A Time Line To Create Wealth

A Time Line To Create Wealth

PALOS VERDES, CA- Our investment philosophy is based on an individual’s chronological time line, which consists of three periods: (1) asset accumulation, (2) wealth building, and (3) asset conservation and how they are used to create wealth
The Playing Field is not level

 

The financial journey through life’s time line starts at different levels, depending on whether you were born with a plastic or a silver spoon in your mouth. As you travel through your time line, your in-vestment options change. Knowing where you are and what options are available will help you make the right choices.

A Winning Financial Plan up to Age 35 A Time Line To Create Wealth

The first chronological period of your life—mid-twenties to mid-thirties—should be devoted to accumulating assets and acquiring basic necessities. When you’re just starting out, your assets are usually limited and the major portion of your income goes for the basic needs—food, clothing, and shelter.

This is the time to save, save, save! Amass as many investment dollars as possible. Your approach to investing during this period should be through tax-deferred plans at work or Individual Retirement Accounts (IRAs). Your degree of risk should be moderate. Investments included in this category are high quality corporate bonds, blue chip stocks, and growth-oriented no-load mutual funds.

Every effort should be made to purchase a home now. The advantages, from tax savings and equity buildup, historically outweigh the short-term benefits of lower monthly rent payments.

Be careful when sheltering yourself and your family from liability. Only pay for protection when you’re purchasing life insurance. Purchase whole life insurance if it will yield a higher rate of return than other investments. After reading the chapter on asset protection, you might seriously consider reducing your liability coverage.

Remember, your main financial goal during this time is tax-deferred accumulation of capital. Don’t take risks with your investments. Save as much as you can so that when you enter the next phase of the time line you’ll be ready to move forward. A Time Line To Create Wealth

Investing between the Ages of 35 and 50

After earnings have increased, assets have been accumulated, and necessities are under control, it’s time to move on. Ready or not, you must face the challenges during this aggressive investment period of your life, when you are between your mid-thirties and early fifties.

The Best Financial Plan for You

Your best financial plan is to create the maximum wealth during this aggressive investment period of your life. Build financial security yourself. Don’t rely on others to do it for you. Many people who relied on major banks and insurance companies for financial security ended up short when these institutions failed. The social security system will not do much better.

You should be careful not to over diversify your assets or adopt a “hold-back” attitude. You must concentrate your assets into one or two aggressive investments rather than spreading them out. Diversification often leads to ineffectiveness.

What if you fail during this period? What is your down side? If you consider your ability to bounce back because of your age, the political influence of your generation, taxes, and inflation, the real risk is minimized. Make your aggressive investments now. As you get older, your ability to rebound declines. If you do not try at this stage in your in-vestment time line, you probably will never do it, and more importantly, you will never know whether you could have made it.

Control Risks A Time Line To Create Wealth

Becoming wealthy requires taking “controlled” risks. If anyone tells you that they became wealthy without taking any risks, they inherited wealth or they won the lottery. Years ago, I discovered that real estate was the best investment to control risk and to create wealth. The Real Estate Digest reports that seven out of ten millionaires made their money in real estate, and Forbes Magazine states that there is a three times greater chance of becoming wealthy through real estate than with any other type of investment.

Real estate allows you to control your risk because you can actively participate in the decision-making process. Passive investments such as stocks don’t give you this opportunity. Movements in real estate values are less erratic than in the stock market. Most people don’t understand the economic forces influencing the market. Since real estate is less volatile, it’s easier to control and to understand. Real estate is tangible. You can touch it, you’ve been exposed to it all your life, and you can identify with it. As a result of this familiarity, you are better able to understand it.

Crazy Family Fun in Chamonix

Crazy Family Fun in Chamonix

Chamonix is known as one of the best skiing areas in the world – and rightly so! It has a wide-ranging array of pistes that the whole family can enjoy together. From nursery slopes for your little ones to advanced, adrenaline-fuelled pistes for adults and teenagers, Chamonix has something special for everyone.
In addition to skiing, there are many other fun-filled and family-friendly activities that’ll make your ski holiday an exciting adventure that the kids will never forget.

 

Dog Sledding

Are your kids big fans of puppers and woofers? Then you’ll definitely see their eyes light up when you take them dog sledding.

Bred from wolf and domestic dog (usually husky) crosses, these friendly animals love to pull sleds, and they’re so elegant that it makes for a really smooth ride. What’s more, these animals are super affectionate, and you’ll probably find you want one as a pet if you treat the family to a dog sledding experience! This activity is increasingly popular, so make sure to book in advance to avoid disappointment.

Paragliding

How does soaring through the snowy peaks of the Alps sound?

Thanks to its glaciers, rugged peaks and eagles, Chamonix is known as the Mecca of mountain flying. Even beginners can enjoy a huge adrenaline rush and amazing flights with very high levels of safety, as the gear is really advanced. If you don’t want to take lessons, tandem flying is also is an option – you’ll take to the skies with an experienced pilot, who will introduce you to the sights that this stunning region has to offer.

Snowshoeing

This is a wonderful way for the whole family to experience the region’s alpine beauty. Snowshoeing takes you away from the over-crowded slopes to the snowy mountains, where you can see deer, foxes and hares in their natural habitat. Why not venture onto glacial terrain for something a little more exciting? Or how about leaving the kids with a child minder and enjoying a moonlit snowshoeing adventure?

Ice Skating

The Richard Bozon Sports Centre boasts an Olympic-sized indoor ice rink, as well as a smaller outdoor rink that’s only a short walk away from the town centre. Give this fun winter sport a whirl, or pop by for the local teams’ ice hockey matches, cheering them on as they play a home game.

How to Get There

Many budget airlines offer several flights every day from the UK to Geneva, with a flight time of only 90 minutes from London. Getting to Chamonix from Geneva couldn’t be easier – simply book a transfer with Shuttle Direct for a quick and easy journey to your accommodation in Chamonix. From Geneva, the transfer only takes about an hour, so you’ll be out on the slopes with the family in no time!

A Wild Walker Winter Come True Dream!

A Wild Walker Winter Come True Dream!

Winter sports fanatics can quickly become exhausted with the normal activities on offer. For those who crave a call that is really exciting and close to nature, leave skiing in this winter chalet. Walking on the ice and the thrill of every crunch under your feet on the glacier should be the next winter adventure. Glued to the screen at the end of your seat, you have watched a documentary about people climbing the ice, so now is the time to bring the sensation to yourself: try climbing the glacier for a unique experience that has additional benefits. takes place amid some of nature’s most beautiful natural sites. A Wild Walker Winter Come True Dream!
Franz Josef Glacier, New Zealand

The world-famous glacier is only accessible by helicopter, so all the ducks lined up to visit here to be one of the most amazing trips to mark your bucket travel list. Thisglacier continues to move, so the surging streams and floods and falling ice and rock slides are not uncommon. Be sure to check accessibility before you make your way there. But once you’re out there on the ice surrounded by a network of ice niches, blue ice and ice caves, you’ll be burdened by your own sincere feelings in the face of this big and powerful glacier. A Wild Walker Winter Come True Dream!

Chadar Trek, Ladakh, India

This lifelong Indian adventure is a challenge for those who like their difficult treks. The 100km-long 9-12 day journey has a ‘tough’ rating and not for a weak person. You will walk on the frozen Zanskar River, and may even be able to see the icy cold water pouring beneath the ice-frosted layer like the glass where you stand. This is truly an unending adventure: you will be camping in caves along the way and carrying all your own gear. It really is a baptism of fire (or ice!).

Maligne Canyon Icewalk, Canada

If you’d rather have more ice decomposing than plunging into Chadar Trek, then this two hour icewalk complies with the doctor’s orders. High-quality equipment including necessary boots and ice is offered on-site, so you are free to explore frozen waterfalls, towering ice pillars and underground caves in Maligne Canyon Icewalk safely.

Glacier gray, china

Chilean patagonia is bound to make this list, and Gray Glacier is often regarded as the eighth wonder of the world. The glacier itself and surrounding area is very beautiful. There are a number of hiking routes with varying degrees of difficulty leading to the glacier, with some very challenging treks offered for the toughest explorer out there! Strong winds, freezing temperatures and terrain that try to beat you before you even make it to the ice run, but still survive. The mesmerizingly beautiful landscape at the end is more than worth it. A Wild Walker Winter Come True Dream!

Insurance against Use and Tears …

If you have your sights on ice hiking at this destination or elsewhere, you will need winter travel insurance. While the most common policies can be expensive and limiting, there are renowned winter holiday insurance providers such as Let’s Go Insure that offer affordable rates for ice trekking and related activities. With the right insurance rates, even the most famous powdered dog and sensual seeker hunter can go through their own winter wonderland scenario with peace of mind. A Wild Walker Winter Come True Dream!

Ethan Bailey is an experienced adventure traveler and insurance expert with Let’s Go Insure team. Ethan’s spirit is to inspire his clients to go further, deeper and higher on their journey and his expertise in providing ideal insurance allows them to do just that. If you are looking for the best winter sports insurance Let’s Go works with the most experienced underwriters, intermediaries and insurers to offer competitive insurance without sacrificing protection.

The role of Adjustment of Insurance in Personal Injury Cases

The role of Adjustment of Insurance in Personal Injury Cases

The Texas insurance helper, also known as the assessor, will be responsible for evaluating and resolving claims; they act as an intermediary between the insurance company and the person who filed the complaint. They will let you focus on other things that are more important than worrying about workers’ compensation issues. Once the claim is made, the work of the San Antonia general adjuster begins. They will start by visiting the scene or accident so they can gather as much information as possible in addition to taking pictures if needed. Many times the people who make claims are unaware of their closing limits and the public adjuster will take the time to explain them to them with the ultimate goal of resolving the conflict in the shortest possible time. The role of Adjustment of Insurance in Personal Injury Cases

After the Texas insurance adjusters collect all the necessary information, they will usually present the case to the insurance company. They will give an estimate of what they feel that the individual who filed the complaint needs to be paid and the reporter will then get communication about the offer made by the insurance company. If in any case there is an argument, the insurance adjuster becomes an intermediary between the individual and the company. All these steps are usually done to avoid problems in taking longer and more expensive legal channels.

It seems as if the car claim is usually the quickest and easiest to complete using this route because in many cases, the evidence is always available and its value is almost always not debated. Accident claims are a completely different matter; In this case, the insurance adjuster should try to consider the injured person and they want to act in accordance with the company; This is an important role that ensures that insurance companies do not become bankrupt from the burden of compensation claims. The role of Adjustment of Insurance in Personal Injury Cases

If a peace agreement is reached, the insurance adjuster will ensure that the final agreement is made and the case is immediately closed. The insurer also ensures that they have a clear understanding of all future legal issues that may arise; they will make sure that they close every gap in order not to happen that way. Property damage claims and other claims are settled more quickly when you have an insurance adjuster; Anyone who has no idea of ​​how to file a claim will not give you the desired end result in a timely manner. The insurance adjustment ensures that the problem is resolved quickly and the settlement is fair for both the plaintiff and the company. The role of Adjustment of Insurance in Personal Injury Cases

Go with Snow: Plan a Successful Ski School Trip

Go with Snow: Plan a Successful Ski School Trip

A successful school ski trip does not just happen. Every teacher who takes on the task knows that it takes planning and commitment to make sure everyone has a good time with snow! Success lies in the shoulders of those charged with the organization and, in order to make the schedule run smoothly and also offer an interesting prospect, the devil is very clear in the details.
Experts recommend early and systematic approaches to facilitate the logistics of school ski trips, to ensure that the slippery slope of the organization is navigable with ease. Go with Snow: Plan a Successful Ski School Trip

Setting a Budget

Setting a budget is very important to create a travel plan framework, and almost all other aspects depend on it. Working backwards is a very easy way to determine the right budget: how many parents or guardians are in a position to spend time on their child’s journey? This of course will depend on the demographic and water catchment areas of the school, but has a realistic figure to work in the most accurate way of managing costs from the start. Once the budget is set, it’s also a good idea to consult a Senior Leadership Team as they may be able to share valuable past experiences and suggestions. Go with Snow: Plan a Successful Ski School Trip

Get Students Involved

Involving students in the early stages of planning is a sure way to generate enthusiasm, but keeping them in the lead until departure can be a challenge in itself. Keep up-to-date with the conditions and facilities of the resort (both above and beyond the snow), show local videos and pictures, create regular social media posts during countdown (if any school guidelines), or make a PowerPoint presentation to give a detailed description of the resort and activities. And go heavy on the fun aspect!

Keep Everyone in the Circle

As registrations start rolling, it is very important that students, colleagues, parents or guardians are kept informed. Nightlife hosting information is an excellent tactic to ensure the lines of communication are opened, as well as the right moment to show presentations and travel.

Help list

It is undeniable that planning a school ski trip is a time-consuming exercise even for the most organized teacher; Signing up for help from a dedicated tour operator is one way to make life easier. Not only can they ease the pressure by making practical use of travel, transportation and accommodation, they also have the skills and resources to manage budget and administration tasks.

John Gardiner is Managing Director of The School Travel Company, a tour operator specializing in school ski trips and educational tours for school and youth groups to the UK, Europe and beyond. As a father and avid traveler, John is keen to provide students with a valuable and exciting learning experience outside the classroom. By sharing expert advice with teachers, he allows them to inspire their students and continue their studies into life. Go with Snow: Plan a Successful Ski School Trip

What to Expect When Cruising the River Moselle

What to Expect When Cruising the River Moselle

Renowned as one of the most picturesque rivers the world, the Moselle stretches for a languid 340 miles from the Vosges Mountains of France to flow into the Rhine in Germany. Various sections have become extremely popular with barge holiday operators, not just for the magnificent scenery encountered along the way, but also for the many historical attractions and, of course, the wine.
The Route of the Moselle

 

From its elevated source at Ballon d’Alsace, the river passes through the spectacularly beautiful and historically significant French landscape of Lorraine, before forming part of the border of Luxembourg and Germany. On its path it takes in countless small towns, Alpine villages and wine-growing regions. Some of the more industrialised sections of the Moselle Valley are also used for transporting goods on large cargo ships. The river joins the Rhine at Koblenz, as its longest tributary. Since it was made entirely navigable in 1964, the river has become a very busy waterway, encompassing 14 locks and a dedicated shipping channel. As well as barge holiday operators, the traffic comprises large numbers of private vessels and commercial and cargo ships.

Attractions en Route

For those on a barge holiday, whatever section of the Moselle makes up the itinerary there are countless attractions to see from the water and on shore excursions. One of the most enchanting is Burg Eltz, a real-life fairytale castle set in its own lush forest. The medieval castle is immaculately preserved, having been in one family for more than 850 years. The interiors are bedecked with original tapestries, furnishings and artworks that have been curated with such attention and care they look like the centuries have simply passed them by. Set upon the peak of a huge craggy rock, Burg Eltz epitomises the concept of a fairytale castle.

For those passing through Trier (close to Luxembourg), exploring the Roman ruins of the oldest city in Germany is a must. Founded in 16 BC by the infamous Augustus, Trier was a vital trade and financial hub for the Roman Empire for more than four centuries. Today one can walk around its many archaeological attractions and take in sites like the Porta Nigra, the Hauptmarkt and the city’s most iconic landmark, the magnificent UNESCO-listed Trierer Dom – the oldest cathedral in Germany. The city is also famous for a very different reason as the birthplace of philosopher Karl Marx.

Fine Wine

It’s not for nothing that wine is one of the most popular themes for barge holiday itineraries in this region of Germany and Luxembourg. The Moselle Valley is renowned for some of the world’s finest Rieslings, which make up around 60% of its total production. The region provides the perfect conditions for this famous grape, with records indicating that it has been grown there since 1435. The Riesling has a distinct colour and flavour that aficionados attribute to its high acidity, and it has the ability to age well up to 40 years.

For history, scenery and the opportunity to immerse yourself in one of the most acclaimed wine regions in the world, cruising along the beautiful River Moselle is invariably a most memorable and enjoyable experience for travellers of any age.

Paul Newman is the Marketing and E-Systems Executive for European Waterways, the UK’s most respected provider of all-inclusive, luxury barge holiday itineraries. Part of a team of experienced barging aficionados, Paul is first in line to endorse the perks of a slow-paced barge cruise to anyone looking for a unique holiday experience.

Flying Solo Taking Personal Health Insurance

Flying Solo Taking Personal Health Insurance

To date, most people have health insurance through their employers. Their company works to choose the provider and the set of options within the company, and that is given to their employees. Fewer people have group coverage today due to economic reasons and health care costs and improved medical procedures. As more companies cut their health care programs, more people are discovering their own individual health insurance plans. Although it takes a little time and research, there are many advantages to choosing your own plan. Flying Solo Taking Personal Health Insurance
Selection

Flying Solo Taking Personal Health Insurance

With an individual plan, you can choose the provider, options, and details that work best for you and your family. There are seemingly endless options offered by many organizations, and many people who may or may not qualify for a health insurance company are forced to find their own service provider that meets their needs.

Freedom

The ability to change plans and companies is important to many people, because trying different options may be part of the process of finding the right one. In addition, if you have your own health insurance, you do not have to worry about losing coverage if you change jobs or lose jobs. This allows you to choose a job based on your wants and goals, not on the benefits you receive. Flying Solo Taking Personal Health Insurance

Independence

When you go with group insurance, you allow your boss to have control over your health care choices. For example, many women want access to birth control but are under group insurance that does not cover birth control. With an individual plan, you can meet your coverage of your own values ​​and priorities.

Doctor

Many group plans only allow you to see a particular doctor; With individual coverage, you can see a doctor you trust and visit a hospital you already know.

Who Gets Individual Health Care?

As mentioned above, fewer entrepreneurs are currently offering group insurance than in the past. Traditionally, individual plans are reserved for people who are in the workplace, self-employed, refreshed from their parent’s coverage, or who only work for companies that do not offer coverage (whether or not they offer at all or are ineligible employees). Currently, the number of people working for the company without the coverage grows, so does the number of entrepreneurs.

Group health insurance generally has a partial or full benefit funded by your employer, but can keep you in an unsatisfactory job for fear of losing coverage and can also get you stuck in a situation that does not meet all your needs. Many people feel overwhelmed when presented with the various providers and plans that each offer. When considering moving to an individual plan, it may be worth trying to work with a local agent to find what suits your needs, both medically and financially. Flying Solo Taking Personal Health Insurance

4 Facts about the High Speed ​​Rail Linking Singapore and Malaysia

4 Facts about the High Speed ​​Rail Linking Singapore and Malaysia

Singapore and Malaysia are separated by a little over a kilometer based on the length of the Johor-Singapore Causeway which opened in 1923. In addition to the Causeway, residents from Malaysia and Singapore have many travel options to visit their neighboring countries. But what is so special about the relationship between these two countries?
Singapore was part of Malaysia for more than two years from 1963 to 1965. After the United Kingdom passed a 144-year decision in Singapore, the Federation of Malaysia was formed in conjunction with Singapore, North Kalimantan and Sarawak. However, racial tension becomes a genuine problem in Singapore. For two years, the problem escalated, and racial and curfew riots were common. 4 Facts about the High Speed ​​Rail Linking Singapore and Malaysia

Moreover, the government of the Federation of Malaysia is worried that as long as Singapore remains part of the Federation, there will be different views on racial harmony. There is a general feeling that Malays and natives in the Federation will be undermined. On August 7, 1965, Singapore officially decided from Malaysia.

Although leaving the Federation, it does not affect the relationship between the two countries. In fact, Malaysia is the largest trading partner in Singapore in 2012. To deepen relations between the two countries, the second relationship between Singapore and Malaysia officially opened on January 2, 1998. With a size of 1,920 meters, the second highway connects western Singapore in Tuas to the western part of Johor state at Broken Bracelet.

In 2007, the economic cooperation between Singapore and Malaysia moved a step closer to the establishment of Malaysia Malaysia Malaysia Joint Committee for Iskandar Malaysia. Iskandar Malaysia refers to the extensive development of Malaysia’s southern Malaysia. Its construction covers an area of ​​2,217 square kilometers consisting of the city of Johor Bahru, cities such as Pontian, Senai and Pasir Gudang. On February 19, 2013, leaders from Singapore and Malaysia signed an important agreement to build High Speed ​​Rail relations between Kuala Lumpur and Singapore to spearhead the development of Iskandar Malaysia.

Let’s look at four important facts from upcoming Rail High Speed:

1) The overall length of the High Speed ​​Rail is estimated to be 350 kilometers in size and will reduce travel time between Singapore to Kuala Lumpur to just 90 minutes.

2) There will be a total of 8 stations along High Speed ​​Rail with 7 stations in Malaysia and 1 station in Singapore. The station in Malaysia is Kuala Lumpur. Putrajaya, Seremban, Ayer Keroh, Muar, Batu Pahat and Iskandar Puteri. The station in Singapore will be on Jurong East.

3) There will be 3 immigration facilities located in Kuala Lumpur, Iskandar Puteri and Sngapore Jurong East. International passengers traveling at Rail High Speed ​​will clear both countries’ immigration at the same time. This should ensure a fast travel procedure for travelers.

4) This is the first High Rail Speed ​​in ASEAN (Association of Southeast Asian Nations) and hopefully there will be more projects connecting travelers with other ASEAN countries. 4 Facts about the High Speed ​​Rail Linking Singapore and Malaysia

Upgrade Your Pro Ski Gear in La Plagne

Upgrade Your Pro Ski Gear in La Plagne

No matter how up to date your ski gear is, there is always room to upgrade. If you are anything like me, then only the latest and best equipment will do, and you know that hav-ing the most current gear is a great way to optimise your performance on the slopes. It is also the best way to turn heads!
In my opinion, the best place to upgrade is always at a ski resort, instead of back home or online. La Plagne is an excellent place to do this, as there are many fully stocked shops. What’s more, it is also one of the best resorts for a holiday with superb skiing and the option of booking a luxury chalet. La Plagne is a much better place to upgrade than back home for the following four reasons:

 

1. Experts on Hand

For me, the primary reason for upgrading at the resort is that you can get the opinion of experts to find the best and latest gear that is right for you. It can be daunting to shop for skis, boots, helmets, clothing and other gear when there is so much variety. An expert will be able to guide you through what is available, and help you to find the right equipment for your age, gender, height, weight and personal preference.

2. Range

Another reason to buy at the resort is because of the wide range that’s available to you. Modern ski gear is catered to different terrains and personal tastes, so it is helpful to be in the store and browse a selection. This could be cross-country skis, race skis, mini skis, slope, all-mountain or another type.

3. Try Outs

A huge benefit of buying in La Plagne is that many places will allow you to try out the gear before making a purchase. You never really know how the equipment will perform until you are on the mountain, which is why buying at home is a huge gamble that may not pay off.

4. Shops

La Plagne has a selection of sports shops that are full of the latest gear and have friendly staff to assist you. Here are a few of the best!

Zig Zag – This is a very friendly sports store that’s run by the welcoming and helpful Yannick, who will happily spend time with you to find the right gear. This is very handy, as they have a huge selection of products, stocking all of the major brands like Stockli, Drake, Fisher and Northwave.

Elpro – There are four Elpro stores around the resort, so chances are there will be one close to your chalet. La Plagne’s most experienced skiers come here to shop, as the store always has the very latest equipment and offer everything that you need to hit the slopes in style.

Guidon Sports – Guidon Sports is a popular shop which is conveniently located right in the heart of La Plagne. Guidon also offers high-end clothing and ski equipment with the chance to make huge savings with the generous discounts usually on offer.

Belle Plagne Sports – Belle Plagne Sports renews their skis, snowboards, clothes, boots and accessories each year, so you will always find the latest here. There are three stores around the area, and each has equipment for all abilities. There are plenty of staff members on hand to offer sound advice.

La Plagne is a superb place to upgrade your gear, and it is also a great choice for skiing and relaxing. Thanks to the option of booking a luxury chalet, La Plagne attracts avid skiers from all around the world – so if you are looking to buy the latest gear, this is the best place to do so.

The Evolution of Cormoran Without Flight

The Evolution of Cormoran Without Flight

The animals of the Galapagos Islands are famous for some of the most unique in the world. With a high number of endemic species, wildlife vacations in the Galapagos offer nature lovers a glimpse of true evolutionary microcosms. Many species have adapted to this unique and remote environment by developing characteristics that enable them to survive in harsh and diverse conditions. Of all the species, though, few adapt to unusual ways like non-flying birds. The Evolution of Cormoran Without Flight
Flight cormoran

On his exploration of the archipelago, the naturalist Charles Darwin was fascinated by the discovery of a cormorant with wings so that it was not proportional to its size so it could not fly. At that time, Darwin was formulating his amazing theory of evolution and natural selection, and he believed that environmental change could result in the loss of birds’ ability to fly. In modern studies of bird DNA, scientists have discovered that, more than two million years ago, it also underwent genetic changes, resulting in a small wing that made it impossible to fly. The Evolution of Cormoran Without Flight

Story Two Halves

While Darwin observes that many evolutionary changes occur in the archipelago that can contribute to the process of natural selection of the species, scientists have gone a long way to deciphering changes in birds at the molecular level. The Evolution of Cormoran Without Flight

Characterized by its short, thin wings, this is the largest of all world cormorants, and the only one of 40 species that can not fly. However, this is a very strong swimmer, and capable of diving for fish. From his observation of this characteristic, Darwin hypothesized that, with the loss of flight, the bird had developed another skill that enabled it to survive – a process now known as positive selection.

Another possibility is that birds lose their ability to fly just because they have no predators to escape, and they do not need to migrate to breed. It is also possible that the change occurred as a result of a combination of these two reasons.

Through a project in which relationships are found between genetic changes in bird DNA and changes in the structure of certain proteins in the body, scientists identify the existence of a gene called CUX1. The gene structure in the cormoran from the archipelago is different from other species capable of flying, so scientists can conclude that its existence alters the function of certain proteins, which affect the size of the wings. They also found that bird DNA showed high mutations affecting the cilia, which play an important role in the development of skeletal and bone growth. The Evolution of Cormoran Without Flight

Research into whether genetic mutations of the non-operable cormorants shared by other non-flying birds is under way, but the same type of genetic change has been found to cause problems in the development of the human skeleton. Findings from the work of researchers with birds have the potential to lead to new treatments for serious bone disorders in humans.

Discover the unique Cormorent Flightless Cormorant on Holidays in the Galapagos

For those visiting the wildlife resort of Galapagos, more than 1,000 pairs of birds can be seen on the islands of Isabela and Fernandina. They can be observed diving for food around the ocean, using their muscular feet to push them down into the water. A growing (and increasing) population is a reminder that, as always, the Universe is full of surprises.