Saturday, October 13, 2012

Take Five,some music for the soul,eh!

Five minutes of your day, lower your blood pressure, and stress should melt away. Thanks to Aubrey for this, Enjoy!

http://www.youtube.com/watch_popup?v=GBaHPND2QJg&feature=youtu.be

Friday, October 12, 2012

Tips to lower your blood pressure naturally


As I have high blood pressure, I found this article interesting so I hope you do as well--enjoy

5 Tips to Lower Your Blood Pressure Naturally  by  Marisa Pellegrini, ND posted June 3, 2012
Has your doctor or pharmacist told you your blood pressure is too high? Elevated blood pressure, also known as hypertension, is two or more blood pressure readings greater than 140 mmHg systolic (top number) or greater than 90 mmHg diastolic (bottom number). Try these easy steps to lowering your blood pressure through diet and lifestyle: 

Low-Salt Diet

Minimize consumption of restaurant foods and packaged foods, including canned soups and frozen entrees, which may be high in sodium. Read food labels and eat less than 1,500 milligrams of sodium each day, or about 3.75 grams or 2/3 teaspoon of table salt. Leave the salt shaker behind and be creative with herbs and spices. Explore ways to enhance the taste of foods with salt-free flavors such as lemon, garlic, ginger, sage, rosemary, thyme and curry.
 

Moderate Physical Activity

Increase physical activity to 30 to 60 minutes a day.  Remember that every little bit counts, including taking the stairs, walking around the block on breaks, parking farther away in the parking lot, or getting off at an earlier bus stop. If you are overweight, a loss of 10 pounds can help lower your blood pressure. It is always a good idea to schedule a physical exam with your doctor before starting an exercise program. 

Moderate Alcohol Intake and No Smoking

Avoid smoking and excess alcohol as these can increase your blood pressure. Substitute with delicious nonalcoholic fruit drinks and herbal teas such as hibiscus tea, pomegranate juice and green tea.

Stress Reduction

Find calming ways to decrease your stress and blood pressure through deep breathing, meditation, counseling, yoga or qigong. 

Eat More Fruits and Vegetables

Fruits and vegetables provide great sources of blood pressure-lowering nutrients such as potassium and magnesium. Magnesium-rich foods include black beans, okra, spinach, pumpkin seeds and squash seeds. Unless you have kidney disease, you should increase consumption of foods high in potassium such as apricots, bananas, beets, Brussels sprouts and cantaloupe. 

These simple dietary and lifestyle changes are safe and effective ways to lower your blood pressure. Uncontrolled hypertension puts you at an increased risk for heart attack, heart failure, stroke, kidney damage and blindness. 
If you have hypertension, a naturopathic physician can help you explore herbs and nutritional supplements to control your blood pressure and stay healthy.
 Marisa Pellegrini, ND naturopathic physician and resident at Bastyr Center for Natural Health, the teaching clinic of Bastyr University.

Thursday, October 11, 2012

Retirement planning advice that's effective

I have been posting about retirement planning and doing some reading about it, as I think younger folks should start planning, but good advice is hard to find. The following article has some interesting advice and so I thought I would share. The article is by  Steve Vernon and can be found here
(MoneyWatch) That sound you hear is not me kissing up to my boss at CBS MoneyWatch, executive editor Jack Otter, as I write complimentary things about his new book, Worth It ... Not Worth It? Simple and Profitable Answer's to Life's Tough Financial Questions.

No, the sound you hear is the money you'll be siphoning from banks, insurance companies, car manufacturers, home contractors, salespeople of all types, expensive health clubs, and attorneys. Then you'll deposit the money you've saved in a low-cost index fund that will appreciate to gazillions by the time you retire. But you've got to read Jack's book to find out just how to turn your savings into a stash of cash.

Jack's chief premise is that for the vast majority of your financial needs, the simpler, less confusing, and cheaper answer is the right one. (I agree, and I subscribe to this philosophy in most of my retirement planning posts at CBS MoneyWatch.) Throughout his new book, Jack explains how to get the most value from your purchases while you're working; that frees up more money to save for retirement, which you'll do by investing in a low-cost, balanced mutual fund. That's certainly a simple yet effective formula for financial success in life.

Since my beat is retirement, I took particular interest in Jack's recommendations for assuring that your golden years won't rust out. Let's take a look.

The first step -- and it's a critical one -- is to save 'til it hurts. Use an online calculator to estimate how much you'll need for retirement. Several surveys show that people just aren't saving enough for retirement, and, instead, are only guessing at how much they'll really need. Result: They're guessing way too low. Jack recommends putting as much away in savings now -- even if that means giving up some of the things you really enjoy -- in order to be able to afford retirement later.

Now let's look at some basic retirement planning questions that Jack answers and whether I agree with his philosophy or not.

Save for your kids' college or for your retirement?
Jack's answer: Retirement, although if you're clever, you can save for both.

Check. Even if your kids need to take out student loans to pay for college, that's a better choice than having to move into your child's guest room down the line because you didn't save enough for retirement. Information in the book describes how to best save for your children's college costs.
Social Security at age 62 or 70?
Jack's answer: Age 70.

Check. By putting off taking your Social Security benefits until you're 70, you'll most likely increase your lifetime payout and improve the financial status of your spouse if you pass away first.

Your own Social Security benefits vs. your spouse's?
Let's elaborate on this question. Should your spouse take the Social Security benefits based on your earnings record, or based on your spouse's earnings record? Jack's answer is "both." By making use of the "file and suspend" maneuver, you can maximize your and your spouse's lifetime payout.

Check. This is another great way to get the most from your Social Security benefits. Click on the link to my post below for details on this strategy.

Fixed annuity vs. variable annuity?
Jack's answer: Fixed annuity.

Check, although Jack limited his comparison to variable deferred annuities that typically have high expenses and commissions. There's a little-known immediate variable annuity from Vanguard that's a good deal for those who want to take some risk in the stock market for the potential to realize increases in their retirement paycheck. But it's not a simple product, so it doesn't necessarily meet Jack's criteria.
You can buy low-cost annuities through Vanguard's website, using the annuity bidding platform from Hueler's Income Solutions. It's the best way to buy fixed or inflation-adjusted annuities, and you won't be dealing with insurance agents. It's worth considering to have a lifetime retirement income.

Fixed annuity vs. managed payout fund?
Jack's answer: Fixed annuity.

Check, but don't put all your retirement savings in an annuity. You'll want to invest some money in a diversified portfolio of low-cost index funds, which Jack also recommends.

Roth IRA vs. traditional IRA?Jack's answer: Roth IRA.
Partially agree. Jack's thought is that if you save the same amount of money in a Roth IRA that you would have saved in a traditional IRA, then you prepay your income taxes with other money that you might otherwise have just spent. This can leave you more money in retirement. Good point.
I also agree that the Roth IRA vs. a traditional IRA decision is a bet on whether your income taxes will be lower or higher in retirement, and that it may be hard to accurately guess your income tax rates in retirement. But for people currently in their 40s and 50s who are in their peak earning years, I still think it's a pretty good bet that their income tax rates will be lower when they retire. If this describes your current situation, you can get the best of both worlds by using a traditional IRA; then, estimate how much in income taxes you'll save now and add that amount to your retirement savings.
OK, so I had to disagree on one point, just to prove I'm not a total suck-up!

The rest of Jack's book offers great advice on getting good value on insurance, spending, and saving, and it gives good advice for people of all ages. I'll be giving copies of his books to my kids. Ooops - there goes that sucking-up sound again!

Editor's Note: MoneyWatch Executive Editor Jack Otter did not assign or edit this article.

Wednesday, October 10, 2012

Your Duck Is Dead -- Health Care Billing

My thanks to Joanne for this:

A woman brought a very limp duck into a veterinary surgeon. As she laid her pet on the table, the vet pulled out his stethoscope and listened to the bird's chest.

After a moment or two, the vet shook his head and sadly said, "I'm sorry, your duck, Cuddles, has passed away."

The distressed woman wailed, "Are you sure?"

"Yes, I am sure. Your duck is dead," replied the vet.

"How can you be so sure?" she protested. "I mean you haven't done any testing on him or anything. He might just be in a coma or something."

The vet rolled his eyes, turned around and left the room. He returned a few minutes later with a Black Labrador Retriever. As the duck's owner looked on in amazement, the dog stood on his hind legs, put his front paws on the examination table and sniffed the duck from top to bottom. He then looked up at the vet with sad eyes and shook his head.

The vet patted the dog on the head and took it out of the room. A few minutes later he returned with a cat. The cat jumped on the table and also delicately sniffed the bird from head to foot. The cat sat back on its haunches, shook its head, meowed softly and strolled out of the room.

The vet looked at the woman and said, "I'm sorry, but as I said, this is most definitely, 100% certifiably, a dead duck."

The vet turned to his computer terminal, hit a few keys and produced a bill, which he handed to the woman.

The duck's owner, still in shock, took the bill. "$150!" she cried, "$150 just to tell me my duck is dead!" 

The vet shrugged, "I'm sorry. If you had just taken my word for it, the bill would have been $20, but with the Lab Report and the Cat Scan, it's now $150."







Tuesday, October 9, 2012

New report compares Obama, Romney health plans

The following is from a website BenefitsPro.com  that helps benefits brokers, HR managers, and retirement advisors get the information they need to keep their finger on the pulse of the ever-changing benefits community. 

I thought it would help those of us who are in countries that have national health care funding  to  understand the differences between the two parties in the US on health care and funding, but it will not help us understand the angst and the issue surrounding health care in the United States


The number of uninsured Americans is estimated to increase in every state and to 72 million nationwide by 2022 if Republican presidential nominee Mitt Romney wins the election and has his health care plan enacted, according to a new Commonwealth Fund report released Tuesday.

That compares to 27 million uninsured by the same time if President Barack Obama’s Patient Protection and Affordable Care Act is kept in place.
Children and low- and middle-income Americans will be hit particularly hard with the repeal of the PPACA, the report says.
“There are stark differences between what each candidate has proposed for our health care system, and this report shines a light on how Americans might be affected, based on their age, their income, and where they live,” says lead report author Sara Collins. “The report finds that repealing the Affordable Care Act would significantly increase the number of Americans without health insurance, limiting their ability to get the health care they need and exposing them to burdensome medical bills and debt.”
The Romney campaign called the fund’s portrayal of Romney’s proposals inaccurate.
“The Commonwealth study sadly contributes little to the health reform conversation that this country deserves,” Romney spokeswoman Andrea Saul told CNN. “It badly mistakes Gov. Romney's proposals. Worse, it assumes a fantasy world where Obamacare has been a success.  Instead, Americans have seen their insurance premiums increase, small businesses are facing massive tax increases and seniors will have reduced access to Medicare services.”
Commonwealth authors admit that since Romney’s proposals haven’t been specified, “a set of assumptions was made” for the report based on similar proposals advanced in the past.
Romney has said he would repeal the health reform law, but still keep some of the law’s more popular provisions in place.
It’s the second report in just a week that argued Americans would be worse off without the PPACA and under Romney’s health care plan.
report from Washington, D.C.-based consumer advocacy group Families USA last week claimed that families buying non-group health insurance on their own in 2016 would pay nearly twice as much under the health proposals offered by Romney than under Obama’s health reform law.
The Commonwealth Fund, a liberal think tank that supports research on health care issues, compared the candidates’ health care plans by looking at seven key issues: health insurance coverage, insurance affordability, consumer protection, consumer choice, help for small business, improving Medicare, and improving health care quality and slowing spending growth.
The analysis was conducted by economist Jonathan Gruber, who advised the policymakers who wrote the PPACA.
The report claims people in southern and western states would benefit significantly from the PPACA. By 2022, when the law is fully implemented, uninsured rates are estimated to fall by more than 15 percentage points in 11 states. Health reform would also reduce the uninsured rate from to 10 percent to 15 percent in 13 states across the South and West, as well as in New York and the District of Columbia, and to less than 10 percent in the rest of the states, the report claims.
The study also found that Romney’s plan would cost Americans more money. People who choose to buy health insurance on their own would pay 14 percent of their income, compared to only 9 percent under the PPACA, The Commonwealth Fund says.
Cost has been a major point of contention, with both Romney and insurance insiders saying health reform will increase costs. Research from global insurance broker Willis Group Holdings earlier this year confirmed that health costs continue to rise, and that the PPACA is one of the significant reasons for the cost increases. In turn, employers are asking their employees to pay more for coverage.
Health insurers have long questioned the “affordable” part of the PPACA, saying the law doesn’t address the key problem of cost and affordability.
“While the Supreme Court's decision about the Patient Protection and Affordable Care Act determined the outcome of one of the most significant judicial cases of the century, no one has yet addressed one of the most pressing issues facing our nation: the rising cost of health care," Digital Insurance President and CEO Adam Bruckman said in June. “Our country still does not have measures in place to control a system that is on an unsustainable cost trajectory. If we are to effect meaningful change, we are obligated to devise methods to curb rising expenses.”
The above was written by  by Kathryn Mayer posted Oct 2, 2012 at the Benefits pro web site which is here: