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Proven Benefits of CBD Oil

All the world is crazy about CBD oil. It appears in food, drinks, beauty products, and simply on its own on the store shelves. It is even possible now to get CBD vape oil, a delivery method that is touted as more bioavailable, and therefore more effective, than other delivery methods.

In all the hype about CBD and the benefits it offers, what is actually true? Are there any claims that are backed by research, and not just the good fortune of your neighbor down the street? Many of our body systems have cannabinoid receptors which are primed to react with CBD oil. In fact, a number of recent studies suggest a wide range of proven benefits.

 Reduce Risk of Diabetes and Obesity

Studies have shown that cannabis users, as a group, have lower body mass index and lower risks of diabetes and obesity than the population in general. Studies have suggested that obesity rates among cannabis users are up to one third less than that of the general population.

 Lower Risk of Cardiovascular Disease

In 2005, an animal trial showed that low-dose oral cannabinoids slowed the progression of atherosclerosis. Similarly, a 2007 animal study suggested that CBD can help protect the heart during heart attacks.

 Maintain Brain Health

In the brain, cannabinoids seem to remove damaged cells and improve the function of the mitochondria, the cellular energy centers. These effects can improve overall brain health and protect brain cells. CBD may also have an anti-inflammatory effect on the brain.

 Promote Healthy Bones

CBD has been shown to block an enzyme that destroys bone-building compounds in the body. This can reduce the risk of diseases like osteoporosis and osteoarthritis, both of which lead to bone degeneration. In addition, CBD has been found to promote new bone growth in the body, thereby potentially decreasing healing time from broken bones.

 Promote Healthy Skin

Of all the organs in the body, the skin has the most cannabinoid receptors. Lotions, serums and salves infused with CBD oil have a powerful antioxidant and anti-inflammatory effect on skin.

 Ease Anxiety

The use of cannabis and related compounds to treat anxiety dates back to Vedic texts from 2000 BCE. On its own, CBD has been shown to lessen anxiety in both human and animal subjects.

 With the proven benefits of CBD oil in general and the the increased bioavailability of CBD vape oil, it seems like a healthier population could be just a breath away.

4 Precious Metal Alloys

Precious metals are rare, valuable elements, such as silver, gold, platinum, palladium, iridium, osmium, rhodium, and ruthenium. These types of naturally-occurring metals have certain unique characteristics which separate them from other metals. Due to these unique characteristics and the rarity of the metals, many people use them as an investment. Here are four of the most well-known types of precious metal alloys.

Gold

A dense, soft, and shiny yellow metal, Gold is the most malleable and ductile of any known metals, allowing it to be altered in shape without breaking or cracking. This metal is commonly used due to its high resistance to corrosion, but tends to be of a higher cost and offers lower resistance to erosion. This type of metal is most commonly seen in jewelry or currency but is also often used in certain specialty applications and electronics.

Silver

A soft, white, and shiny transition metal, silver is often used for electrical purposes because it features the highest electrical conductivity of any element and the highest thermal conductivity of any metal. While silver is a soft metal, it can be strengthened by combining it with copper. However, this combination will negatively affect the conductivity so it is rarely done when being used for electrical purposes. Silver can’t be the main component for most commercial applications because of its softness but can be used as a starting component before being joined by other metals to create a silver-based alloy.

Palladium

Palladium is a shiny, silvery-white metal that is a member of the platinum group metals (PGM). This metal is the least dense and features the lowest melting point among all of the platinum group metals available. When heated, palladium becomes soft, allowing it to be able to become drawn out into a thin wire. When exposed to cold, it hardens and becomes stronger. This metal is commonly used in catalytic converters, electronics, hydrogen storage and purification, and jewelry.

Platinum

Similar to gold, platinum is a shiny metal that can be pressed out of shape or drawn into a thin wire. This silvery-white element usually has a strong natural resistance to corrosion and won’t mix with oxygen at any temperature. However, it can corrode when being exposed to halogens, cyanides, sulfur, and caustic alkalis. Platinum is usually mixed with iridium, ruthenium, or tungsten to create a useful alloy and is commonly used in catalytic converters, laboratory equipment, electrical contacts and electrodes, and jewelry.

Precious metal alloys are rare metals that feature unique characteristics and can be used for a variety of purposes, such as electrical contacts and jewelry. There are many aspects to consider when choosing the right metal to use for a specific purpose but these are the basics of some of the most popular precious metals.

3 Types of Special Needs Trusts

If you have a disabled family member or otherwise care for someone that has special needs, it’s natural to worry about how they will be cared for after you depart. A special needs trust will allow you to allocate your left-behind assets to that person without them losing their government-issued benefits. This will ensure that they are able to be properly cared for with help like personal attendants or therapy and can provide them with services like phone and internet. The type of trust you create for your dependent depends on who is creating it and how you wish the assets to be distributed long-term. Here are three types you can choose from when setting up your special needs trust management.

Trust with Dependent’s Assets

A trust that has been created using assets that belong to the dependent is often called a first-party special needs trust. This type of trust is commonly set up when the individual has acquired assets through inheritance, a settlement, or some other means and are under the age of 65. This type of trust is set up so that the caregiver can leave their assets to the special needs dependent without the fear that the dependent will lose their government-issued benefits. Upon the death of the dependent, the remaining money will be acquired by Medicaid, which will use it to reimburse itself for the support the state provided for that dependent.

Trust with Third-Party Assets

The second type of special needs trust is one that deals with the assets of a third party, such as parents or grandparents. Often called a third-party special needs trust, this is usually created when the person leaving the assets to the dependent doesn’t want their inheritance to negatively affect the dependent’s ability to obtain their government-issued benefits. This type of trust is created by someone during their lifetime through a document such as a will. A trustee is appointed to handle the money to ensure that it ends up with the dependent as intended. While the trustee is unable to give the money directly to the dependent, they can pay for certain items or services that their monthly SSI benefits don’t already cover. When the dependent dies, the remaining money will be distributed as directed by the creator.

Trust with Pooled Assets

A trust set up with pooled assets is managed by a non-profit organization using first-party or third-party pooled trusts for those with special needs. This type of trust is easy and cheap to set up as there is no cost and no required tax return. Any time money is transferred out of the trust or distributed to anyone other than the individual, penalties will be assessed. When the dependent dies, the money will usually stay in the trust to assist others with special needs.

Special needs trust management ensures that your loved one with special needs is cared for after you depart. These are three of the types of special needs trusts that you may choose from to support your loved one after you’re gone.

Tips to Make Purchasing Office Furniture and Equipment Affordable

Owning and operating a business can come with a hefty price tag. If you own your business are in charge of purchasing at your organization, you know that better than anybody. You may be looking for some good ways to save money and make equipping and furnishings more affordable. Here are great ideas to help take the sting out of buying the essential equipment and office furniture in Fairbanks, AK.

Conduct an Audit

The first thing you’ll want to do (and continue doing each year or more often) is to conduct an audit on your office equipment and furniture. Note what supplies and equipment your business currently has, where they’re located, and who has access to them. This will give you some good ideas as to where you can cut back as well as ideas to find deals on products you use most often.

Sign a Contract

Purchasing your office supplies and furnishings through a contract with a vendor may save you hundreds if not thousands of dollars on your purchases each year. Most vendors will offer discounts to business owners who purchase equipment through their contract. If you choose to enter a contract with an office equipment and supplies vendor, be sure you’re not buying more than what your business will actually use every month.

Prioritize Quality Over Quantity

You can certainly save money by purchasing cheap low-priced furniture, but at what cost? By choosing high quality furniture, you minimize the risk of having furniture that falls apart. If you’re purchasing cheap furniture but replacing it more frequently, then your cheap office furniture is going to be a lot more expensive than just what you initially paid for it. By buying quality pieces that you can use for a significantly longer time, you’ll ultimately save money.

Do Your Shopping Online

There are probably great office supply stores in your area, and they might have some great deals. However, by doing your shopping online, you can compare products across websites to find the best price for the products you want. Shopping online is also convenient so you can shop on your own time from wherever you are.

As a business owner, you know how easily monthly office expenses can cost. Office furniture and equipment may account for one of the largest expenses you likely have. Fortunately, there are many things you can do to make these purchases less expensive while still getting the great quality office furniture in Fairbanks, AK.

Benefits of a Live Call Answering Service

In today’s business climate, customers expect a lot more from companies than ever before. Specifically, when they have a question or concern and place a call, they want someone to answer. A live call answering service can be a major asset to your business, especially if you experience large call volumes. Consider these two advantages of adding a service like this to your company.

Extension of Business Hours

An answering service allows your customer to have more extensive business hours than it currently offers. If your company is open 8 AM to 5 PM, a live answering service can fill the time between 5 PM and 8 AM. Unfortunately, not all customer problems happen during typical business hours. After hours, with a live calling answering service, they can have their problems heard and resolved.

Adding this service to your business can also help you accommodate customers throughout the nation and world. Customers in different time zones are still able to reach a representative of your company. They can speak to an actual person and get real-time answers instead of leaving a voicemail or sending an email.

Better Response for Customers

When customers call your company, they want someone to answer their calls. They are likely not interested in an automatic system like a voice response unit or simply being sent to voicemail. A live answering service means that a real person is on the other end of a phone call from a customer. These representatives can answer questions, guide customers, and notify management of an important call if necessary.

The customer experience can be elevated with live answering. Customers will feel that they are important and being listened to when they interact with a live call representative. When customers can have the questions and conferences addressed upon calling your company, they are sure to have a better overall experience. Happier customers are more loyal, spend more money with your company, and refer you products and services to others.

If customer service is important to your company, a live call answering service may be a good investment. With this answering service, you are able to extend your hours for customers as well as enhance their overall experience. Companies that have phones ringing off the hook may be able to utilize this service during the day as well to field calls and protect the time of its employees.

How Can You Use Your Health Savings Account (HSA) For Your Retirement?

In the past few years, a lot of new retirement savings schemes have been launched in the market. One of them is a health savings account (HSA) that helps in paying for a long-term care insurance and medical expenses for retirement years. The best part of this plan is that it provides tax benefits to a person. This plan is the best option for those who have got high-deductible health schemes for paying “out of pocket” medical expenses. To effectively reap the benefits of this plan, you need to learn about the right way to use it.

Why should employees use an HSA for Retirement?

The triple tax advantage of HSA investments makes it the best way to save for retirement. As per a recent story published in “The Wall Street Journal”, Health Saving Accounts are “the most tax preferred saving account available in the US.” Use of this scheme to save for medical expenses incurred on retirement is better than other retirement accounts.”

What are those factors that make an HSA good retirement option to be considered?

HSA is a budget friendly option when compared to other retirement options. It provides an easy and robust way to fund retirement of a person. When compared with other retirement plans, HSA provides several attractive and useful features that make it an ideal option for people.

  • All the contributions that you make to your HSA plan can be made through payroll deductions, and from other forms of your savings. Any contributions that are made by your employer is not counted as your taxable income.
  • One of the best parts of this account is that the balance of the account grows in a tax-free manner. Any type of dividends, interest, or capital gains that are earned are not subjected to tax.
  • Any type of withdrawal done for qualified medical expense is completely tax-free. This makes HSA superior to other conventional retirement scheme like IRA or 401(k). An HSA scheme does not require the account-holder to begin funds withdrawal at a specific age. You can keep this account untouched for any period of time. You will not be permitted to contribute once you reach the age of 65 years.
  • As HSA belongs to the investor and not the employer. So, this account remains active even if the investor changes his job. This implies that the account is completely portable and goes everywhere with you.

Who are eligible to open an HSA?

To qualify for opening an HSA on your name, you need to fulfill a set of eligibility criteria. It must be a “high-deductible health scheme” and not any other type of health insurance/ Medicare. Also, you must not be a dependent on tax return of someone else.

Conclusion

Consumers who meet the eligibility criteria for this saving account but have not opened one on their name are losing an incredible opportunity to fund their later years. HSA money is a great advantage for all investors as it provides the tax exemption on all withdrawals made to this fund. By providing highest tax value it is the most affordable means to fund medical expenses.

Ways to Save Money and Take Advantage of Custom Online Booklet Printing

Booklets are effective marketing tool, which is used to gain competitive edge. Users hold the booklets in their hands as a reference guide, so it’s printing needs to be of top-class quality. Booklet printing needs to make an impression of professionalism, quality and credibility.

Booklets are used as recruitment brochures, employee handbook, report guides, tailored magazines, colored magazines, tradeshow pamphlets, restaurant’s menu and more. They help to decrease marketing materials as every necessary information is placed in a single booklet. Event information like time, date, summaries, headlines and striking graphics can be compiled in one booklet.

Custom online booklet printing offers your business opportunities to gain advantages in several ways. You can lead the competition but make sure to find a printing firm that specializes in digital brochure printing.

Ways to take advantage of customized online brochure printing

  • Target special demographics – A booklet offers relevant facts about your products or services. Inside a single brochure, you can share plenty of information.
  • Appear different – With high quality colorful booklet printing you will never hesitate to compete but help to take advantage of distinguishing marketing material. For example, gloss or uncoated pages will make your brand message stand out amongst competitors.
  • Easily distributed – Booklets can be mailed directly to existing and potential clients with ease.
  • Saves time – Customers receive booklets faster because several traditional steps get eliminated including stuffing, sealing and posting.

How to save money on printed booklets?

Opt for standard paper sizes only

These are easily accessible, less costly and generates less waste. In the US standard sheet size is 8.5” x11”, whose printing cost will be cheaper for booklets or books.

Use black ink wherever possible

If booklet is for internal use in an organization as employee manual then color is not so significant. Without any concern have the cover and interior pages printed using black ink. Logos and images can be printed in grayscale. If the brochure is for marketing purpose then colored cover is crucial to grab attention as well as reveal professionalism. However, to save funds consider printing interior pages as much as possible in black ink.

Select colored paper for cover

Use of black ink on colorful paper is cheaper than complete color printing on a white paper. Depending on your business project, a parch-tone, subtle fleck pattern or solid hue can make prints from black ink look good. However, for promotional projects the cover of booklet needs to be in full color printing. This simple concept can enhance the appearance of your brochure, manual, menu or guide.

Search for ‘on demand printing’ feature

It is wise to get your booklets printed in a big batch to save on per brochure cost. However, large inventory means sizeable investment as well as handling and storage expense. It also prevents you from making changes in the booklet, if necessary. Today, you can search for ‘on demand printing’ feature, which means your provider will generate booklets as per your needs. Thus you gain flexibility by removing cost and risks related with outdated content. Your upfront cost also gets lowered. You can make adjustments to the brochure, whenever necessary.

3 Telltale Signs of PTSD

Post Traumatic Stress Disorder (PTSD) is a common result of any traumatic incident that has happened to a person. While many believe only armed services veterans suffer from it, it can actually affect anyone who has been through an abusive situation, a vehicular accident, or any other incident that affects a person.

Luckily, you can find a PTSD treatments center for those who suffer from PTSD. If you aren’t sure if you or someone you love has PTSD, check out these three telltale signs that treatment is necessary.

 1. Anxiety

While there are many causes of anxiety, PTSD is a common culprit. This is especially true if the anxiety is connected to any type of memory of the incident that could have caused PTSD. For example, if you have been in a car accident, you may find that you have high levels of anxiety when you get into a vehicle. Whether or not you are the driver, PTSD can cause driving anxiety. If you find that you are incredibly anxious when you get into a vehicle, consider seeking professional help to get to the root of the problem. You may find that PTSD is affecting you.

 2. Disinterest

Many times, PTSD sufferers lose interest in things that they once loved. While many may write this disinterest off as a form of depression (which should not go untreated), it can actually be a telltale sign that you or someone you love is suffering from PTSD. If you notice that you or your loved one is losing interest in more and more things, it is probably time to seek professional help. This disinterest can lead to deep depression and even suicidal thoughts. Going to a treatment center can help you or your loved one work through the issues causing the disinterest and overcome the PTSD symptoms they are facing.

 3. Memory Loss

For those who suffer extreme cases of PTSD, they may find that they suffer from memory loss. This is often because those suffering try to bury the memories of the traumatic events deep enough to keep them out of their conscious minds. While many think that this is a way of coping with the pain of the traumatic event, it can actually cause a lot of other issues. When suppressing memories occurs, it can lead to anxiety, depression, and suicidal thoughts that the sufferer cannot pinpoint the cause of.

There are a lot of causes of PTSD, but finding a PTSD treatments center can help you or your loved one overcome the disorder and get well again.

3 Ways to Save Money Online

If you love shopping online, you know that there can be some pricey places. However, you also know that a great deal isn’t too far away. If you are a bargain shopper who is willing to go to several different stores to find the best price, you know that this can be a little exhausting.

This year, when it comes to shopping online, you are ready to save as much money as possible. Whether you love Amazon or stores like ShopBop, there are a lot of ways you can save a little extra. If you aren’t sure how to save money online, check out these three ways you can start today.

 1. Clearance Sections

Many online stores have clearance sections. Check the drop menus or search for clearance sections in the search bars. While many online clearance sections have limited stock on the things you are looking for, you may find that they have your sizes, colors, and brands that you really want. Spending a little extra time looking at the prices in the clearance sections of online stores can save you a lot of money.

 2. Save on Shipping

Many online stores offer free shipping. They may have you become a member in order to receive rewards like this. However, most stores don’t require you to sign up to get free shipping. As a matter of fact, many larger companies offer free shipping for online purchases if you spend a certain amount of money. While this is a little trick they use to get you to buy a little more, it can save you a lot of money in the long run. Shipping is rather expensive, so finding free shipping is very much like finding additional sale prices. Make sure you do the math to ensure you’re getting the best deal before you order.

 3. Online Coupons

If you sign up for eNewsletters, you should check your inbox to see if there are any coupons available to you. If the store you love doesn’t have coupons, be sure to check out coupon websites that offer savings at the online stores that you love. Some coupons that you find online can only be used in stores, so be sure to check the fine print.

Whether you love Amazon or stores like ShopBop, there are a lot of ways to save money online. You can find clearance sections, save on shipping, or find online coupon codes.

How to Expand Your Medical Knowledge in 2019

As a medical professional, it’s always important to learn more about your industry and new health trends that are popping up every year. To expand your medical knowledge in 2019, there are many ways to do so, from taking hematology CME courses to head back to college and attend industry workshops.

Take Continuing Medical Education Courses

Continuing medical education courses are a great way to expand your medical knowledge this year. By taking hematology CME classes, you can learn more about the study of blood, which is incredibly useful if you work in a hospital. Plus, what better way to propel your career than adding CME courses to your resume? Some medical professionals even experience a pay hike as well with their continued education.

Volunteer Your Time at Local Hospitals

Another way you can expand your medical knowledge in 2019 is to volunteer your time at local hospitals. Although this can be challenging if you have a tight schedule with your own work spending time volunteering with other doctors can be a great asset to your career and skill set. To begin your volunteer work, you should contact local hospitals in your area and see if there are any open shifts for volunteers.

Attend Industry Workshops and Lectures

Although it may not be the most exciting experience, you can learn more about the medical industry and health trends this year by attending industry workshops and lectures. Unfortunately, these typically aren’t free, but you can find local ones for affordable costs. Plus, your workplace might even sponsor you to attend some, which will not only benefit their workplace but your career as well.

Head Back to College

This may be the most expensive option to expand your medical knowledge in 2019, but an effective way to give your career a boost is to head back to college. Taking medical courses at a local college or university can help increase your industry knowledge and skill set this year, which will help you better serve your patients. However, don’t forget about enrolling in scholarships and financial aid to help you pay for expensive classes!

There are many ways you can expand your medical knowledge in 2019, from taking hematology CME courses and volunteering your time at hospitals to heading back to college. Hopefully, with help from the suggestions above, you can have a much easier time improving your medical skill set this year. Get started today by taking CME courses and attending workshops today.