Where Can I Find Money is back, after a long break over the holiday season we are all looking down and staring at the excess pounds we put on! (But it was well worth it) With a new year comes the mad rush to join a gym and get in to the spirit of sticking to your new years resolution of getting a beach body. Well before you join a gym consider alternatives. Why? Well gyms are not cheap these days and 80% of gyms tie you into a 6 month contract. With the average monthly fee going up this total cost can be very high!

If you are looking to shift the excess don’t go and pay for a membership just yet, first of all find a friend who has similar get fit goals. Together you can go running, walking, circuit training this will be much better for the both of you. First of all, you will be saving money which is the main reason you are here. Next, having a friend with the same goals means you can feed off each others energy and determination, the voice in your head that always tells you to stop when your knakkered will be told to shut up by your friend! You can also compete to see who loses the weight quickest, again competition fuels your desire to lose the weight which will have the desired effect for yourself.

Running – To start off on this road to recovery, you need to take baby steps. Doing a 5 mile run in your first outing is only going make you hate running even more! First run do a 1 minute walk and a 1 minute run and continue to do this until you have completed 10 minutes of running. Do this for a week. In your second week do a 1 minute walk and a 1 and a half minute run and continue to do this until you have done 15 minutes of running. In your third week do a 1 minute walk and a 2 minute run and continue to do this until you have done 20 minutes of running. In your fourth week you will be ready to run non stop for 10 minutes take a walk of 2 minutes and then another 10 minutes! This will give you more enjoyment out of the running and it really works!

Where Can I Find Money will bring you more tips on how to keep fit at home this way you you can save on that expensive gym membership!

Where Can I Find Money will be bringing you some tips on how to optimise your website to makes sure it reaches its full potential. First of all if you have a business that relies on a website as a source of advertising or client source then it’s imperative that you get the most from your website. Flashy websites with all the gimmicks are brilliant to look at but what is the use of having that if nobody can view it?

First tip is to start off with a good domain name, make sure it has some relevance to your company and if possible make sure there are some keywords in the domain, it will help in the future in google rankings.

Each day of the week for the next 5 days I will bring you some simple tips that will improve your rankings on google. As a project we are working with a website, to see how many pages we can climb in the next few weeks and we will keep you updated.

Where Can I Find Money is here to save, make and find you money hopefully this will help you make money and save money in the long run.

Where Can I Find Money has came across a recruitment agency that really does look after its clients, please visit www.jambriltd.com and look at The Agency, they’re client service is second to none a real first class business. Take a look.

Where Can I Find Money brings you some tips on how to save money when it comes to filling up your car.

With petrol expected to reach new highs by the end of 2011 these tips could be useful.

1) Only buy or fill up your car or van in the early morning when the ground temperature is still cold. Remember all service stations have their storage tanks buried below ground. The colder the ground the more dense the petrol, when it gets warmer petrol expands, so buying it in the afternoon or in the evening means your litre isn’t exactly a litre. In the petroleum business the specific gravity and the temperature of the petrol plays a very important role.

2) When you’re filling up you will notice the nozzle has 3 modes: low, middle and high. You should be using the low setting, thereby minimizing the vapours that are created while you are pumping. All the hoses at the pump have a vapour return. If you are using the high speed, some of the liquid that goes to your tank becomes vapour. Those vapours are being sucked up and put back into the underground storage tank so you’re getting less for your money.

3) Fill up your tank when it is half full, The reason for this is the more petrol you have in your tank the less air occupying its empty space. Petrol evaporates faster than you can imagine. Petrol storage tanks have an internal floating roof. This roof serves as zero clearance between the petrol and the atmosphere, so it minimizes the evaporation.

4) If there is a petrol truck pumping into the storage tanks when you turn up at the petrol station, do not fill up; most likely the petrol has been stirred up as the petrol is being delivered, and you might pick up some dirt that normally settles on the bottom.

Where Can I Find Money hopes it saves you a little bit of money. It’s all science it may work it may not but the theory proves it does.

Where Can I Find Money is back with a potential share tip for the future. Take a look at the fundamentals and if all comes good this share will be a great portfolio prospect.

3 November (Stuttgart: A0Z24E - news) 2011

ValiRx Plc

(“ValiRx (LSE: VAL.L - news) ” or the “Company”)

New Patent Filing for Lead Therapeutic Compound VAL201

“ValiRx files new patent for additional indication in endometriosis or hormone induced abnormal cell growth in women”

“Studies show VAL201 reduces the abnormal endometrial growth, whilst preserving fertility”

ValiRx Plc (AIM: VAL), a life science company with a focus on cancer diagnostics and therapeutics for personalised medicine, is pleased to announce that it has filed a new patent regarding its lead therapeutic compound VAL201 for a further indication in endometriosis or hormone induced abnormal cell growth in women. Based on results in endometrial models, VAL201 has been shown to reduce the abnormal endometrial growth, whilst leaving other hormone induced activities working normally. This suggests that VAL201 has potential for reducing side effects as indicated in an earlier study of VAL201 with respect to prostate cancer in men (28 July 2011).

The latest findings expand the potential use of VAL201 in therapeutics to another area of significant unmet medical need and builds on ValiRx’s continuing progress with VAL201, in collaboration with Oxford University and others, in the development of good pre-clinical and required regulatory data for the compound’s use against prostate cancer in men.

Endometriosis is a gynaecological medical condition in which cells from the lining of the uterus (endometrium) appear and flourish outside the uterine cavity, most commonly on the ovaries. The uterine cavity is lined by endometrial cells, which are under the influence of female hormones. These endometrial-like cells in areas outside the uterus (endometriosis) are influenced by hormonal changes and respond in a way that is similar to the cells found inside the uterus. Symptoms often worsen with the menstrual cycle. Endometriosis is excessively debilitating, typically seen during the reproductive years and represents one of the major causes of female infertility.

It has been predicted that the global endometriosis market will reach $1.3billion by 2017 and endometriosis remains a common health problem among women, with an estimated 170 million sufferers globally. This estimate is widely considered to be an under estimation of the true situation with respect to this condition.

The original patent and technology covering VAL201 is licensed by ValiRx from Cancer Research Technology (“CRT”) for use in androgen resistant cancer. The two major cancers of this type are prostate and breast cancer, the more common being prostate cancer. Under the terms of the licence with CRT, ValiRx is responsible for performing the pre-clinical development and obtaining regulatory approval to take the compound into clinical trials in patients. ValiRx will also manage the commercialisation and development of potential treatments.

ValiRx continues VAL201′s preclinical development programmes in prostate cancer and endometriosis and looks forward to developing the compound to the stage where it meets with the regulatory requirements in preparation for entering clinical trials.

Dr Satu Vainikka, CEO, commented: “I am delighted with the progress we are seeing and the filing of this latest patent is an exciting next step in the development of the compound.

The market for treatments against endometriosis and hormone induced tumour growth is substantial and with significant unmet clinical need. I am pleased therefore to see that novel therapeutics with improved safety profiles and with minimal side effects are increasingly addressing these conditions. Several major pharmaceutical companies have already expressed considerable interest in endometriosis therapeutics and I believe new methods of treatment are increasingly being accepted. I very much look forward to the continued development of VAL201 for the benefit of all parties”.

Make sure you do your on research!

Where Can I Find Money appreciates with Christmas coming we will all be rushing out to buy gifts for friends and family. Well before you do make sure your not paying above the odds for your gifts. Before you shop make a list of the presents you want a buy and then google the best prices. Not only will this save you money but you may find better gifts in the process aswel.

I’m sure most of you already to do this anyway.

Where Can I Find Money brings you another tip on making the most out of your life insurance. As said before life insurance is taken out for the benefit of protecting your family in most cases. It may come to you as a surprise but your life insurance will be taken into account when your whole estate is valued at point of death.

What this could mean? Well if your estate is valued at over £325,000 it is then subject to inheritance tax over that amount. So if your estate is valued at £500,000 your family would receive the £325,000 tax free but then only 60% of the remaining £175,000 which is £105,000. That is a loss of £60,000! However there is a way of setting up your life insurance so it avoids being valued as part of your estate therefore no longer being valued for inheritance tax purposes potentially saving your family 40%.

http://www.hmrc.gov.uk/rates/iht-thresholds.htm

First of all lets understand how inheritance tax works. From Husband to Wife or visa versa there is no inheritance tax liability. However if it’s to go to any other person it would be subject to inheritance tax. The threshold is currently £325,000, of course this generally rises each year at about £10,160 if we look back over the last 25 years. Now most of us will think its fine, my estate isn’t worth that much, however look at it closer and in alot of cases you won’t be to far away from it.

To avoid this happening on any life insurance policy make sure you ask your advisor about writing the policy into trust. What is this? A trust is a document appointing who the money will go to at the point of death therefore already avoiding the probate process, and avoiding being valued for inheritance tax purposes. 

Always set up your insurance through an advised based company, they should make you aware of this but if they don’t mention it yourself. What’s the point of paying 100% of the premium each month if your family is only going to get 60% of the payout?