Why You Need to Have a Successful Home Based Business

Unless you are a butterfly who hasn’t been born yet or are a larva stuck in that cocoon you may have noticed a insurgence of people starting a successful home based business in the last few years. Coincidence? Why is this happening? If you look at the Internet you will find many reasons.Many people are now realizing (like many have for decades) that there is no security with a job anymore. Ask yourself this, do you know even one person who has lost their job in the last few years in this economy?So why should someone think outside the box and start a successful home based business? Well, there is a big difference having a home based business and running a successful home based business first of all, but you started one to become successful, right? Let me start by addressing the benefits of having a home based business first of all as compared to a w-2 employee.As a w-2 employee you do not get to write off your car mileage every day that you go to work but you can when you have your own business for business purposes. If you travel for your job you do not get to write that off on your taxes either, the company does. You can expense it, but not use it as a w-2 write off. If you are trying to have a successful home based business and have an office at home, you can write off your utility bills based on the square footage of the office space. You can write off supplies for your computer or printer needs, you can also write off your cell bill or internet service if you use those as a way to grow your business. Now, let me say I am not a tax advisor or CPA but when I do my taxes I have my schedule C all filled out with my operating expenses and it has consistently paid me between 8K and 10K dollars a year to have a home based business as compared to having a job and fighting that rat race as many people say on their commutes to work especially on a Monday morning. The many benefits go on and on. Ask your CPA or H and R block guy then next time you do them in a few months here upcoming.Ask your self this question why is the tax system set up differently for different people? Doesn’t it make sense to take advantage of something that can better yourself in the long run and set up a successful home based business. Most of these businesses you can start for less than one thousand dollars.Now, if you are looking at that and saying I don’t have an extra thousand dollars to invest in myself. Then look at what you are doing now and be honest with yourself. Is what you’re doing getting you ahead in life? If not then something has to change or you will always have what you got. Now think of where you work, was that company started with that little of money, odds are probably not. Not to mention all the governmental regulations that businesses have to comply with (not saying it’s all bad) but when I used to work for a governmental compliance company I would hear from a lot of small and medium sized traditional business owners that between workman’s compensation and insurance and rising rates it can be tough to compete with the competition due to the large amount of overhead and to bring in just enough to break even before they even begun to profit. Ask anyone who owns a brick and mortar business and has these issues.So overall it will pay you in the long run to start a successful home based business which is why so many people are getting involved in the network marketing field. In my opinion there is no better model to get all the benefits and advantages for owning your own life again and leave the cell when you’re in cubicle prison. (Sorry I used to be in several of those with my former jobs so I had to say it…big laugh). And one final thought with having a successful home based business. Robert Kiyosaki advises that you start something on your own so that you won’t be part of the middle class who will continue to be wiped out into poverty in this world over the next few decades.

Work at Home – Start Your Own Home Based Business

If you’re looking to work at home to make some extra cash or as a full time job then starting a home based business is what you need to do. Starting a home based business has many advantages and is easier to do then you think. Most people can achieve success with their home based business working as little as a couple hours a day right from home. Let’s talk about the advantages of working from home.One advantage of working at home is you get to set your own hours. As I said before most people do very well with their business putting in as little as two hours a day. What I usually do is before I get the kids up for school I spend about one hour working on my business as I drink my morning coffee. After I drop them off I spend one more hour as I eat my breakfast. So by about 9:00a.m I’m done and have the rest of the day to myself. Now you should keep into account that it took me about 2 months to get to this point. Before that I would say I spent about 4 hours a day getting my business started.Another great advantage of having your own home based business is that your store is open 24/7. Unlike having a brick and mortar store where your only open during certain hours your store is open all day and you have customers from all over the world who can visit. This will give you the potential of making money as you sleep.Here’s another advantage. You will have no inventory to handle or store. With your own home based business you won’t have to pay rent to store products as you will be selling some one else’s products. All you do is get customers to the sellers sites and make a commission per sale. It’s that easy. There’s no money to handle to pass hands, except your commission checks.There are a lot of other advantages to working at home with your own home based business but these are the ones I feel are the ones most important to people. I know these were the main reasons for me. Look into starting up a home based business, it has been a life changing experience for me and I’m sure it will be for you.

Tax Savings With a Health Savings Account – Smart Choice!

Health Savings Accounts are a relatively recent bank account option, having been created in late 2003 and available to US residents beginning in 2004. The purpose of a Health Savings Account, also referred to as an HSA, is to allow for tax-deferred savings that is intended to be used for current and future medical expenses. Individuals and families may open an HSA, or Health Savings Accounts may be offered as part of a workplace benefits package. In either case, the rules, contribution limits and eligibility requirements are the same.

Who Can Open An HSA?

HSAs are not available to everyone; eligibility depends on the type of health insurance plan you currently have.

There are different types of health insurance plans available in the US, ranging from plans that cover every doctor’s visit, procedure, hospital stay, prescription and surgery, to those that provide coverage only for significant medical expenses. The former type of plan understandably costs quite a bit more in monthly insurance premiums, but the insured knows they will be financially covered for most of their medical needs. The latter is typically less expensive and also has a higher deductible, which the insured must pay annually before the insurance will pay for covered medical expenses. HSA’s are not available to individuals and families covered by the first type of plan; only to those who have opted for the high-deductible insurance plan option. An HSA is a way for high deductible insurance plan holders to save money to use toward their health plan deductibles, and also for health-related expenses that are not covered by their specific plan. The theory behind these accounts is that people who are more in control of the money that is being spent on health care will be more discriminating in the health services they seek, and will shop more for better prices for the services they need. In this way, the government is hopeful that the cost of medical care may not rise as quickly or as dramatically as it historically has, given the more competitive nature of the industry when consumers are responsible for expenses out of their own pockets.

In addition to being a high-deductible health insurance plan customer, the individual who wishes to open an HSA must not be a dependent on anyone else’s tax return, and also must not be covered under any additional health insurance plan. There are a few exceptions to the coverage rule; it is OK to have coverage such as dental, vision or extended-care facility insurance.

How Does An HSA Work?

HSAs have similarities to both regular savings accounts and to certain types of retirement accounts, but they work quite differently from both. With a regular savings account, there are no limits to the amount of money that can be deposited annually. And although banks may have penalties for the number or amount of withdrawals made within a given time period in some savings accounts, what you do with the money you withdraw from a regular savings account is completely your decision. The money you place in a regular savings account is taxed as income, as is the interest earned on that account. With an HSA account, money deposited into the account is not taxed as income, and although you may earn interest in your HSA, the interest is also not taxable if it remains in the account, or if it is used to pay for qualified medical expenses. Unlike a savings account, there are limits to the amount of money that can be deposited into an HSA each year. The total amount that can be deposited changes annually based on inflation and other factors. It has gradually risen from $2,600 annually for an individual in 2004 to $3,100 annually for an individual in 2012.For family accounts, the annual limits in 2004 and 2012 were $5,150 and $6,250 respectively. In addition, those over the age of 55 may deposit an addition tax-deferred $1,000 annually.

With most investment or retirement accounts, the goal is to save for the future. Like an HSA, there are annual limits to the amount of money that can be deposited, tax-free, into an IRA or 401K account. With those types of accounts, there are generally penalties for withdrawing money prematurely, before retirement age. At the very least, money withdrawn from an IRA or 401K will immediately become taxable as income in the year it was withdrawn. An HSA works very differently. Because its goal is to save money for use when needed for medical expenses, funds may be withdrawn at any time with no tax liability as long as the withdrawn money is used to pay for “qualified medical expenses”. Most HSA accounts provide a debit card, checks or both to their HSA accountholders so the money is easily accessible when needed. Account holders do need to keep good records about their purchases, so they can document each purchase as a qualified medical expense. This is important, as there are large penalties when money from an HSA is used for expenses other than what is considered qualified. That money would be taxable and a 20% penalty would be imposed upon the account holder.

Are HSA Popular?

The numberof HSAs in the US has been steadily increasing since 2004. For example, in 2006, according to surveys done by the Employee Benefit Research Institute, there were 1.2 million HSA accounts. In 2008, the number had risen to 4.2 million accounts, and by 2011, that number had increased to a total of 6.8 million accounts nationwide.

With the tax savings available through these accounts, as well as the ease of using them, there is no reason to believe the number of HSA accounts will not continue to grow in the coming years.

Natural Supplements to Grow Taller Review – Herbal Facts and Marketer’s Claims Review

Why do many consumers take dietary supplements to grow taller? The reasons are varied-many times medically valid, sometimes not. In low or appropriate dosages, some supplements offer health benefits under some circumstances. Some people use supplements with good intention: perhaps in search of protection from or a remedy for health problems such as depression, aging skin, cancer, or arthritis. Still others seek added benefits: perhaps better athletic performance or sexual prowess. Too often, supplement use is based on scientifically unfounded marketing promises. But, some people still claim to undeniable scientific proofs.

It would be great, but boosting your nutrient intake won’t cause your cells to produce extra energy or more brain power. Only three nutrients carbohydrates, fats, and proteins supply energy or calories to grow taller. Vitamins don’t. Although B vitamins do help body cells produce energy from the three energy nutrients, they don’t produce energy themselves. Many powerful drugs and toxic chemicals are plant-based. Varieties of mushrooms can be classified as “culinary delicious” or “deadly dangerous.” In the same vein, herbal supplements should be used with caution! Any healthy natural supplements to grow taller, without proper doctor acknowledgement and governement authority approbation sounds really fishy to me.

Athletes and other physically active people need about the same amount of nutrients as others do to grow taller just more energy, or calories, for the increased demands of exercise. The extra amount of food that active people eat supplies the very small amount of extra vitamins needed to grow taller and have more energy production, too.

Although protein needs are somewhat higher for some athletes, especially for those in strength-training sports, food can easily provide the extra. On another note, physical activity, not extra amino acids (protein), builds muscle. For more on nutrition for athletes and ergogenic aids.

Dietary supplements to grow taller won’t protect you from the harmful effects of smoking or alcohol abuse. Here’s the real scoop: Smoking does increase the body’s need for vitamin C; drinking excessive amounts of alcoholic beverages can interfere with the body’s use of most nutrients. If soil can grow crops, the food produced is nutritious. When soil lacks minerals, plants don’t grow properly and may not produce their potential yield. Growing area does affect a food’s iodine and selenium contents.

Supplements won’t give you instant grow taller results, it would take at least a 2-3 months training for instance. For vitamins and minerals to do their work, they need several hours or several days to interact and do their work in your body. For any benefits from other dietary supplements to grow taller, you likely need to take them even longer. Supplements to grow taller are easy to spot. By law, they must be labeled “dietary supplements.” About eighty thousand dietary supplements are marketed in the United States with multivitamin/mineral supplements being the biggest product category-and with an average of 500 new products launched each year. They’re sold in many forms-for example, tablets, capsules, softgels, gelcaps, liquids, powders, and bars.

Do you consume a varied, balanced diet to grow taller? With some exceptions, supplements usually aren’t necessary. If you’re healthy and if you’re able and willing to eat a balanced, varied diet. You probably can get the vitamins and minerals you need from smart food choices. According to national studies, most Americans have enough healthful foods available to do that, yet they may not. Under some circumstances, vitamin/mineral supplements offer benefits and are advised; like those for growing taller.

A woman with heavy menstrual bleeding? You may need an iron supplement to replace iron from blood loss. To enhance absorption, take iron supplements with water or juice on an empty stomach. If nausea or constipation are problems, take iron supplements with food. Absorption may be decreased by as much as 50 percent when taken with a meal or a snack. A woman who’s pregnant or breast-feeding? You need more of some nutrients, especially folate and iron-and perhaps calcium if you don’t consume enough calcium-rich foods. Check the label’s Supplement Facts to make sure you get enough for a healthy pregnancy. Ask about a prenatal vitamin/mineral supplement.

Someone unable or unwilling to regularly consume a healthful diet to grow taller? You likely need a dietary supplement to fill in the nutrient gaps. However, eating smarter would be better if you don’t have food-related health problems! Take a supplement with the advice of a doctor or a registered dietitian. For example, pre-menopausal women who don’t consume enough calcium to grow taller and stronger bones from food likely need a calcium supplement-unless they’re willing to improve their diet. Some babies after age six months, children, and teens may need a fluoride supplement to grow taller and perhaps iron or vitamin D.

If you are not able to meet your calcium and vitamin D recommendations with foods to grow taller, you may need calcium or vitamin D supplements to grow taller. Ask a dietitian or your doctor about the right dosage and type. And enhance their absorption by taking them with food. Only food can provide the mixture of vitamins, minerals, phytonutrients, and other substances for a health quality that can’t be duplicated with dietary supplements to grow taller alone. Fortunately for most Americans growing taller, there’s plenty of quality, quantity, and variety in the food marketplace.

Enjoy plenty of calcium and vitamin D-rich foods. They provide more for bone health calcium, phosphorus, vitamin D and overall health than supplements do. And a varied, well-balanced eating plan offers other nutrients that appear to promote bone density, including magnesium, potassium, and vitamin K

Supplements to grow taller carry labeling, showing the amounts of vitamins and minerals in a single dosage. If you already eat a healthful diet, you probably don’t need any more than a low-dose supplement. Taking a multivitamin/mineral supplement, with no more than 100 percent of the Daily Values (DVs) as a safety net, is generally considered safe. Most nutrient supplements are produced in low dosages.

Supplements with water-soluble vitamins or minerals can be risky if taken in excess, over time. For example, taking extra vitamin B6 has been suggested to help relieve premenstrual tension. Yet there’s limited evidence to support large vitamin B6 doses for relief of premenstrual syndrome (PMS). Many women have viewed large vitamin B6 doses as harmless, since they are water-soluble. Instead, they may cause irreversible nerve damage when taken in very large doses above the Tolerable Upper Intake Level (UL): 500 to 5,000 mg vitamin B6 per day.

That said, can you overdose on vitamins or minerals naturally as you grow taller with food? That’s highly unlikely. As we mentioned, taking very high doses of dietary supplements or taking too many, too often can be dangerous. The vitamin and mineral content of food is much more balanced fortunately. In amounts normally consumed, even if you enjoy extra helpings, you won’t consume toxic levels of nutrients. So eat a variety of foods-and enjoy! Note: Nutrient amounts to grow taller can add up if you consume a lot of highly fortified foods.

You may take dietary supplements to grow taller for potential health benefits. It’s not uncommon for people diagnosed with cancer, AIDS, or other life-threatening health problems, who are desperate for a cure, to put their hopes and healthcare dollars in alternative treatments, including dietary supplements. However, supplements may offer a false sense of security-and a serious problem if you neglect well-proven approaches to health or delay medical attention.

Drink plenty of fluids with calcium supplements to avoid constipation. The lactose and vitamin D in the milk help to enhance calcium absorption. If you don’t drink milk and want an alternative to calcium pills, consider calcium-fortified juice or soy beverage. One cup of calcium-fortified juice or soy beverage can contain about 300 milligrams of calcium, the same amount as in a cup of milk, and provides vitamin C, folate, and other nutrients. Still, you need a vitamin D source to aid absorption; some calcium-fortified juices and soy beverages are also fortified with vitamin D.

Calcium supplements help to protect against osteoporosis (brittle-bone disease) It can’t make up for your lifestyle choices or poor health habits. Regular weight-bearing physical activity is important to grow taller and obtain healthy bones. For healthy bones, avoid smoking, too.

Vitamin nasal sprays or patches are effective to grow taller? No research evidence says so, even though they’re promoted for faster, more efficient absorption. In fact, they may not be absorbed at all. Here’s the reality check: Fat-soluble vitamins need fat from food to aid absorption. Vitamin C in your intestine aids iron absorption-a problem if vitamin C comes from a spray. Vitamin B12 binds with intrinsic factor made in the stomach during digestion. That cannot happen with a spray or a patch! So that means all the place that try to claim that you could grow taller with that are just scam.

Indeed, herbals and other botanicals have known medicinal qualities helping us grow taller; 30 percent of today’s drugs come from plants. Yet, herbals and other botanical supplements also are sold as dietary supplements rather than regulated as drugs. Like many plant-derived pharmaceuticals, these supplements can offer both positive health benefits and harmful side effects.

On the up side, enough scientific evidence has been collected on a handful of botanical supplements to support their limited use. For example, under a doctor’s guidance, gingko biloba may be used to help treat the symptoms of age-related memory loss and dementia (including Alzheimer’s disease); green tea extract may help reduce cancer risk. A growing body of research evidence is being gathered about their safety and effectiveness, as well as their limitations and dangers.

On the down side, like other supplements to grow taller, herbal and other botanical supplements are regulated differently from pharmaceuticals, which are meant to cure or prevent disease. You aren’t as protected from misleading claims as you might think. When you think about the quality and effectiveness of these grow taller methods; you can see that the marketer’s are absolutely in control of the quality…

According to current law and regulations, herbal and botanical remedies to grow taller and other dietary supplements to grow taller can enter the marketplace without FDA approval. The burden is on the FDA to remove a dangerous dietary supplements to grow taller from the marketplace. Currently dosages of herbal remedies aren’t standardized, so dosages vary among products. Some are even copies of the actual real-product that is made by legitimate herbal company; they put the same product name change what is inside and put the same label. Be very careful, you can look up grow taller 4 smarts free scam alerts to be ahead of scammers.

Although packaging claims can’t say that a supplement to grow taller cures or prevents disease, it may carry claims for its purported health role. Many claims have only limited scientific evidence. Are herbal supplements or botanicals are safe during pregnancy and nursing? There’s not enough scientific evidence yet to recommend safe levels for herbal supplements for pregnant or nursing moms. However, some are known to be harmful to a baby.

How to Detect Drug Abusing Teenagers

The effects of substance abuse in teens are not only individual; they can also be seen on the society. They may face problems at school or college and may involve in criminal activities. It is therefore very important to detect drug abusing teenagers. Drug testing should be conducted on a regular basis at schools and homes to identify and save them from harmful drugs of abuse.

Signs of drug abuse
Identifying certain signs helps you to detect if the kid is addicted to the drugs. Some of the common physical and emotional signs are:

• Change in sleep patterns
• Poor motor coordination
• Poor hygiene and illness including nausea and excessive sweating
• Irregular heartbeat
• Impaired thinking
• Mood swings
• Hyperactivity or overtired
• Depression

Drug abusing teens lose their interest in family activities, often abuse verbally and physically at home or school, and disrespect the family or school. In addition, abrupt decrease in grades, memory and attention loss, and lack of interest and concentration on studies are some of the signs at school. The moment you observe any of the above mentioned signs, you need to immediately check if the kid is abusing drugs. Drug testing is one of the safest and easiest ways to detect the drug abuse among teens.

Types of drug tests
There are different types of methods to detect the teens who are using drugs. Some of the common ones are urine, saliva, hair, and blood tests.

Urine drug test
Of all the types, urine testing is used most commonly as it is inexpensive method used to detect a drug user. You can use urine test kits at home or school to check if the child is addicted to illegal drugs. Quick and accurate results are obtained by these test kits.

Saliva drug test
It is more advantageous as it is relatively non-intrusive. Saliva from the mouth is taken through a swab and is checked for the presence of drugs. Most recent drug abuse can be detected by saliva tests. Conducting saliva test is very easy and also provides accurate and immediate results.

Hair drug test
This method is also non-intrusive. A hair sample of 1.5 inches in length is enough for conducting the test. Drug or its metabolites deposited at the hair shaft are detected by hair tests. You can get very reliable and accurate results by this method.

Blood drug test
You can also use a blood sample of the teen to detect illegal drug usage. It is however expensive and you need to approach laboratory as you cannot conduct it at your home.

Detection periods
The detection period depends on the method of test conducted. These detection periods vary from the type, dosage, and frequency of drug used.

Urine drug test can detect drug or its metabolites for 30 days in frequent users and for 2-3 days in occasional users. The test detects Cocaine for 4-5 days, Heroin for 2-4 days, Methamphetamine for 3-5 days, PCP for 3-7 days, and Codeine for 2-4 days.

A saliva test is mostly used to detect recent drug usage. However, it can also detect drugs consumed 3 days back. Of all the methods, hair drug test has a longer detection period. It detects illegal drug consumption for about 90 days.

What if results are positive?
Once the kid is tested positive by drug test kit, talk to him/her about the result. You can get a confirmatory result through laboratory tests. Communicate with him regularly regarding the effects of drug abuse. Ask him to leave companions or friends who are habituated to drugs. If necessary, send him/her to substance abuse treatment program.

Importance of intervention
Detection and intervention of drug abuse at primitive stages can prevent further damage. Drug intervention is an attempt made by family members or school authorities to help the teen get out of drug abuse or addiction. The main objective of intervention is to make the teen understand the physical and mental destruction caused by drug abuse. If you are not able to speak to the kid on this, you can take help of your friends or relatives. You can also consult specialists who counsel drug abusers and help them get back to their normal life.

Parents and school authorities should always keep an eye on the behavior and activities of the teens. Necessary measures have to be taken in order to prevent them from taking drugs.

Prevent Teen Drug Abuse Using Drug Testing Kits at Home

Teen drug abuse became a serious health problem in United States. It is hurting the healthcare system, burdening the economy, and causing millions of deaths every year. Of the many causes that promote drug abuse among teens, lack of parental supervision is a major one. Teens should be guarded properly by their parents as they are still immature.

Since, early intervention leads to effective prevention of this unhealthy habit, parents should identify drug abusing habits in teens and take preventive measures. Parents can take help of home drug testing kits which are effective and easy to use.

In this article, we will discuss about teens and their vulnerability to drug abuse; how to identify teen drug abuse and how important are drug testing programs at home to prevent teen drug abuse.

Teens – vulnerable to drugs abuse: Many scientific studies have already proved that teenagers are more prone to risk taking and are vulnerable to drug abuse when compared to adults. This typical behavior of teens during adolescence is because of the major changes in parts of the brain that are responsible for functions such as self-control, judgment, planning, organization, and emotions. Since teen brains are not yet fully developed, they cannot take proper decisions and fall victims to unhealthy habits like drug and alcohol abuse.

Signs and symptoms of drug abuse: The primary step towards prevention of drug abuse in teens is to identify their unhealthy habits. Prominent changes, both in their behavior and in physical appearance can be noticed even at the early stages of abuse. Following are the warning signs:

Physical and emotional changes:
• Red eyes
• Finding difficulty to speak
• Sudden fall or rise in weight
• Lack of hygiene and showing less interest in personal grooming
• Aggression and arrogance
• Depression and irritation

Social and behavioral changes:
• Dissociation from old friends and acquiring new social group
• Sudden anger or depression
• Poor attendance and academics at school
• Spending time lonely
• Abnormal odor in breath or clothing
• Pipes, needles and other suspicious substances in their room

Importance of home drug test kits: The moment you see the signs that indicate drug abuse in your teen, it is the time to confirm drug abusing habits using reliable methods. They are useful devices for the parents to confirm these unhealthy habits in teens. They are simple, easy to use, provide instant and accurate results, cost-effective and above all ensure privacy. Some multi-panel drug testing kits can detect multiple drugs of abuse at a shot.

Best drug test methods to implement: When it comes to home drug testing, urine and saliva tests are considered to be the best methods. There are two other methods – blood and hair tests also, but they need special devices and expert supervision, hence are not recommended for home testing.

Urine test can detect the drugs in your teen’s system up to three days after use. If you believe that your teen has taken drugs during the last few days, then this method is effective in offering accurate results. However, it is necessary to check that your teen is not providing fake urine sample which can lead to false results.

Saliva drug testing is an ideal drug test if you suspect that your teen abused drugs on that particular day. These kits can detect drug use up to 48 hours.

Need for random drug testing: If you are conducting drug tests on your teens at regular intervals, following a regular pattern, your teen may notice the pattern and either try to manipulate the sample before the test or stop abusing drugs few days before the test. Hence, practicing random drug tests is always an ideal way to identify the drug use which effectively helps in detecting the drug abuse among your teens. Random testing makes teens say ‘NO’ to drugs as they know that you can conduct drug testing any time at home.

Home drug testing kits can be considered as effective solutions in controlling and preventing drug abuse in your teens. So, make sure that you have some of them at home to test your teen to help him stay away from drugs.

Are You Prepared For Potential Employer Law Cases?

Even businesspeople that have been running their own enterprises for decades may not know everything they need to know about employer law. They could have a good basic knowledge of state and federal employment laws, but still be unaware of recent changes in these laws. After all, if they’re preoccupied with keeping their companies afloat during these perilous economic times, they might not have time to stay current with all issues related to employment law. That’s why even the most ethical, experienced, and canny business owners need to retain quality legal counsel with experience in employer law. One way to do this is to keep a lawyer on retainer, but that can get prohibitively expensive. A better alternative for small to medium-sized businesses is to work with a legal service that does nothing else but provide counsel and legal assistance for employment law problems.

There is an old saying that forewarned is forearmed. Running a business with multiple employees can be a complex and difficult undertaking, fraught with many perils to that company’s continued profitability, and even its very existence. Many well-meaning, basically honest employers have unwittingly fallen foul of employment law issues because they did not have good legal counsel. Don’t let that happen to you! Protect your personal assets, including your business, from anyone who might try to sue you over perceived violations of employer law. Being the boss means you sometimes have to make tough calls that some of your employees might not be happy with. These days people are so litigious that they will sue at the drop of a hat, so you need to be armed against potentially damaging lawsuits with the best legal advice that you can afford.

The good news is that you don’t have to keep an expensive law firm on permanent retainer to get the advice of experienced, ethical lawyers with experience in employer law cases. The best alternative is to retain the services of a firm that handles nothing but employer law cases and keeps abreast of the rapidly changing network of laws governing how employees must be treated in the workplace. The right employment law firm for you will provide 24-hour-a-day access to a real lawyer to address all of your legal questions and deal with any legal problems that can spring up for a business owner with frightening speed. You should also seek out an employer law service that can either tailor its legal services to your precise needs or offers a variety of service packages at reasonable prices. Your business is too important for it not to be protected against the possibility of a lawsuit that could wipe it out. Having good legal advisors will also help you protect your company’s reputation against efforts to besmirch it. After all, any company’s reputation is one of its most valuable assets.

So, whatever the size of your business, whether you employ 20 employees or 20,000, you need the benefits of the best advice about employer law that you can get. In the case of small or medium-sized businesses, the best thing you can do is partner with an employer law service that can call on experienced, knowledgeable lawyers to defend your interests. In tough economic times like these when employers must make hard decisions regarding their employees, it’s good to know that you have top-shelf legal advisors to back you up. Face it, some of your employees may not be happy with what you have to do in terms of layoffs, scheduling or changes in working conditions, so if they decide to sue you, you’ll be prepared. Don’t be caught off guard. Be sure that you have already retained the services of a firm that specializes in employment law and can go to bat for you in court if necessary.

How to Improve Eye Vision Naturally – Revolutionary Procedure to Correct Vision

It is possible to improve eye vision in a way that is natural. In this way, you will be able to return to a life without glasses or contacts, and give yourself excellent vision without needing to undergo expensive and dangerous surgery. This is accomplished through the use of eye exercises. These can be used in order to combat the effects of nearsightedness and other vision issues.

By finding a way to naturally improve vision, you will feel better about yourself and your independence. By reclaiming your 20/20 vision, you will also reduce your risk of experiencing eye diseases in the future.

Eye exercises work by getting to the root of the problem that is causing the vision issues in the first place. The eye muscles that cause the problem are trained in such a way that they become more relaxed, and more precise. In this way, the lens of the eye returns to its proper shape, which will naturally improve vision.

When you wear glasses, they may improve eye vision in the short term, but they actually put strain on your eyes. There have been several studies demonstrating that, over time, glasses actually cause your vision to become worse. This is why it is important to improve eye vision the right way. Not only do eyeglasses and contacts come to a common inconvenience, but they are also damaging to the eye.

Briefly testing these simple exercises are a lot healthier and successful. Studies conducted on monkeys showed that a monkey who wore nearsighted glasses became nearsighted within a short period of time. The reverse was true for farsighted glasses.

The first simple exercise is to find a period or comma on a page and focus on it, making it as clear as possible. Stare at the period until it comes into focus. Chances are after a few seconds the period will actually became less clear and blurry. Perform eye exercises on a regular basis. This gives your muscles the full control over your eyes that they are supposed to have. Try relaxing your eyes. Close them for a minute and let them relax. Now look at the period without straining. Don’t stare; instead, let your eyes slowly move around the page, over and around the period. Don’t focus only on the period, the eyes need movement. Make sure to blink a bit. Try closing your eyes and picturing the dot and then look at it again. Once the eyes are relaxed it should be easier to see the period. This also allows your eyes to relax so that they are not placed under strain.

The second exercise is the Word exercise. Find a word on the page that is five or more letters long. Stare at the word so that all the letters are in view, but don’t move the eyes. Focus entirely on the whole word trying to get the best image in your head. Again, staring and concentrating hard is going to cause the word to blur. These methods used to naturally improve vision are much safer than LASIK eye surgery as well.

These exercises can be used to fight problems associated with nearsightedness, farsightedness, blurred vision, and aging vision.

The former FDA chief, Morris Waxler, admitted that he thinks they made a mistake when they approved the surgery. It may improve eye vision, but there are several risks associated with it that aren’t worth it. The possibility that you will have vision problems after getting LASIK surgery is surprisingly high. One in every thirty-three people who undergo the surgery will experience vision problems afterward.

Do Nutritional Supplements Work? Some Surprising Facts

Some big, unfounded rumors are circulating about nutritional supplements.

And they’re circulating under the guise of science and experience. But instead of helping you make wiser choices for your health, they do the opposite. They make it harder.

Because these false tales ignore volumes of research and several thousands of years of human healing practices using food, herbs and minerals.

What fallacies am I talking about?

A December 2013 editorial published in The Annals Of Internal Medicine, titled “Enough Is Enough: Stop Wasting Money on Vitamin and Mineral Supplements” concluded:

“We believe that the case is closed- supplementing the diet of well-nourished adults with (most) mineral or vitamin supplements has no clear benefit and might even be harmful. These vitamins should not be used for chronic disease prevention. Enough is enough.”[1]

Now here’s the thing… I agree we need to pay attention to results of the studies the authors referred to when they came to this conclusion. This editorial refers to several recent studies. Each of these studies underscores some important reasons why nutritional supplements don’t work in specific situations.

But other than that, they’re dead wrong.

Because if anything these studies only highlight the mistakes people and doctors make when it comes to using supplements. Simply put, when people choose poor quality supplements and use the wrong supplement for the wrong reasons, supplements don’t do much good.

In contrast, as hundreds of people who have consulted with me as a doctor have discovered, when you choose the right, high quality supplement for the right health concern, you’ll see the benefits.

The key is to make knowledgeable choices.

A single article is too limited to cover 40 plus years of knowledge I draw from in recommending supplements to my patients. But I can offer some basic guidelines that will help you make better choices when you use supplements.

Here’s what you need to look out for in order to ensure the nutritional supplements you use work.

Get The Right Dose Of Nutrition

Three of the studies the editorial team used to make their case showed multivitamins did little to change the risk of brain problems, cardiovascular issues after a heart attack or overall health risks for older people.

I wasn’t surprised by this.

In trying to cover the whole spectrum of nutrition without overdoing it in any one area, multivitamins usually only offer a small percentage of the nutrients you need to take care of a specific health concern. And often enough they include nutrients you don’t even need depending on how you eat.

For example, most multivitamins contain 400 IU or less of vitamin D. While this is the official recommended daily allowance for vitamin D, most holistic doctors would consider this a drop in the bucket when it comes to raising your blood vitamin D levels.

I have my patients get blood tests to assess vitamin D levels and then recommend supplements accordingly. Often enough, I recommend at least 1000 IU – sometimes as much as 5000 IU – to get them to healthy vitamin D levels in the blood.

Multivitamins provide a baseline for nutrition. Not strategic intervention that can really make a difference.

And this brings me to the next issue…

Choose The Best Nutritional Supplements For Your Specific Needs

Just because vitamin A supplementation worked for your neighbor, doesn’t mean it will work for you.

Perhaps you eat lots of winter squash and chlorella, rich in this vitamin. You don’t need a supplement.

Not everyone needs the same amount of supplementation.

Supplementation works best when it’s tailored to your individual health concerns, eating habits, lifestyle and genetic makeup. When adding supplements to your diet, start with you – with what you’re struggling with and what you know are your weak points.

This is why studies involving people without any nutritional deficiencies to assess the effectiveness of supplements may have had less significant results.

It’s also why multivitamins have limited effectiveness. The higher quality ones may give you a nice nutritional base. But they do little to offer you the strategic nutrition that thousands of studies have shown can make a difference with specific health concerns.

But it doesn’t matter what dose of supplement you choose, if you don’t pay attention to this next issue, you won’t get what you need…

Choose Natural Supplements

Synthetic versions of vitamins can not only be less effective, they can be dangerous. As the Annals of Internal Medicine editorial team correctly pointed out, some research has shown that vitamin A supplementation can in fact increase your risk of lung cancer.

However, if you get the precursor for vitamin A that’s found in chlorella and other whole foods – beta carotene – you don’t have to worry. Unlike with vitamin A, your body only converts the beta-carotene it needs and gets rid of the rest.

Natural substances are hard to mimic in a chemistry lab. We may do a pretty good job, but several different vitamin studies have shown that synthetic forms of vitamins – like the ones used in several vitamin A and E studies – can disrupt the way your body uses nutrition.

But even if you go natural, you still need to pay keen attention to the next criterion…

Make Quality A Priority

Listen, do you think some wilted spinach that’s been sitting in your fridge for 2 weeks will give you the same nourishment as that spinach picked from your garden minutes ago? Of course not!

So why would you assume all supplement ingredients are of the same quality?

Sure they may be natural ingredients. But natural doesn’t necessarily mean quality.

Plenty of manufacturers scoot by with ingredients your body can’t use – or contain little concentration of the active compounds you’re seeking. Multivitamins are particularly notorious in this area. If you pick one up at random from the local pharmacy, I can just about guarantee that many of the nutrients in the multivitamin you selected will be hard for your body to use and offer limited benefits.

For example, calcium carbonate – found in many multivitamins as well as calcium supplements – is much harder for your body to breakdown and absorb than calcium citrate.[2]

When it comes to botanical supplements, their quality depends heavily on how they were sourced and processed. For example, if eleuthero root is harvested in the winter months, when much of the plant’s energy is stored in its roots, you’ll get a much higher concentration of active ingredients, eleutherosides. However, not every eleuthero producer takes care to harvest at this time, leading to a range of potency when it comes to eleuthero supplements on the market.

However, as good as a high quality extract or isolated ingredient is, rarely can they compete with the best form of supplementation.

The Best Nutritional Supplements Are Made With Whole Foods

While we’ve discovered some applications for isolated vitamins and plant compounds… and while I sometimes suggest my patients use certain extracts or isolated vitamins… when it comes down to it, nothing beats the complex chemistry of food for giving your body the best nutrition.

Nutrients found in food work together to nourish you in incredibly complex ways. It’s like a symphony with hundreds of players. And often enough, when we try to isolate nutrients, we miss out on powerful health benefits.

For example, when it comes to the supplement, eleuthero, scientists have found that some of the isolated compounds, eleutherosides, seem to increase immune health. But they also found that none of the isolated eleutherosides worked as well for strengthening your immune health as taking whole eleuthero.[3]

3 Tips For Finding Nutritional Supplements That Work

As a doctor who’s witnessed hundreds of people recovering excellent health thanks to the use of nutritional supplements, I know this widely publicized editorial from the Annals of Internal Medicine has the potential to cause tremendous damage. By referring to a few non-representative and poorly designed studies to condemn nutritional supplements as a whole, the authors have robbed people of health options that can make all the difference.

But I also understand the need, highlighted by the studies referred to in the editorial, for better understanding of how to choose and use supplements more effectively.

Here are a few suggestions:

Do your research. Go beyond the headlines and ask questions. Get information that addresses all the questions I raised in this post. Learn more about the health concern you have, the nutrient you’re considering using and the company that produces supplements that provide this nutrition.
When in doubt, consult with a professional like a holistic doctor. As part of our professional work, we keep up with the research. In addition, we have our years of practice to draw on in seeing how supplements work on a case by case basis. A holistic doctor can help you determine the quality of a supplement. And they can help you decide if it’s the right one for your needs.
Consider using supplements that have already gone through rigorous quality assessments. For example, supplement distribution companies like Emerson Ecologics set high standards for the supplements they carry in order to help practitioners like me make good choices more easily. While you will need an official practitioner recommendation for purchasing from them, you will know that the supplements they carry are well vetted.
Become The Expert: Know The Best Supplements For You

The most important thing you can do to use supplements effectively is to know yourself. Get to know your body and note how supplements work for you.

And keep this in mind: Studies are important. But they also only capture a snapshot of the reality. Your unique biochemistry may not fit into this.

Because of this, you can know better than any doctor or researcher what supplement works for you. When it comes down to it, no one else can do as good a job as you in making the final decision about which are the best nutritional supplements for you.

Hiring a Home Health Care Employee

Providing the primary care for an elder loved one can be difficult. When you cannot deliver all the elder care yourself and support from friends, family, and community organizations is not enough, it may be useful to hire a home health care worker. He or she can offer care from a few hours a week to 24 hours a day, and can provide many other helpful services. Types of in-home health care services include:

General Health Management like administration of medication or other medical treatments
Personal care such as bathing, oral hygiene, dressing, and shaving
Nutrition help like preparing meals, assisting eating, and grocery shopping
Homemaking services including laundry, dishwashing, and light housework
Companionship for example reading to the senior or taking them on walks
Recruiting and Interviewing Applicants
There are many avenues for hiring a home health care employee. Generally, home health care workers can be hired directly or through an agency. Home health care agencies often have a staff that includes social workers and nurses that will manage your care. However hiring an independent home health care worker is generally more cost effective, it will also give you more control over the type of care you receive.

Senior home care workers should be carefully screened for proper training, qualifications, and temperament. Fully discuss the needs of the elder care recipient during an interview with a prospective home health care employee. There should be a written copy the job description and the type of experience you are looking for.

References

Have applicants fill out an employment form that includes the following information:

Full name
Address
Phone number
Date of birth
Social Security number
Educational background
Work history
Before hiring, you should ask to see the senior home care worker’s licenses and certificates, if applicable, and personal identification including their social security card, driver’s license, or photo ID.
References should be checked out thoroughly. Prospective employees should provide the employer with names, dates of employment, and phone numbers of previous employers and how to contact them. It is best to talk directly to previous employers, rather than just to accept letters of recommendations. Also ask the applicant to provide or sign off on conducting a criminal background check

Special Points to Consider

Make sure the person you are considering hiring knows how to carry out the tasks the elder care recipient requires, such as transferring the senior to and from a wheelchair or bed. Training may be available, but make sure the worker completes the training successfully before hiring him or her.

No one should be hired on a seven-day-a-week basis. Even the most dedicated employee will soon burn out. All employees need some time to take care of their personal needs. No worker should be on call 24-hours a day. If the elder care recipient needs frequent supervision or care during the night, a family member or second home health care worker should be able to help out or fill in.

Live-in assistance may seem to be more convenient and economic than hourly or per-day employees but there can be drawbacks. Food and lodging costs must be calculated into the total cost of care, and it could be difficult to dismiss someone without immediate housing alternatives. If you decide to utilize a live-in arrangement, the employee should have his own living quarters, free time, and ample sleep.

Job Expectations and Considerations

Before hiring a senior home health care worker, you should go over the tasks you expect them to perform and other issues, such as promptness, benefits, pay scale, holidays, vacations, absences, and notification time needed for either employer or employee before employment is terminated. If you work and are heavily dependent on the home health care worker, emphasize the importance of being informed as soon as possible if he or she is going to be late or absent so that you can make alternative arrangements. Be clear about notification needed for time off, or what to do in the case the home health care worker experiences a personal emergency that requires them to abruptly leave work. It is important to have a backup list of friends, family, other home care workers, or a home health care agency you can call on.

Be clear about issues concerning salary, payment schedule, and reimbursement or petty cash funds for out of pocket expenses.

You should spend the day with the home health care worker on his first day to make sure you are both in agreement over how to carry out daily tasks. It would also be helpful to supply the home health care worker with a list of information on the elder care recipient such as: special diets, likes, dislikes, mobility problems, health issues, danger signs to monitor, possible behavior problems and accompanying coping strategies, medication schedule, therapeutic exercises, eye glasses, dentures, and any prosthetics.

You should also provide the following information to your home health care worker: your contact information, emergency contacts, security precautions and access to keys, clothing, and locations of washing/cleaning supplies, medical supplies, light bulbs, flashlights, fuse box, and other important household items.

Transportation

Another big consideration in hiring a senior home care worker is how he or she is going to get to work. If they do not have a reliable car or access to public transit, then you might want to consider hiring someone to drive him or her, which might be more economical than using taxis. Inform your insurance company if the home health care worker is going to drive your car when caring for the senior. Your insurance company will perform the necessary driving background checks. If the home health care worker is using his or her car to drive the elder care recipient, then discuss use of her or his car, and conduct a driving background check.

Insurance and Payroll

Check with an insurance company about the proper coverage for a worker in your home.

Make sure all the proper taxes are being drawn from the employee’s check by contacting the Internal Revenue Service, state treasury department, social security, and the labor department. If you do not want to deal with the complexities of the payroll withholdings yourself, than you can hire a payroll company for a fee.

Even if your home health care worker is working as a contractor, you are still obligated to report the earnings to the IRS. Talk to your accountant or financial adviser about making sure you are following IRS rules.

Ensuring Security

You should protect your private papers and valuables in a locked file cabinet, safe deposit box, or safe. If you are unable to pick up your mail on a daily basis, have someone you trust do it, or have it sent to a post box. You should check the phone bill for unusual items or unauthorized calls. You should put a block on your phone for 900 numbers, collect calls, and long-distance calls.

Keep checkbooks and credit cards locked up. Review credit card and bank statements on a monthly basis, and periodically request credit reports from credit reporting agencies. Lock up valuable possessions or keep an inventory of items accessible to people working in the house.

You can help to prevent elder abuse to your loved one by:

Make sure the home health care worker thoroughly understands his or her responsibilities, the elder care recipient’s medical problems and limitations, and how to cope with stressful situations.
Do not overburden the home health care worker.
Encourage openness over potential problems.
The following are possible signs of elder abuse or neglect:
Personality changes
Crying, whimpering, or refusing to talk
Sloppy appearance
Poor personal hygiene
Disorganized or dirty living conditions
Signs of inappropriate sedation, such as confusion, or excessive sleeping
Mysterious bruises, pressure sores, fractures, or burns
Weight loss
If you suspect abuse, act immediately. Do not wait until the situation turns tragic. Investigate the situation by talking to the elder care recipient in a safe situation, or install monitoring equipment. Examples of abusive behavior include yelling, threatening, or over controlling behavior that could involve isolating the senior from others. If the situation is serious, you should replace the home health care worker as quickly as possible. If you fear the elder care recipient is in danger, he or she should be separated from the home health care worker as soon as possible. Place the elder care recipient with a trusted relative or in a respite care facility. Make sure your loved one is safe before confronting the home health care worker, especially if there is concern about retaliation.
Report the situation to Adult Protective Services after ensuring the safety of the elder care recipient. The police should be contacted in the case of serious neglect, such as sexual abuse, physical injury, or misuse of funds.

Supervising a Home Health Care Worker

The most important thing to remember after hiring a home health care worker is to keep the lines of communication open. You should explain the job responsibilities clearly, and your responsibilities to the home health care worker. Do not forget that the home health care worker is there for the elder care recipient and not the rest of the family. For live-in arrangements, the maximum amount of privacy should be set up for the home health care worker’s living quarters. Meetings should be set up on a regular basis to assure that problems are nipped in the bud. If conflicts cannot be resolved after repeated attempts, than it is best to terminate the employee. In such a case, you may have to either place the elder care recipient in a nursing home temporarily or hire a home health care worker through an agency. Reserve funds should be kept on hand in the case of such an emergency.

General Eligibility Requirements for Home Care Benefits

Hiring a home health care worker directly is usually less expensive than hiring through a home health care agency; but if the elder care recipient is eligible and you wish to use assistance from Medicare, you must hire someone through a certified home health care agency. For the senior patient to be eligible, three or more services must be ordered by a physician. Other factors or eligibility are the required need for skilled nursing assistance, or one of the following therapies: physical, speech or occupational. The elder care recipient’s medical needs will determine asset and income requirements.

Hiring Home Health Care Workers through Home Health Care Agencies versus Independently

Different health professionals can assess the elder care recipient’s needs. A nurse or social worker can help with design and coordination of a home care plan. Your care manager, doctor, or discharge planner can help with services being covered by Medicare. They generally help make the arrangements with a home care agency.

You should ask the home health care agency how they supervise their employees, and what kind of training their employees receive. Find out the procedures for when an employee does not show up. Also ask about the fee schedule and what it covers, there may be a sliding fee schedule. Furthermore, find out if they have a policy for minimum or maximum hours. Ask the agency if there are any limitations on the types of tasks performed.

Especially if you have to pay for the care services yourself, find out if there are any hidden costs such as transportation. If all the costs for hiring a care worker through an agency become too much, you may want to consider hiring directly.

Hiring independent home health care workers is not only more economical than using an agency, but it also allows more direct control over the elder care.

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