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Retirement Financial Advisor – How To Choose The Best One For Your Needs

And without the proper experience, you could be better off handling your own retirement planning on your own. Here are some tips for choosing a Retirement Financial Advisor:

- Know your income tax planning options. The very first thing you should do when choosing your retirement financial advisor specialty is to sit down and map out your entire income tax planning situation. Make a list of every single tax bracket, you’ll be in as well as the highest tax rate you will be in. Take into consideration investments you’ll be making as well as any state and local taxes you’ll be paying. It’s also important to take into account any employee-sponsored plans or accounts you may already have.

- Look at your healthcare costs. The biggest expense you will be faced with after retirement will be medical costs. While there are some excellent insurance products for seniors, such as Medicare supplement insurance and Medicaid, it’s still a good idea to budget for healthcare costs as well. A good retirement financial advisor will help you understand which medical accounts you’ll need, and which ones you can avoid. Knowing this important information will put you ahead of the curve should you ever need to seek out additional healthcare services or insurance.

- Check out the advisors you’re considering. Even if you think you’ve found the perfect retirement advisor, always talk to them personally. Get to know them a little bit. Ask about their level of familiarity with the market, your goals, their track record, etc. If they are hesitant to answer your questions or give you direct answers, keep looking.

- Be realistic with your goals. While many people find themselves very set on certain lifestyles when they reach retirement age, others aren’t quite as sure. It’s not uncommon for older adults to start a whole new lifestyle when they reach senior age, in an attempt to recapture their previous lifestyle when they were much more active. One thing that many successful retirement financial advisors stress is to create a good income strategy. One thing you want to look at is their income strategy. What does this mean?

- Don’t be afraid to ask for independent professional financial advice. While advisors who work for the company that you’re working for may be knowledgeable and useful, it’s always better to get your own point of view from someone who isn’t tied to one company or another. Look for a retirement planning advisor who works with a wide variety of clients. This will help ensure that you can get your point of view across to them and, if necessary, get modifications to your plan to better suit your needs. Even if you’ve already established your retirement planning goals, it’s wise to periodically speak with a financial advisor about how you’re progressing and whether there are other areas of your plan that could use some adjustments. With a little communication and solid advice, you can develop a good retirement income strategy that will benefit you, your loved ones, and your entire working environment.

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Lithium Ion Batteries – Supercharging The Tool Industry?

Lithium Ion (Li-Ion) battery technology is one of the fastest growing trends in the tool community, and certainly for good reason. Lithium Ion batteries have the best energy to weight ratio, meaning they pack the most power with the smallest amount of bulk. They also experience no memory effect or, lazy battery effect. This occurs when a battery can no longer accept a maximum charge for having been repeatedly recharged without being fully used (a common symptom of Nickel Cadmium (NiCad) batteries). Li-Ion batteries, conversely, have absolutely no memory and can continually accept a maximum charge. Additionally, they have a very slow rate of charge loss while the battery is disengaged.

What is the difference between Lithium and Lithium Ion Batteries?

The difference is in the chemistry; a Lithium battery is a disposable power source composed of lithium metal compounds – the key word, here, being disposable; Lithium batteries cannot be recharged. Lithium Ion batteries, on the other hand, are intercalated, meaning the lithium ion inside the battery moves between two internal electrodes. This movement, or reversibility of the lithium ion accounts for the battery’s rechargeability.

What are the benefits of Lithium Ion Technology?

– Hold a lot of power and are surprisingly light-weight, especially with consideration to other rechargeable batteries.

– Combine single cell technology with a greater energy reservoir than Nickel Metal Hydride and Nickel Cadmium batteries. They store more power for their size than both NiCad and NiMH.

– Hold their charge for significantly longer than other comparable batteries, and provide steady power until that charge is completely gone. Other batteries gradually and consistently loose power as you work. Li-Ion batteries stay strong until the last push.

Are there disadvantages to using Lithium Ion Batteries?

The disadvantages with using Li-Ion technology are generally few and far between, and technological advancements are making them even less so. Manufacturers have recently improved the Lithium Ion recipe to reveal a more reliable battery. Still, every giant has its weaknesses:

– Li-Ion batteries are sensitive to intense hot and cold temperatures. In extreme temperature conditions, the battery will degrade more quickly.

– Li-Ion batteries degrade regardless frequency of use.

– The Li-Ion battery’s built-in computer chip tells the battery to refuse a charge once the batteries power falls below a certain point. If this occurs, the battery is beyond repair.

Although these defects are more applicable to the older Lithium Ion batteries, the possibility of seeing these problems is still worth noting. Fortunately, these said defects are fairly rare, and easily avoided.

– Store Li-Ion batteries (and other batteries as well) in a cool, dry place.

– Use your Li-Ion batteries often.

– Be certain Li-Ion batteries have a full charge before storing them, and pull them out every so often to use and recharge. Watch the batteries power level to be sure it doesn’t fall below the charge limit.

General Li-Ion Battery Tips:

– On occasion Lithium Ion batteries require more than one charge (sometimes 2 to even 10) to accept a full charge. The first time you charge your battery, leave it to charge overnight. This ensures you’ll have maximum power for your first use.

– To maintain proper balance in your battery, leave it charge overnight about once per week for the life of the battery.

– When buying a new Lithium Ion battery, make certain you are buying a fresh one. There’s a chance a battery has been degrading on the shelfs of manufacturer’s and distributors so be certain you are buying a new one. Most manufacturers provide a date code on the battery or packaging. Check dates before you purchase, and be confident you are getting a fresh, high-performance battery.

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Herbal Remedies For Flatulence, Stop Passing Too Much Gas

Flatulence is presence of excessive gas in stomach which may be caused due to two reasons excess intake of air which is swallowed by mouth and excessive production of gas during digestion. Person can swallow excess air than others by chewing gum, drinking carbonated drinks, beverages, tobacco product etc., most part of such gas is emitted by burping or belching but some part of it may escape into intestine to be released through flatus.

Herbal remedies are highly effective in curing flatulence problem. Arozyme capsule is one of the most popular and efficient herbal remedies for flatulence that is made-up of herbs that strengthen digestive system and cure flatulence problem from the root.

Herbs present in Arozyme capsules:

Terminalia Chebula (Haritaki) – The fruits of the plant Haritaki are sweet and sour in taste, and these fruits serve as bowel cleansers and laxatives, which helps to prevent constipation to ensure easy flow and movement of bowel. Haritaki is one of the herbs which help to reduce viral and bacterial infection in the body to improve the health of digestive tract.

Ferula Foetida (Asfoetida, Hing) – Ferula Foetida is a resinous gum of a tall herb having carrot shaped roots and the gum is yellow to dark brown in color which smells strong but it has healing power and is used to prevent constipation and flatulence as it contains components which promotes digestion. It is commonly available in kitchens in Indian home, and is used in preparation of many Indian dishes and curries. It can be taken directly by dissolving the herbal component into hot water and the glass of water with Ferula Foetida helps to prevent flatulence and improve abdomen health. In India small quantities of Ferula Foetida is even given to infants to prevent flatulence in babies.

Ptychotis Ajowan (Ajwain) – Ptychotis Ajowan has pungent taste and it is used commonly for culinary purposes in Indian kitchen. It has carminative properties as it helps to prevent indigestions which are the main cause of flatulence. The seeds of Ptychotis Ajowan can be rubbed with salt to ensure improved digestion of food and to prevent flatulence.

Gardenia Gummifera Linn (Dikamali) – Gardenia Gummifera Linn is a herb which produces gum like substance which serves as antiseptic and it can be applied on wounds to prevent infection. It helps to prevent infection in stomach and it ensures recovery from injury of internal body organs. It is bitter in taste and it also reduces nerve related disorders.

Mint (Pudina) – Mint has cooling properties and it aids in digestion. People who suffer from flatulence are often advised to take herbal tea made from mint as it reduces the excess secretion of acid in the digestive tracks to prevent the feeling of fullness and nausea. Mint is commonly used in salads and food items and it is also effective in improving nervous weakness. It helps to rejuvenate body and mind and promote digestion.

Cassia Angustifolia (Sanay) – Cassia Angustifolia has laxative properties and it promotes bowel movement to reduce constipation. The leaves of Sanay are to then taken to prevent stomach disorders as it helps as rejuvenators and protector of liver and spleen.

Zingiber Officinale (Sonth) – Zingiber Officinale has anti- inflammatory properties and it is commonly used as a blood thinner which helps to improve blood circulation in body to prevent blockages in digestive system and ensure flow of gases through the digestive track to prevent flatulence.

Sodium Bicarbonate (Madhur kshar) – Sodium Bicarbonate is a chemical commonly used in preparation of food items which helps to restore alkalinity in the digestive track and prevent acidity – which is the main cause of flatulence. It helps to eliminate stomach gases in minutes to get rid of flatulence and it also improves bowel movement.

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