It may be the last few weeks of the holidays but, it is no better time treat yourself to a body detox wrap.
This wrap is suitable for males and females.
This wrap will boost your energy levels and make you feel like yourself again. Having loads of BBQs and nights out or feeling bloated and sluggish, unmotivated.
This wrap is a great way to boost energy by increasing lymphatic drainage, which helps the body's natural detox system to release bad toxins. By aiding the lymphatic system and increasing the negative, harmful toxins. Your body will immediately start to feel better, more motivated, and increased energy. Your skin will feel better and bring your glow back.
The process is having sea clay applied all over the body, followed by bandages wrapped in a specific way to lift and firm the skin and finally you are tucked up in a heated blanket..... to sweat out the negative toxins. following the treatment, you have a three-day detox, no tea, coffee, fried fatty foods, fizzy drinks, processed foods or even a shower to leave the active clay and get to work on the lymphatic system.
This is a seriously great treatment, that really works if you follow the process. As the heat from the blanket helps to open your pores on the body the sea clay can go into the deep layers of the skin, when you unwrap the clay is trapped in the skin and its ingredients get to work.
Bentonite has excellent drainage properties for full detox and skin clarification.
Magnesium sulphate stimulates peripheral skin circulation, exfoliating and anti-inflammatory.
Magnesium Chloride has valuable mineral salt and permits cellular balance, combats stress and fluid retention, and has anti-bacterial properties.
Zinc oxide, bacterium properties and anti-inflammatory.
Sodium Chloride detoxifies tissues and tightens the skin.
They work best the longer they are left on the skin and the longer you detox. I wouldn't claim a 2-hour treatment can do amazing results without the homework. The clay isn't dirty looking on the skin, it looks more like a cloud of chalky dust on the outer skin, the active properties have been absorbed into the skin.
The skin may feel a little different while the clay is working, but the results are worth it. It's a great treatment after weight loss, pregnancy, liposuction or just re-energises you as a whole.
for more information or to make an appointment call Jill at 064-6632966
Housing Will Never Be The Same
Last week I wrote about the pathetic investment options out there for Irish investors. Despite high ongoing fees (mortgage, maintenance, insurance etc.) and the actual headache of being a landlord, […]
Last week I wrote about the pathetic investment options out there for Irish investors.
Despite high ongoing fees (mortgage, maintenance, insurance etc.) and the actual headache of being a landlord, it’s easy to see why real estate functioned as the de facto investment portfolio for an entire generation.
Wealth creation was a rinse-and-repeat function where couples put money away until they had enough for the ‘next house’. As a result, we have an economy where 70% of household wealth is tied up in real estate.
Driven by the profits it created, Ireland became obsessed with owning real estate.
But real estate as an investment won’t be nearly as successful for our generation. (If you are able to get a house, that is)
All you have to do is look at the anecdotal evidence all around us to confirm this.
My parents bought the house they currently live in for 30k (pounds) 35 years ago. The house is now worth roughly 450k.
I typically despise these back-of-the-envelope calculations when It comes to property, given the endless variables and ongoing costs involved, but bear with me.
That’s a gross return of 15 times the original value. Now there are upgrades, a change in currency and other adjustments to consider here, so for argument’s sake, let’s call it 10X.
To achieve the same level of growth over the next 35 years, you would be left paying 4,500,000 euros for what is a pretty modest house.
Sure, we will still see property prices increase over time, but the rate of growth won’t be anywhere near as meaningful for one simple reason.
Over the last 30 years, real economic growth has been stagnant, yet Ireland has experienced enviable nominal growth.
How did we manage it?
We created imaginary wealth.
We pushed interest rates lower and lower to stimulate economic growth.
And it worked.
After all, if you make 100k/year you can probably afford a 400k mortgage at 4%. At 2%, with the same 100k/year salary you can now take on 600k in debt.
So, were we getting richer, or was the debt just easier to afford?
Where do we go from here?
We have now squeezed interest rates as low as they can go.
The house price appreciation we have seen was justifiable because the mortgage rates on housing continued to fall in recent decades. This allowed people to take on more debt without severely impacting their ability to repay that debt.
If we go back to my parents, they were paying 14% on their mortgage. Mortgage rates are currently between 2 to 3%.
A relentless drop in interest rates gave way to higher and higher prices for houses, but interest rates are now on the floor.
The juice has been squeezed.
In fact, the trend has started to reverse, with rates expected to rise 1.5% in the first half of 2023
Be mindful that the same credit expansion cannot happen again.
How the next generation thinks about their investment options has to change.
Banks offering 0% returns for the use of your money and a housing ladder you can’t get on are not your only two options.
If you need help creating your own investment portfolio, just reach out to me at mike@theislandinvestor or simply scan the QR code above.
Biddies performance celebrates St Brigid
Two local Biddies groups performed at Muckross House as part of St Brigid’s Day celebrations in aid of Kerry Parents and Friends Association. The Killarney Parents and Friends Biddy Group – formerly […]
Two local Biddies groups performed at Muckross House as part of St Brigid’s Day celebrations in aid of Kerry Parents and Friends Association.
The Killarney Parents and Friends Biddy Group – formerly known as the Beaufort Biddy Group – and Kilgobnet Biddies came together for the event.
The tradition of the Biddies is one of the oldest and most colourful customs in Ireland, a blend of pagan and Christian pageantry, held on February 1 each year, heralding the beginning of springtime and honouring St Bríd the patron saint of the farming community.
Master traditional craftsman, Pat Broderick, at Muckross House, was also part of St Brigid’s Day celebrations, making a St Brigid’s Cross as part of the traditions.
Housing Will Never Be The Same
Last week I wrote about the pathetic investment options out there for Irish investors. Despite high ongoing fees (mortgage, maintenance,...
Biddies performance celebrates St Brigid
Two local Biddies groups performed at Muckross House as part of St Brigid’s Day celebrations in aid of Kerry Parents and Friends...
Arrest made in Miriam Burns murder case
By Sean Moriarty Gardai have arrested a man in his 50s in connection with the death of Miriam Burns. Ms...
Great turnout at Kerry Clubs Fair
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Why it’s important to have travel insurance
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Paudie Clifford returns and scores wondergoal as Kerry dismantle Monaghan
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St Paul’s ladies’ contribution to club honoured
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Handball continues to shine in Killarney
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Kerry base confirmed for Rás Mumhan
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Cronin’s title fight to be streamed at Jimmy Brien’s Bar
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