What’s a Normal Testosterone Level in Men


Testosterone is a hormone produced in human body and it offers them several benefits. Thanks to the continuous research made by experts to understand about the different benefits offered by this hormone. However, in some people there might be deficiency in segregation of this hormone and this might be due to problems associated with birth or the problem might also arise during their adulthood.

Normal Testosterone Levels In Men By Age

Age T level (ng / dL) -nanogram per deciliter

0 to 5 months 75 to 400

6 months 9 years <7 to 20

10 for 11 years <7 to 130

12 to 13 years <7 to 800

14 years <7 to 1200

15 to 16 years 100 to 1200

17 to 18 years 300 to 1200

19 years Plus 242 to 950

The average adult male is 270 to 1070

As you can see, the amount of testosterone (nanogram per deciliter) during adolescence varies greatly and then generally remains static from about 19 to 20 years for 40 years.

Irrespective of whether a person wishes to purchase some prescribed hormones or some peptides like Melanotan, it is better to get the help of an online chemical company offering fast, reliable and secured service.

Testosterone is a hormone produced in human body and it offers them several benefits. Thanks to the continuous research made by experts to understand about the different benefits offered by this hormone. However, in some people there might be deficiency in segregation of this hormone and this might be due to problems associated with birth or the problem might also arise during their adulthood.

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The Health Care Bill and How it Affects Your Investments and Insurance

On Sunday, March 21st 2010, the United States has passed an historic bill (H.R. 3962) that will change not just our health care system but our entire way of life. This article will discuss the facts that are currently available including NEW taxes that will begin due to this bill.


1) Introduction to the Health Care Bill
2) Tax hikes and NEW taxes
3) Some strategies to avoid some of these taxes
4) How will this affect the insurance companies and how to counter a possible problem

1) First off, we will have the option to either have a private or public health insurance. If you are currently are covered AND satisfied with your current insurance company, simply keep it. However, ALL Americans must have health coverage by 2014 otherwise you will pay a minimal fee. However, by 2016 the penalty will be $700 per person. Furthermore, one of the main ideas of this new plan is to also create competition with private insurance companies. This way, premiums will be drastically lower as well as eliminate co-pays for preventive care. Furthermore, cap out-of-pocket expenses will also be eliminated. A family of 4 making under $88,000 will qualify for subsidies to help offset premiums. In other words, possibly not pay anything.

The other idea for this bill is to improve quality of care for every American. The idea is to ensure all ages, including senior citizens, to have access to greater quality of care by focusing on wellness, prevention, and strengthening programs. Children will have health care coverage that dental, vision, and hearing benefits. Citizens will also strength Medicaid and Medicare by closing the “Medicare Part D ‘donut hole'” for an improved quality of care and much lower prescription drug costs. Moreover, the bill will increase the health care workforce to ensure that there are more doctors and nurses to provide care (especially since every citizen will have more coverage which means more patients for them to see).

For employers, this bill will represent the following: If you have coverage for your employees, you can keep it. If you do not, you will be charged a fee of 8% of your payroll. If you as an individual do not take coverage from your employer or accept the public health care, you will pay a penalty of 2.5% of income (unless you can prove hardship exemption). If you are a low to middle income individual/family, the federal government will provide affordability credits to make premiums affordable.

In addition to individual and employer changes, the bill will also change current insurance practice. First off, insurance companies as of March 22nd 2010, will NO LONGER deny coverage to anyone with pre-existing conditions. In addition, transparency in plans MUST be clear and complete in laymen terms. Paperwork must also be simplified including the paperwork that patients, nurses, physicians, and insurance companies must provide. This is to make things simpler and more consumer friendly. In addition to these changes includes enhanced oversight of Medicaid/Medicare programs. However, this cannot be possible without more funding from the American People.

2) The health care plan is a costly one no matter how you see it. In order to not increase taxes on the low to medium income individuals/families, they have created a new way to fund this project and perhaps fix some of the deficit that the United States currently has. This is however not good for high income individuals/families.

Since Medicare/Medicaid will have enhanced oversight, they will require additional funding. If you make over $200,000 per year, you will have an increase of Medicare tax by 1 %. The remainder of the bill requires new funding in which an “Investment Income Tax” will be added to all brokerage accounts (that are taxable, including dividends). This tax will be 3.8% of the total value of the portfolio. Employers will also have a “Cadillac Tax” which an employer will pay $10,000 PER PERSON per year in health care coverage. Employees will pay taxes on anything more than the $10k (which is 40% tax rate!). A flexible spending account which is used like a 401K or IRA (but for health costs rather than retirement) will pay a LARGE penalty if you use it for anything other than health! If you are a union worker or have great private health benefits, you will feel the impact on your coverage in some way due to the high costs to maintain this coverage.

In addition to these tax implications, President Obama plans (and may pass now more than ever to further fund this bill) to increase the long term capital gain that many high-net-worth individuals loved of only 15% to 20%. If this passes you must remember to add the 3.8% of the “Investment income tax” which will be a total of 23.8%. This is slated to take effect in 2013.

3) In order to combat these new tax implications you need to first re-evaluate your net worth and AGI (annual gross income). If you make over $250,000 you need to first stop being 100% in equities (in a brokerage account). This is 100% taxable and with a 23.8% tax including your tax bracket (which is currently not being discuss but I can guarantee they are thinking about it). First thing you must do is contribute the MAXIMUM of your employer’s retirement account. If you are an employer and do not have one, GET ONE!!!!!!!!! Contact an advisor immediately and set one up (It can either be a pension plan, 401k, 403b, etc. Just make sure you create a retirement account). After this, open an individual IRA/Roth IRA and contribute the maximum amount (under the age of 50 is $5,000/ 50 and over is $6,000). You may not be able to deduct the contribution with a traditional IRA depending on how high your AGI. But why am I saying all this? Because retirement plans are tax DEFERRED. You can delay paying Uncle Sam until you retire and your tax bracket drops from the lower income you will receive.

After you have done this, re-evaluate your portfolio again. Depending on your current age you may want to also consider the following: Annuities, treasuries, municipal bonds (from your state). These investments are very tax favored. Annuities are tax deferred, guarantee an income for life (or you can choose a guarantee to a certain amount of years) as well as a death benefit! If the majority of your brokerage and retirement is in equities, only purchase index or fixed annuities (please see my previous article “Annuities in Your Retirement Income Planning” for details). The idea is to diversify your portfolio not just in the markets anymore but also in tax implications! Now more than ever this is vital!

Another strategy is to create a tax free brokerage account. In other words, open a brokerage account and invest only in triple-tax free municipal bonds (it must be in the same state as you reside). Reinvest all dividends to these bonds. Don’t use mutual funds for this strategy! You need to actually own the bonds and you need to know what you are investing in. In a mutual fund that’s not the case most of the time since the manager can change strategizes depending on the investment agreement (Please see my previous article “How to Pay Less Taxes Per Year Using the Feds Own Money!” for details).

4) A concern I do have is the major insurance companies that not only do business in Health insurance but also in Life/Annuities/accidental/Casualty/etc. Health Care insurance is a multi-billion dollar industry and the government is about to take that away from them (if the government is offering the same benefits with lower cost, why not go to them?). Having said that, depending on the company, this may or will affect the other business that they are connected to. Why am I playing “devil’s advocate”? Because if a major portion of this business is about to lose money, this may affect YOUR other insurance that you have with them.

For example: ABC insurance does Life, Health, Accidental, Casualty, property, and annuities. You have ABC life insurance and an annuity contract. ABC makes half of their income from health insurance. Health Care bill takes in affect and most of ABC business is gone since half of their income is devoted from Health insurance. As a result, ABC will have their ranking lower and if they cannot make up the difference, ABC will have to answer to the government for why they do not have the necessary surplus to cover those that have life insurance or an annuity (let’s not forget they have other business too…). Government may force reconstruction or liquidation. In conclusion, your ABC life insurance policy and annuity will be affected!

Some ways to combat this is by first reviewing your current insurance company. If possible, contact your insurance agent and try to get the information on the type of business the insurance company is in (trust me, that information is available!). Secondly, if you are planning on coverage from a insurance company, besides getting this information, don’t be afraid to diversify! For example, you can get a whole life insurance with 1 company, term life with another, and a variable life with another INSTEAD of just having 1 insurance company to rely on your benefit. You can also do this with annuities. If you plan to invest more than $500,000 in annuities, take a portion of that amount and purchase an annuity with another company. You can have as many annuities as you want (including life insurance). An agent can help you diversify these contracts with different insurance companies. If they do not want to do this, most likely than not, they are getting paid BIG commissions by that insurance company he/she wants to sell you and they are not looking out for you! I mentioned $500,000 because most states will cover you for that amount if the insurance company defaults.

The world is changing around us and we need to adapt to our environment in order to survive. This includes the way you invest. The health care reform was needed since the United States was lagging compared to most of 1st and 2nd world countries. However this could not be done without cost and we need to adapt to these costs. Everyone will be affected in some way but in the end it is what you do now that will make a difference in the future. I hope this information was helpful for all of you. If you have any questions please feel free to contact me.

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The Health Care Bill’s Hidden Gems

The new Health Care Bill is all about health care; right? Not on your life. There are things buried deeply in this bill that you would not believe and they don’t have a lot to do with your health care.

Did you know the bill allows the President can force doctors into military service whether in peace time or war time? This is ridiculous. Why do doctors need to go into the military whether or not they want to do so? How can this be done against their will? What are they supposed to be doing? No one seems to know. It certainly does give the President some strange powers that don’t have a lot to do with health care. You may be asking yourself what conscripting doctors into the military or only allowing the government to give college loans has to do with health care. The answer is nothing.

To be fair the Bill has some good points. There can be no pre-existing condition exclusions. Your policy can’t be cancelled on you. Insurers are supposed to pay the claims in a timely manner. I wonder if this means they can’t keep sending you those little forms to fill out to clarify your claim.

Have you looked this behemoth up on the internet? It has over 1,000 printed pages. If you want a copy, according to one site, you can pay $49.95 and get one. Most websites will give you “insights” into the bill. Of course, depending on their point of view, they will steer you toward what they want you to read.

The Huffington Post has partnered with Insight to dissect the bill and comment on it. Want to have your say? This is a good way.

One thing that caught my eye was the continued reference to “data gathering”. It isn’t spelled out but you sure get the feeling that your information will end up on in a giant database somewhere that can be accessed in a manner that is not to personal benefit. It’s just a feeling. If they adjust payments as many times as adjustments are mentioned, payments will be adjusted out of existence.

The Health Care Bill requires every American to be covered by health care. Whether or not this is constitutional is being debated even now. There will be a penalty to be paid if someone does not get health care. However, if that penalty is substantially lower than the health care insurance itself, what is to stop people from refusing? Paying the penalty? Getting health care anyway when they get sick? That’s something no one considered when mandating that everyone have this coverage.

While we wait for a decision as to whether or not this is constitutionally acceptable, our President is telling us that he has the right to make us buy a product he recommends. How interesting is that? It’s a step in a direction that is troubling to people who cherish the Constitution of the United States.

This bill passed by 219 votes. All of them were Democrat; not one Republican voted for this bill. That makes this bill, which concerns everyone in the U.S., a very partisan bill. So, should one group be able to dictate how we spend our money? I tried to go to the White House page about the bill; I got the “404 page cannot be found” message. Instead there was a list of “issues” we could browse. Don’t you think this is strange? Shouldn’t the American public be able to read the bill? So I went to the “title by title page” to see if I could get any more information. I clicked on “read the entire bill” and was sent to the Democrat’s website where the bill is posted.

The first thing that struck me (literally) after the bill number (HR 3590) was this statement: To amend the Internal Revenue Code of 1986 and to modify the first time homeowners buyers credit in the case of members of the Armed Forces and certain other Federal employees, and for other purposes. Could you explain to me what this has to do with health care reform? Maybe you can find a copy of this thing and read it. So far what I have been able to see is confusing and concerning.

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People That Understand the Massive Health Care Bill Join “Physicians Against Obama Care”

For those that watch FOX news or read the Wall Street Journal, it might be hard to not hear about the damages that the Obama Care health care bill unleashes. Not only does it worsen the budget deficit, but it hits the pocketbooks of the poverty-level Americans that will be forced to purchase health insurance or face fines and penalties. It places additional burdens on the medical field and limits fees that surgeons, medical specialists, anesthesiologists and others in the medical field can charge, discouraging some that want to go into this field.

The fact that it benefits the greedy insurance companies makes it the biggest slap in the face of all. Many people have heard about the salaries of management at AIG, who got government bailout money, while neurosurgeons, cardiologists and other medical specialists are limited in their annual salaries, which are FAR less. What politicians started to do was reform health insurance, but instead they passed the massive Obama Care health care reform bill that does anything but increase the number of policies they will sell and allows them to increase premiums to make up for those with pre-existing conditions.

For the conservative Americans and the medical professionals that understand the ramifications of this ill-conceived Obama Care health care bill, they know it is unconstitutional to force poor people to buy health insurance or be fined. In fact, there are many states that have their Attorney Generals working on the small print to overturn the bill on these grounds. Small businesses that face large penalties based on “per-employee” fines over health insurance will be forced to raise costs and the medical field will become over-burdened with the patient load that will have all kinds of patients scheduling appointments for preventive medicine appointments while those that need urgent care will be waiting in line for months, to get to their scheduled appointment time.

Those that are aware of what the Obama Care health care bill contains are already fighting to have the bill overturned. Not only has the Association of American Physicians and Surgeons already filed a lawsuit, but there are many surgeons and physicians, along with medical specialists and conservative Americans that want to join the fight. There are politicians that don’t agree with the Obama Care health care bill because it only passed the House by 4 votes, the majority which were Democrats and 34 Democrats didn’t even vote for it. Because Obama and Pelosi were in such a political rush to get the bill passed, politicians without backbones passed it so they could break for their upcoming holiday.

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Diet And Exercising For Weight Loss

Obesity is now being called an epidemic in the health community. In fact, it will soon be the leading cause of preventable death in the United States, even ahead of cigarette smoking. Obesity leads to type two diabetes, high blood pressure, heart disease or stroke and even an increased risk of cancer. With all of these health risks, as well as the general improvement in the quality of life that can occur, losing weight is one of the best things that you can do for yourself.

No matter what we would like to believe, there simply isn’t a magic solution to losing weight. The body will shed excess fat when it needs more calories to function through the demands you place on it in a given day than the amount of calories that you feed it. It’s that simple. So, in order to lose weight, you need to decrease the number of calories that you eat as well as increase the amount that you burn.

There is a wide range of options to choose from when looking for a weight loss program. All of them often spend a lot of time explaining what to eat, in what amounts and even at what times or in what combinations. But few of them emphasize the importance of exercise – not just for losing weight, but for your general health and wellbeing. Exercise is vital when trying to lose weight for several reasons:

First, as you start to eat less, your metabolism will slow down somewhat. Exercising helps to elevate your metabolism back to an efficient level.Second, as mentioned, exercise burns more calories so that you can lose weight faster and stay motivated in your efforts.Third, exercise actually releases endorphins, chemicals that keep your mood elevated.

Exercise doesn’t have to mean spending hours at the gym or straining through exhausting workouts. In fact, in order for you to stick with it on the long run, exercising should be something that you enjoy. Start by increasing your activity level in an overall way. Take the stairs when you can. Park further from the mall door when you go shopping. Go for a walk in the park or through a neighborhood you love and bring a dog or a friend along for company. Take dance or martial arts lessons.

Once you become more active in general, you’ll find it easier and more natural to move into regular exercise. Which you’ll need to do eventually in order to get regular, noticeable health benefits. You need to raise your heart rate to a fat burning level and keep it there for at least 20 minutes, 3 times or more a week. However, if you don’t want to go to a gym, there are other options. Videos and DVDs are now available in all kinds of exercise types. That way you can change your routine whenever you want so that you don’t get bored with what you’re doing. Try a range of aerobics, kickboxing, yoga, or pretty much any activity you want right in the comfort of your own home.

If you have physical limitations that would keep you off from exercising, you can still find a way to increase your activity level. Water aerobics is a wonderful option for those who have joint problems or limited mobility because it relieves the pressure on your body that your weight provides. But you still get the resistance to challenge your muscles from the water. There are even classes and videos available that let you exercise in a seated position.

Whatever kind of exercise you choose, it’s important to stay motivated and keep it fun. Try gathering a group together to make it a social event. Or get a pedometer, a device that tracks how far you walk, and see how many miles you can walk a week. Make a competition amongst your friends or family members and treat the winner with something special (not food related!). Make the experience of exercising something that you look forward to, and it will soon become a regular part of your healthier lifestyle.

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The Best Treatment For Acne Vulgaris Tca Skin Peels Used By Plastic Surgeons Everywhere

Acne vulgaris (acne) is a condition, popular with teens and young adults, that is characterized by red, inflamed bumps and patches. These bumps and patches are formed by overactive sebacious glands (usually due to hormonal imbalances), high skin pH, oil, and basteria that thrive in these conditions. This acne can be worsened by summer heat, improper cleaning, itching and picking at the bumps (they are not pimples and will only get worse when picked at), pH imbalance, bad nutrition, etc…

By changing our habits we can improve this condition. Using mild soaps and cleansers will prove less irritating. Eating a well balanced diet will average out the condition and slowly improve it. And we all know not to pick at acne postules and bumps, but to stop it and possibly cure it we have to get to the source deep in the skin.

Surface treatments like benzoyl peroxide creams and solutions are at best minimally effective and can further irritate the condition. We need to get several layers down to the source, the bacteria, inflamation, and the sebacious glands where acne forms.

Plastic surgeons know that glycolic and salicylic peels are better than hydrogen peroxide treatments, but they will not reach the source. This is where plastic surceons and doctors use TCA peels (trichloroacetic acid) which is a deeper peel to reach the source, change the skin pH (which kills off the bacteria – they cannot survive in high acidity conditions), and increase skin regeneration by sloughing off several layers. TCA peels have been clinically prove to treat and cure acne better than any other treatment (including lasers and Accutane) without any of the horrible side effects).

TCA peels used to be something only the wealthy could afford, but not anymore. You can still go to your doctor and pay $500+ or you can do it yourself. TCA peels are the easiest, safest, and most effective of all the skin peels and are now easily available. For more details about TCA peels contact the author below or look it up on the internet. Get a TCA peel and start enjoying cleaner, more youthful skin and stop wasting your money on products that don’t work.

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Skin Cancer Prevention 5 Ways To Protect Yourself From Uv Rays

Skin cancer prevention measures can actively reduce your chances of developing skin cancer if you implement them in your daily routine. The most common form of cancer in the United States, tens of thousands of Americans contract skin cancer every year.

Skin cancer comes in three forms: basal cell carcinoma, squamous cell carcinoma, and malignant melanoma. Of the three, melanoma is the most dangerous and life threatening. Skin cancer claims the lives of approximately ten thousand Americans on an annual basis.

What causes skin cancer?

Overexposure to ultraviolet sunlight (UV rays) is believed to be the dominant external factor in a person’s development of skin cancer, although genetic factors can play a role. To protect yourself from UV rays, you should take the following 5 steps for proper skin cancer prevention:

1. Avoid Direct Sun Exposure: Avoid exposing your skin to direct sunlight during midday (generally from 10am to 4pm). This is the time when UV rays are most intense. Plan your schedule to avoid outdoor activities during these hours. Also, be aware that sand and snow reflect sunlight, so if you’re at the beach or a ski resort, direct sunlight can bombard you from every direction with UV rays.

2. Cover Yourself: When out in the sun, keep your skin covered. Wear long-sleeves and long pants if possible. Wearing a hat with a 3 to 4 inch brim all around is preferable. This will guard your neck and cheeks from dangerous prolonged exposure. Also note that dry, dark-colored garments offer the best protection.

3. Use Sunscreen Properly: You should always use sunscreen when enduring prolonged exposure in the sun. Find a sunscreen with a Sun Protection Factor of at least 15 and read the directions for proper application. The higher the SPF, the higher the protection you will receive against dangerous sunburns. However, sunscreen does not offer “bulletproof” protection, and UV rays can penetrate water, so just because you feel “cool” in the water doesn’t mean you’re protected from sunburn.

4. Use Sunglasses That Block UV Rays: Making certain your sunglasses can block UV rays helps to guard your eyes from serious sun damage. The best constructed sunglasses should have a UV ray absorption rate of 99% to 100%. Never assume that darker lenses equal increased protection. UV rays are blocked by a chemical applied to the lenses. This chemical has nothing to do with the color of transparency of sunglass lenses.

5. Stay Away From Tanning Beds: It is a myth to believe that tanning beds and sunlamps are free of harmful UV rays. These cosmetic instruments might make your skin more attractive in the short-term, but they can significantly increase your risk of developing skin cancer in the long-term. Health professionals advise their patients to avoid them.

By implementing these 5 steps in your daily routine, you can significantly decrease your risk of developing skin cancer, while maintaining a healthy lifestyle that allows for proper exposure to the sun. Another important step in prevention of skin cancer is routine examination by a doctor. If skin cancer is detected early, then your odds of survival are markedly increased.

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Diabetes Cause And Prevention

An individual may get diabetes when the pancreas can no longer secrete the needed hormones that produce insulin. The insulin maintains the glucose in the blood to be normal. Low insulin means that the level of glucose, which is sugar in the blood, may get high and may lead to diabetes.

The autoimmune reaction is a type 1 diabetes where the cells in the pancreas organ that produces the needed insulin are destroyed. This results to the total loss of insulin in the hormones. This happens because the body has its own hormones that protects and destroys its own pancreas cells.

Although there is no scientific proof why this occurrence in the pancreas happens, some studies have some theories that may possibly be related in this kind of reaction. Some say that this happens when there is exposure of a newly born to a cow’s milk, the infection from viruses and bacteria, and the exposure from food-borne chemical toxins. There is not enough evidence yet to prove some theories that may trigger the cause of diabetes.

The type 2 diabetes is said to progress when there is lack of insulin that is needed to maintain the blood sugar in the body. Another reason is believed to be that the needed insulin not be effective effective to control the blood sugar because of abnormalities in composition. The last reason is said to be that the receptors in cells no longer respond and fail to stimulate the organ that produces the needed insulin.

An individual is likely developing the type 2 diabetes when a person is overweight or obese. The increase of age of an individual is also considered a factor in acquiring this type of diabetes. Some few cases that may lead in this type of diabetes may include when a woman is having her pregnancy, or when a person have some intakes of medicines and drugs. In addition, any sickness or infectious decease that can alter the pancreas production of insulin.

There are some basic treatments for diabetes. These ways can serve an individual its important role in treating diabetes. Here are some ways on how a person can treat diabetes problems.

1. An individual must work thoroughly in obtaining his ideal body weight. Every individual must have a regular exercise and physical endurance tests. People who suffer from diabetes are recommended to be physically fit if possible. Exercises for the lungs and heart may help the person lessen the sugar that causes diabetes.

2. An individual must follow a diabetic diet program. Not being on the proper diet can be a great factor in acquiring type 2 diabetes. It is recommended that a person must lose weight if he is an overweight person. It is advisable that a person must be conscious of the food that he takes. Eat foods that do not have sugar content.

3. The option of the individual to have medication and seek the help of a doctor. Every diabetes patients that have type1 and type 2 diabetes can take insulin daily to sustain the insulin production of the pancreas. There is also the new insulin pump that continuously provides the much-needed insulin. There are also new medications that treat diabetes like the synthetic human insulin, Sulfonylurea drugs, Biguanides, Thiazolidinediones, Meglitinides, Alpha-glucosidase, and other drug combinations.

Diabetes can be prevented with the proper awareness and information regarding this illness. What is important is that a person must have a healthy diet and regular exercise to have a healthy body. Responsibility and discipline is needed to help oneself in overcoming this disease.

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