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<title>The Legalities and Issues with an IRS Levy</title>
<link>https://adswdnd.info/?p=44</link>
<comments>https://adswdnd.info/?p=44#comments</comments>
<pubDate>Fri, 19 May 2023 15:37:05 +0000</pubDate>
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<category><![CDATA[Law and Issues]]></category>
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<description><![CDATA[An IRS levy is an order from the Internal Revenue Security directing TVA to withhold a specified amount of an employee’s pay to satisfy a tax debt. If the IRS determines that we owe back tax then it may issue … <a href="https://adswdnd.info/?p=44">Continue reading →</a>]]></description>
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An IRS levy is an order from the Internal Revenue Security directing TVA to withhold a specified amount of an employee’s pay to satisfy a tax debt. If the IRS determines that we owe back tax then it may issue an IRS levy requiring the deductions from the pay till the back taxes are paid. They may ask the person to sign an agreement of consent authorizing the amount to be deducted. The IRS levy can allow an amount to be exempt from withholding based on the o employee’s tax filing station and the number of exemptions claimed.
A legal step taken by Internal Revenue System to seize anyone’s property in order to satisfy his debt is IRS levy. They are different from liens. Lien is just a claim used as security for tax debt whereas in IRS levy they actually take the property to do so. If one cannot make arrangements to settle the debts then the IRS seizes or sells any type of personal or real property which one possesses. For example, the IRS can seize and sell property like boats, houses, cars, etc. Even they can levy property that is actually the debtors’ but is help by someone else like the wages wit the employee, balance at the bank account, license, rental income, etc.
An IRS levy is issued only when he requirements are met. The first condition is when IRS sends a notice or demand for the payment of the tax assessed by them. Secondly, when the person refuses or neglects to pay the tax and lastly when a final notice of Intent to Levy i.e. a legal notice of IRS levy is sent 30 days before the levy. A person receives one more notice with this notice known as Notice of Your Rights to Hearing. These notices can be given anywhere at our business place, at home or can be registered with the return receipt.
One may ask the IRS to review the case or can even request to Office of Appeals by filing a request to the IRS officer listed in our notice. This request filing should be done within 30 days of the receipt of the IRS levy notice.
When the IRS levy, levy our wages, salary or bank account, the levy ends when it is released or when on e pays the tax debt or at the expiry of the time of legal collection of tax. When the IRS levy, levies the bank account, the bank holds the funds in deposit for 21 days. This time is given as the relaxation period to solve the problem at hand. After 21 days, the bank sends the money to the IRS along with the interest, if applicable, to the IRS.
If IRS makes any mistake, like while levying bank account, the bank charges are borne by the debtor. In such a condition one is entitled to have the reimbursement for such charges. For this reimbursement one has to file a claim to the IRS within one year after the bank has claimed the charges.
There are two different types of IRS levy programs. One is FPLP i.e. Federal Payment Levy program and the other is SITLP, which is State Income Tax Levy Program. Under the FPLP, the IRS may levy money from the federal payments received like Social Security benefits, retirement from the Office of Personnel Management, federal employee’s salaries, etc. FPLP electronic levies the federal payments made through Department of Treasury, Financial Management services. When these agencies levy through FPLP, they take 15% from each of the payments till the account is resolved. One can call IRS employee for assistance if he is already working with them.
Under the SITLP, IR levies the state tax refund. This implies to individual state tax refunds only. Inclusion of business tax refunds in the future is under consideration. If the state tax refund is levied, the state issues a notice of advice about the levy. If one receives an advice, legally, for the Rights of Hearing then this IRS notice of advising is not issued.
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<title>Why Marketing With Social Media Is Critical to SEO and SEM</title>
<link>https://adswdnd.info/?p=42</link>
<comments>https://adswdnd.info/?p=42#comments</comments>
<pubDate>Tue, 09 May 2023 18:14:54 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[SEO and SEM]]></category>
<guid isPermaLink="false">http://adswdnd.info/?p=42</guid>
<description><![CDATA[There is a great deal of excitement about social media right now, and rightly so. It’s an effective and economical way to promote a small business online. New prospects and customers may use Facebook to search for a company or … <a href="https://adswdnd.info/?p=42">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ There is a great deal of excitement about social media right now, and rightly so. It’s an effective and economical way to promote a small business online. New prospects and customers may use Facebook to search for a company or organization by name if they can’t be found on a search engine. Facebook or Twitter should direct them there. Though these are powerful small business online marketing tools, they should not be seen as a replacement for a website.Companies and organizations with their own websites will want to use social networking strategies to push traffic through their own websites – where goods or services are described, pictured, and sold.Facebook, Twitter and LinkedIn are great places for companies to make contact with the public, receive positive and negative feedback about products or services, and expand their online visibility to a wider marketplace. Vetting online traffic to a company or organization’s website should be the ultimate goal. Ideally, this is where the visitor will gain a broader perspective about the company or organization and be ‘sold.’Drive Traffic from a Social Networking Account to a Website
Facebook, Twitter and LinkedIn allow members to post links to websites of interest. Click-through traffic is when a visitor arrives at a company website from another location on the Web – such as Facebook or Twitter. Increase click-through traffic from social media sites by posting specials, online coupons, events, news items, interesting facts, and more. When posting a thought for the day, link to pages on the website that are in sync with the conversation. When appropriate, link to pages that are a call to action, such as a contact us form — especially when an online special or coupon is promoted. DO NOT post links to company home page over and over again. Friends and associates will be annoyed by this. Link to interesting website content, blogs, news articles and audio and video podcasts. Summarize what is included in the website link in an attractive, interesting way, to receive more click through traffic. If a company or organization website is lean on content, begin developing and adding new pages and posts to increase SEO and enhance a social networking campaign.Don’t Forget Social Bookmarking Sites
Though Facebook, LinkedIn and Twitter seem to receive the most attention in the world of social media, there are other large websites, known as social bookmarking sites, that can be as effective at driving click through traffic to a website. Examples of these sites include StumbleUpon, Digg, Diigo, Delicious, and more. These websites allow members to post links to other websites of interest. Short, compelling summaries tend to attract the most traffic. Photographs (on the web page that is linked) will make the post visually appealing. Visitors to social bookmarking sites are not usually there to collect friends but to inform visitors about websites that provide great information and are user friendly. Feel free to post links to favorite websites (other than the company site) to make your account authentic.Measuring Facebook, Twitter and LinkedIn Traffic to a Website
A company stakeholder or executive of an organization will want to know the return on investment (ROI) for social media campaigns. In order to measure traffic effectively, a Google Analytics account or other statistical analysis program must be ‘attached’ to the website. At the end of the month, review Google Analytics to identify which social media sites are sending click-through traffic to a website, how much traffic is coming through, and which country, state or region it is originating from.Create a Wave of Popularity With Social Media
Using social media in tandem with a website is a wonderful way to create a wave of interest in a company or organization. In order to be most effective, weekly posting to social media accounts is recommended. Consistent posting is essential to increase click through traffic to a website.Once a visitor arrives at a company website, make sure an attractive, easy to use web design keeps them there.For more information about social media campaigns, or SEO, visit http://www.conversionpipeline.com.
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<title>Benefits of Payday Loans</title>
<link>https://adswdnd.info/?p=40</link>
<comments>https://adswdnd.info/?p=40#comments</comments>
<pubDate>Fri, 05 May 2023 13:13:09 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Loans]]></category>
<category><![CDATA[bad credit loans]]></category>
<category><![CDATA[best payday loans]]></category>
<category><![CDATA[how to get a payday loan]]></category>
<category><![CDATA[loans]]></category>
<category><![CDATA[online payday loans]]></category>
<category><![CDATA[pay day loans]]></category>
<category><![CDATA[payday]]></category>
<category><![CDATA[payday lenders]]></category>
<category><![CDATA[payday loan]]></category>
<category><![CDATA[payday loan consolidation]]></category>
<category><![CDATA[payday loan help]]></category>
<category><![CDATA[payday loans]]></category>
<category><![CDATA[payday loans app]]></category>
<category><![CDATA[payday loans newark]]></category>
<category><![CDATA[payday loans online]]></category>
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<description><![CDATA[Next time you are in dire need of some cash, and you want to get it quickly, you can consider payday loans. This type of loans is relatively new on the market.So far, the traditional ways of procuring a loan … <a href="https://adswdnd.info/?p=40">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Next time you are in dire need of some cash, and you want to get it quickly, you can consider payday loans. This type of loans is relatively new on the market.So far, the traditional ways of procuring a loan were mainly through credit cards or by applying for personal loans. Certainly, these are well accepted and appreciated options for anyone, but they do come with their own limitations. When using credit cards, you are prompted to spend a lot more than perhaps you could afford. In fact, they were designed exactly for this purpose, as they allow you to pay a specified minimum amount, and thus extend the payment of your dues for a long time to come.This design works to the benefits of the companies that issue credit cards, as they keep earning interest on the late payments made by you. Personal loans generally make a better option, but qualifying for such loans is quite cumbersome, needing a lot of time and a detailed check of your credit score before any answer is given.This new product comes to the rescue of people who are unable to qualify for credit cards for whatever reasons, or who want to avoid the hassle of getting one. Though the reputation of payday loans is bad, they make a good substitute for traditional lending. They are highly popular with certain sections of our society. Here are the main benefits of payday loans:
 The process of getting a payday loan is very easy, comfortable and fast. You may apply for a loan and expect the funds to be in your bank account in a matter of hours. No traditional bank can match that speed of sanctioning a loan. This is possible due to the online procedures for getting and disbursing the loans. The borrower simply needs to fill up an online application, giving some personal details, and then wait for the loan that will come through very soon.
Since these are short-term loans, you don’t need to face the problem for a long time. These loans are meant to help you overcome your financial problem for a short time. It is comforting to know that you won’t be under debt for long. However, most people tend to believe that you’ll land up in a big mess if and when failing to make your commitments; you should know that this is not true most of the time. The lenders offering payday loans do realize that there will be some defaulters, and they have accordingly designed their plans. Instead of taking any other action, they will just ban the client from utilizing the facility in the future.
 Your chances of getting a loan from the businesses offering payday loans are certainly higher as compared to other financial institutions, like banks. The reason is that payday loans are available for small amounts of money, for shorter periods of time. Since the lenders realize that the associated risks are small, they can provide financial assistance to a larger number of consumers.
 All the terms of the loan, including the fees and the interest to be charged by the lenders are clearly stated beforehand. So the borrower is well-informed on the amount he is liable to pay back. There are no hidden charges. This business is now highly monitored and controlled due to the bad publicity it has received in the past. 
Perhaps, now you can better appreciate the reasons that prompt people to patronize payday loans. Their benefits include easy and quick availability, and if you realize how to best exploit these loans, you won’t be scared of utilizing them. 
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<title>Self Employed Retirement Options – Ways to Plan For a Secure Small Business</title>
<link>https://adswdnd.info/?p=38</link>
<comments>https://adswdnd.info/?p=38#comments</comments>
<pubDate>Fri, 05 May 2023 09:35:48 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Employment]]></category>
<category><![CDATA[casual employment]]></category>
<category><![CDATA[employ employment]]></category>
<category><![CDATA[employment]]></category>
<category><![CDATA[employment at will]]></category>
<category><![CDATA[employment bond]]></category>
<category><![CDATA[employment contract]]></category>
<category><![CDATA[employment gap]]></category>
<category><![CDATA[employment law]]></category>
<category><![CDATA[employment lawyer]]></category>
<category><![CDATA[employment news]]></category>
<category><![CDATA[gaps employment]]></category>
<category><![CDATA[the employment]]></category>
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<description><![CDATA[Self employment is an attractive option for many, particularly in an uncertain economic climate. Instead of searching for a new job following a layoff, legions of workers are deciding to create their own job by working for themselves. While controlling … <a href="https://adswdnd.info/?p=38">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Self employment is an attractive option for many, particularly in an uncertain economic climate. Instead of searching for a new job following a layoff, legions of workers are deciding to create their own job by working for themselves. While controlling the terms, conditions and nature of the way in which one will earn a living may be tremendously appealing, the singular focus on building a business may obscure the important task of retirement planning. Fortunately, there are numerous self employed retirement options of which independent business owners can avail themselves and work towards a stable, secure future.The perks of working for oneself are innumerable, but the substantial amount of self employment tax that must be paid is seen by some as a significant drawback to such an arrangement. It is important to note, however, that there are multiple tax-advantaged self employed retirement options that serve to balance what may initially be viewed as a negative. Retirement plans available to self employed individuals often assist them in allocating considerably more money for retirement than conventional wage earners would find possible. Among the most common such plans are solo 401(k) plans, Roth IRAs, simplified employee pensions (SEPs) and Keogh plans.One of the self employed retirement options for self employed individuals is the solo 401(k). Under this type of plan, a contribution of up to 100% of the first $16,500 earned by an individual as a result of self employment or as compensation as an employee of his or her own company may be made and deducted. Individuals of age 50 or over may contribute up to 100% of the initial $22,000 earned in the same manner. In addition to those allocations, amounts not exceeding 25% of income earned in either manner may be contributed to the plan and deducted. In order to qualify, this type of plan must be established by December 31 of the tax year.Roth IRAs and spousal deductible IRAs are other self employed retirement options for independent business owners to explore. These vehicles are often used as a method of supplementing other retirement plans, as they can be used simultaneously with other breeds of retirement packages. Funds dedicated to Roth IRAs are nondeductible, however the earnings amassed are tax free, and no taxes will be assessed upon withdrawal of the funds. Individual taxpayers may contribute only $5,000 annually, while couples are capped at $10,000, subject to generous levels of income phaseouts. Under the spousal deductible IRA, any spouse may make contributions of an additional $5,000 if their spouse makes contributions to their employer’s retirement package, provided that their gross adjusted income is not more than $167,000, combined.SEPs, or simplified employee pensions are tremendously simple, basic retirement vehicles that represent one of the most fundamental of the self employed retirement options. These plans allow self employed individuals to contribute and then deduct a maximum of 20% of income they earn through self employment endeavors, or up to 25% of income earned as an employee of one’s own company. The self employed individual may alter the percentage of the contribution made each year, which can be a valuable feature in years where cash flow is uncertain. SEPs may be put in place anytime up to the date of any income tax return extension granted to the taxpayer, and there is no IRS annual reporting requirement for this type of plan.
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<title>The Top 10 Health Breakthroughs of 2008</title>
<link>https://adswdnd.info/?p=36</link>
<comments>https://adswdnd.info/?p=36#comments</comments>
<pubDate>Fri, 05 May 2023 06:01:16 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[Acne]]></category>
<category><![CDATA[Anti Aging]]></category>
<category><![CDATA[Beauty]]></category>
<category><![CDATA[Cosmetic Surgery]]></category>
<category><![CDATA[Diabetes]]></category>
<category><![CDATA[Drug Abuse]]></category>
<category><![CDATA[Health and Fitness]]></category>
<category><![CDATA[Massage]]></category>
<category><![CDATA[Meditation]]></category>
<category><![CDATA[Nutrition]]></category>
<category><![CDATA[Personal Training]]></category>
<category><![CDATA[Popular Diets]]></category>
<category><![CDATA[Skin Care]]></category>
<category><![CDATA[Spa and Wellness]]></category>
<category><![CDATA[Speech Pathology]]></category>
<category><![CDATA[Weight Loss]]></category>
<category><![CDATA[Yoga]]></category>
<guid isPermaLink="false">http://adswdnd.info/?p=36</guid>
<description><![CDATA[This year marks a major turning point in the theory of wellness and the prevention of disease. The drug-based paradigm of Western medicine is crumbling under the weight of its own massive fraud. New technology is proving how nutrients interact … <a href="https://adswdnd.info/?p=36">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ This year marks a major turning point in the theory of wellness and the prevention of disease. The drug-based paradigm of Western medicine is crumbling under the weight of its own massive fraud. New technology is proving how nutrients interact at the fundamental gene level to promote health and prevent disease. The discoveries are occurring at a breakneck pace – these are exciting times.In the face of an obesity epidemic and the early onset of the diseases of aging in even young Americans, there shines a bright ray of hope. It is there for anyone who chooses to inform themselves and then take effective actions to better themselves. The aging clock can be slowed – and in many cases reversed. It is the dawn of a new era.The following is a list of the Top 10 health breakthroughs of 2008. I know there are many other possible candidates for this Top 10 list. This is my version of the highlights that made 2008 special.#10 – The Mayo Clinic Places One Foot in the Door of the Real WorldMiracles never cease and it appears that the Mayo Clinic is trying to enter the 21st century with at least a finger on the nutritional pulse of reality. In May they put out a press release stating that “Thousands of research studies have documented how the oils known as omega-3 fatty acids can benefit the cardiovascular system, particularly among people diagnosed with coronary artery disease…The most compelling evidence for the cardiovascular benefit provided by omega-3 fatty acids comes from three large controlled trials of 32,000 participants randomized to receive omega-3 fatty acid supplements containing DHA and EPA….These trials showed reductions in cardiovascular events of 19 percent to 45 percent. Overall, these findings suggest that intake of omega-3 fatty acids, whether from dietary sources or fish oil supplements, should be increased, especially in those with or at risk for coronary artery disease.”The breakthrough is not that fish oils prevent and treat heart disease; we’ve known that for years. The breakthrough is that the vitamin-and-alternative-health-hating Mayo Clinic is telling the world to take fish oil supplements to prevent heart disease. That signifies the initial stages of a paradigm shift of magnitude.#9 – Bone Health Is One Key to LongevityBones can no longer be thought of only in terms of fracture risk and osteoporosis. Bones are constantly giving birth to new cells and these cells play vital roles in metabolism and immunity. For example, when bone cells get inflamed not only does this promote excess bone loss it directly causes fat cells to multiply in white adipose tissue – which clearly explains why women gain weight after menopause as well as the key to stopping the problem.The highlight study of the year was a detailed gene analysis performed on one of the world’s healthiest older men (he was 113 at the time, recently passing away at 114). Researchers expected to find genetic advantages enabling him to live a long life. Much to their surprise, he didn’t have any “better genes” at all – he had better bones! And the reason he had better bones was because he ate a diet containing fresh fruit and vegetables (bone anti-inflammatory nutrients) and stayed very active (stimulating bone health).Needless to say, the disastrous bone drugs were not part of his plan.#8 – Grape Seed Extracts Stop Alzheimer’s PlaqueThis year’s research showed that “normal” brain aging is quite an abnormal process; with the loss of mental capability, intelligence, and memory directly relating to how many plaque-like brain tangles occur. At the far end of the spectrum is Alzheimer’s disease – a problem with brain plaque overwhelming healthy brain function. However, there are a thousand shades of grey on the way to this problem, and each step in the wrong direction is marked by ever-increasing levels of brain plaque.Red grape seed extracts showed that they could stop brain plaque from forming. The new research showed that brain cells must first be punched in the nose by some form of stress, get inflamed, and then begin to express certain genes that promote plaque formation. Red grape seed extracts simply stop this process from occurring. Not only that, they are powerful protection for the lining of your arteries – helping to stop plaque formation there as well.#7 – Vitamin D for Anything and EverythingA major question during 2008 was: “Is there anything that vitamin D does not help?” Vitamin D’s role in bone metabolism is well known. Its role as a hormone is less well known but very important. As a bewildering array of breaking science now shows, vitamin D is a gene-regulating super nutrient. It is vital for efficient immune function, prevention of autoimmune problems, healthy metabolism, proper thyroid function, prevention of type I and type II diabetes, prevention of heart disease, cancer prevention, and improved nervous system health and mood.The sunshine vitamin is indeed a wonder nutrient. The American Cancer Society sits around with major mud on its face, doing everything in its power to prevent people from getting vitamin D – a problem made worse in the winter months when none is available for most of the U.S. And as usual, our bumbling government won’t let all Americans know that they need 1200 IU to 2000 IU of vitamin D per day, especially in the winter, to help prevent major health problems.#6 – Resveratrol Turns Back the ClockAn explosion in resveratrol science hit the front pages of the news around the world, as Big Pharma spent millions trying to make resveratrol drugs. The Big Pharma spending is interesting for several reasons:1) Just imagine how much we could learn if our government would spend money studying all major nutrients in widespread use.
2) The resveratrol nutrient that is already on the market will end up working better than any drug made.Resveratrol activates a gene called SIRT1, which has a profound disease prevention and anti-aging effect. SIRT1 is normally activated by calorie restriction in times of famine. However, in today’s world of excess food consumption it will be a major tool to prevent and treat the coming obesity epidemic and all its health complications.It is already clear that the supplement works best when you are on a good diet, as too much food simply turns off SIRT1. Its value during a diet is that it helps your muscles work better on fewer calories so that you can actually loose weight while feeling great.Even if you aren’t overweight, the other main point is that resveratrol will help you live longer – a fact born out by the lifespan in various regions of France that have the highest content of resveratrol in their red wine.#5 – The Digestive Genome Marks the New Frontier of HealthThe mapping of the human genome was a monumental accomplishment that has yielded unexpected information. As scientists began to unravel the mysteries of how the human genome is controlled, they quickly found that many of the signals controlling health were coming from the foreign contents within your digestive tract. Like the space race to the moon, the new health frontier is now the genomes of the trillions of foreign cells that comprise your digestive tract.A treasure trove of information has already been uncovered. Many of these foreign cells are vital to health and have both a friendly and unfriendly role depending on which of their genes are turned on. A case in point is H.pylori and Candida albicans, both of which are considered unfriendly and both of which are normal inhabitants of your digestive tract and need to be in a friendly condition for optimal digestive health and the prevention of digestive disease. In fact, your personal “foreign cell signature” directly influences your own immune tissue to form along the lining of your digestive tract. It also plays a large role in how much inflammation you experience elsewhere in your body – including your joints and back. Friendly flora is vital to maintaining a state of balance that promotes health.Decades of damage from the overuse of antibiotics, high sugar diets, junk food, chemicals in the diet, pesticides in the diet, genetically modified toxic food, and excess alcohol can finally be seen for the disease-producers they really are. It will be a long time before your doctor gives you any meaningful advice on this subject, since their profession has helped create an epidemic of poor digestive health that in the light of this emerging science is proving to be a major contributing factor to multiple diseases – not just digestive-related problems.#4 – The Changing World of Fat, Cholesterol, and Heart DiseaseThose basing health decisions on cholesterol numbers and concepts of good and bad cholesterol have been left in the Stone-Age dust. HDL, or “good” cholesterol, can have its proteins oxidized and easily become “bad” just like LDL. Cholesterol itself turns out to be a vital player in the structure of nerve receptors, and its levels are reduced when taking medication to lower numbers of LDL. Cholesterol fitness, like muscle fitness, is the new concept of cholesterol health that supports true cardiovascular health.A huge breakthrough occurred this year when it was demonstrated for the first time that fat accumulating around the outside of arteries was the key signal of impending cardiovascular disease. This fat, which builds up in direct proportion to your waistline expanding, was previously thought to be part of the structure of arteries and not play a functional role. New scientific tools have shown that it accumulates in excess, recruits inflammatory immune cells to live in its newly expanded neighborhood, and they generate inflammation into the arteries that knocks out friendly nitric oxide causing blood pressure to rise and simultaneously generates massive free radical damage that injures LDL and HDL cholesterol and sets the plaquing process in motion.This is made worse if blood levels of triglycerides stay high during the day – which is caused by eating meals that are too large, snacking between meals, and not exercising.#3 – How Much BDNF is In Your Bank Account?Brain Derived Neurotropic Factor (BDNF) may well be the molecule of the year. BDNF is key to keeping your nerve cells alive and stimulating the growth of new nerve cells. Since your nerve cells are important for regulating everything else, keeping them in top working condition not only means that your mind will stay sharp it means you are likely to live longer and healthier.This year scientists proved the immense value of having adequate BDNF for virtually any issue of nerve and brain related health. If your supplies run low then you cannot tolerate stress properly, you are more likely to be or become depressed, your brain is prone to excess inflammation, and you are set on a path of decline. Conversely, having adequate BDNF helps you keep up with the demands in your life. It means that you have the potential to keep your mind and nerves in good working condition.For example, when you have adequate BDNF then old memories don’t bother you or come back to haunt you at the most inopportune times. Having adequate BDNF may be a key, along with being a good person, to maintaining healthy relationships.This year scientists demonstrated that fish oil, blueberries, curcumin, and pantethine all help boost the production of BDNF.#2 – Run for Your LifeRunning is now proven to be the single activity with the most bang for the longevity buck. Early in the year papers emphasized the importance of running in human evolution. It was also found that running is the best exercise to boost levels of BDNF. It was proven that running can rejuvenate your heart and even brisk walking can effectively lower your blood pressure.The highlight of the year was the result of a 20-year study on running over the age of 50. It found that those who ran cut their risk of premature death in half! No drug can do that.It also found that runners had less cardiovascular disease, fewer cancer deaths, less cognitive decline, and better immunity – and their joints were in good condition. Running turns on gene signals associated with health – it’s that simple. The choice is yours.#1 – Thyroid Health is for EveryoneA startling array of thyroid-related studies have shown that even a slightly off thyroid sends you down a path of poor health. While thyroid issues are often associated with obesity, thyroid problems affect normal weight and underweight people as well. One of the important points to grasp about the emerging science is that these are not thyroid problems that can be treated with medication – as there is usually adequate thyroid hormone. This information is about thyroid stressors such as common pollution like PCBs, perchlorate in the food supply, excess food consumption, and general emotional stress – to name of few.This year scientific studies showed a sluggish thyroid system was directly related to increased mortality, fatal heart disease, disturbed heart rhythms, elevated blood pressure, elevated cholesterol, lack of coordination, risk of breast cancer, mood problems, glaucoma, and Alzheimer’s risk.You may wonder why so many issues can be associated with a type of thyroid problem that doctors don’t even see as a problem. The answer is that your thyroid system sets the metabolic pace of your body, like the drummer in a band sets the tempo. If that tempo is too sluggish then everything else works less well, which means wear and tear accumulates at a faster rate.You can fix sluggish thyroid problems by eating a cleaner diet, regular exercise, and using nutrients that facilitate healthy thyroid function – especially by enhancing the conversion of T4 to T3 and by providing adequate thyroid-related antioxidants.The take home message from this year’s thyroid news is that you should do everything possible to keep your entire thyroid system working at an optimal level of health. There is no comfort to be found in being “good for your age.” The only thing that really matters is optimal function – which is the foundation for your future health.The era of true anti-aging nutrition is upon us. There are no quick fixes – but there is a path to follow that is now backed by considerable science. Hop on – enjoy quality of health – for a very long time.
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<title>Health Insurance Terms and Definitions</title>
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<pubDate>Thu, 04 May 2023 17:39:49 +0000</pubDate>
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<description><![CDATA[One of the biggest problems for most people is simply understanding the health insurance benefits that they have. For the most part, health insurance policies try to be user-friendly in their wording, but many people are just not familiar with … <a href="https://adswdnd.info/?p=34">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ One of the biggest problems for most people is simply understanding the health insurance benefits that they have. For the most part, health insurance policies try to be user-friendly in their wording, but many people are just not familiar with medical and insurance terminology.Most health insurance policies also provide something similar to a cheat sheet which gives the basic outline of policy coverage and covers the most common medical services. However, you need to be sure that you understand the different things that are excluded under your plan. Many health insurance plans provide limited benefits for services such as mental health, chiropractic services, and occupational health. Even physical therapy and home health care are often limited to a certain number of visits per year.Co-payment or Co-payA co-payment is a pre-determined amount that you must pay a medical provider for a particular type of service. For example, you may be required to pay a $15 co-payment when you visit your doctor. In this instance, you must pay $15 to the doctor’s office at the time of the visit. Normally, you are not required to pay any additional fees — your health insurance company will pay the rest. However, in some cases, if your health insurance policy specifies it, you may be responsible for a co-payment and then a percentage of the remaining balance.DeductibleA deductible is the amount of your medical expenses you must pay for before the health insurance company will begin to pay benefits. Most health insurance plans have a calendar-year deductible which means that in January of every new year the deductible requirement starts over again. So, if your calendar year deductible is $1500, as long as your medical expenses for the current year do not exceed $1500 the insurance company pays nothing for that year. Once January of the new year starts, you have to begin again to pay for $1500 of your own medical expenses.CoinsuranceCoinsurance (or out-of-pocket expense) is the amount or percentage of each medical charge that you are required to pay. For example, you may have a $100 medical charge. Your health insurance company will pay 80% of the charge and you are responsible for the additional 20%. The 20% is your coinsurance amount.Coinsurance accrues throughout the year. If you have a large number of medical charges in one year, you may meet the coinsurance maximum requirement for your policy. At that point, any covered charges will be paid at 100% for the remainder of the calendar year.Stop loss or out-of-pocket expense limitSometimes you will hear the out-of-pocket expense limit referred to as your stop loss or coinsurance amount. Basically, this is the amount you will need to pay out of your own pocket per calendar year before the health insurance company pays everything at 100%.You will need to check your policy because many policies that require co-payments do not allow these co-payments to go toward the out-of-pocket amount. For example, you may have reached your out-of-pocket maximum for the year, so if you are admitted to the hospital you may pay nothing. However, since you have to pay a $15 co-payment every time you visit the doctor, you will still have to make this co-payment.Lifetime maximum benefitThis is the maximum amount that the health insurance company will pay toward your medical expenses for the lifetime of your policy. Generally, this amount is in the millions of dollars. Unless you have a very severe condition, you will not likely exhaust this amount.Preferred Provider OrganizationA Preferred Provider Organization (also known as a PPO) is a group of participating medical providers who have agreed to work with the health insurance company at a discounted rate. It’s a win-win situation for each side. The insurance company has to pay less money and the providers receive automatic referrals.In most health insurance policies, you will see different benefit levels depending on whether you visit a participating or nonparticipating provider. A PPO plan provides more flexibility for the insured person because they can visit either a participating or nonparticipating provider. They just receive a better price if they use a participating one.Health Maintenance OrganizationA Health Maintenance Organization (also known as an HMO) is a health insurance plan which restricts you to only using specified medical providers. Generally, unless you are out of the area of their network, no benefits are payable if you go to a nonparticipating physician. Typically, you are required to select one main doctor who will be your Primary Care Physician (PCP). Any time you have a health problem, you must visit this doctor first. If they feel that you need it, they will refer you to another network provider. However, you cannot just decide on your own to visit a specialist; you must go through your PCP.Medically necessaryYou will see this term in all health insurance policies, and it is a frequent cause of denied claims. Most insurance companies will not cover any expenses that they do not consider medically necessary. Just because you and/or your doctor consider something medically necessary, your health insurance company may not. For this reason, you always need to verify that any costly procedures you are considering will be covered.Routine treatmentRoutine treatment is generally defined as preventive services. For example, a yearly physical examination that you have on a regular basis is generally considered to be routine. Many of the immunizations that children and adults receive fall under this classification. Some insurance companies provide limited coverage for routine treatment; others provide no benefits at all.Pre-existing conditionA pre-existing condition is a condition that you acquired and/or received treatment for prior to the effective date of your current health insurance policy. Health insurance companies vary on how they treat pre-existing conditions. Some companies will not give you coverage at all if you have certain chronic pre-existing conditions. Others will give you coverage but will not provide any benefits for a period of time — usually from 12-24 months. Still, other health insurance companies will specifically exclude a pre-existing condition from a policy and will never provide any benefits for that condition.Be sure that you are very clear on the pre-existing limitations of your policy so that you are not unpleasantly surprised when you visit your doctor.Explanation of BenefitsThis is the form that the health insurance company sends you after they complete the handling of your claim. It details the bill they received and how they processed it. It is commonly called an EOB.Coordination of BenefitsIf you are eligible for benefits under more than one health insurance plan, your various health insurance companies will need to coordinate benefits. This insures that no more than 100% of the total charge is paid. There are many variations on how this situation can occur. In general, the primary company makes their payment first. Then you file a copy of the charges with the secondary company along with a copy of the Explanation of Benefits (EOB) from the primary company. The secondary company usually picks up the remainder of the bill.Participating providerA participating provider is a medical provider who has signed a contract with a health insurance company or health insurance network to charge pre-determined rates to patients who are in the network.Nonparticipating providerA nonparticipating provider is a medical provider who does not have a contract with a particular health insurance company or network. If you use a nonparticipating provider, you will generally pay a larger portion of the bill. In some cases, you may be responsible for the entire bill.Limited benefit plansThese are not considered to be comprehensive medical insurance plans. Instead, they provide very specific, limited benefits for different types of services. For example, they may provide a flat rate for each day you stay in the hospital or pay a limited amount for each surgical procedure that you have.Typically, they are marketed toward people who cannot afford or are unable to obtain more comprehensive coverage due to pre-existing health conditions. Or, they may be geared toward people who have high-deductible plans. The good thing about these plans is that they generally pay in addition to any other coverage you may have. Therefore, no coordination of benefits is required.If this is your only coverage, be aware that you will usually have to pay a large portion of any bill as these limited plans do not usually pay large amounts per day. For example, it may actually cost you $1000 a day to stay in the hospital. If your limited benefit plan pays you $200 a day for each day you spend in the hospital, you will be personally responsible for the remaining $800 per day.Medicare supplement plansPeople who have Medicare often choose to purchase a Medicare supplement plan as Medicare does not usually cover medical charges in full. Medicare continues to change and add new options but, in general, a supplemental plan pays the balance of the medical charges after Medicare pays its portion. For example, most Medicare supplements will pick up the Medicare deductible.Some policies also pay for some of the charges that Medicare may not cover. There are many different policy variations. If you are not sure what you are purchasing, consider contacting a broker that assists senior citizens.
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<title>Automotive Equipment</title>
<link>https://adswdnd.info/?p=31</link>
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<pubDate>Thu, 04 May 2023 13:47:25 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[automotive]]></category>
<category><![CDATA[android automotive]]></category>
<category><![CDATA[automotive careers]]></category>
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<category><![CDATA[automotive mechanic]]></category>
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<description><![CDATA[Automotive equipment is a very large market that includes an infinite amount of tools and machines. If you have ever walked into an automotive shop you will quickly see the amount of tools and shop equipment that is in use. … <a href="https://adswdnd.info/?p=31">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Automotive equipment is a very large market that includes an infinite amount of tools and machines. If you have ever walked into an automotive shop you will quickly see the amount of tools and shop equipment that is in use. From lifts to air compressors, a shop is slammed full of machinery that is used every day. This means an automotive shop needs to make sure they buy all of their equipment from reputable dealers so that their products have a full warranty and are built to last.The center point to any auto shop is usually the types of lifts that it has. There are many different types of lifts that serve different purposes. Some can be driven onto and others simply lift the car up by the frame. Another large aspect of car lifts is how many tons they are made to handle. If you work with mainly small cars you can buy a smaller lift that will not break the bank. If you are often lifting extremely heavy vehicles you will have to get the right lift that can handle the tonnage.Some of the smaller equipment needed in automotive shops include air guns, grease machines, air compressors, air lines, tool boxes, and the list goes on. If you run a specialty shop, you will often need machinery that custom make parts. Machines that can perform this type of work include CNC machines, drill presses, and lathes. All of these pieces of equipment are large, expensive, and need to only be bought from a trusted company.Some of the more simple equipment for automotive shops include tools. There are many tools that are made especially for auto repair. It mainly depends on what type of shop you run as to what type of equipment you will need. If you run a simple quick lube shop, there are products for you to use that all revolve around changing the oil on a car as fast as possible.Automotive shop equipment is a huge market. Considering most new cars are mainly ran by their electrical systems, there are many machines sold that diagnose cars and read their ecu. Diagnostic machines are becoming the most important aspect in any repair shops because of how technological and sophisticated new cars are made today. The main thing to make sure of though is that you are buying products that are sold from trusted companies that sell only new products that come with a full manufactured warranty so that your investments are protected.
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<title>The Best Ways I’ve Found To Make Money Online From Home</title>
<link>https://adswdnd.info/?p=20</link>
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<pubDate>Mon, 02 Aug 2021 04:23:42 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[Money]]></category>
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<description><![CDATA[Have you been looking for a way to make money online without having to know much of the internet stuff? Wanting to work at home but don’t know how to do it? Here is the key gem: Between all the … <a href="https://adswdnd.info/?p=20">Continue reading →</a>]]></description>
<content:encoded><![CDATA[Have you been looking for a way to make money online without having to know much of the internet stuff? Wanting to work at home but don’t know how to do it? Here is the key gem: Between all the tricks on joining the craft beer movement, opening a gallery or being a tour operator, you will find clever advice that anybody can apply to make money online quickly.
The most basic way to make money online is through affiliate marketing. It is really easy. Basically you set up an ad for someone she is selling something and when they click through and buy it, you make money! Simple enough if you have no technical skill at all. Here are some simple tips on how to earn using affiliate marketing:
Drop-shipping is one of the most useful methods. You select a product in which you believe there is a demand and then drop-ship it to your customers in small quantities. You make money from the difference between what the stock costs and what you sell it for. For this method, it is important to note that you may need to make space for your inventory on your premises or perhaps wait until you have a build of an inventory before you can start drop-shipping; but the advantages make it a good choice for those seeking to make money online from their spare time.
Paid surveys are a great way to earn some extra cash. These can be accessed easily and there are many sites where you can get paid from spending your spare time. There is one site, though, which is said to pay $200 a week for twelve weeks straight – you can’t beat that kind of money making potential. With paid surveys, it is important to note that the sites are generally scams, and that you need to do some research to ensure you are making good money making opportunities.
Finally, a passive income generating method that can bring in money on autopilot is eToro’s Forex trading. This works by allowing you to invest on a demo account and earn money from the performance of the currencies being exchanged. The best thing about this system is that it allows you to do virtually anything and still see profits coming in. eToro has an average starting price of less than $50 and can generate an income of five figures in just a few months.
These are the best things I have found for making money online from your home. Though none of them are as good as, say, a paid-online course, they are much more affordable and can provide a valuable education to start earning money immediately online. With just a little research, you should be able to find a legitimate opportunity to get paid to learn the basics of making money in the currency markets. This is a truly remarkable opportunity.
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<title>How Long Should A Laptop Battery Last And How To Increase the Battery Life</title>
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<pubDate>Mon, 02 Aug 2021 04:23:12 +0000</pubDate>
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<description><![CDATA[No matter how expensive your laptop is, its battery won’t last more than four years. According to experts, a new laptop battery gives you as many as 1,000 cycles. In other words, you can charge and recharge the battery up … <a href="https://adswdnd.info/?p=21">Continue reading →</a>]]></description>
<content:encoded><![CDATA[No matter how expensive your laptop is, its battery won’t last more than four years. According to experts, a new laptop battery gives you as many as 1,000 cycles. In other words, you can charge and recharge the battery up to 1000 times. However, many factors play their role to increase or decrease the lifespan of a laptop battery. For instance, the material used for producing the battery substance. So, if you want to ensure that your battery stands the test of time, given below are some of the tips that can help.
1. Install a good battery monitor
If you are looking for an alternative, you can choose from tons of third-party utilities. Basically, the software programs help you monitor your laptop battery. These programs have no compatibility issues with any type of laptop.
Using these tools, you can find out which programs are using most of the battery power. You can then close the unwanted programs to save battery power.
2. Install maintenance apps
You can use some manufacturer-recommended maintenance tools for maintaining your laptop battery. Based on the type of your battery, you will receive different suggestions. Apart from this, your operating system will come with a built-in utility that can help you keep an eye on your battery condition.
3. Maintain your device temperature
You should try your level best to ensure your laptop maintains its temperature. In summer, electronic devices tend to heat up, which negatively impacts the life of the battery packs.
Therefore, you should make sure that there is a little bit of space between the bottom of the device and the table you have placed your device on. Besides, the ventilation system of your device should be working properly. For this purpose, regular cleaning of your device is quite important.
4. Don’t use maximum brightness
When your screen brightness is at maximum level, your device will use the maximum power. So, turning down the brightness is the first thing you can do to save power. Also, it is not a good idea to keep the brightness at max level as it can have a negative impact on your eyesight.
So, by following these simple tips, it will be easier for you to extend the life of your laptop battery.
5. Change the power-saving settings
Before you do anything, go into the power options of your laptop. If you are using Windows operating system, you can go to the control panel to access the power options. The control panel can be accessed from the Start Menu.
Some users have MacOS. If you are one of them, you need to access Energy Saver, which is found in the System Preferences. If these values are set to default, your computer will use the least amount of power.
So, what you need to do is make small changes to the settings so that you achieve a balance between power and performance. For best performance, there is always the choice to connect your device to the AC outlet.
If your laptop battery is over 4 years old, you may want to get replacement batteries. This will give you a longer backup again so you can keep working on your device while on the move.
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<title>Right Direction Drive School</title>
<link>https://adswdnd.info/?p=18</link>
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<pubDate>Mon, 02 Aug 2021 04:14:12 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[School]]></category>
<category><![CDATA[students]]></category>
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<description><![CDATA[Learning safe driving is a significant skill to become an expert in. If you’re looking for the best driving lessons from an affordable driving school in Australia, then give a halt at Right Direction Drive School. With 13 years of … <a href="https://adswdnd.info/?p=18">Continue reading →</a>]]></description>
<content:encoded><![CDATA[Learning safe driving is a significant skill to become an expert in. If you’re looking for the best driving lessons from an affordable driving school in Australia, then give a halt at Right Direction Drive School. With 13 years of experience and a 97Percent success rate, we are a proud provider of the best and cheap driving lessons.
Currently servicing Victoria’s Eastern suburbs, our driving school is open to the range of students from beginners to body-abled to disadvantaged from Monday to Saturday. We help all of them to successfully pass from their L’s to P’s. Furthermore, the driving instructor of our drive school is registered and is a member of the Victorian Driving association. He is also multilingual and has fluency in 7 languages: Czech, Russian, Polish, Serbian, Croatian, German and English.
Like the best driving school, we are committed to assisting in every student’s driving journey until they successfully pass the exam. From educating to supervising, every student will be given exceptional services in a secured environment. Additionally, we will also teach about road rules, as well, provide practices to gain confidence and be an alert driver.
Why hand-pick us?
Right Direction Drive School aims to make every Australian the best driver on the road. Other sets of reasons include:
• 13 years of experience 
• Registered driving instructor 
• 97Percent passing rate 
• Affordable prices
We serve Boronia, Bayswater, Burwood, Croydon, Donvale, Ferntree Gully, Kilsyth, Mooroolbark, Ringwood and Wantirna in Australia.
So, if you want to book an appointment for further inquiries, then contact us today.
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