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  • Small Business Owners: Accounting Is for Profit Planning, Not Just Tax Preparation

    Small Business Owners: Accounting Is for Profit Planning, Not Just Tax Preparation

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    One might be led to believe that profit is the main objective in a business but in reality it is the cash flowing in and out of a business which keeps the doors open. The concept of profit is somewhat narrow and only looks at expenses and income at a certain point in time. Cash flow, on the other hand, is more dynamic in the sense that it is concerned with the movement of money in and out of a business. It is concerned with the time at which the movement of the money takes place. Profits do not necessarily coincide with their associated cash inflows and outflows. The net result is that cash receipts often lag cash payments and while profits may be reported, the business may experience a short-term cash shortage. For this reason, it is essential to forecast cash flows as well as project likely profits. In these terms, it is important to know how to convert your accrual profit to your cash flow profit. You need to be able to maintain enough cash on hand to run the business, but not so much as to forfeit possible earnings from other uses.

    Why accounting is needed

    Help you to operate better as a business owner

    1. Make timely decisions

      • Know when to hire a team of employees
      • Know how to price your products
      • Know how to label your expense items
      • Helps you to determine whether to expand or not
      • Helps with operations projected costs
    2. Stop Fraud and Theft

      • Control the biggest problem is internal theft
      • Reconcile your books and inventory control of equipment
    3. Raising Capital (help you to explain financials to stakeholders)

      • Loans
      • Investors

    What are the Best Practices in Accounting for Small Businesses to address your common ‘pain points’?

    1. Hire or consult with CPA or accountant

      1. What is the best way and how often to contact
      2. What experience do you have in my industry?
      3. Identify what is my break-even point?
      4. Can the accountant assess the overall value of my business
      5. Can you help me grow my business with profit planning techniques
      6. How can you help me to prepare for tax season
      7. What are some special considerations for my particular industry?

    To succeed, your company must be profitable. All your business objectives boil down to this one simple fact. But turning a profit is easier said than done. In order to boost your bottom line, you need to know what’s going on financially at all times. You also need to be committed to tracking and understanding your KPIs.

    What are the common Profitability Metrics to Track in Business — key performance indicators (KPI)

    Whether you decide to hire an expert or do it yourself, there are some metrics that you should absolutely need to keep tabs on at all times:

    • Outstanding Accounts Payable: Outstanding accounts payable (A/P) shows the balance of cash you currently owe to your suppliers.
    • Average Cash Burn: Average cash burn is the rate at which your business’ cash balance is going down on average each month over a specified time period. A negative burn is a good sign because it indicates your business is generating cash and growing its cash reserves.
    • Cash Runaway: If your business is operating at a loss, cash runway helps you estimate how many months you can continue before your business exhausts its cash reserves. Similar to your cash burn, a negative runway is a good sign that your business is growing its cash reserves.
    • Gross Margin: Gross margin is a percentage that demonstrates the total revenue of your business after subtracting the costs associated with creating and selling your business’ products. It is a helpful metric to identify how your revenue compares to your costs, allowing you to make changes accordingly.
    • Customer Acquisition Cost: By knowing how much you spend on average to acquire a new customer, you can tell exactly how many customers you need to generate a profit.
    • Customer Lifetime Value: You need to know your LTV so that you can predict your future revenues and estimate the total number of customers you need to grow your profits.
    • Break-Even Point:How much do I need to generate in sales for my company to make a profit?Knowing this number will show you what you need to do to turn a profit (e.g., acquire more customers, increase prices, or lower operating expenses).
    • Net Profit: This is the single most important number you need to know for your business to be a financial success. If you aren’t making a profit, your company isn’t going to survive for long.
    • Total revenues comparison with last year/last month. By tracking and comparing your total revenues over time, you’ll be able to make sound business decisions and set better financial goals.
    • Average revenue per employee. It’s important to know this number so that you can set realistic productivity goals and recognize ways to streamline your business operations.

    The following checklist lays out a recommended timeline to take care of the accounting functions that will keep you attuned to the operations of your business and streamline your tax preparation. The accuracy and timeliness of the numbers entered will affect the key performance indicators that drive business decisions that need to be made, on a daily, monthly and annual basis towards profits.

    Daily Accounting Tasks

    1. Review your daily Cash flow position so you don’t ‘grow broke’.

    Since cash is the fuel for your business, you never want to be running near empty. Start your day by checking how much cash you have on hand.

    Weekly Accounting Tasks

    2. Record Transactions

    Record each transaction (billing customers, receiving cash from customers, paying vendors, etc.) in the proper account daily or weekly, depending on volume. Although recording transactions manually or in Excel sheets is acceptable, it is probably easier to use accounting software like QuickBooks. The benefits and control far outweigh the cost.

    3. Document and File Receipts

    Keep copies of all invoices sent, all cash receipts (cash, check and credit card deposits) and all cash payments (cash, check, credit card statements, etc.).

    Start a vendors file, sorted alphabetically, (Sears under “S”, CVS under “C,”etc.) for easy access. Create a payroll file sorted by payroll date and a bank statement file sorted by month. A common habit is to toss all paper receipts into a box and try to decipher them at tax time, but unless you have a small volume of transactions, it’s better to have separate files for assorted receipts kept organized as they come in. Many accounting software systems let you scan paper receipts and avoid physical files altogether

    4. Review Unpaid Bills from Vendors

    Every business should have an “unpaid vendors” folder. Keep a record of each of your vendors that includes billing dates, amounts due and payment due date. If vendors offer discounts for early payment, you may want to take advantage of that if you have the cash available.

    5. Pay Vendors, Sign Checks

    Track your accounts payable and have funds earmarked to pay your suppliers on time to avoid any late fees and maintain favorable relationships with them. If you are able to extend payment dates to net 60 or net 90, the better. Whether you make payments online or drop a check in the mail, keep copies of invoices sent and received using accounting software.

    6. Prepare and Send Invoices

    Be sure to include payment terms. Most invoices are due within 30 days, noted as “Net 30” at the bottom of your invoice. Without a due date, you will have more trouble forecasting revenue for the month. To make sure you get paid on time, always use an invoice form that contains the right details such as payment terms, itemized charges, and your payment address.

    7. Review Projected Cash Flow

    Managing your cash flow is critical, especially in the first year of your business. Forecasting how much cash you will need in the coming weeks/months will help you reserve enough money to pay bills, including your employees and suppliers. Plus, you can make more informed business decisions about how to spend it.

    All you need is a simple statement showing your current cash position, expected cash receipts during the next week/month and expected cash payments during the next week/month.

    8. Executive Dashboard (weekly review)

    This dashboard gives you a ‘snapshot’ of your operations on a weekly basis.

    It consist of Cash on Hand, Cash burn rate, Account Receivables, Accounts Payable, Items sold, Inventory on Hand, inventory turns, outstanding issues in the business, and gross profit margin, new sales wins, customer losses, customer service performance, on time delivery rate and product quality performance.

    Monthly Accounting Tasks

    9. Balance Your Business Checkbook

    Just as you reconcile your personal checking account, you need to know that your cash business transaction entries are accurate each month and that you are working with the correct cash position. Reconciling your cash makes it easier to discover and correct any errors or omissions-by you or by the bank-in time to correct them.

    10. Review Past-Due (“Aged”) Receivables

    Be sure to include an “aging” column to separate “open invoices” with the number of days a bill is past due. This gives you a quick view of outstanding customer payments. The beginning of the month is a good time to send out overdue reminder statements to customers, clients and anyone else who owes you money.

    At the end of your fiscal year, you will be looking at this account again to determine what receivables you will need to send to collections or write off for a deduction

    11. Analyze Inventory Status

    If you have inventory, set aside time to reorder products that sell quickly and identify others that are moving slowly and may have to be marked down or, ultimately, written off. By checking regularly (and comparing to prior months’ numbers), it’s easier to make adjustments so you are neither short nor overloaded.

    12. Process or Review Payroll and Approve Tax Payments

    While you have an established schedule to pay your employees (usually semi-monthly), you need to meet payroll tax requirements based on federal, state and local laws at different times, so be sure to withhold, report and deposit the applicable income tax, social security, Medicare and disability taxes to the appropriate agencies on the required dates.

    Review the payroll summary before payments are disbursed to avoid having to make corrections during the next payroll period. A payroll service provider can do all this to save you time and ensure accuracy at a reasonable cost.

    13. Review Actual Profit and Loss vs. Budget and vs. Prior Years

    Each month, take the time to review your budgeted expenses and compare them to what you have actually spent. Are you spending above or below budget? Discuss the variances and take action as needed

    Your profit and loss statement (also known as an income statement), both for the current month and year to date, tells you how much you earned and how much you spent. Measure it against your budget every month (or quarter). Comparing your actual numbers to your planned numbers highlights where you may be spending too much or not enough, so that you can make changes.

    If you have not prepared a budget, compare your current year-to-date P&L with the same prior-period year-to-date P&L to identify variances and make adjustments.

    14. Review Month-End Balance Sheet vs. Prior Period

    By comparing your balance sheet at one date-June 30, 2015, for example-to a balance sheet from an earlier date (December 31, 2014), you get a picture of how you are managing assets and liabilities. The key is to look for what is significantly up and/or down and understand why. For example, if your accounts receivable are up, is it due to increased recent sales or because of slower payments from customers?

    Quarterly Accounting Tasks

    15. Prepare/Review Revised Annual P&L Estimate

    It’s time to evaluate how much money you are actually making, whether your net assets are going up or down, the difference between revenues and expenses, what caused those changes, how you are spending profits, as well as identifying trouble spots, and making adjustments to improve sales and margins.

    16. Review Quarterly Payroll Reports and Make Payments

    You have been reviewing your semi-monthly payroll reports. However, the IRS and most states require quarterly payroll reports and any remaining quarterly payments. Again, it’s best if your payroll service provider completes these reports and files them. Your job is to review to make sure they appear reasonable.

    17. Review Sales Tax and Make Quarterly Payments

    If your company operates in a state that requires sales tax, make sure you comply to avoid serious penalties. The U.S. Small Business Administration (SBA) can help you determine your state tax obligations.

    18. Compute Estimated Income Tax and Make Payment

    The IRS and states that have income taxes require you to pay estimated income taxes. Review your year-to-date P&L to see if you owe any estimated taxes for that quarter. Your tax accountant can assist if necessary.

    Annual Accounting Tasks

    19. Review Past-Due Receivables

    Now it’s time to check significant past due receivables and decide whether you think customers will eventually pay, whether to send past due bills to a collection agency or whether to write them off for a deduction.

    20. Review Your Inventory

    Review your current inventory to determine the value of items not sold. Any write-down of inventory translates to a deduction on your year-end taxes. If you do not write down unsellable inventory, you are overstating your inventory balance and paying additional taxes that you don’t owe.

    21. Fill out IRS Forms W-2 and 1099-MISC

    The IRS has a January 31 deadline that requires you to report the annual earnings of your full-time employees (W-2s) and most independent contractors (1099s). This deadline includes mailing copies of the tax forms to the people who worked for you. Note: A 1099 form is not required for any contractors who earned less than $600. Consider saving time and avoiding errors with an e-filing service.

    22. Review full-year financial reports for tax reporting

    • Get organized

      • Collect and store important documents (use apps and calendars for help)

        • Create email folders to store bank statement and receipts
        • Store contracts and agreements
        • Track miles and vehicle expenses
        • Store all required documents for your business type.


      • Tax Preparation

        • Tax preparation is a historical view and not a profit planning event
        • Capture all relevant events
        • Identify all deduction categories
        • Capture all meals

          • Meetings —-whatever was discussed/calendar

            • Try not to go over industry average industry cost for meals.

    At tax time, carefully review your company’s full-year financial reports before giving them to your accountant. Before you sign your return, be sure to review it for accuracy based on your full-year financial reports. Remember if IRS audits due to underpayment, they will deal with you not your accountant for any additional taxes, penalty and interest.

    If you don’t have the bandwidth to do all this yourself, a great strategy is to partner with a monthly accounting service. Outsourcing your accounting to an expert will simplify your life and give you more time to focus on running your business operations.

    A monthly accountant will provide you with a profit and loss sheet, balance statement, and accurate account reconciliation every month, ensuring that you have the financial information you need to make the best choices for your company.

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    Source by Vinson Primas

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  • Health Impact of Consuming Alcohol at Different Ages

    Health Impact of Consuming Alcohol at Different Ages

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    After analyzing the health implications of alcohol consumption on varied age groups a recently conducted study concluded that adults in the age group of 50 and above may see less severe health consequences compared to adults below the same age group. The objective of the study was neither to justify nor glorify drinking, but to study the impact of drinking on various ages. The fact still remains that people who drink heavily are susceptible to a variety of serious short- and long-term health issues.

    Some of the common health problems pertaining to heavy alcohol consumption include liver and heart ailments, cancers, and damage to the nervous system and brain. From time to time, various health and wellness articles have highlighted the fact that if an individual drank in moderation, it can have certain health benefits. To corroborate this fact, several studies have suggested that drinking alcohol within a medically permissible limit may have a positive bearing on an individual's health. For instance, one of the studies revealed that moderate to light drinking can bring down the mortality rate caused due to cardiovascular ailments.

    Having said that, while these studies have been widely read and received well by people, not all researchers stand by it and the debate still continues on the same.

    A fresh perspective

    Dr. Timothy Naimi of the Boston Medical Center in Massachusetts carried out this study, adding fuel to the ongoing debate on the health impacts of consuming alcohol. Dr. Naimi and his group of researchers analyzed the methodology that was utilized in the previous studies and found that the manner in which the previous researchers measured the impact of alcohol on health may be flawed. The researchers highlighted the fact that the previous studies were based on more general observations and they usually enrolled participants over the age of 50. Usually, the deaths attributed to alcohol consumption occurred within the age group of 20 to 49. Simply put, "one cannot include dead people in a cohort study, "said Dr. Niami.

    The team highlighted that around 40 percent of alcohol-related deaths took place before the age of 50. This made it quite obvious that the earlier researchers did not take into consideration these people and may have thus underestimated the real risks pertaining to alcohol consumption. Incidentally, Dr. Naimi was one of the first researchers to raise the concern about this bias in terms of participant age group and had published his findings in the journal Addiction in 2017.

    Therefore, Dr. Naimi reinvestigated the matter and reanalyzed the data using the Alcohol-Related Disease Impact Application (ARDIA) software, maintained by the Centers for Disease Control and Prevention (CDC). The ARDIA is a reliable application that offered state and national estimates of alcohol-related health implications including potential years of life lost (PYLL) and deaths.

    Influence of age factor

    According to the study, the level of alcohol-related risk pertaining to an individual was largely influenced by the age factor. The data analysis revealed that around 35.8 percent of deaths caused due to alcohol consumption took place in the age group of 20 to 49. On the other hand, a mere 4.5 percent of fatalities were averted due to consumption of alcohol in this age group.

    However, when the researchers looked at individuals in the age group of 65 and above, the statistics were slightly different. In this group, around 35 percent alcohol-related deaths were recorded, but it also depicted a whopping 80 percent of deaths averted by alcohol.

    However, as stated earlier, there is still an ongoing debate regarding the impact of consuming alcohol in varied age groups.

    Seeking help for alcoholism

    Irrespective of gender, age, or social standing, anyone can be affected by alcoholism. One of the stepping stones for effective recovery from alcohol addiction is detoxification. The detoxification process helps purge all toxins accumulated in the body owing to years of alcohol consumption and prepares the body and the mind for the ensuing treatment.

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    Source by Susan Navarez

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  • Living Healthy Lives By Choice

    Living Healthy Lives By Choice

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    How to live healthy and disease free for the rest of your life. Do you think that is pipe dream? If you think it is not possible, then you have already defeat your purpose. However, if you think it is possible, then I want to categorically tell you that it is can happen, and it is happening.

    I am going to tell you and show you how to make it happen for you, as it is for me and many others.

    Listen to me carefully, we are healthy by design and sick by default!

    Living a healthy life is a matter of choice we make every day by the things we do, the food we eat and drink, and overall life we live. I am going to show you how to live a dynamic, vibrant healthy life. How to live your full life and never get sick, and how do do all this without drugs or surgery.

    How to look like you have found the secret of the fountain of youth.

    Let me ask you this all important question,

    Why Are We Sick?

    If we don’t know the cause of something, it almost impossible to fix it. So, we have t0 first explore what is making us so sick, and I am sure some of the reasons that are making us sick might surprise you.

    To put it at the very basic and say, there are only two reasons why a person become ill.

    1. You “catch” something, meaning, your body picks up a germ, generally a bacteria or a virus.
    2. Your body develop an illness or a disease. That will happen because something has gone wrong in your systems, causing some imbalance.

    Something is not working as it should, and a disease or an illness develop. Examples are, cancer, heart disease, diabetes, acid reflux, arthritis, etc.

    Remember that our focus is living healthy, so now, let’s dig a little deeper in these two causes of all illnesses and diseases. And I’ll start with the first cause of catching something.

    We said before that is either a bacteria or a germ causing the problem. But look at this fact, the atmosphere is filled with these small and most times invisible creatures. Have you ever ask why some people in the same environment where others who pick up the germ and they are fine!

    Don’t tell me everyone is made up differently, and you will soon understand why this argument cannot stands the test of a day.

    I said earlier that we are healthy by design, meaning, our bodies are designed to fight off those bacteria and germs that are bombarding us every day.

    That inbuilt apparatus is called the Immune System which has two fundamental functions which are vital to the survival of the person.

    1. The Immune System is for identification of all types of micro-organisms and foreign bodies that are potentially dangerous to the individual.
    2. The Immune System is also for destruction of these micro-organisms, substances or foreign bodies.

    Our Immune System can be weakened from a variety of ways, and these are some of the most common:

    A. Under or malnourishment which is a lack of essential nutrients like vitamins and some trace elements.

    B. Stress, can either be physical or psychological. Obesity can be a cause.

    C. Chemotherapy which comes in the form of anti-cancer medication

    D. Infectious diseases come from “catching” something

    E. Dieting includes the foods that contribute in special ways to the correct functioning of the complex Immune

    System

    F. AIDS: Is the Immune System deficiency caused by a viral attacks on your body’s defense mechanisms.

    Let me remind you of the two reasons why people get sick:

    1. You catch something and your body cannot fight it off, as a result your body give in to the germs.
    2. Your body develops something in the genetically weak areas.

    In both of the above cases the causes are the same.

    A. Your Immune System is weak

    B. Toxins are attacking your body

    When we consider those two fundamental causes for illnesses, we can conclude that all sicknesses come from one or a combination of four things. This is what Kevin Trudeau in one of his books called: “Natural Cures They Don’t Want You To Know About” said about why we get sick.

    These are the four basic reasons Kevin give for all sicknesses:

    1. People get sick because they have too many toxins in their bodies
    2. We are suffering from nutritional deficiencies, meaning our cells are not getting enough nutrients in their proper proportions.
    3. We are exposed to and negatively affected by Electromagnetic Chaos (EMC).
    4. You have trapped mental and emotional stress

    According to Kevin, these are the only four reasons why our Immune System could be weak or why genetically weak areas in the body can break down, and thus allowing illness and diseases to develop.

    Although Kevin said these are the only reasons for all illnesses, I would like to add one more reason why we get sick.

    Because I want to establish this fact, or I should say this TRUTH!!

    We as living creatures called human beings are different from all other living things. Only human beings are created in the image and likeness of Elohim.

    As a result, only human beings are created in His image and likeness, meaning, just like how Elohim exist in three formalities as Father, Son and Holy Ghost, we also exist in three dimensions as body soul and spirit.

    To state it correctly, we are first and foremost spirit, with a soul in a body.

    As a result of this enlightened truth, we can also get sick from a spiritual perspective. The medical experts call this psychosomatic illnesses

    Psycho in psychosomatic comes from the root word psychic, and mean among other things, the supernatural or spiritual.

    There are researches surrounding psychosomatic illnesses which seems to provide sufficient scientific evidence that the mind or the intangible part of a person, or a person’s beliefs and thoughts, have the ability to cause physical changes in the body.

    If we are going to be Living Healthy lives, holistic healthy lives, then all three areas on man’s existence must be covered. Complete health is in spirit, soul and body.

    Therefore I will say people are sick because of these five reasons

    1. We allow too many toxins in our bodies for too long
    2. We are not eating properly balanced meals resulting us suffering from nutritional deficiencies,
    3. We are exposed to and negatively affected by electromagnetic chaos (emc).
    4. We do not properly manage mental and emotional stress
    5. We ignore the Spirit-man that is more real than the physical man

    There are things we can, and other things we cannot control. Therefore, the only way to manage those uncontrollable things, is to ensure the cells of our body are vibrantly healthy and strong to function as they should.

    One such things we cannot control is electromagnetic fields to which we are all exposed.

    What is electromagnetism?

    Electromagnetism is a scientific word in physics used to describe one of the fundamental forces of nature. This force is between subatomic particles such as protons and electrons. You have to have a basic knowledge of physic to appreciate these terms.

    Electromagnetism helps to hold matter together. It is also used to describe how a magnetic field is created by the flowing of electric current.

    Our body has electromagnetic fields and communication systems. Electromagnetic chaos come about when wireless devices like the laptops, computers, televisions and cell phones are used too frequently. And even more dangerous when we sleep with them in the bedroom.

    The resulting distortion creates chaos within the body’s electromagnetic fields and communication systems. This causes physical, mental and emotional imbalances.

    Electromagnetic chaos is a negatively powerful force and causes disease.

    When we are able to reduce, eliminate, or neutralize these powerful negative frequencies, then we can reverse the negative reactions, resulting in the “curing” of symptoms and disease.

    Living Healthy Through Balanced Diet

    There are areas where we have complete control. For example, in the area of nutrition to prevent nutritional deficiencies.

    People suffer unnecessarily because they do not eat the right way.

    The proper way to ensure you are eating a balanced diet, is to include portions in your meals every day.

    The portions should be considered in colors. So, in your daily eating, make sure you consume 50% green, 35% yellow, and 15% red. In so doing, you are covering all the basic nutritional needs of your cells.

    Eating like this is the natural way to live healthy life and cancel the imposition of nutritional deficiency diseases.

    In other words, we will not suffer from those noncommunicable diseases (NCD), that most people develop from improper or unhealthy eating habits.

    For example, we will not suffer from the disease they call cancer. If we are to reveal the truth, cancer is not a disease, but rather a nutritional deficiency.

    “According to Pharmaceutical Research, 95% of the causes of cancer are rooted in our lifestyle; our habits and rituals. The result of what we eat and don’t eat. Only 5% of all cancers have a genetic link in their etiology, (causes of cancer)”.

    The naked truth is, there is no disease called cancer. Cancer is a tumor- like growth that occurs as a result of a nutritional deficiency of vitamin B17.

    Most doctors won’t tell you this, but take it from me, only your body can cure itself!

    There are certain things you can do to help your body heal itself better, or cure itself of illness, sickness and diseases.

    I stated earlier one of the fundamental reason you are sick is because of too much toxins in your body. What that comes down to are six areas that have direct relations to toxicity in your body.

    These six areas are:

    1. Exercise

    2. Rest

    3. What goes in your body

    4. What comes out of your body

    5. Your thoughts

    6. Words you speak

    Did you know that when you are toxic your body becomes highly acidic? Good health mean your body pH should be alkaline. When your body pH is acidic, you are vulnerable to illness and disease.

    If your body pH remains alkaline, you virtually cannot get sick!

    Every single individual who is diagnosed with cancer, has a pH that is too acidic.

    One man said it all in this way – “If man made it, don’t eat it.” Put another way, eat only what comes from the plant, and not what come out of a plant.

    There is so much that could be said here about genetical modification by man of virtually all fruits and vegetables to make them more disease resistant.

    And even worse than that, how farmers have to produce more per acre in order to make more profit, by using chemical fertilizers, pesticides, and herbicides. So when you eat a piece of that fruit or vegetable, it is loaded with toxic chemicals.

    The bottom line is this, if you are going to be living healthy life and experience vibrancy and high energy, you must clean the accumulated toxins from your body.

    Live Good Health By Eliminating Toxic Built-up

    It is important to know that from a baby, you have been flooding your body with toxins.

    These toxins and poisons included everything form vaccines, prescription and nonprescription drugs, from the air we breath, the water we drink, swim and shower in, and all the chemical from the food we eat.

    You should learn about getting a full-body fat/lymphatic detox once per year. And in between that, do a complete colon cleanse, do a heavy metal cleans, do a liver/gallbladder cleanse, do a parasite cleanse, and a candida cleanse.

    Other Measures to Good Health

    You should drink eight full glasses of purified water every day. You need to drink more water, and the water must be pure. Water is necessary not only for flushing and nourishing your cells, but also for keeping them hydrated and pH balanced.

    It is recommended that if you are going to be living healthy life, you should use a rebounder (mini trampoline) for at lease ten minutes a day.

    By simply using this device on a daily basis, can provide more health benefits for your cells than almost any other form of exercise.

    A rebounder stimulates every single cell in your body simultaneously.

    It also stimulates the immune system and is amazingly effective in cleansing toxins out of the cells. The rebounder is said to be the most incredible exercise device made by man.

    If you are going to be living a healthy life, you must stop putting toxins in your body!

    If you stop doing the things that are causing your symptoms and disease, then you have in effect “cured” yourself.

    Most medical practitioners won’t tell you this, because their interest is to have you coming back to them as often as possible to sell you more drugs to suppress the symptoms.

    So, in concluding this article on living a healthy lifestyle, let me summarize:

    The best way to get rid of any and all illness and disease that you may be suffering from, and prevent them from recurring. Also to slow down or potentially reverse the aging process is to do the following:

    1. Get rid of all the toxins that have built up in your system.
    2. Stop, or at least reduce the toxins entering your body. It is almost impossible to totally prevent toxins from entering our bodies, but we can drastically reduce the amount.
    3. We must ensure our elimination systems are clean and not sluggish. That will make the toxins we put in and those develop in our body naturally are getting out freely and quickly.
    4. We are to make sure we are getting adequate amounts of nutrition in the various forms such as vitamins, minerals, enzymes, co-factors, and life-sustaining “energy”.
    5. Make an effort to reduce or neutralize the electromagnetic energy attacking our body’s energy fields and cells.
    6. Do everything to reduce stress
    7. Understand that our mind, and thoughts and words can create a healthy alkaline body pH, and actually change the way out body genetically defective DNA structures into normal healthy DNA structures.

    Remember, living good healthy is our responsibility.

    The choices we make every day determine the quality of our health.

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    Source by Adrian T Brown

    Views: 0

  • Why Is Plant Oil an Ideal Health Choice?

    Why Is Plant Oil an Ideal Health Choice?

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    Plant oils are usually extracted from different plants, especially the seeds. Just like most fats, the oils help to make food palatable, and can be used for purposes of cooking. There are many varieties of plant oils today and there seems to be no end in sight. In the local supermarkets today, there are different oils that you can choose to purchase because they are readily available.

    One thing that is obvious is how easy it is to find plant oils that are refined instead of the ones that are cold pressed and fresh. However, such oils are added to processed foods. Some are also included in cosmetics and cleaning products.

    Plant oils are not equal when it comes to health benefits. Some have more properties than others. There are some considerations that you need to make such as how the oil was made in the first place. Usually, the seed oils are first subjected to very high temperatures and sometime harsh chemicals are introduced. This makes the oil lose some of the nutrients that are supposed to be beneficial to our bodies.

    As for the virgin oils, they are ground and centrifuged to separate the oil and the seed. The extra virgin oils usually need to meet very vigorous criteria in terms of chemical composition and purity.

    When you are buying the plant oil, you need to consider how far it really is from the original form. In most cases, when refined oils are being created, they have to follow different steps. This includes mashing, bleaching, deodorizing, stripping, refining under high temperatures, chemical alterations, and so on.

    Most of the plant oils are in liquid form and are almost never in solid form. When the weather gets cloudy and cold, the oil may become cloudy. The exceptions to this rule are coconut and some butter because of the fat content that is quite highly saturated. If you notice that oil is solid, it may be an indication that it has been altered chemically especially through hydrogenation.

    Usually, the fats that are refined commercially have trans-fats. This comes during processing. What you notice is that most plant oils have a very high omega 3 content and that is why you should be using them instead of the refined options.

    The most popular plants with a high omega 3 content include:

    • Flax seed
    • Hemp seed
    • Pumpkin seed
    • Walnut seed

    The ones with higher monosaturated oil content include:

    • Olive
    • Almond
    • Avocado seed
    • Palm
    • Peanuts

    The plants with higher saturated oils include:

    • Unrefined palm
    • Unrefined coconut

    The reason why you should avoid the commercial cooking oils is that they have a higher content of omega 6. Choosing an oil that provides your requirement of omega fatty acids is always a good way to go. There are some that are able to offer omega 3, 6, and 9, which are very essential for wellness, health, and vitality. They are better than flax and fish. It is always good to know the health benefits to expect from the oil you intend to use.

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    Source by Shalini M

    Views: 0

  • Can Meditation Cure Cancer?

    Can Meditation Cure Cancer?

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    Meditation is a powerful tool of preventative medicine. It can facilitate self-healing and inspire a deep sense of well-being. In this article, you’ll learn four ways to use meditation for health and wellness. You’ll also read a profound story of how mindfulness and meditation cured one woman’s cancer.

    Let’s begin with this story of miraculous healing from “Meditation: An In-Depth Guide” (Jeremy P. Tarcher/Penguin, 2011) by Ian Gawler and Paul Bedson.

    Bernice Heals Her Cancer

    (p.274-278, MAIG)

    In 1980, Bernice Groeke was diagnosed with melanoma in her calf which she had surgically removed. A year and a half later, doctors found melanoma in a lymph node in her groin and also surgically removed that. A year and a half after that, the cancer had spread to her lungs, at which point the doctors said that it was inoperable. They said there was nothing medically they could do for her and that she had only months to live.

    Bernice decided to join a 12-week cancer self-help group. Soon after joining the group, the discussion turned to the effect of mindset on handling the physical pain and mental-emotional suffering of cancer. Bernice had never really given much thought to her mindset.

    However, as the group discussed the power of mindfulness and positive thinking, Bernice quickly recognized just how negative her usual mindset tended to be. In fact, she had taken it as her duty to be on guard and to warn her family and friends of anything that could go wrong. On the flip-side, she was also quick her warn herself and others not to get too excited about new possibilities because they were likely to end in disappointment.

    Bernice realized her mindset was the definition of a “glass half-empty” approach to life. So, after learning about the benefits of thinking more positively, she decided to change her habitual mindset. To do this, she decided to repeat the affirmation “I am a positive person” anytime she recognized herself going negative.

    About six weeks into her new mindfulness and affirmation practice, she was sitting with her husband after dinner when she experienced one of the melanomas pressing uncomfortably against her spine. Her husband noticed her agitation and asked what was wrong.

    Bernice replied, “Perhaps the doctors are right. Perhaps I’m just kidding myself. Perhaps I should just accept the fact that I’m going to die and give up on all this other stuff.” (p.275, MAIG)

    Her husband was sympathetic to her pain and he was also aware of her new affirmation practice. So, instead of just sympathizing, he replied, “Oh that’s interesting. What are you?”

    “What do you mean, what am I?” she replied.

    “Oh, I thought you were a positive person now” he said.

    Bernice reflected on this and replied, “You’re right, I am.”

    Bernice recalled that, as she said this, she felt a palpable shift inside her body, as if a switch had been turned on. From that moment on, she was able to see the positive in every situation.

    Shortly after this inner shift, she was meditating and praying in church and had a profound mystical experience of God’s Presence in which she understood the Biblical phrase “Be still and know that I am God.” From that moment on, her faith was strengthened. She found it easier to follow through on her healthy diet and her healing efforts with meditation. She also became enthusiastic about serving others.

    Within six months, scans revealed that her lungs were clear of all tumors. And, within a year, much to their surprise, doctors proclaimed her cancer-free.

    Soon thereafter, Bernice volunteered to speak to meditation groups at the Gawler Foundation telling them her story. She beamed radiantly as she spoke and her enthusiasm for life was infectious. Bernice became an inspiring spiritual force.

    Several years later, her husband died in his late eighties. Her friends and family wondered how Bernice would take his passing. After all, they had been together for over sixty years.

    While she grieved appropriately and was deeply saddened, she surprised them with her resilience. She said, “Well, you know, it is really sad that Wain died and I will miss him terribly, but it will be interesting… I have never lived on my own before. I wonder what it will be like not having to take Wain into account anymore?”

    Shortly thereafter, to help with expenses, Bernice took in a student boarder from overseas. They quickly became the best of friends. She taught him of life in Australia and he gave her company and financial support. It was a beautiful new chapter in her life.

    Then, in 2009, at the age of 93, and 26 years after her cancer had disappeared-it reappeared. This time, she deteriorated quickly.

    At first, she thought she was at fault. She went to Gawler to express her disappointment in herself. Gawler was quick to remind her of her remarkable recovery. For over 26 years, she had lived cancer-free. He reminded her that we all die of something-and that we don’t always know why. He also reminded her of her faith.

    Bernice conceded that she had somewhat lost touch with her faith and now she had some doubts and fears of dying.

    Gawler encouraged her that doubts and fears were natural human feelings, especially in the face of death. He encouraged her to mindfully recognize her doubts and fears and accept them for what they were-natural feelings toward facing the unknown. He also suggested to Bernice that dying was like “going home.”

    He reminded Bernice of her faith and encouraged her to imagine what it would be like to rest in the Divine Presence. He told her that “dying was easy, that she had led a good life, and she could look back on it with gentle satisfaction and no regrets. To die she only had to breathe out and not breathe in again. It would be easy.”

    Supported by Gawler’s words, Bernice resolved to focus on the Divine Presence and imagine herself merging with it when the time came.

    Bernice died less than a week later, peacefully. And, her funeral was a joyous celebration of her life. Family, friends, and throngs of those whom she had touched with her smiling service came to celebrate what she had meant to them.

    A beautiful story.

    4 Ways Meditation Supports Health and Healing

    So, what can we draw from Bernice’s story that can help us heal and be healthier?

    1. Your mindset affects your ability to heal

    As we saw with Bernice, her healing began with healing her attitude, her habitual mindset. She recognized her habit of looking at life through a negative and fear-based lens. She was always wary, on guard, and expecting the worst. Before attending the cancer self-help group, she hadn’t really noticed this was a mindset, or that it was detrimental-she just thought she was being conscientious, responsible, and careful.

    Bernice learned to change her mindset by affirming, “I am a positive person.”

    Now, having a positive mindset is not about making things up or making things better than they really are. It’s about noticing the opportunities that are present in every situation. It’s about seeing what can be done rather than focusing on what can’t. It’s about being present with “what is” and noticing what you can do to move things forward in a good direction.

    When you do this, you open yourself to a wider scope of possibilities and become more inspired to take positive action.

    2. The choices you make matter

    As you open yourself to a wider scope of possibilities, you realize you can choose to take actions that make a positive difference for yourself and others. Things are not “just the way they are,” they are the result of a series of choices that combine to create specific results.

    Meditation supports a state of clear seeing in which you can recognize options and make good choices. Through meditation, you become more able to choose what works and let go of what doesn’t.

    As Bernice opened to the possibility of healing, she began to make different choices. She chose to say her positive affirmations to reset her mindset. She adopted a healthier diet. She meditated daily. She increased her efforts to serve others. She widened her community.

    In time, these combined with other unseen forces to create healing.

    3. Meditation itself supports healing

    One of the most important things you can do to facilitate healing-whether it’s physical or mental-emotional-is to activate your body’s natural relaxation response.

    When you are in stress-mode, over-busy, and over-whelmed, your body restricts energy flow to digestion, immune, and higher-thought processes. Your sympathetic nervous system directs all energy outward and you lose your ability to absorb nutrients, repair your cells, and make good choices.

    Our bodies are made to alternate between periods of activity and rest. Most of err on the side of too much activity. We rush from one thing to the next and don’t allow ourselves time to consciously process the events of the day. Then, we spend our sleeping hours actively processing life in our dreams. This hinders deep rest and recovery.

    When you consciously relax, using a tool such as meditation, you activate your parasympathetic nervous system, your natural recovery and repair mode. This brings digestion, immune, and higher-thinking capacities back online. You also begin to process and integrate the events of the day, and of your life up to now, so you can let the past go and be more present with what is.

    For these reasons, it’s vitally essential to consciously activate the Relaxation Response at least once a day using a tool such as meditation for at least 10-20 minutes.

    4. Meaningful imagery supports healing

    Bernice had a strong faith in God. Because of this, she found it quite helpful and healing to imagine herself immersed in the Divine Presence. This soothed and comforted her. Her faith also prompted her to take other healing actions, serve others, and build community.

    When we think only of ourselves and our own suffering, it’s easy to get bogged down in feeling “Woe is me.” Widening your vision to realize your Oneness with the larger field of Life inspires and heals. Health and healing occur naturally as a result of the Universal Life-Force flowing strongly and smoothly through your whole being. Meditation is a powerful way to mindfully recognize blocks to this flow, release them, and center into this deeper enlivening Presence.

    Enjoy your practice!

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    Source by Kevin Schoeninger

    Views: 0

  • How to Avail the Best Health Insurance Plans in India

    How to Avail the Best Health Insurance Plans in India

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    Many people think why to buy medical insurance but the key fact is that in the present scenario having a well-designated insurance policy is beneficial for you and your family. Many insurance companies are well coming up with various types of plans and policies that fit your requirements effectively.

    There are several reasons are behind choosing health-or-medical insurance coverage policies. It is a typical type of insurance coverage plan that basically pays for medical expenses with certain terms and conditions. It is a good idea to pick the best-guaranteed insurance services from the established company.

    Another fact is that multi features based insurance policies are easily accessible in the market that allows the customers to pick their choice of plans and policies efficiently. No one wanted to get sick or hurt buy mishap can occur any time at anywhere so it is better to insured with best health insurance plans in India by availing their advanced services and instant care.

    Why people need health-insurance facility:

    Most of the people cannot able to afford the high medical private expenses and that gives the introduction of the medical insurance policy. With the help of some amount of premium, the customer can easily able to hire best-required health-insurance policies. There are plenty of insurance plans are available as per your budget and need to cover you and your family.

    The best plans for emergency or health problems cover several diseases and protect you from future concerned problems also. In the present time, many people are seeking for availing the best family health-insurance cover to stay safe.

    What is the main function of any health insurance policy?

    The typical any medical insurance is ready to serve the customer with all primary care services. The primary function of the medicals includes daily routine care, chronic condition, emergency medical assistance and pharmaceutical.

    Especially when it comes to choosing private medical facilities for treating health problems is really not affordable for all people. The middles class families are not able to afford it due to high charges. So in those cases, the accessibility of health insurance is the best way to claim for the treatments charges and get benefited.

    The Benefits of modern insurance plans

    Another fact is that the entire insurance market is booming and emerging with numerous riders and benefits for the insurance holders. One of the major facts for choosing health insurance plans in India is also due to high medical expenses. In the present time, many hospital and specific clinics are charging huge treatments charges for several treatments which are not affordable for all.

    Many people as getting aware of the benefits of medical health insurance policies are becoming more conscious to hire them. Choosing the best good health insurance policy is leading to serve the holder better financial support towards the medical treatments charges.

    As time goes all the medical treatments and charges for the medical tools or medicines are increasing day by day. The customers are willing to reduce the burden of their medical expenses by ensuring the best health insurance benefits effectively.

    So in short and simple way it is good for the family security. All the family members get a medical coverage and can be safer under the umbrella of medical health insurance plans. Choose the active plans that suits to your needs and family requirements and make your future safer.

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    Source by Suraj Anjaana

    Views: 0

  • Natural Diabetes Cure – Onion For Diabetes Treatment

    Natural Diabetes Cure – Onion For Diabetes Treatment

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    A natural diabetes cure that is beneficial is known as onion for diabetes treatment. Onion is well known for its effectiveness against a variety of conditions that include the common cold, diabetes, heart disease, osteoporosis, and other diseases.

    Onion contains chemical compounds that are believed to have anti-cholesterol, anticancer, anti-inflammatory, and antioxidant properties like quercetin. The onion shows a single vertical shoot above the ground, while the bulb grows underground; it is a close relative of garlic.

    A natural diabetes cure has found that onion has a significant blood sugar lowering action and the main active ingredient is known as allyl propyl disulphide (APDS) as well as diallyl disulphide oxide (allicin).

    APDS has the ability to lower blood sugar levels and increase insulin. Other benefits of onion are its cardiovascular effects, have the ability to lower lipid levels, are antihypertensive, and can inhibit platelet aggregation. Onions are essential for diabetes treatment.

    How onions lower blood sugar is not exactly known, however research has shown that the properties of onion can block the breakdown of insulin in the liver that prevents the destruction of insulin. Therefore, this means that the body will have higher levels of insulin, which is essential for people with diabetes.

    Onion for diabetes treatment has been used since ancient times; it makes no difference whether the onion is eaten raw or cooked. Onions (Allium cepa) belong to the lily family, which is the same family as garlic, chives, leeks, and shallots.

    Onion is a natural diabetes cure that contains a number of sulphides that are similar to those that are found in garlic, these are known to lower blood lipids and blood pressure.

    Following is a recipe for a natural diabetes cure that contains onion:

    Onion and Potato Pie

    Ingredients:

    500g Onions, finely sliced

    1kg of potatoes, peeled and finely sliced

    1 tablespoon of oil

    125g of grated cheddar cheese

    15g of butter

    2 tablespoons of chopped parsely

    2 tablespoons of chopped chives

    Salt and pepper to season

    Method:

    1. Heat the oil in a large frying pan (one that can be placed under the grill), place a layer of potato, onion and cheese and repeat ending with a layer of potato, season in between each layer

    2. Reduce the heat, cover and cook for 30 minutes. Remove and place the butter over the potato and place under a preheated grill for a further 10 minutes or until browned

    3. Remove pie from pan and slice into wedges, top a mix of parsley and chives, serve with a fresh green salad

    It is essential for diabetics to implement onions into their diabetes treatment plan, as this natural diabetes cure can help you to achieve optimum health.

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    Source by S Kennedy

    Views: 0

  • Health and Wellness Tips With A Long Fitness Life

    Health and Wellness Tips With A Long Fitness Life

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    Your health is your wealth. A healthy man is a wealthy man, literally. You may think of a tycoon who owns so much material wealth but their health troubles them. What is the point of all the material wealth if you cannot enjoy it? The money spent on doctors could have been channelled in other better avenues. Similarly, ever thought of how quick an employee gets replaced at work? You probably fell ill or a colleague passed on. The job vacancy goes up no sooner than the bad news leaves your mind.

    Therefore, it is important that you take care of your health. It is with this in mind, we have noted down these health tips. There are simply recommendations. We are free to do more or less, as per what we desire.

    1. Drink Water

    This may sound cliché but it is very important. Top of the list in good health tips to practise is staying hydrated. The human body functions mainly on water. Take a person who is fasting, they can do away with food but they are allowed to take water. Water keeps you alert and keeps your body functional. At times, people have headaches simply because of dehydration. However, most people are quick to take paracetamol tablets. It is recommended that you take between 6 – 8 glasses of water every day. Stay hydrated and you definitely will remain rejuvenated.

    2. Work out

    Among daily health tips that we should not compromise is working out. Now, you don’t need to have a gym membership. Life is not as complicated. We all want to have the gym membership but what if you don’t? You can simply buy a skipping rope and put in the cardio at home. Get a comfortable pair of trainers and have a morning or evening run. If that’s too much, walk. If you own a pet, this can be ideal timing for you to bond.

    3. Meditate

    The career woman today has so much going on in her daily activities. She ought to be a wife at home, mother and deliver at work. It is very easy to lose yourself when so much is expected of you. Among the health tips for women would be embracing meditation. Most people say they don’t have time for such but if it is important, you find time for it. Take time alone and just get lost in your positive thoughts. Visualize or even take part in yoga. You take control of your emotional health particularly which is very important.

    4. Sleep well

    Sleep is a very debatable subject. Some people prescribe 8 hours of sleep while others prescribe 6 hours. In the same line of thought, you hear of very successful people who sleep for 4 hours and are very functional. Therefore, my recommendation is sleep well. It is not the quantity but quality of sleep that counts. If you sleep for 10 hours and it’s a noisy place, you won’t rest well. You can however sleep for 2 hours in a very serene environment and get up very energetic. It is the quality that counts, not the quantity.

    A power nap in the afternoon is said to keep one youthful. I don’t know how true it is but there could be truth to it. What I know is that when you feel sluggish in the afternoon, a power nap goes a long way. There is no point of dragging through your tasks yet you can just sleep for ten minutes and be rejuvenated. However, do not be a serial afternoon sleeper and call it a power nap. That is outright laziness.

    5. Eat well

    Among the good health tips to practise on a daily is your diet. Having a balanced diet is very important. Your body will not lack anything. Similarly, with food it is the quality and not quantity that matters. You may eat so much but your body will only take up what it needs. That roast beef can be very tempting but your body will only take up the amount of protein needed. Just have the appropriate serving for you. What is not used up ends up being fat in your body.

    6. Laugh more

    As absurd as it sounds, this is the easiest good health tip you can utilise. We live in a world where everybody is focused on getting things done. People no longer savour the taste of good food. People can’t smell well brewed coffee. It is sad. People’s moods are at an all time low. To avoid this, just afford a good laugh each day. Find humour in the little things. If laughing is tedious, smile. You never know who you will smile at and they will have a great day just because of your smile.

    7. Socialise

    Perhaps you are wondering what this means? In the office setting, people don’t necessarily socialise. Everyone is doing what brought them there and are quick to head home as soon as they are done. Not many people would say they are close to their colleagues. We don’t know what challenges our colleagues may be facing at home. Similarly, people don’t know if you have challenges.

    It is a great daily health habit to socialise especially with your loved ones. Make time to be with your family. This is perfect to get away from the hustle of making a living. Through family and loved ones, you get to appreciate what life has to offer. You count your blessings and just soak in each moment.

    Leading a healthy lifestyle is an option each of us can make. It can be challenging however, since not many people appreciate healthy living. Or maybe they do, they are just not willing to put in the work. Therefore, be the agent of change. You can exemplify what healthy living is like. If you don’t practise any of the above daily healthy habits, there is hope. Just practise with one. Increase your water intake or just sleep a bit better. With time, you will reap the benefits.

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    Source by Arsanious Ayoub Daoud

    Views: 0

  • Benefits of Public Health Education

    Benefits of Public Health Education

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    Public health education can be considered an ambiguous term. It teaches the proper way to improve one’s health, and can involve only one or two people, or the population of several countries. Anything that can seriously threaten the physical, mental, or spiritual health of a wide range of people, notably due to their interactions with one another, can be classified as a threat to the community’s public health. This is why public health education becomes a necessary tool to aid people against the spread of potential diseases and illnesses. Five of the most important reasons of how public health education can prove beneficial are as follows:

    1. People are able to learn how to prevent the spread of communicable diseases through the training and methods being taught in education. People are able to have better access to information regarding general prevention of diseases, including the knowledge of what to do and how to act during epidemics in their area. Certain diseases have their own individual prevention methods that people should be well aware of, and employing these techniques lessens the risk of being infected by possible diseases. Through public health education, even simple things such as wearing a flu mask in particularly affected areas, or knowing when to take vaccines for a particular illness that is prominent at that time of the year, always proves very effective in limiting the number of people affected annually.

    2. More people are able to access private and public medical institutions to prevent diseases or medical conditions, or to better treat them. Without the benefits of a public health education, most people may feel healthy enough and not find the need to go for a general check-up. Being aware that it is necessary to see your doctor regularly is one of the important things learned in a good public health education. Most medical hospitals and clinics offer immunization or vaccine shots during the flu seasons, or when a general outbreak of hepatitis is going around, and a public health education ensures that more people know to go to these facilities and avail of the treatment, thereby lessening the amount of ill people.

    3. People are able to adopt a healthier behavior to lessen the risk of diseases being spread among themselves. Keeping things cleaner around the house, opting to lessen or quit smoking altogether, or exercising more are just a few of the many different ways taught in public health education to combat sickness and improve one’s lifestyle.

    4. People become more aware of information relating to the disease, rather than believing in just public perception. Public health education not only deals with how to prevent illnesses, it also provides details of how a disease works, which may dispel some myths and fallacies about it in society. The HIV virus for example, can be spread through unprotected sexual intercourse, but not through activities such as kissing or touching. This also helps change a person’s views towards someone infected, promoting more empathy rather than discrimination.

    5. People are able to help and contribute to disease prevention by supporting or volunteering at health care facilities. Public health education is more than just spreading information; it also calls people to actively participate in aiding others. To be able to protect one’s health, it is also necessary to protect the health of other people around you, and helps foster a more close-knit community and a better sense of camaraderie.

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    Source by Jes B

    Views: 0