Salisbury NHS Foundation Trust Launches a Moisturising Cream That Benefits Everybody

(PRWEB UK) 25 April 2013

The cream was first used at Salisbury District Hospital over 20 years ago. It has proved so popular that it has now been renamed as My Trusty Little Sunflower Cream, repackaged in new attractive 100ml tubes and made available for general sale through a new website.

The cream is soothing and users have found it calming to use as a moisturiser on irritated or dry skin.

Malcolm Cassells Director of Finance and Procurement commented We are sure that people will find it a very attractive product for many reasons. The cream contains 5% pure sunflower oil and has no parabens. These are chemicals used as preservatives, and are man-made and not naturally occurring. The cream has not been tested on animals and comes in two varieties, unscented and a lavender scented cream.

The venture is one of the first of its kind within the NHS and profits made from the sale of the cream will go back to support patient care in the hospital.

More follows

It was over twenty years ago that pharmacists and clinical scientists in Salisbury developed a moisturising cream to help with post-operative skin care in burns and plastic surgery. The cream has been used on patients ever since in many clinical areas, and sold on-site to patients who asked for it to be made available after their discharge.

Last year the Trust decided to make the cream more available to the general public and My Trusty Little Sunflower Cream was born and now launched this year.

Malcolm Cassells said; "The launch of MyTrusty Little Sunflower Cream is another exciting opportunity for Salisbury District Hospital to share one of its innovations with a much wider population. We know the cream is really liked and is beneficial to patients and staff, so making this available to more people is great news. At the same time the income generated will be very helpful in supporting patient care in the hospital."

The cream costs

What is the New Best Fixed Income Investment for 2013? SAM Briefly Describes Their New and Improved 1st Trust Deed Investment Strategy

Orange County, California (PRWEB) April 17, 2013

Summerlin Asset Management, otherwise known as SAM, explains their new investment strategy and that when an investor combines the bond woes with the low yields in CDs and other fixed-income investments, many investors are left wondering where to turn. To better understand this, lets look back at 2012. Last year, which may prove to be the last decent year in bonds for quite a while, the iShares Aggregate Bond ETF (AGG) closed the year up a hair above four percent while Bill Gross flagship PIMCO fund (PTTRX) ended the year with a total return of four-point-two percent.

According to Kish North, the VP of Capital Markets for Irvine based Summerlin Asset Management, "1st Trust Deeds are yielding 10-14% with little risk to capital."

Are Trust Deeds safe? For more information visit: http://www.1sttrustdeedsforsale.com

With any fixed-income investment, the first issue is always safety of principal. A trust deed is secured by an actual property, so the value of the piece of real estate determines the level of risk in a trust deed. A first trust deed (the focus of this Press Release) is a primary loan secured to a specific property. Now that the nation has seen most (hopefully all) of the real estate decline, I believe the risk further decreases and that real estate values has eased to a point, stated Shannon Derosby of Summerlin Asset Management.

What to Look for in Trust Deeds

The key factor of a trust deed is the loan-to-value (LTV) ratio. The lower the LTV, the higher the level of security. Thus a trust deed secured by a property with a 40 percent LTV is considered far more secure than one at 75 percent LTV. An investor owns the actual title, so they may have a well-secured investment which can throw off a significant amount of income.

Today, SAM is seeing first trust deeds with LTVs between 50 and 60 percent, meaning the property in question would have to drop in value by half (from todays prices) for there to be risk due to the value. That is a level of decline which has almost never occurred in history. Then SAM adds in a second layer of protection which is called a Buyout Agreement. It is a contract whereby an investor can get their money back if the borrower defaults on their note. This is something unique and most trust deeds out there do not have this option, so the investor must ask for it. Adding a Buyout Agreement to an already safe trust deed makes it a perfect choice for those who are most concerned about safety of principal.

Based on the current lending and real estate environment, it is not unusual to find first trust deeds with yields of seven to 11 percent. Most 1st Trust Deed Investors earning 10 to 14 percent on what investors agreed was a very safe investment. Each trust deed is unique. Since each trust deed is a stand-alone investment, nothing can replace careful due diligence and research to understand the pros and cons of that specific trust deed.

One company leading the way in the 1st Trust Deed Investment space is Summerlin Asset Management. To learn more information contact Shannon Derosby at (855) 726-6683 or by visiting their website at http://www.investinsam.com