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Practical and Helpful Tips: Loans

November 6, 2018

Miscellaneous

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Why Using a Mortgage Calculator is Beneficial

One who wishes to buy his or her own home may feel this way because he or she knows of all of the benefits involved in home ownership. If you have held back until now, however, this might be for many just reasons, one of which is the fact that when you get a mortgage, it can change and affect your life in so many ways. One will be glad to know that he or she does not need to hit and miss, but can plan and find out how it will affect life, and it can be done easily through the help of a good mortgage calculator. One who starts using a calculator like this, then, can be sure that, when he or she does so, a lot of benefits can be gained.

Using a mortgage calculator is certainly beneficial in a lot of ways, one of which is the fact that you will find out what you can really afford. With the help of such a device, one can find out and calculate the monthly and yearly interest on the house, the taxes, and a lot of other things. You can be sure, then, that you will not have to worry about anything when it comes to buying your home, as you will not settle for a home that, you will find out in the future, is too expensive for what you can afford.

Using a good mortgage calculator is also something that you should do if you are thinking of buying a house, as when you do so, you can be sure that it will not at all be hard to make comparisons. For instance, people who are thinking of buying their own homes might be confused whether to get adjustable mortgage or fixed mortgage, not knowing how either will affect their earnings. You will be glad to know that when you start using a mortgage calculator, you can be sure that you will be able to find out how much each kind will affect your life and which one will be better, which will help you make the right direction.

One who uses a mortgage calculator will also be glad to know that when he or she does so, no difficulty of any kind will be experienced. If you are not an expert when it comes to using modern devices, you might hesitate at first before using a calculator, but you will be glad to know that when you start using it, it will be very easy to operate.

One who is able to find the best mortgage calculator, then, can be sure that when he or she does so, a lot of benefits can be gained.

Possible And Proven Benefits Of Cashew Nuts

November 6, 2018

Food

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Don’t you just love the crunchy and scrumptious taste of cashew nuts? For sure you do – right? Do you know their daily consumption can heal a number of health problems? Yes, you heard that right; cashew nuts are loaded with antioxidants, minerals, vitamins and other nutrients that are essential for the smooth functioning of all the body functions. If you are one of the folks off the boat and not aware of the benefits of eating them, here we jotted down some points that make you fall in love with its taste and health benefits. So, roll down and have a look.

  • Reduce Risk Of Getting Heart Diseases: Yes, cashews contain so many nutrients that reduce bad cholesterol from the body and prevent a number of heart diseases. Thus, their inclusion in your diet in healthy amount ensures your good health and prevents a number of heart issues.
  • Minimize Your Risk Of Getting Diabetes: Cashews contain no bad cholesterol and very low amount of sugar, which make them a healthy option to have. These are not only ideal to reduce the risk of a person get type 2 diabetes, but also safe for the diabetic patient.
  • Reduce Risk Of Anemia: Iron deficiency leads to anemia and if you are going through it, you should incorporate cashews into your diet plan, as they are the rich source of iron that prevents anemia. Make sure you consult your doctor before adding their healthy amount in your diet.
  • Boost Up Immune System: Cashews are loaded with zinc that ensures the strengthening of the immune system, which heals wounds and fights several health diseases. Consuming their healthy quantity is important for the pregnant women, as they ensure the growth of the baby inside the womb.
  • Keep Your Eyes Protected: Cashews contain an antioxidant known as Zea Xanthin, which plays a major role in keeping our eyes protected and vision strong. Their daily consumption also gives protection to the eyes from the harmful UV rays.

These were some of the benefits of consuming cashew daily, the list doesn’t end here, there are plenty other benefits of these nuts. Apart from the above benefits, they also aid in managing a proper body weight by keeping you full for a longer period and by reducing your craving for unhealthy snacks. To reap all their benefits, limit their quantity and binge on only healthy option. To buy healthy nuts, always consult Cashew Manufacturers, so, you will get best possible quality at the most reasonable price.

Choose Natural Mineral Water- Choose Your Health

November 6, 2018

Food

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If not now, then when? It’s high time to take steps towards controlling pollution affecting our health and day to day life. Even the air is polluted and harmful for human beings.

Many of us choose money over health, we give more importance to professional life rather than healthy lifestyle. Staying hydrated is important for overall health, just the proportionate consumption of natural mineral water on daily basis will be advantageous for good health.

Opt Nature for Well-Being

Let’s see, why we should choose **natural mineral water** for **being healthy**?
Today’s reality, we run after wealth and then spend wealth on our health. Due to our busy life we neglect our health and well being, resulting in serious health issues.

Give highest priority to **healthy lifestyle**, for which healthy consumption is the base. According to doctors, in comparison to food, the human body easily consumes water and boosts the immune system. Your better beverages choice matters a lot and can help in achieving the “healthy you” goal.

Prevailing Reasons to choose Natural Mineral Water

1. Natural Minerals – Natural minerals are more superior in comparison to supplementary minerals added in packaged drinking water to beef up the immunity of your body.

2. Untouched Filtration- Each drop of natural mineral water undergoes rock layers and sacred aquifers for filtration, the nature acts as filters and keeps the water bacteria free.

3. Healthy Body – Consume natural mineral water more to keep your body healthy and hydrated, as two third of human body is made up of water.

Why people choose Mountain Water

Mountains, the origin of fresh natural water for mankind, are often defined as water towers of the world. Mountain water is the most preferred water for healthy life style, because of equilibrium mixture of rich natural minerals. The Sahyadri Mountain or The Western Ghats is the pride of India’s natural environment and known as the monsoon peak of rich natural mineral water. **[Komin Natural Mineral Water](https://www.kominwater.com)** is naturally poured from Sahyadri Mountains, purified through sacred aquifer natural filter and bottled at source of origin of natural minerals.

Surprising Health Benefits of Natural Mineral Water

Yes, natural mineral water is beneficial for healthy life style, owing to the presence of rich natural minerals.

1.Rich Source of Calcium – Natural Mineral Water, an effective source of calcium, contains the definite amount of calcium. World Health Organization documented a report on presence of calcium in natural mineral water, helps in strengthening bones.

2. Full of Minerals– Abundant amount of health beneficial minerals makes Natural Mineral Water more valuable and lucrative. Komin Natural Mineral Water contains the special natural minerals beneficial for health such as **Calcium (for bone health), Magnesium (for Heart health), Zinc (for Immune System), Potassium (for Nerve Function), Iron (for Blood circulation and hemoglobin), Electrolytes, Perfectly balanced pH level and Alkaline**.

3. Proper Hydration – Natural mineral water keeps your body hydrated because of the balanced volume of electrolytes, alkaline and ph level. So stay hydrated by drinking 8 glasses of natural mineral water daily.

4. Detoxification – Natural Mineral Water aids in detoxifying all the harmful substances by impelling urination and eliminates unwanted fats, toxins and salts from body. This results in good kidney health.

5. Restores Electrolytes – Whenever we sweat, get rid of body’s heat and end up losing some amount of minerals like sodium, calcium, iron, potassium and many more in the form of water. The lost electrolytes can be replenished and balanced by consuming required quantity of natural mineral water.

6. Low Sodium – Low content of sodium in natural mineral water with balanced amount of mineral salts aids in balancing blood pressure and neuron function.

Conclusion

Considering the above prevailing and health favorable reasons of Natural Mineral Water, one can choose it with the clear picture to maintain the healthy life style.

10 Drinks to avoid when you’re 40

November 6, 2018

Food

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Life begins at 40 they say, and so does some health problems. If you are not careful, that is. More often than not, people have the tendency to undervalue the things that they drink. But calories from a drink can easily blow up your waistline. Here are 10 drinks you should try to cut back or avoid totally when you reach the big 4-0.

Store-bought coconut water. Fresh coconut water is fine. It’s packed with nutrients and electrolytes. But the store-bought ones are generally filled with sweeteners and other preservatives.

Drinkable yogurt. Yogurt, especially Greek yogurt, is a healthy way to get good bacteria and protein into your body. A good food to help trim the waistline. But drinkable yogurt? They’re full of calories and sugars.

Root beer floats. The perennial favorite in diners and even birthday parties, root beer floats conquer memories when you were a kid. Problem is, your body can pretty much burn anything when you were a kid. In your 40s, the combo of root beer soda and ice cream is just a sugar and calorie bomb waiting to explode inside you.

Slimming teas. Let’s say you’ve packed on the pounds and you want a quick weight loss fix. You buy slimming teas. So you can just drink those pounds away, right? Bad idea. Slimming teas have a laxative effect. Which means all the nutrients, vitamins and minerals in your body, instead of being absorbed by your intestines will be literally flushed down the toilet. Instead, drink green tea. Lots of antioxidants and helps speed up your metabolism.

Powdered drinks. Whether its juice or tea, if it’s from a powdered source, most likely, they’re packed with sugars. If you’re looking for a better alternative, squeeze fresh juice or put some ice and honey in your tea.

Energy Drinks. When the work pile is higher than your salary and you need that extra perk an energy drink seems like a natural go-to drink. But that’s a really bad idea. While it’s true they can perk you up for several minutes, they can have you crashing for hours. Harmful chemicals, lots of sugar, awful taste and expensive price. Just say no to these drinks.

Sodas. Lots of acidity and sugar sodas are obviously bad for you. If you’re a regularly drinker, it can be difficult to go cold turkey. So ‘wean’ yourself by lowering your intake, switching to diet ones, and then forgetting about them altogether. If you’re to drink soda occasionally, try the diet ones. But do remember that even these type of sodas have their side effects.

Alcohol. Yes, you heard that right. Cut back on alcohol when you reach 40. Alcohol is high in calories. And regular in take may damage your now 40-year-old liver.

Vitamin-enhanced drinks. Yes, the drinks have ‘water’ in their name. But they also have tons of calories and all of them from sugar.

Fancy coffee drinks. Whether you’re in a fast-food chain or your favorite coffee place, to be perfectly fair, these drinks look appealing. Some even look like works of art. But they are packed with calories and sugar from the cream, sugar syrup or additional chocolate syrup and stuff. You can treat yourself occasionally, but it’s better if you go for plain coffee.

10 Delicious Grocery Store Wine and Cheese Pairings

November 6, 2018

Wine Spirits

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What’s not to love about wine and cheese? Both indulgent and ever-changing, wine and cheese is a preferred and enjoyable pre-meal activity for people of all classes, races, religions, and ethnicities. All over the world you will find various kinds of cheese and wines being produced, and with modern-day importing and exporting, we are lucky to have our pick of many right here in the United States. That’s not to say that local North American wines and cheeses are not worth the choosing. We are also benefited by local wineries and cheese farms that grace us with their passion for quality craftsmanship and value.

But you don’t have to be an enthusiast or connoisseur to create your own wine and cheese pairings at home. Your local grocery store right around the corner is all you need to build the perfect charcuterie tray for your next night in. There are several quick and easy wine and cheese combinations you can go with to ensure you are coupling the right flavors and aromas for the perfect pairing experience. Below are ten examples of grocery store picks you can find at your local Kroger, Trader Joes, or Fresh Market locations.

Reds

When choosing a red wine, be sure to store it at 60 degrees Fahrenheit to allow the flavor to fully develop. And remove cheese trays from the refrigerator 30 to 40 minutes before serving to allow the cheeses to soften. Below are some easy red pairings to consider.

Cabernet Sauvignon:

  • SIMI Alexander Valley Cabernet Sauvignon 2013 – $20
  • Presidente Soft-Ripened Brie Cheese – $6

Merlot:

  • Beringer Merlot Founders’ Estate 2010 – $16
  • Tillamook Medium Sharp Cheddar Cheese – $5

Pinot Noir:

  • Francis Coppola Pinot Noir 2014 – $16
  • Red Apple Smoked Gruyere Cheese – $8

Chianti:

  • Castello Di Gabbiano Chianti 2014 – $11
  • Galbani Mozzarella Fresca Marinated – $6

WhitesWhen choosing a white wine, be sure to store and serve at 45 degrees Fahrenheit for that perfect flavorful finish. And remember to remove the cheeses from the refrigerator prior to guests arriving. This will ensure every bite is gentle and pleasing. Below are some easy white pairings to consider.

Chardonnay:

  • Cupcake Vineyards Chardonnay 2014 – $8
  • Dofino Creamy Havarti – $6

White Zinfandel:

  • Barefoot White Zinfandel 2014 – $13
  • Boar’s Head Muenster Cheese – $4

Riesling:

  • Schmitt Sohne Riesling – $14
  • Castello Blue Cheese – $9

Sauvignon Blanc:

  • Yellow Tail Sauvignon Blanc 2014 – $15
  • Montchevre Chevre Goat Cheese – &5

Pinot Gris:

  • Chateau Ste Michelle Pinot Gris – $10
  • Private Selection Van Gogh Gouda Cheese – $7

Five Surprising Ways To Pair Craft Beer With Food

November 6, 2018

Wine Spirits

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As long as there has been a meal on the table, there has also been the need to have an accompanying beverage on hand. While the ins and outs of what is on the menu have changed over the course of time, right now, the hottest beverage around is craft beer. The small-batch, hand-crafted, detail-oriented world of craft beer has not only drawn many admirers of great beer, it has also piqued the interest of foodies the world over regarding the possible pairings that could be made with their favorite foods.

It’s easy to see why the idea of pairing a good craft beer with certain foods would be of intense interest. Think of craft beer in the same way you’d think of wine. In the same way that certain flavor notes in wine go really well with certain foods, so, too, does well-made beer.

Here are five beer and food pairings you should really take into consideration for your next get-together:

Golden Ale – These light ales are easy to drink and have a balanced taste, making them a perfect pairing with foods that are pretty familiar. Burgers, brats, and Mexican cuisine are safe bets for a killer beer/food combination.

Dark Red Ale – You’ve now moved into some more exotic flavors, but you’re still dealing with a mild, roasted flavor that has both a dose of American hops and Belgian yeast. This beer moves between flavors & styles, which would make it a nice choice when working with spicy foods and even tangy cheeses.

Chocolate-based Stout – A stout beer with chocolate notes is not about to be tame and somewhat subdued. You’re looking at a beer that aims to be noticed. A robust flavor from deeply roasted barley lingers, which goes really well with roasted foods (think root vegetables) and even desserts with more pronounced flavors.

Wit – A Belgian-style wheat beer, a wit is subtle in its spices and its citrus base allows for a refreshing citrus profile to emerge. This is the type of beer that many people wish they had discovered years before because it carries all of the flavor profiles of great beer with a certain “lightness” that makes it easy to enjoy. It goes great with vegetarian dishes, light soups, seafood, and sushi.

American IPA – American IPA combines malt, citrus, and the floral notes of American hops, balancing flavors that figuratively set your taste buds on fire. That said, you have quite an interesting array of foods that can go with this particular beverage. Spicy dishes from all corners of the globe are fair game, as are more tried-and-true snacks like salty & fried foods more familiar to your average beer drinker. Curries are also a very worthwhile option.

Craft beer, much like modern art, can be daunting to the person who is not so sure stepping away from their usual adult beverage of choice is the best idea. However, when you realize how much fun it can be to explore the cuisine of the world with a frosty drink in hand, you might just wish you’d discovered craft beer earlier. So, indulge in the goodness (and plentiful options) that is craft beer, and enjoy your next meal with a cold one.

Gluten Free Appetizers

November 6, 2018

Desserts

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If you are having a party there is no reason that you cannot indulge in the appetizers that you have created for your other guests, as there are many great tasting appetizers you can fix. Gluten is the protein found in spelt, barley, and wheat, which people who have celiac disease cannot tolerate. These appetizers are naturally gluten-free. One example of a gluten free appetizer is a mini-egg frittatas that are made with minced vegetables, bacon bits, and cheese. When you use crackers to put appetizers on read the ingredients to make sure that they are made using rice flour. These crackers can be wheat or cheese flavored. Before making the appetizers, use a recipe book that contains only gluten free recipes because with other recipes you will have to read them carefully to make sure that they do not contain ingredients like wheat.

Fruit and cheese plate

This is a simple appetizer and can be served with a fruit dip that is cream cheese based to add a little more sweetness to the fruit appetizers. It is best that you make your own because the ones in the store could contain ingredients that are wheat-based. You could also make a caramel-based fruit dip but do not buy it in the store ready-made because the caramel color could be wheat based. Homemade caramel is gluten free naturally.

Other simple gluten free appetizers

• Shrimp with homemade cocktail sauce of horseradish and ketchup
• Tortilla chips with fresh guacamole and tomato salsa
• Vegetable sticks with hummus
• Asparagus spears that are wrapped in prosciutto, which is a thinly sliced, uncooked Italian dry-cured ham. All you need to do is warm it in the oven.
• For a spicy appetizer make buffalo chicken wings with a hot sauce dip you make yourself
• Using slice turkey and cream cheese, put them on a romaine lettuce left and make roll-offs. If they are too big you can cut them in two or three pieces and secure them using toothpicks
• Cheese and dips served with bread
• Brie cheese on baguette slices that are toasted

Appetizer ingredients to avoid

Some ingredients should be avoided when making appetizers that are gluten free because they can be manufactured with wheat.

• Barbeque and Worcestershire sauce because of the caramel coloring
• Soy sauce unless it is certified as being one

One important thing to note is that if you decide to make appetizers that are not gluten free and some that are, do not use the same utensils for both appetizers because there is a risk of cross-contamination. To help avoid this make the gluten free appetizers first and mark them as such.

Strawberry Fields Forever

November 6, 2018

Desserts

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Strawberries grew wild for centuries and were enjoyed by many Europeans, although much smaller in size than we have now. But they first became cultivated in France in the 1750s (leave it to those French). Like so many other fruits valued originally as medicinal and mentioned in ancient Roman writings, they are depicted in oil paintings during the 15th century by Renaissance artists (a little snacking on the side, perhaps?). Seems they were consumed as a panacea to depression (who can feel blue when you have sweet berries to nosh on?).

Gathered in the woods by early colonists, foodie president Thomas Jefferson experimented with different varieties in his vast gardens as early as 1789, serving them up at grand dinners to the delight of his guests. His frustration was the small size at that time, still a strain of the Alpine variety which he brought home from France. Fortunately, horticulturists and growers continued to work on producing a larger size and of course were eventually successful.

But Americans are not the only country which cherishes this delightful red fruit. They are a tradition at England’s Wimbledon annual tennis tournament, served with cream. In Italy, strawberries are a favorite gelato flavor. The Greeks like to dip them in sugar, then roll them in brandy. Japan still experiments with dozens of varieties, which were originally very expensive and available only for royalty. During the 1930s, their production was increased dramatically, and they now rank as one of the top growers in the world.

Needless to say, America’s love affair with the strawberry is legendary, as we far surpass any other country in production and usage, cranking out 1.5 million tons a year, a third of the entire world’s production. Translating into just over 9 pounds per American in consumption, here’s what tops the U.S. hit parade:

Jam – America’s favorite flavor

Shortcake – with biscuits or sponge cake, topped with whipped cream, a classic

Pie – either fresh (with a sugar glaze) or baked, often with rhubarb

Ice cream – in popular Neapolitan (with chocolate and vanilla) or by itself

Yogurt – fruit on the bottom or blended

Smoothies – blended and flavorful

Pairs well with bananas

Fresh – by themselves, sliced and sugared or as a topping

Chocolate-covered – a candy and fruit in one

Sliced – on breakfast cereal and pancakes

Hardy and easy to grow, the plants also make an attractive ground cover, although local critters like to sneak into backyards and devour the fruit when the coast is clear. They also freeze well and can be enjoyed year-round.

If you are fortunate to live in a region where strawberries are grown, an enjoyable outing is visiting a “pick your own” field, even though it’s tiring under a hot sun and puts a strain on the back, worth doing once (and all you can eat in the process). So make it a point to pick up a quart or two on your next visit to the local supermarket or farmers market. The best ones are fresh, ripe and flavorful.

3 Guilt-Free Desserts For A Healthier Lifestyle

November 6, 2018

Desserts

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Congratulations on your healthier new lifestyle! Plenty of things will change, including your diet. But don’t worry, nobody said that you can’t have your sugar fix when you crave for it! Although you have to be more careful with the ingredients of your desserts, it doesn’t mean that the delicious taste will be compromised!

Try these 3 guilt-free desserts that are incredibly mouth-watering:

Apple Extravaganza

What you need:

  • 2 apples, sliced into skinny wedges
  • 1 lemon, juiced
  • 2 tablespoons chocolate chips, divided
  • 2 tablespoons chopped pecans
  • 1 tablespoon peanut butter
  • 4 teaspoons coconut oil, divided
  • 1 teaspoon finely shredded coconut

Mix together 1 tablespoon chocolate chips and 2 teaspoons coconut oil in a microwave-safe bowl and heat in the microwave until melted. In a separate bowl, combine peanut butter and remaining coconut oil and heat in the microwave until melted. Arrange apple wedges on a plate and sprinkle with lemon juice. Pour chocolate mixture followed by peanut butter mixture. Top with remaining chocolate chips, pecans and coconut.Gluten-Free Choco Avocado Brownies

What you need:

  • 2 large avocados
  • 3 eggs
  • 1 cup coconut sugar
  • 1/2 cup cocoa powder
  • 1/2 cup chocolate chips
  • 1/2 cup brown rice flour
  • 1/2 teaspoon baking soda

Scoop out the flesh of the 2 avocados and place in a food processor. Add the coconut sugar and cocoa powder to the blender and blend until smooth. Add the eggs, brown rice flour and baking soda and continue processing just until eggs are well-combined with the mixture. Carefully fold in chocolate chips. Pour the batter in a greased 8×8 inches brownie pan. Bake in a pre-heated oven (350F) for 15 minutes. Allow to cool completely before slicing and serving.Dark Chocolate Chewy Cookies

What you need:

  • 2 eggs
  • 10 pcs. dried dates, boiled
  • 2 cups almond butter
  • 1/2 cup dark chocolate chips
  • 2 tablespoons water
  • 2 teaspoons vanilla extract
  • 1/2 teaspoons baking powder
  • 1/4 teaspoon sea salt

Combine softened dates, water and sea salt in a food processor and pulse until coarsely ground. Add almond butter, vanilla extract and baking powder to the food processor and blend until smooth. Stir in (by hand) the chocolate chips. Form mixture into balls and arrange on greased baking sheets. Bake in a pre-heated oven (350F) for 8 to 10 minutes. Allow to cool for several minutes in a cooling rack before serving.Satisfy your sweet tooth without feeling guilty – try these delicious guilt-free desserts!

Radiation Levels in Redmond Real Salt

November 5, 2018

Nutrition

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The question came up as to the safety of the salt we eat. Is there any chance of radiation contamination? Lets investigate Redmond Real Salt and see what the chances are of radiation contamination. We use this tasty organic salt everyday, and the company is literally right down the street, so I thought I would look into the matter.

Real Salt is mined by Redmond Trading in Southern Utah, and the product is organic sea salt. The salt comes from an old lake known as Lake Bonneville. Before any history was written this organic salt was formed. Real Salt is all natural, unlike the table salt we are used to. Real Salt is not refined in any way, it is just ground up and packaged just a natural salt was meant to be.

We have to look at the Nevada nuclear testing grounds and see if this would have any effect on our savory product. Two counties in Utah had some significant radiation fallout from the Nevada testing center. Further investigation shows that the Real Salt mine is approximately 125 miles away from the two counties in Utah that were effected, and approximately 300 miles away from the Nevada testing ground itself. the National Cancer Institute regards this as a safe distance and would not consider this hazardous.

300 feet below the surface is where the salt is located at the Redmond mining location. Shielding is extremely adequate from radiation fallout for our Real Salt. According to experts, levels of radiation are cut by 50% with only 3.6 inches of earth. Simple mathematics reveal that the radiation levels would be reduced by 50%, 83 times.

Time would be a function of radiation depreciation. Scientists use a 7-10 rule that reveals gamm radiation retains ten percent of its exposure after 7 times the length in time occurs. After 7 hours, ninty percent of the radiation would be gone, and after an additional 2 days the remaining ten percent is almost entirely gone. The last Nevada test was completed over 50 years ago.

Redmond Real Salt and it’s radiation exposure would have been very minimal, if at all. It would be nice if we could be 300 feet underground and 300 miles away of any nuclear explosion. Concerned with safety, Redmond did some evaluation testing on their real salt. Positive for radiation is what the test showed. It would take 8 pounds of Real Salt to equal the amount of radiation forund ion one quart of clean tap water. Conclusive evidence. Our experimental investigations of Real Salt conclude that it is safe.