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  • Role of Alternative Medicine in Modern Society

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    Typically, alternative medicine differs from traditional medicine in that alternative medicine is older and what we might call unconventional or non-Western medicine. Alternative medicine does not follow the traditional science and research that current medicines undergo. Alternative medicine could also be termed complementary or traditional medicine or the therapies that can be integrated into current medicine. The staff of the National Library of Medicine of the United States classified alternative medicine under the category of complementary therapies in their Medical Subjects Heading Section. This was done in the year 2002. The definition provided was that alternative medicine therapeutic practices were not considered as an integral part of the traditional allopathic medicine. Therapies like acupuncture, dieting, physical therapy like exercises or yoga, etc. are termed as alternative medicine. These therapies are called complementary when they are used along with conventional treatments. If they are done in place of conventional treatments, they are known as alternative treatments.

    In April 1995, the panel of National Institutes of Health, Bethesda, Maryland, worked on Definition & Description, CAM Research Methodology Conference, Office of Alternative Medicine. The panel defined alternative medicine and complementary medicine as those healing resources that encompass all health systems and practices that are different from the dominant health system of a particular society or culture. Usually, therapies like ayurveda, herbal medicine, folk medicine, homeopathy, acupuncture, naturopathy, diet practices, chiropractic, music therapy, massage, pranic healing, etc. are classified as alternative or complementary medicine. People who do not find a cure, remedy or success in allopathic medicine generally try alternative medicine. Such people generally suffer from cancer, arthritis, acquired immuno deficiency syndrome (AIDS), chronic back pain, etc. Therapies included under alternative medicine would cease to be included in that category once their efficacy is proven and they are considered safe and effective. They are then considered as part of traditional medicine. An example would be chiropractors. Twenty years ago insurance would not pay for them as they were considered “alternative and ineffective.” Today thousands of people have been helped by chiropractors and they are now recognized in the medical community. A similar movement is underway in the nutritional supplement and nutraceutical industry.

    Over the years, more and more people have been using alternative medicine because traditional medicine is not working for them. The 2004 survey by the National Center for Complementary & Alternative Medicine of the United States revealed that approximately 36% of Americans used alternative medicine in 2002. If alternative medicine is used in conjunction with traditional allopathic medicine, an integrative doctor is a person’s best option. Some traditional doctors are adamantly against or simply do not believe in complementary medicine, even though research continues to show the benefits of many compounds. Your doctor should be informed about other approaches you may be using and if they are not comfortable with that then always feel free to choose another doctor. This would enable the doctor to foresee any possible complications or a better time in which to use a complementary therapy. The concern in using alternative medicine stems from the fact that some practitioners of alternative medicine do not have an accredited medical degree and therefore do not have a valid medical license. However, in recent times, many educational institutions and universities have started offering courses in homeopathy, ayurveda, siddha, unani, acupuncture, and naturopathy. The recent growth in this industry is evident by the many people demanding different, and in some cases better, care than what they are receiving in “modern medicine.” They are no longer accepting the fact that they need to suffer with pain or illness because modern pharmacy does not have a magic bullet for them.

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    Source by Darren Dunner

    Views: 0

  • I’m Angry That He Won’t Marry Me And This Is Hurting Our Relationship: Tips That Might Help

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    I sometimes hear from women who, after a set amount of time, begin to feel a little annoyance, frustration, anger, or resentment that they are not getting engaged or married. And, as time goes by these negative feelings build so that it begins to hurt the relationship. The great irony of all of this is that this whole process can actually make a marriage or engagement less likely so that it is a vicious cycle.

    I heard from a woman who said: “I’ve been with my boyfriend for five years. I hate calling him that, my boyfriend. We’re in our late twenties and that’s too old to be calling someone your boyfriend. At this point, we have lived together for two and a half years. He knows that I want to get married, but he’s dragging his feet. We own our apartment together, but other than this, there’s nothing legally binding us together. I worry that if something happened to either of us, the other wouldn’t have any legal standing to make decisions. I’m angry that he has put me in this position. I feel like he thinks that I’m good enough to live with but not good enough to marry. And I find myself short tempered and sarcastic with him because of my anger. At this rate, I feel like this whole process is going to hurt our relationship. I can’t seem to control my feelings. And I feel that I have a right to be angry. What can I do?” I will try to address these concerns in the following article.

    Understand That If Left Unchecked, This Cycle Really Can Harm Or Even Destroy Your Relationship: Many couples get caught in this cycle and they just sort of become so used to it that they start to envision that it is always going to be this way. They figure that no one is going to blink first so that they will sort of always be at a stand still, waiting to see who is going to make the first move. That’s why they often don’t even see the end of their relationship coming. This cycle has ended many relationships precisely because people begin to believe that nothing is ever going to change. And eventually, one or both of the parties decides that they just don’t want to live this way anymore.

    Consider Agreeing To Shelf The Issue And Then To Come Back To It At An Agreed Upon Time: Here’s what you have to understand. It’s possible that eventually, this issue will become a central problem in your relationship. And, when this happens, the whole dynamics of your relationship changes and this change is not for the better. It seems as if everything always come back to this one thing and you can’t seem to regain your footing or to move forward.

    It’s my experience and observation that it is better for you to put this issue on the shelf, for just a little while, if you find that it is deteriorating your relationship. Sometimes, when I explain this to folks, they think that I am telling them to give up or to just accept that he doesn’t want to marry you. This isn’t what I am implying at all. I am only saying that if you agree to shelf it and then to reevaluate, you gain a couple of things. First, you limit the damage to your relationship. In order for him to commit to you, he needs to have the peace of mind that the relationship is worthy of that commitment. The chances of this happening are less if you just can’t move past your differences of opinion on this topic.

    Second, if you can get him to agree to revisit this topic later, then he’s committed to thinking very seriously about committing at a later point in time. As far as I’m concerned, that is a huge gain and big bonus. Because as of right now, you don’t have that. And when you shelf the issue, you place your focus back on your relationship. The tension wanes and things can be good between you again. This way, when you two do discuss this again at that set time, your relationship will hopefully have recovered to the point where he is comfortable committing. If he is not, then it may be time to dig a little deeper to determine why he isn’t comfortable committing.

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    Source by Mari Deene

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  • The Only Real Cure For Irritable Bowel Syndrome

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    In this article I will talk about irritable bowel syndrome specifically IBS-D which manifests itself in loose bowel movements or alternating diarrhea and constipation. I will not talk about IBS-C which appears to manifest itself in solely bloating and constipation.

    If you have landed on this page it will be because you like many millions of others have either been trying to self diagnose your condition or more likely that you are looking for a cure. I must warn you in advance, although I have an academic background I am not a medical health professional and you should always consult a doctor before embarking on any form of treatment however mild.

    In this article I will be covering my battle with IBS for approximately 10 years and how I finally found a cure that works. Everybody has a different story when it comes to IBS-D but as I found out, we all have something in common. I will go on to discuss this in the following paragraphs but I just want to start by saying a little bit about me.

    About 10 years ago I was a young university graduate and decided to join a job that first seemed exciting with infinite possibilities. I soon learned that this job was very stressful and required a 24 hour commitment. I didn’t have a problem with working hard but I had a problem with my work environment. Many people at work were miserable, anxious, and horrible to one another and constantly testing their bodies to the limit. It seemed the norm to be constantly stressed out, have a poor diet and feel like you had no control over your life. My work was my life and my life was nonexistent.

    Within a few months I started to come into work and make my way straight to the toilet. As any sufferer of IBS-D will known this meant constant diarrhea. It didn’t matter what I ate or drank I would always have diarrhea. It was not uncommon for me to visit the toilet three or four times a day having eaten little to nothing and immediately have diarrhea.

    Slowly I just got used the feeling and for whatever reason I thought nothing more of it. As soon as I would eat I would not feel at ease until I had gone and empties my bowels after which I immediately felt better. Along with the diarrhea I would lose water from my body which I never had time to replace so I looked like a dried out prune. Over 5 years I continued to do this to my body hoping that I would find a better role in my job and finally this would all stop.

    It certainly did not go away in fact into my 6th year of IBS-D suddenly out of nowhere I started getting debilitating cramps followed immediately by diarrhea. I would have these cramps 5-10 times a day and would literally need to run to the toilet or feel like I was about to soil myself. This made it difficult to be effective at my job which then created a vicious cycle causing my IBS-D to completely go out of control.

    I suddenly thought that I had developed cancer and stated reading everything on the internet about what disease matched up with my symptoms. I found quite a few which is why self diagnosis is not such a wise idea. I went to my doctor and we stated off with a course of antibiotics as he thought I might have developed in infection after an episode of food poisoning.

    This didn’t have any lasting effect and soon I was back to him demanding more in depth tests. This started a with a breath test to rule out food allergies and went onto multiple blood tests to eventually eliminating ulcers, colitis, coeliac disease, Crones disease gut infections, etc. I then went to the next and final step which was endoscopy of both the upper and lower digestive tracts. This all came back negative too. Finally I was diagnosed with severe IBS-D. In one way I was relieved to know that I didn’t have something like colon cancer but at the same time I was depressed thinking IBD apparently has no cure.

    The next chapter of my life involved trailing a long list of medicines in the hope that they would resolve this issue. Now I want to tell you that of the drugs that I took, there are many people out there that rave about some of these drugs and what it has done for them. That is great as everyone’s body is different and what works for you may not work for me.

    I am addressing the huge numbers of sufferers worldwide who like me have tried everything under the sun and were unable to find a cure. Now the following is a non exhaustive list of drugs which I tried and the results by their side.

    Fibre (ineffective) Made things worse

    Pre & Probiotics (ineffective) At first seemed promising but quickly stopped working

    Exercise (ineffective)

    Drinking Lots of water (ineffective) Made things worse

    Exclusion diet (ineffective) Some foods like cheese, chocolate, spice made my IBS worse but exclusion of all the culprits did not resolve matters.

    Anti Spasmodic (ineffective) Lots of different brands but all useless

    Imodium (ineffective) Helped a little with the diarrhea but certainly not the cramps

    Tri Cyclic Anti Depressant (ineffective) Has a drying up effective at first but quickly runs out

    Hypnotherapy (ineffective) Very insightful and relaxing but not enough by itself

    At this point the consultant G.I specialist had run out of ideas and I was left to suffer on my own.

    Having done countless hundreds of hours of research I came across the answer. In Islam we believe that for every single disease God has made a cure so go seek it.

    These are my opinions on IBS-D;

    IBS-D will not kill you, it can easily be treated and there is nothing seriously wrong with you

    IBS-D Is a functional disorder which is caused 99% by stress be it conscious or subconscious

    IBS-D can only ever be treated by dealing with the cause behind the problem and not the problem itself

    IBS-D affects people generally in the Western world where the 24/7 lifestyle and pressures of society cause people to be stressed out beyond limits and this is often brushed off as mild anxiety or depression.

    So here is the magic bullet you have all been waiting for that worked for me and if my concept is correct should work 100% without fail for genuine IBS-D sufferers.

    First accept that you have IBS-D because you are under pressure consciously or subconsciously and this is your body’s way of warning you that enough is enough.

    I spoke to my G.P and asked for Venlafaxine XL which is an SNRI antidepressant. I choose this specifically because it had constipation as one of its side effects; it was a powerful antidepressant and reduced visceral hypersensitivity.

    Within 6 months at 150mg a day I had completely 100% recovered from any symptoms of IBS-D.

    So how did it work? It is simple; the vicious cycle of stress, followed by cramps followed by diarrhea was broken. I no longer worried every time I went out if I had been food poisoned or where the nearest toilet was. It just let me get on with life without thinking about IBS and soon I was able just stop worrying about IBS and that is it.

    Every single person reacts differently to different antidepressants so try them and see which one works best for you. Whilst you are on them you could try using hypnotherapy to make you understand that if you take the stress away then you break the cycle. It’s your thoughts that control your bowels. Controlling your thoughts will help control you’re IBS but as I said before hypnotherapy is ineffective on its own.

    The only other drug that I have used when coming off Venlafaxine was a benzodiazepine called Alprazolem, brand name XANAX. In the UK this is not prescribed on the NHS so you will have to get it by private prescription. This drug can be addictive but if you have good self control it is an excellent drug to use on a controlled as needed basis. One tablet of 0.5 mg and I would be saying what IBS? You have to be very very careful not to increase your dose or develop a habit for this drug. You should also know it can develop tolerance and so you will then need to start increasing your does. Use it like it is supposed to be used as a treatment for IBS and not recreationally for you pleasure and you will have no problem.

    Finally I’d like to conclude by saying that if I didn’t have God in my life I probably would have given up long ago. Now I have my life back and am free from IBS-D. God always gave me hope so never give up the search for treatment and treatment starts with knowledge of your condition. So don’t make the mistakes I made and loose ten years of your life before realising that we are all human and we all have breaking points. If you have gone past that breaking point your body will tell you one way or another so listen to your body.

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    Source by Jordan James Sinclair

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  • Follow the Yellow Brick Road to More Sales

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    When Dorothy landed in Oz, she wanted to go home and was told by the Munchkins to see the great and powerful Wizard of Oz. “But how do I find the Wizard”, she asked. “Follow the Yellow Brick Road”. “And the best way to start, is at the beginning”. And that holds true for the Sandler System as well. Start at the beginning.

    The beginning step in the Sandler Sales Process is to establish bonding and rapport with your prospect. Once you’ve created a good relationship with this person, you can then set an up-front contract on what you will discuss, typically their agenda and yours, with a specific outcome in mind. This up-front contract should lead them down the path towards revealing some pain. If there’s no pain to reveal, then you can shake hands and part as friends, and move on to the next prospect. However, if you do reveal some pain, then you schedule a next meeting where you can delve deeper into the prospects issues and pain.

    THE PAIN FUNNEL IN ACTION

    Let’s look at a sample story showing the pain funnel in action. In this story, our sales person works for a contractor who builds navigation systems for fighter jets, and has an appointment to see Henry Jones. Henry has an engineering background and is very technical in nature. Watch how the sales person starts out using the questions from the Sandler Pain Funnel to better understand his prospect, and then slowly moves Henry through the funnel towards a sale. The questions are broad at first, but then become more specific and designed to make the prospect more emotional. The idea is to grasp Henry’s problems and lead him to reveal how the problems affect Henry personally.

    Henry starts by asking the salesperson, “Can you design a system that will easily retro- fit our F-16s so that rewiring will not be problematic?” As you can see, this is a very technical question for a very technical problem. The salesperson can try one of one two things: answer the question directly and speak about the product’s features and benefits, or try to uncover the real intent of the question and ultimately, if there’s any pain. In this example, the salesperson employs the Pain Funnel to dig for the pain behind the prospect’s question. The salesperson responds, “You know, that’s a great question. Can you tell me more about that?” Henry answers back, “Yes. We’ve had some experiences retrofitting F-16s with different types of equipment and ran into some challenges. It takes a very long time to rewire the system, and that becomes problematic when you have to disconnect wiring harnesses and lots of other systems that are related to whatever it is we are installing.” The salesperson probes, “Can you be a bit more specific? Give me an example.”

    Keep in mind, each and every question the salesperson asks comes from the Pain Funnel. Even though the questions are in order, you can tell it offers a very smooth arc to the overall conversation. If you have internalized the questions and the process, it won’t feel awkward guiding a prospect through the Pain Funnel in exactly the order prescribed.

    Henry continues, “Well, recently we had to retrofit replacements into the planes. We had to take out the ejection seats and remove some of the navigational systems. We even had to get into the hydraulics. So, what we originally anticipated would be a 25-hour job turned into a job that lasted close to 200 hours. It’s not so much the hours that really bothers us as the amount of time the fighters have to be out of service in order to get it done.” The salesperson continues down the Pain Funnel, “How long has that been a problem?” “It’s been two years that we’ve been dealing with this,” Henry replies. “OK. What have you tried to do about that?” the salesperson asks, following the Pain Funnel method exactly.

    Henry answers, “We talked to a contractor to see if there was a possible fix, and they came up with some recommendations.” The salesperson goes to the next Pain Funnel question: “And did that work?” Henry responds, “The only potentially viable solution they came up with was to redesign the entire system. That would actually take the planes out of commission for even longer.” The salesperson asks, “Do you have any idea how much that would cost you?” “A lot. But it’s not just dollars. It also puts peoples’ lives at risk. Every day that one of those planes is out of service, we risk not having a jet ready to protect people”, Henry says more emotionally now. “How do you feel about that?” the salesperson asks sincerely. (Or alternatively, the salesperson could ask, “What’s your level of commitment to seeing if there is a way to make sure this problem doesn’t happen again?”) “Honestly? We’re very upset this is happening, and we have to get it fixed. We need solutions that minimize the amount of time these planes are out of service. Do you think you can help us?”, Henry pleads.

    THAT’S HOW IT WORKS

    In our prior scenario, the salesperson effectively uncovered Henry’s pain. So what’s next? Uncover even more pain. An effective Pain Step means uncovering 3 to 5 elements of pain the prospect is dealing with. However, don’t use the same approach each time, vary it a bit to keep the prospect unaware of what you are doing. A classic bit of sales wisdom is, “The best presentation you will ever give is the one the prospect doesn’t see.” Since the prospect has revealed to you what to present in order to win the sale, you will want to move forward in the sales process by offering direct solutions that relieve his pain. However, don’t do it right away. First, be sure you really have uncovered three to five pains, and done a good job on the Budget and Decision Steps. In other words, stay within the Sandler Seven Step process. At this point, you will be ready to present the appropriate solutions in the Fulfillment Step. Moreover, if you’ve done your job correctly, like Dorothy did, and followed the Yellow Brick Road to Oz, all you need to do is click the Ruby Slippers together and the deal will close itself, and may even take you some where over the rainbow!

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    Source by Greg Nanigian

    Views: 0

  • Data Science in Healthcare: Applications That Are Changing the Health of the Masses

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    Data is everywhere and it would be foolish not to use it for the betterment of various sectors and the general public. This is the reason why the medicine and the healthcare field are using big data as an effective tool to gather data and analyze the same. It can help improve the existing technologies and also will help in developing new ones, prevent any kind of epidemic, lower the costs of diagnosis and treatments, etc.

    Big data will help the doctors to make informed decisions at a better pace making less mistakes. Data will also help in getting a bigger picture of the population as a whole by identifying the larger problems which can be a problem after 20 years.

    Some of the major uses of data science in the field of healthcare are discussed below:

    Staffing

    Deciding the proper number of doctors, nurses and other staff in various shifts are big decisions as overstaffing means extra costs and understaffing means fewer staff to treat the patients. With data science and various machine learning techniques, one can find the patterns in hospital admissions in the last few years and can also get predictions regarding future admissions. This will help the management in making correct shift staffing decisions.

    Wearables

    Another use of data science is wearables which are certain equipment that can be worn by the patients. These instruments will be capable of collecting medical data about the person wearing the same and this will be collected in the database which can be helpful for comparing various socioeconomic factors and health in general. It will also be helpful for the concerned person’s doctors to be alerted when the health deteriorates.

    Predictive analysis

    Doctors need to diagnose health problems, and having pre-existing data can be very helpful. Big data techniques can help doctors predict the disease within a very small period, as this can provide the patients with the timely treatment. Also, the electronic health records help a lot in certain complex cases which requires medical history.

    Web medicine

    With various digital devices now into play, the telemedicine approach has become much stronger and more improved in the last few years. Now patients can talk to and consult with doctors from home using various means like video conferences, chatbots, etc. Here data science can help in the diagnosis of the diseases easily, even if the patient is not admitted to the hospital. Also, by using the big data tools, technologies are being developed which can perform robotic surgeries which require a lot of data delivery to the software in real-time.

    Security

    Data science is also helpful in making sure that the patients and the hospitals do not go through any kind of forgery. Using streamlined data, inconsistencies and frauds can be recognized much earlier, thus preventing loss of money and other resources. Big data tools will help in correcting the insurance procedures by preventing faulty and fraudulent insurance claims and also will make sure that patients are compensated while the hospitals are paid in time.

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    Source by Shalini M

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  • Your Lifestyle and Hypertension (Part 1)

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    Hypertension is a chronic (long term) medical condition which is characterized by a persistent increase in the blood pressure in our arteries. This is why it is also called High Blood Pressure (HBP). We may have come across it in many literatures being referred to as a silent killer! Yes. It sure is one. Nobody wants to reach the end of the time of life, at least not at an age when much work is still left undone, words left unsaid, and special people left unloved. This is where it gets a little dicey. More than 50% of those with hypertension do not even know that they have it! More like an insecure king wining and dining with a traitor and a lot of times many more traitors as we shall come to realize in prospect.

    Here are some epidemiological facts to serve as an eye opener for us to understand what is really at stake here

    Hypertension is generally of two types. A primary type and of course a secondary type. The primary type is caused by non-specific factors involving one’s lifestyle or genetic predisposition. These factors include but are not limited to smoking, obesity, high salt intake, sedentary lifestyle, depression and it accounts for over 95% of the total hypertensive individuals. The remaining 5% or thereabout have the secondary type of hypertension which is due to or secondary to known pre-existing causes such as chronic kidney disease, hormonal abnormalities, use of birth control pills, pregnancy, coarctation of the largest artery in the body, the aorta and stenosis of one or both renal arteries.

    Fortunately, hypertension is one of those medical conditions which are readily preventable and then proper treatments, preventive techniques and management strategies are well utilized. This means there is virtually one way to know your Hypertensive status. This is in essence but in fact that it is by getting your blood pressure checked frequently. Hypertension if left unchecked, could cause any of the following:

    1. Coronary artery disorder; a diseased of the blood vessels that supplies the heart itself with nutrients and blood

    2. Heart failure

    3. Stroke

    4. Blindness

    5. Chronic Kidney Disease

    6. Peripheral Vascular Disease

    7. Multiorgan Failure

    8. Death

    Why must I examine my lifestyle?

    I would start with those who love salt so much that we even salt our soft drinks, drinking water and bathing water. I would have to bring our minds back to the Ebola virus outbreak in Nigeria some years ago where different sacrilegious ideas came up from nowhere advising people to chew kolanut with salt water and to have their bath with salt water. I hope we know that many people supposedly died of this act than from the disease outbreak itself.

    The normal and most striking attribute of salt in the body system is to pull along with it as much water as it can. Hence, engorging the blood vessels and making them overloaded with fluid. The heart in response to this starts to overwork itself so as to compensate for the unnecessary increase in volume it has to pump per cycle. Before you know what is happening, the heart begins to fail until it eventually gives way to stress.

    Next is smoking. This one is very bad and its medical significance goes beyond hypertension. It is the single most important factor for developing coronary artery disease. Smoking grossly increases the chance of getting down with hypertension in the long run. Its close relative, Alcohol is also a major stakeholder in the world of lifestyle diseases. Hypertension gotten via one of these is not good let alone combining both alcohol and smoking. I can imagine the great wall of Jericho falling flat once more.

    Worthy of mention also is a very common one of which virtually everyone is a culprit. This is exercise. The standard approach about this is that one should have at least 30 minutes of exercise each day for at least 3 days in a week. This is the minimum you are permitted to go. Exercise simply helps your heart to improve in its function and enable it to cope with increased workload barring any case, you might have gotten engaged with much salt or other substance that overloads your blood volume. Also, your heartbeat is increased and blood flows faster. These and many more are the wonderful effects of exercise on your body.

    There is a serious relationship between hypertension and obesity. Obese individuals usually have impaired carbohydrate, protein and lipid metabolisms. As such, they usually have a strong tendency to have Diabetes Mellitus and under-utilized high level of glucose in the blood is just as harmful as salt in the blood. Bad lipids are often times deposited on the walls of their arteries thereby reducing their diameters and restricting the flow of blood in it. This is one of the causes of hypertension in the obese; increased peripheral resistance of the blood vessels.

    Lastly, on this episode of your Health column, it would suffice to say that what we see is what you eat. Much need not be said about this. Eat well, eat smart and eat right!

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    Source by Nelson U Udeme

    Views: 0

  • Annuities and Tax

    An annuity is simply a “series of payments made at equal intervals.” That means that your mortgage, insurance, savings, and pension are all annuities. Mostly what makes something an annuity is the regularity of the payments. But the kind of annuity we are talking about here is the kind of long-term investment where you pay into it over time, and then you collect payments from it over time – often for life.

    How Annuities Work

    Usually, the funds that are paid into the investment are tax-deferred until you start accepting annuity payments. The taxes you pay are only regular income taxes too, which means that you pay taxes on the income just like you would any other income you receive. However, you can purchase annuities with after-tax money too. If you do that, you don’t have to pay taxes when you receive it until you receive your principal back. All earnings from annuities are subject to ordinary income tax.

    Immediate Annuities

    The two types of annuities, immediate and deferred, both require you to pay ordinary income tax on your earnings. An immediate annuity is when you give the entire principal to the insurance company, and then they invest the money and set up equal payments to you for your whole life right away with no waiting.

    Deferred Annuities

    As mentioned above, you can also buy an annuity with after-tax money – in which case only a portion after your principal is taxable. The deferred annuity means that you may not receive payment for several years while you keep investing your money and let the money keep growing tax-deferred until retirement. After that, the rules are the same; you pay taxes on the income you receive from each payout.

    Ordinary Income Tax

    You only pay taxes on your earnings at the ordinary income tax rate. What’s really exciting about this is that once you retire, your income will go down as you won’t have income from working. You may then be receiving social security retirement, your annuity, and other investment payouts. But at least on the annuities, you’ll only pay ordinary income tax on your earnings.

    Annuities are a good idea if you believe you’re going to need a set income for life. You will pay ordinary income taxes on it and you don’t get a better deal than you’d get if it were considered capital gains, but you do get a safe investment that guarantees you money for life. It’s all dependent on what risk level you like to take on investments. And, as always, it’s a good idea to diversify your investments so that you have many options when you retire. As to how annuities are taxed in states versus the federal government in the USA, you will have to check with your state as it’s different in each one.

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  • How To Cure Borborygmi (Borborygmus)

    How To Cure Borborygmi (Borborygmus)

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    Borborygmus (or Borborygmi being the plural) is the term given to loud rumbling stomach noise which occur when food/gas is passed through the stomach, intestine and gut. Borborygmus is the term given to this and occurs in both humans and animals.

    This condition can be a very embarrassing, painful and annoying condition for those who suffer from it. Many of it’s symptoms can be compared to Irritable Bowel Syndrome (IBS) such as diarrhea, stomach bloated, stomach gurgling and many more.

    This condition is easily cured or remedied with a simple change in diet once you know what causes it. I was a personal sufferer of this condition and since changing my diet I have been symptom free for over a year now.

    What Causes Borborygmi?

    Borborygmi is the sound of undigested carbohydrates within your digestive system. Many foods produce carbohydrates, some foods are far worse than others. For those who suffer from borbrygmi should carefully select the carbohydrates that they eat and try to avoid the ‘unnatural’ or unsuitable foods that cause borborygmus.

    The most likely foods that cause thos condition include:

    • Milk
    • Wheat
    • Oats
    • High sugar fruits
    • High sugar vegetables
    • Beans
    • Bread
    • Sugar (particularly fructose)
    • Gluten

    Many of the foods listed above are simply not natural for human consumption. Foods such as wheat, sugar, bread and even milk. This may come as a surprise but foods that are ideal for human consumption are foods that the caveman would eat such as meat, vegetables, fruit With the increase of such foods into our diet over the last 100 years conditions such as borborygmi and IBS has increased significantly.

    How To Cure Borborygmi

    With the cause of borborygmi now established it gives us a better idea of how to remedy this condition. Ideally you should look to restrict your intake of foods to very low sugar items. Items with a very low GI rating and items with very little carbohydrate content. These items are digested over a longer period of time and are more natural and easier to digest. These foods by their very nature cause very little gas, it is the gas that is created that will cause very loud abdominal pain, stomach bloating and……..borborygmi.

    A diet plan is the best approach to curing this problem. I have written a more indepth view of borborygmi which is called Common Causes of Borborygmi, check it out, many people have commented on the help it has provided them.

    Once you eliminated these problem foods then you should ideally remain eating them for a couple of weeks to give your body enough time to adjust to this new way of eating. Once this two week period has elapsed then slowly introduce high protein and low sugar foods into your diet one week at a time. There is more information on this diet and cure for borborygmi on the link above.

    Good Luck….

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    Source by Alan Kings

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  • Tips For Choosing An Eye Care Doctor

    Tips For Choosing An Eye Care Doctor

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    Taking care of your eyes is good as giving importance to your overall health. That is why choosing your eye care doctor is considered as an important health care decision. Remember that you will trust your sense of sight to this professional to help you maintain a clear vision for life. Here are some tips to remember so you can choose the best doctor to care for your eyes.

    You have to know the complete name of the doctor. This is important for you to check his record if he is really licensed by a state regulatory board. Search for the professional regulations website in your country. You can either search for his name on the database or ask a certification from the regulatory board as proof that this person is qualified to diagnose and treat various eye-related concerns. Take some time to research on his professional experience as well. Having a wealth of experience under his name speaks more of his credentials and credibility as an eye health care professional.

    Check out some printed and online resources. Did he receive any recognition for his outstanding practice for the past few years? Was he involved in anything that showcases expertise in his profession? Does he involve himself in any charity work together with other eye care professionals? This information will give you a hint on how active he is within the same community.

    Next is to know if this doctor offers wide range of services, especially the types of services you need. You would definitely be more comfortable going to that person for consultation if you know that you will have all that you need in just one place, thus saving more time and energy on your end as a patient.

    Then check for reviews from former patients through their websites or blogs. These are the people who had their first hand eye care experience with that ophthalmologist. Send an email and ask to meet with these people in person. Ask as many questions as you can and keep note of their answers and how they rate his expertise and service based from their personal experience.

    It is also worth to check if he has a website of his own. These professionals should have their own site as this also serves as their brand and identity online. Check the sites that link to his website. You can expand your research by scanning those online resources that links to him. These may be some of his other former patients or those who are also asking for more information about his expert services.

    As soon as you are armed with all the information that you need, then take time to go to his clinic. Do an ocular if you can. Was the entire place maintained neat and clean? How many patients were there during your visit? Check if they have modern eye care facilities and if they have friendly staff who patiently answers all your additional questions about this doctor’s products and services as well.

    These are just some of the important tips that you need to do in order to choose the best eye care doctor to take care of your vision. It may take weeks or months before you can zero in on one, but that’s fine. Remember that you will have him take care of your vision as long as you live, that is why you only have to settle for the best practitioner in your area.

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    Source by Wade Lockstock

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