller won't accept your offer,abercrombie soldes, don't feel bad about walking away. There will be another deal. When it comes along, work the numbers to make sure it will earn you a handsome profit.
This is the price you will be able to sell the property for after you have improved it. Look at comparable sales in your area,abercrombie, determine whether the market is going up or down, and understand exactly how much your property will sell for.
When you ask most people how much they are willing to pay for a property, they usually say something like, Well,the asking price is $275,hollister,000 . . . maybe I can bargain that down to $245,000.
By Jay D. Gottlieb, Trump University, The Official Guides to Real Estate
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Don't exaggerate this figure,parable homes, just because you think it will. It is that kind of unrealistic optimism that causes most people to lose money on real estate investments.
Closing costs â€“ Total closing costs, both for the time when you are buying the property and the time when you are selling it too. Costs of renovations â€“ Cosmetics, mechanicals, masonry, painting â€“ everything. Taxes â€“ And don't forget that the longer you hold the property, the more taxes you will pay. The cost of borrowing to buy the property â€“ Your loan costs money, both at the inception and every month. Realtor commissions â€“ Unless you can realistically expect to sell the property yourself, plan to pay realtor commissions when you sell it. Hidden costs â€“ Depending on the age and condition of your property,michael kors, you can expect that something unexpected will go wrong or need to be added to your list of renovations to perform. An older house can hit you with as much as 15% of its market value in unanticipated expenses. Insurance - Buy fire, liability as well as builder's risk insurance. Maintenance costs â€“ You will have to hire companies to shovel the show,hollister, cut the grass, do post-construction cleanups and possibly protect your property from vandalism while it is vacant.
Jay D. Gottlieb is one of the real estate experts on the Trump University faculty. In 1997, Mr. Gottlieb was recognized by Crain's NY Business as one of the "40 under 40" top business people of the year. In 1999, he won the Ernst & Young "NYC Entrepreneur of the Year" award in real estate. Currently, Mr. Gottlieb is president and CEO of Tri-State Home Sales LTD, a multifaceted real estate company that builds homes,louboutin, owns land and rental properties; and specializes in the purchase, renovation,abercrombie, and sale of family residential properties throughout the United States.
First, Determine Your Estimated Sales Price
That's how they decide how much they are willing to pay for a property. And that kind of thinking makes no sense. To make sure you make a profit from every deal, you have to back into the price you will offer by working the numbers.
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The Canadian automotive industry is experiencing a shortage of qualified workers. If you love cars and are interested in automotive careers, here are ten auto careers to consider.

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1. I just hit age 16, went to the NYC Education Dept. and got my Working-Papers.
2. I got $35 in birthday gifts, and paid $25.50 for a used Schwinn bike.
3. Western Union on Pitkin Avenue hired me, (after-school) to deliver telegrams by bike.
4. It happened after one week of deliveries. I was given a telegram marked,
“Leave before this telegram is opened.”
5. I found 108 Hart Street, Marie Latke, and knocked on the door of “2a”.
6. An old blind lady opened the door. I announced, “I have an important
telegram for you,” and pushed it into her hand.
7. “Please open it and read it to me!”, she said, “I cannot see.”
8. Trouble: “No”, I said,[link widoczny dla zalogowanych], Western Union will fire me. I cannot read it to you.”
9. Blind Grandma responded with the magic words, “Then sing it to me, and
I’ll tip you one-dollar.” Well,[link widoczny dla zalogowanych], singing is not reading,[link widoczny dla zalogowanych], but I said, “No thank you,[link widoczny dla zalogowanych],”
and turned to leave.”
10. “Stop”, she said, “I have two-dollars in cash, and I will tell no one you opened it.”
11. Wow! Two-Bucks just to read her… “OK, I have to sing it to avoid breaking the rules.”
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13. Ripped it opened, I cleared my throat, and sang, “Dotta, Dot, Dot,[link widoczny dla zalogowanych], Dot,[link widoczny dla zalogowanych],
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John Hermann, Undertaker.”
My First Job Was a Pisser
By H. Bernard Wechsler
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P.S. I take an oath, this really happened exactly as you read it. Some people
have written it up,[link widoczny dla zalogowanych], as “Your sister Rose is Dead.” It never happened to them.
Some great first job,[link widoczny dla zalogowanych], But in those days, “Two-Bucks was BIG money!” Not Funny.
For the same two-bucks,[link widoczny dla zalogowanych], I did a chorus, “Dotta, Dot, Dot, Dot! – “Your sister
Rose in Allentown is DEAD! Funeral this Sunday, signed, John Hermann,[link widoczny dla zalogowanych],
Undertaker.”
14. I dropped the telegram at her feet, and slammed her door shut, as I ran down the
stairs to my locked bike.
15. W.U. blamed me for her heart-attack, and fired my ass. End of first job.
copyright (c) 2012, H. Bernard Wechsler
-----------------------------------------------------------------------------------------------------------------------
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The Canadian automotive industry is experiencing a shortage of qualified workers. If you love cars and are interested in automotive careers, here are ten auto careers to consider.

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Car Shipping is not a new thing that has formed the part of international freight and cargo movement,[link widoczny dla zalogowanych], but certainly it is an exclusive thing that requires you to think differently. There are many sensitive issues involved in automobile shipping and which are not required when transferring the household goods from one country to another. Based on these issues the international cargo and freight shipping company will offer you smart auto car shipping services. If you are planning to transfer your household goods along with the car, then you have to consider two different services. One of the services will handle your automobile shipping, whereas another one will offer unique set of solutions exclusive to transfer of household goods. As compared to international movement of household goods, automobile shipping is more risky and a costly affair. Automobile shipping services largely include international car movement,[link widoczny dla zalogowanych], truck movement and also movement of any other automobile. However,[link widoczny dla zalogowanych], when a person relocates to another country,[link widoczny dla zalogowanych], it is only auto car shipping service that he/she hires for safe and secured transfer of the car to its final destination. Therefore,[link widoczny dla zalogowanych], more often than ever, on comes to hear about auto car shipping than other international automobile transfers. For one thing is straight and clear and it is that automobile shipping has become more a professional task than just a usual transfer of automobile,[link widoczny dla zalogowanych], and all this could eventually happen because of sensitive technology,[link widoczny dla zalogowanych], human ingenuity ,[link widoczny dla zalogowanych], high quality transaction and also smooth tracking technology. All these key changes have played crucial role in transforming the character of international automobile shipping and providing it a completely new outlook.
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Hiring the container of your choice when considering transporting your car via international auto shipping to another country, is a good effort for the safety and security of your car. Since car is quite susceptible to scratches and many other environmental issues, it becomes very necessary to hire the container so that it reaches to the destination without any major or minor damage. The automobile shipping company in this case has to show extreme sense of professionalism. Make sure that the international freight and cargo company that you hire provides you with customized automobile shipping solutions that give you the ideal choice. Whether cars, or trucks, or SUV's,[link widoczny dla zalogowanych], or trailers, or vans,[link widoczny dla zalogowanych], or motorcycles, automobile shipping is the right solution available for all international movements.
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How do you create passion? By believing in your topic with all of your heart. Yes, you definitely need your mind involved in the process, but what sells in public speaking is what your heart is saying.
The one characteristic that all great public speakers possess is passion – intense, driving emotion that colors their speech, their facial expression and their body language. You hear it in their words; you see it in their actions; and,[link widoczny dla zalogowanych], you can feel it in your soul. Their passion can motivate you to bettering your life in some fashion.
Is passion something your audience feels from your delivery? Do you stir their emotions? Their reason for sitting in attendance is to be moved by the manner in which you express your thoughts. Otherwise, they could read your speech or presentation and not be bothered attending. Yes, your words are very important but it is your delivery that sells. And that delivery needs to be said passionately, enthusiastically, and with life.
Passion can only be displayed, however, if you believe in what you are saying and want to share that with your listeners. This is one of the reasons I could never speak on a topic which I did not like, enjoy or respect. That was one of the questions asked recently in a public speaking forum. Most people agreed that they could not support a topic with which they did not agree. It was surprising, however,[link widoczny dla zalogowanych], the number who said they could. In my opinion, those who can speak on a topic with which they are in disagreement are either acting or have no ability to be passionate.
Passion can be so captivating in good public speaking that it may hide a mediocre speech or presentation. More than 2000 years ago, Cicero, the great Roman orator, remarked that a mediocre speech delivered with enthusiasm and passion is much more effective than highly-crafted material delivered without passion or emotion.
Stir your audience the next time you speak and watch their reaction,[link widoczny dla zalogowanych]. Passion makes for great public speaking,[link widoczny dla zalogowanych]; expressing no joy or enthusiasm does not,[link widoczny dla zalogowanych]!
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By Nancy Daniels, The Official Guide to Public Speaking
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AMA
Recent studies have isolated a bitter glycosial principle, kutkin, which has demonstrated both protective and therapeutic effects against diverse models of liver damage. The crude root extract has shown hepatoprotective activity against carbon tetrachloride, paracetamol, galactosamine, and alcohol.
Here in the West, Ayurveda has become famous for these cleansing methods which have been dubbed as the “detoxification” procedures of Ayurveda. However, Ayurvedic physicians do not agree with the term detoxification. We interpret the term detoxification as a solution to a problem which has already occurred. It would be analogous to waiting until your car was spewing thick,[link widoczny dla zalogowanych], black smoke and overheating before you finally decide to change the motor oil. In contrast, the Ayurvedic approach to health utilizes what could be aptly described as “anti-toxification”--a continuous process of internal care and hygiene fueled by appropriate nutrition and carefully selected natural herbal medicines.
Agni corresponds to the myriad heat- and energy-producing chemical reactions in the physiology which powers all the biological processes of life. The classic example is the energy which is released when the chemical bond between two phosphate atoms is broken. This energy is vital to the life function of the human being. Everything depends on it: a person's intelligence, understanding, awareness, his health, energy, appearance, his life force, core body temperature, his autoimmune system, his digestion ...his life.
The removal of a small quantity of blood from the patient using modern sterile techniques; traditionally this was accomplished with special jaluka, or leeches. This procedure is valuable if there is toxicity in the blood; it also stimulates production of fresh blood cells from the bone marrow.
Ayurveda offers an enlightening explanation of how endogenous toxic substances are engendered within the body itself. In order to understand this it is important to be familiar with two simple Ayurvedic concepts: agni and ama.
AGNI
The therapies are available in two settings. One option is for patients to attend a Panchakarma Retreat at the National Institute Of Ayurvedic Medicine in Brewster, New York, one hour north of Manhattan, or at another authentic center. The advantage of retreat-based panchakarma is that the food is specially prepared, yoga and meditation sessions are provided, exercise periods are individualized, and a senior vaidya is always present for questions and support. The serene and peaceful surroundings reduce stress and promotes the emotional aspects of anti-toxification.
Shirodhara
A continuous stream of warm, herbalized oil flows from an overhead vessel through a small aperture onto the forehead. This treatment is said to purify the mind-body, and profoundly relax the nervous system. Individuals experience twilight states of consciousness between waking and dreaming. Very meditative and pleasurable.
Vamana
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This gives rise to poor complexion, offensive breath and body odor, constipation, intestinal gas, reduced vital energy, impaired circulation and a decreased ability to discriminate Truth from untruth. Thus we see that, without exaggeration, the treatment of Agni is a fundamental measure for most disease states.
The Ayurvedic scriptures mention specific factors which disrupt the functioning of Agni. Among these are over eating, under eating, eating at inappropriate times, eating foods that lack nourishment, and eating before a previous meal has been digested. Other factors are excessive sleep, excessive sexual activity, extremely hot or cold climates, anger, rage, prolonged bereavement, crowded or inhospitable living arrangements, acting contrary to accepted moral or social conduct,[link widoczny dla zalogowanych], and drastic changes in dietary habits.
In what has now become a classic and much-quoted collaborative study at the Madras Hospital For Children and the Madras Government General Hospital (The Lancet, October 1, 1988,[link widoczny dla zalogowanych], 764-766) Thyagarajan, et al treated carriers of hepatitis B with extracts of P. niruri for thirty days. Three weeks after the herb was discontinued 59% of the patients sero-converted to non-carrier status,[link widoczny dla zalogowanych],i.e., neither the virus itself nor antibodies to it could be found in their serum. Blumberg et al found that the extract inhibited hepatitis B DNA polymerase and also had a viral-agglutinating activity.
The ancient Ayurvedic medical texts describe the use of the leaves of this common and ubiquitous plant in the treatment of jaundice and other liver ailments. The leaves and leaf juice have also been traditionally used as a remedy for flatulence, loss of appetite,[link widoczny dla zalogowanych], children’s bowel complaints, dyspepsia, and general debility. The hepatoprotective action of A. paniculata and its acive principle, andrographolide, has been studied.
An herbalized steam treatment promotes perspiration and elimination of toxins from the fatty tissues and nerves via the sweat glands. This treatment also optimizes the circulation and dissolves impurities.
The body is massaged with warm,[link widoczny dla zalogowanych], herbalized oils by one or more therapists working in perfect unison. This promotes deep relaxation and gently stimulates the marma points leading to a state of mental balance and heightened awareness. This is the renowned “oil massage” of Ayurveda.
There are many, many tissues and organs in the human body which are important for the removal of toxins: liver, spleen, kidneys, lymphatics, intestines, skin,[link widoczny dla zalogowanych], and mucous membranes to name a few. Ayurveda recognizes each of these and prescribes an array of plant-derived medicines to assist each in their cleansing function. Because of space, we will limit our discussion to herbs which support the liver--the master un-toxifier. To appreciate the importance of the liver’s role in purifying the body, consider the following modern example.
A leaf decoction of A. paniculata was studied in twenty patients with viral hepatitis. After twenty four days complete clinical improvement was observed in 16 patients (80%) and significant improvement in four patients. SGOT, SGPT, and bilirubin returned to normal levels within one month.
What Constitutes Toxicity
Swedana
Three herbal medicines in particular were,[link widoczny dla zalogowanych], and still are, found useful in maintaining liver function: Andrographis paniculata, Picrorhiza kurroa, and Phyllanthus niruri.
Phyllanthus niruri (Hook f.) Family: Euphorbiaceae Sanskrit name: Bhumi amalaki
Additional specialized therapies are administered when medically indicated.
Picrorhiza kurroa (Royle ex Benth) Family: Scrophulariaceae Sanskrit name: Kutki
Nasya
The application of specially herbalized nasal drops which cleanse the sinuses and removes impurities from the throat, facial, and supraclavicular areas.
The powdered root given in divided dosages of 4 gm/day to fifty-five patients with documented infectious hepatitis for six weeks resulted in complete clinical resolution in fifty patients (91%), satisfactory response in 3 patients, and no response in 2 patients. The conclusion was that P. kurroa root powder appeared to be a useful agent in the treatment of jaundice in infectious hepatitis. This very well-researched herb is useful not only in liver disease, but also in promoting routine liver protection and immunocompetence.
Raktamokshana
Andrographis paniculata (Nees) Family: Acanthaceae Sanskrit name: Kalmegh
Anti-toxification is preventative maintenance which prevents decay and periodically revitalizes our physiology so that detoxification is never required. Longevity is not equated with merely a long life; it means achieving a long life filled with pleasure and meaning and free from disease and misery. It is within every human beings’ power to maximize their longevity, however we must follow some simple measures to preserve the youthful vigor and vitality of our minds and bodies. Remembering our oil-burning car analogy, the time to act and invest in our health is now. One does not begin digging a well upon feeling thirsty.
Gentle, herbalized enemas which cleanse the rectum and lower colon and eliminate excess vata dosha from the physiology.
There are thirteen forms of Agni the most important of which is Jathara Agni which presides over all the other Agnis. It rests in the region of the stomach and duodenum and catalyzes the production of digestive enzymes and the initial stages of digestion of all foods. It plays a major role in the transformation of foods into chyme, from which all the tissues arise and are sustained. Five additional Agnis are called the bhutagnis and they each are responsible for the further digestion of one of the five basic elements (Mahabhutas) contained in the ingested foods. Thev operate mainly in the liver. There are also seven dhatvagnis which are located in each of the seven Dhatus of the body which regulate the physiological processes of each tissue.
These treatments are extremely enjoyable and can be described as a cross between a spa treatment and a medical procedure--there are aspects of both. Each individual Panchakarma session requires between two and four hours and patients may be advised to have two, four,[link widoczny dla zalogowanych], eight, or more sessions depending on the individual’s state of health.
Herbal Medicines
The use of emetic herbs to induce a therapeutic vomiting of the stomach contents. Preceded by the consumption of cool water or specific teas to fill the stomach. Excellent in treating all kapha-type conditions including asthma, bronchitis, allergies, depression, and many digestive problems.
Snehana-Virechana
A general term for therapies in which herbal pastes (or muds) are applied to all parts of the body. patients are wrapped in warm blankets and the paste removed when dry. This treatment exfoliates the skin, penetrates to the muscles and fat tissues, and removes impurities. Useful in stimulating weight reduction.
The second option for receiving Panchakarma treatments is to do them on an outpatient basis in a qualified physician’s fully-equipped panchakarma office facility. The treatments one receives in an office are identical to those at the retreat center, with the difference of being able to go home after each session. The patient simply returns the next day to receive the next treatment. Instructions are provided on how to eat, exercise, and rest during the time of your treatments.
This perennial woody herb with its greyish, irregularly curved roots has been used for centuries as a liver stimulant, laxative, appetite stimulant, febrifuge, and treatment for bronchial asthma and arthritic pain.
According to Ayurveda, youth ends at 60. Thereafter, if proper measures are continued which slow and prevent the degenerative changes that can accompany aging, one can achieve a long and disease-free old age. There are two aspects of these proper measures. The first is known as panchakarma, which includes both a sophisticated series of massage and other physical procedures to open the channels of the body and promote elimination of toxins. The second aspect involves an array of natural herbal medicines which up-regulate innate physiological cleansing processes in the body.
Udvartna
It seems clear that with the help of Ayurvedic treatments like Panchakarma and the protective and purifying effects of herbs like those mentioned above, we have all the necessary tools to remain “anti-toxified” and preserve our health.
In Ayurveda we can discover practical and reliable knowledge about the prevention and treatment of disease, the maintenance of health, and the promotion of longevity. Ayurveda defines health not only in terms of a balanced physiology of the physical body,[link widoczny dla zalogowanych], but also as a state of harmony and contentment in every aspect of life. Thus, not only is it a medical approach to health--Ayurveda can also be the foundation for the spiritual evolution of humankind.
A two-part procedure which involves an initial consumption of an oily or unctuous substance followed by the administration of an herbal laxative. The oleation acts as a solvent and mobilizer for certain toxins in the body and also promotes strength, good complexion, efficient digestion, and proper function of the sense organs. The subsequent laxative therapies eliminates the toxins loosened by the oleation and causes a maximal dilation of the hepatic, biliary, and other channels which allows for the removal of lipid-soluble impurities.
A description of several of the more common Panchakarma therapies follows below. Not all individuals will require all procedures.
Basti
Normally the body has the natural ability to efficiently process and eliminate toxins and products of metabolism. If one is careful about diet, stress management, and exercise Panchakarma alone can prevent the bioaccumulation of toxins, maintain your vital energies,[link widoczny dla zalogowanych], and prevent the occurrence of disease. However, many of us are prone to repeated dietary indiscretions, poor exercise patterns, environmental stresses, and modern lifestyles which upset the homeostasis of the body and result in accumulation of waste products. This situation may be beyond the point of repair by Panchakarma therapies alone. This is when Ayurvedic herbal medicines can often be useful.
These studies show that the leaf water extract significantly reduced the expected liver damage from carbon tetrachloride, a known hepatic toxin. Free radical formation via microsomal lipid peroxidation was also shown to be reduced.
By Scott Gerson, M.D., Ph.D. (Ayu)
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Abhyanga
You eat an (non-organic) apple treated with a pesticide. The chemical is absorbed into the bloodstream and eventually arrives at the liver where it undergoes two biochemical processes known as functionalization and conjugation. These processes convert the pesticide from a lipid-soluble to a water-soluble form which can be eliminated in the urine or feces. Furthermore, for these important processes to proceed effectively, many specific complex enzymes are required in proper proportion and release sequence. If the liver is properly nourished and in a clean state, the pesticide will be eliminated from the body before it can exert its neuro- or immunotoxic effect. The ancient vaidyas were not aware of these details, but fully understood the importance of the liver in maintaining health and avoiding premature mortality.
In order to maintain and improve our health, it is essential that we nourish and care for Agni so that it can properly transform our foods and provide nourishment for all the Dhatus (tissues). When Agni is functioning well there is excellent digestion, normal elimination, good circulation, abundant energy, strong resistance to disease, good complexion, pleasant body odor and breath, and an enthusiasm for life. When however Agni is disturbed, digestion is incomplete, and the metabolism and physiology of the entire mind-body is impaired. Improperly digested foods form a toxin called Ama which then ferments and putrifies in the stomach and intestines.
Panchakarma Chikitsa
If Agni becomes impaired due to one of the mentioned factors, the first consequence is that the digestion will be significantly affected. Depending upon which bhutagni is most disturbed, certain food components will not be completely digested and will remain partially unassimilated. If Jatharagni is affected this will be true of all foods which are eaten. This mass of undigested food eventually accumulates in the colon where it putrifies into a very sticky, white, foul smelling substance. This substance is called ama. Ama initially forms and accumulates in the digestive tract but then can enter other srotas (channels) of the body such as the blood vessels, capillaries,[link widoczny dla zalogowanych], and lymphatics where it can cause obstruction. In addition to grossly visible physical effects on the body, Ama also has subtler consequences on the vital energies which flow through the individual. If allowed to remain, Ama eventually undergoes further deterioration and produces toxic substances which circulate throughout the body via the srotas. Theses substances will accumulate in regions and tissues of the body in which a given individual has a predilection for disease. There, they reduce the body's natural mechanisms for maintaining the health of the tissues and create a blockage, contraction, and loss of vital energy in that region. As a consequence a "disease" condition becomes manifest after a given amount of time and we then give it a name: gallstone, bronchitis, cancer, depression, and so forth.
A principle concept in Ayurveda is that of internal hygiene, or preservation of a toxin-free physiology. This is because one of the earliest stages of disease involves the obstruction of the body’s various channels (shrotas) by accumulated impurities. Panchakarma is comprised of five (“panch”) actions (“karma”)--or less literally five therapies--which promote a clean physiology. These therapies are physical therapies such as various massages, enemas, and other procedures described below which correspond to the body’s own natural cleansing functions. Normally, the body can cleanse itself without assistance; however these innate functions often become dysfunctional due to modern dietary, environmental, and emotional stresses. Panchakarma therapies are designed to loosen and eliminate accumulated impurities in the shrotas to create a profound internal cleansing.
The aerial parts of this plant have been found to contain principles known as lignans, which are known to modify the immune system. Five flavonoids with known antioxidant activity has also been isolated including: quercitin, quercitrin, isoquercitrin, astralgin, and rutin.
One of the main functions of Agni is to serve as the digestive fire and transform the foods we eat into assimilable forms. Many diseases arise from improper functioning of our digestive systems and this is often traceable to a disruption of Agni, the digestive fire. Agni is not only responsible for the breakdown of food substances, but also for destroying undesirable bacteria, viruses, and toxins in the body which could impair our autoimmune systems. In the recognition, capture, and eventual destruction of a foreign antigen by the body's own antibodies, it is Agni that powers the cascade of steps to protect our lives.
In Ayurveda two general forms of disease are recognized: exogenous, caused by factors originating outside the bodv, and endogenous, due to factors inside the body. Ama is the root of all endogenous disease. When Ama accumulates in the digestive tract it can be diagnosed by various means of physical examination the most important of which is examination of the tongue, which will exhibit a whitish, yellowish, or brownish coating. Depending upon the appearance of that coating and its location on the tongue, much can be known about the degree of Ama accumulation throughout the body. Ama is viewed, in Ayurveda, as the harbinger of misery, the cause of disease. The recommendation is to be relentless in our efforts to help the body rid itself of this venomous substance by means of the interventions discussed below.
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