Spa Experience Gifts

Spa Experience Gifts: They’re More Than A Foot Rub, Honey

You’ve been contemplating giving her a gift certificate to her local spa, perhaps a massage or a pedicure, something lovely and relaxing like that. In the back of your mind, you’re wondering: Isn’t that a little, well, superficial?

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Turns out, spa experiences are anything but. According to the Mayo Clinic, after centuries of being utilized by Eastern medicine, best massages in Bandung is finally becoming a standard supplement to Western medicine, as well. Prescribed alongside other treatments for cancer, anxiety and depression, pain management, sports injuries, and even infant growth (who knew?!), the benefits of massage go far beyond simple feel-good pleasure.

It all comes down to the way stress interacts with our immune system. When we’re stressed, our body produces cortisol, a hormone that wreaks havoc on our body’s defenses. Massage decreases the amount of cortisol (stress) our bodies produce, allowing our immune systems to stay strong. As a result, immune systems in people with hypertension, burns, and arthritis among others have all been seen to get stronger with massage, reports a 2011 Newsweek article.

Available all across the country, spa experiences (ranging from Swedish massages to seaweed body wraps) are a simple, healthful retreat from the daily grind. They’re perfect for girlfriends and best friends, couples and even the adventurous man. And because these seemingly decadent packages do more than decompress the body, you’re giving more than just a feel-good gift-you’re giving the gift of health, too. Talk about a way to say, I love you, Mom.

These five spa experience gifts are just a small sample of the hundreds available across the U.S., ranging from spa pedicures to aromatherapy massages to makeup application lessons.

Seaweed Body Wrap: These full-body experiences involve having an esthetician or massage therapist apply a seaweed-based mask from shoulders to toes, infusing your skin with depleted minerals and vitamins. Most wraps are followed by an exfoliating treatment and a shower.

Reflexology: This Eastern tradition concentrates on the feet as representative of the whole body. Masseuses work on specific areas of the feet (or sometimes ears or hands) corresponding to different parts of the body, with the goal of correcting and relaxing the whole of the body.

Volcanic Stone Massage: A combination of Swedish massage and Native American techniques, this massage therapy utilizes volcanic stones, warmed and smoothed along specific points on the body.

Couples Massage and Float: Great experience gifts for couples or newlyweds, this afternoon at the spa begins with a traditional Swedish massage, followed by an hour-long float in a mineral solution to fully relax the body. And because sometimes feel-good things can’t be all good for you, the package usually includes complimentary chocolates and wine or champagne.

European Facial: Slough off the winter blues with a European facial, customized to your unique skin type, helping to bring back the glow of healthy skin. Professional estheticians analyze the specifics of your skin and then tailor the facial to help correct the …

Ideas To Financing Your Property Development Project

There are a number of ways for an aspiring penang development– even one who doesn’t have a lot to spend– to get started. Along with individual savings and investment, two standard sources of financing for a venture are loans and investors. A common structure for a development project is 50-80 % debt and 20-50 % equity investment. For credibility and to ensure that there is motivation for the developer, equity investors usually ask a developer to co-invest. Most invest between 5 and 15 % of the cost; a higher investment means more direction and lower rates.

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Getting investors takes some work, but it’s possible to find them, even for small projects. Local chambers of commerce can point out investment clubs and companies. Search public databases for building permits that contain the names of developers and contractors who may be interested in local investments.

It’s important to understand that getting capital is a time consuming, difficult process. In today’s financial environment, things aren’t like they used to be. Loans have to be secured by cash flow and assets. It doesn’t matter who you know, and no matter how good the project sounds to the developer, it will still be evaluated based on its credit risk.

Because of this, it’s important to have professionally prepared documents and plans. You can do this on your own or hire a consultant, but there has to be accurate projections and reports like feasibility studies for marketing and finance, business plans and operational plans. It’s best to gather potential investors together and present the proposals in a method that is visual and accurate.

Proposals and plans should show a positive project valuation – how much the project will be worth once costs are paid. For developments that will be sold, this is equal to the net sales value after marketing and other costs are paid. For rentals, it’s the annual income generated after marketing and development costs are paid.

Another important turn is net operating income or NOI. This is the gross income minus taxes, insurance, utilities, management, maintenance and replacement.

Some other important rates and ratios used to evaluate a project’s potential are:

Debt Service Coverage Ratio (DSCR or DCR): the ratio of stabilized NOI to debt service

Loan to Value (LTV): the ratio of the loan amount to the project value

Capitalization rate

Rate of return

Once the project is complete, debt is repaid first then equity is distributed. For a sale, it’s all paid from revenue. In a rental investment, a permanent loan replaces construction loan and is paid monthly, with revenue paid to investors after this amount is paid. Investors are paid back in a “waterfall” structure. The first pool pays investors a high percentage of profit – first, a repayment or return on equity, then an annual return that typically equals 9 to 12 percent of the investment. The malaysia propertiesinvestment is reimbursed at the same time, and the developer is also paid any special fees that are specified in …