Submitted by: Richard Kuhns

Taking Care or Elderly Parents can be very stressful. When they are feeling ill, there’s an endless list of doctor’s appointments and tests. Every doctor’s appointment seems to result in a medical test which in turn results in another doctor’s appointment. And doctors are never on time. In fact it usually takes over an hour for a doctor’s appointment and you don’t get paid for waiting. Medical tests? Another wait for the test and some of these tests take up to three or more hours. Doctors and hospitals can become an unwelcome way of life.

Personally, my mother has complained of fatigue, stomach and abdominal issues, and hemorrhoids for years. In addition to that she suffered from brain fog and memory loss. In the midst of her ailments I suffered from doctor’s remorse with all the appointments and trips to the hospital emergency room, testing facilities…

Her abdominal issues were due to Candida Albicans which were fueled by her adolescent desire to eat carbohydrates and little protein. Of all the choices for protein the only one I could get her to eat was hamburger. When it came to vegetables forget it.

In desperation I bought a vita mix and began making her a drink with one clove of garlic, a stalk of celery, a carrot, and a small red beet. I also added a probiotic to the drink along with some protein powder. Fortunately, she welcomed it and within a few weeks and her modified diet (limited carbohydrates) plus Golden Seal before meals, the Candida was brought under control and her memory improved significantly. A stool sample showed that she had the type of Candida that would respond to Golden Seal or oregano.

Her health and memory improved to an acceptable level. Instead of doctor’s appointments which resulted in the doctor shaking his head in confusion and ordering more tests on a weekly basis we went to every three or four weeks.

She also complained of poor vision in one eye and we consulted an ophthalmologist. She was as healthy as she had been in years so I thought it a good opportunity to have her get her cataract operation.

Even though the procedure was done outside the hospital in just a few hours it was tremendously stressful for her physiology. Brain fog and memory loss returned immediately. I had to guide her three times a day over the phone in how to apply the three different drops in her eye. She could not remember the basics and was very anxious about getting it right.

In just one day her mental and physical health slid back to zero and the special vegetable drink seemed to have little value.

One morning as I rode to work I was listening to a station that I never listen to. I didn’t know if it was an infomercial, an interview, or an expensive advertisement, but it was about vitamin B12, folic acid and Vitamin B6. My ears perked up as it was a means of replacing B12 shots she was getting every other week. The irony was that after she had the shot she became fatigued for a day and overall we couldn’t see any value in the shots plus it was another unwelcome reason to wait in the doctor’s office another hour every other week.

The radio infomercial (if that’s what it was) indicated that B12, B6 and folic acid were meant to be in combination and went on to indicate that if this product were given to all seniors, their health and memories would dramatically improve. The good news was that the B12, B6, and folic acid were administered sublingually (under the tongue) rather than in a shot and that to get things started, the person taking the treatment should take it at least once each day. Being a stress management specialist and a person somewhat in tune with nutrition, everything said made a lot of sense to me and for around $30 for a month’s supply I thought the risk was minimal plus I was desperate.

Each tablet is equivalent to a B12 shot and just after two days my mother’s memory improved to the point I didn’t need to guide her through how to use the eye drops. After six weeks, her memory improved dramatically and her brain fog is no more and fatigue is greatly diminished. Her hemorrhoids have also improved which her doctor attributes to using Tucks and magnesium oxide cream instead of baby wipes and doctor’s appointments are every six weeks.

I have no financial interest in this product and don’t resell it. I am merely passing along what I feel is valuable information that can make a difference in dealing with elderly parents. If you are interested go to B12now.com to learn more. I also take it because it is also beneficial to prevent heart disease (an option to playing the cholesterol game). If you have interest in stress management and or hypnosis cd’s please read the resource box–you’ll find real value there too–that’s what I do.

About the Author: Richard Kuhns B.S.Ch.E., NGH certified. A source for Xooma Coral Calcium and over 50 self help stress management hypnosis programs at

dstressdoc.com

and

PanicBusters.com

for overcoming anxiety panic attack.

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byAlma Abell

Property managers are one of the most important services any property owner can have. They are the ones who fill buildings with qualified tenants, keep the property maintained and make certain that all paperwork regarding the business is kept in order. Not all landlords want to have someone else manage their buildings, but for anyone who is feeling overwhelmed with the responsibilities of caring for their property or lives too far away to do the task effectively, a property manager is a necessity.

There are different types of property management, so what type of fees are charged or what services are offered will often depend on the property itself. Single family homes will usually be mostly self-sufficient because the person, couple or family inhabiting the home will typically arrange their own lawn care or trash removal services. In some instances they may also be in charge of small maintenance tasks.

This is entirely different than institutionally owned property like retail centers, banks or hospitals. In these instances the property management company will arrange all of these services to care for the property inside and out. This type of care is required to guarantee that everything will stay looking professional and safety codes are always adhered to properly.

In addition, many types of property management are perfect for home and business sellers who are no longer in the area and are anxious to get their property sold. They are able to know that everything will be ready for tours from prospective buyers or when an open house is scheduled.

Finally, a company like Rpmrincon.com helps all businesses, large and small, to track their costs and their profit. They offer a comprehensive accounting service that makes it easier at tax time to file forms and provides updated reports on a regular basis to the owners of the property.

In some instances property investors do not have the time or the resources available to manage all of their buildings on their own. Individual owners may lack the knowledge or the interest to find tenants or make repairs. For both of these types of property owners, management companies can provide an equal level of professional care.

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Submitted by: Richard Chapo

Many Americans make annual contributions to individual retirement accounts. If you haven t done so for the 2005 tax year, you still can.

Not To Late To Make 2005 IRA Contribution

Contributing to individual retirement accounts just makes sense. Most don t believe social security is going to survive for long. Even if it does, one has to wonder how small the distributions are going to be. With the baby boomer generation about to put significant strain on the system, distributions in ten or twenty years are going to be paltry.

If you failed to contribute to your individual retirement account in 2005, you have until April 15, 2006 to do so. This is also true if you contributed during 2005, but failed to deposit the maximum amount allowed under law.

The contribution limits for individual retirement accounts went up in 2005. You can generally contribute up to $4,000. If you are older than 50 years of age, the limit bumps up another $500 to $4,500. When making contributions, just make sure you note on the deposit slip that it is for the 2005 year, not 2006.

Although there are variations, individual retirement accounts come in two general forms. The traditional independent retirement account is a pre-tax contribution vehicle. If you meet salary and filing requirements, the money you contribute from your earning is excluded from your adjusted gross tax calculations. If you are looking for extra deductions for 2005, catching up on your individual retirement account contribution can create a healthy reduction of your reported earnings. The downside, of course, is distributions from traditional IRAs are taxable when you hit the relevant age limit.

The Roth IRA represents a different approach to the individual retirement savings conundrum. Essentially, the Roth IRA shifts the tax burden to the beginning of the savings cycle. In human terms, this means you get no deduction for contributing to a Roth IRA. If you don t get a deduction, why would you use a Roth? The huge advantage to the Roth is found in the distributions. Simply put, distributions are tax-free when you reach the appropriate retirement age. If you are young, say under 40, Roth IRAs typically present a better return than traditional IRAs. This is because the money invested has more time to compound and grow.

Regardless of your choice, socking away money for retirement makes sense. Fortunately, you can still do so for 2005.

About the Author: Richard A. Chapo is with

businesstaxrecovery.com

– information on taxes. Visit

businesstaxrecovery.com/articles

to read more business tax articles.

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