We have buttons. We have triggers. We have experiences that send us flying off the handle. These intangibles cause a ton of stress in our lives and in our relationships. The interesting piece to this is that we do not wear our buttons on our surface. Others don’t even realize they are pushing our buttons because they cannot see them. A button or trigger for one person is totally neutral for someone else. This means that the buttons and triggers themselves are not actually the issue – how we react to them is the issue. Our reactions stem from our minds and are a result of our past, our patterns, and our beliefs. Our buttons, triggers, and reactions are resolved by uncovering and removing them within the mind itself. What buttons/triggers do you have that if resolved, would eliminate stress and conflict within your life?
Community News
Disability Tax Credits
There has been a lot of talk lately about the disability tax credit. You may have seen an ad in your community newspaper telling readers that they can get a considerable tax saving of $2500 per year, as well as sizable tax refund of up to $20,000 from Revenue Canada Agency (CRA). The basis of all of this is that it is dependent on a person having both a medical condition that meets the eligibility criteria for the program and taxable income enough to be able to use a tax credit. Most are skeptical of these ads, thinking that it can’t be true, that CRA will actually pay them back tax money they paid in past tax years based on the severity of their medical condition. Some will ask how is this possible and why haven’t I heard about this. Well, I can tell you that it’s true. Let me tell you a bit about the Disability tax credit program, and how it has helped thousands of Canadians save money on their income tax each as well as receive a nice tax refund.
The Disability Tax Credit (DTC) and the disability amount is a non-refundable tax credit that a person with a medical condition that meets the eligibility criteria can claim to reduce their yearly taxable income. When determined eligible to use the credit, a person may be able to claim the credit for future use or have it applied retroactively to past tax returns. The refund or tax reduction is based a person’s total payable tax amount and may be worth up to a $2,500 tax reduction or refund for each year they qualify. Before applying for the disability tax credit a person must have a medical condition that meets the eligibility criteria that CRA has set out. In assessing the medical condition, CRA looks at the effect that a person’s medical condition has on their daily activities and details specific activities that must be affected in order to be considered. The application process can be somewhat involved and may take some time to go through, but the outcome can be worth the effort.
Let me tell you my own experience with the disability tax credit. A number of years ago I went through a difficult period of time, experiencing pain in my daily activities. I had two hip replacements within an 8 month span, this after living with osteoarthritis for over 12 years prior. With help from a tax credit consultant, in 2009, I went through the disability tax credit process and received a tax refund of close to $20,000. Over the next 5 years, I was able to use the credit when I did my taxes and saw an additional $10,000 in tax savings.
Readers may ask how to go about applying for this substantial tax credit. While it is possible try and go through this process on your own, a person may be better off consulting with a professional who knows the policies and procedures that make up the disability tax credit program in order to maximize the benefits of this program. A tax credit advocate with experience at the DTC program will help clients assess their medical condition and financial situation in order to make sure they have a chance of meeting the criteria and are able to use the credit if they get it. An initial assessment can make a big difference in determining whether or not it would be worthwhile for a potential applicant, their spouse, or family member to go through the process of trying to gain eligibility for the DTC. Advocates help guide people through the DTC process by preparing the necessary preliminary documentation, review and submit the required paperwork to Canada Revenue Agency, follow the progress of the application from start to end, and make recommendations can help a person stay informed and involved in the process. Where there is a problem or delay, an advocate can resolve issues and keep the process moving forward. As a person who has gone through the disability tax credit process, I believe that each person who applies deserves the best chance of getting the Disability Tax Credit. For more information about the disability tax credit and how to apply, please feel free to call Brett Scott 1-844-453-5372
Medication Reviews
Most people are aware that prescription medications can interact with each other, sometimes causing adverse side effects. However, over the counter products such as vitamins or herbal products can also interact with prescription medications – these interactions can potentially change the effectiveness of the drug and lead to harm, such as a fall. If you are on prescription drugs, it is important to have a discussion with your doctor or pharmacist before taking any over the counter medications to ensure you are taking the right products at the right times. A pharmacist can also conduct a full medication review with all of your prescriptions and over the counter products and advise you on safe medication use.
Clean Eating Recipe: Strawberry Chia Jam
Chia seeds are packed with omega-3 fatty acids and protein. They will absorb several times their mass in liquid, creating a jelly-like substance in the process. Instead of cooking fruit down, relying on pectin, and adding sugar to help it set, all we need to do is mash up some fruit and stir in a few tablespoons of chia seeds! So easy! Ingredients: 2 cups chopped strawberries, 1-2 tbsp lemon juice, 1-2 tbsp honey, 2 tbsp chia seeds. Cook the berries on medium heat until they start to break down. Mash the fruit with the back of a spoon or a potato masher, leaving it as smooth or as lumpy as you like. Remove from heat and stir in 1 tbsp of the honey and lemon juice. Stir in the chia seeds. Let stand until thickened. If you’d like a thicker consistency, stir in more chia seeds 1 tsp at a time. The jam will thicken further and become more set once completely chilled.
Mental Health Resources
Did you know that the Canadian Mental Health Association has information online regarding different mental health issues? As well, your local Canadian Mental Health Association branch can answer any questions you may have and provide services to the public. Workshops and courses are another great way to learn about these issues. The Canadian Mental Health Association along with other organizations in your community offer this service. Research what organizations are around you and call them to find out times, dates and whether courses are available for free at a cost. Visit your local library to take advantage of free resources or head to a bookstore or shop online to purchase.
5 Reasons to Eat Flaxseed
Flaxseeds are the richest sources of Plant-based omega-3 fatty acids, called alpha-linolenic acid (ALA) in the world! 5 Benefits of consuming this super food are 1. High in Fibre – Fibre aids in digestion, prevents constipation and suppresses hunger. 2. Women’s Health – The lignans present in them help in battling high levels of estrogen and assist in balancing hormonal levels. 3. Healthy Hair & Skin – The ALA fats in flax seeds benefits the skin and hair by providing essential fats as well as b-vitamins which can help reduce dryness and flakiness. It can also improve symptoms of acne, rosacea, and eczema. 4. Lower Cholesterol – The soluble fiber content of flax seeds trap fat and cholesterol in the digestive system so that it unable to be absorbed. 5. Weight Loss – Since flax is full of healthy fats and fiber, it will help you feel satisfied longer so you will eat fewer calories overall which may lead to weight loss.
Book Club: Is Your Child’s Brain Starving?
By Michael R. Lyon MD and Christine Laurell, PhD
Michael Lyon went from overweight academic underachiever to graduating as the top male student in his high school a year later, thanks to a total change of diet and lifestyle. He ultimately became a medical doctor involved in research on nutrition. This book is an inspiring guide to better brain function through diet and lifestyle changes. The minor downfall is the promotion of supplements he has helped to develop, but it is still a valuable book for parents and has a good recipe section.
IQ and Nutrition
What if you could increase your child’s IQ with nutrition? Inhabitants of a tiny island off the coast of Japan have the highest IQ scores in the world and produce seven times as many geniuses as any other place in the world. Seniors living there don’t seem to struggle with cognitive decline either. The secret: DHA, an essential fatty acid found in fish, krill, squid and some algae. The brain is made mostly of fat, 60% of which is DHA. DHA is found in mother’s milk and has long been recognized as aiding IQ scores in children. Almost everyone nowadays is deficient in DHA. This may be one of the reasons for the increased rates of ADHD, learning disabilities and autism as well as increasing rates of Alzheimer’s disease and other age-related cognitive problems.
Live a Healthy Summer
The summer is here, and summer is about LIVING! Life is too short to not enjoy the fun things and the fun foods. BBQ’s and drinks outdoors around the bonfire are a part of what makes summer in Winnipeg. If you’re watching your weight and your health and don’t want to sabotage your efforts, make sure that 80% of the time you are sticking to a healthy eating regimen. This includes organic fruits and vegetables, and especially vegetables that are highly alkaline so that your body maintains a healthy PH balance. These include broccoli, kale, cucumber, kelp, parsley, spinach and green drinks. If your schedule is busy, make sure to opt for the powder version of your antioxidants and greens. I recommend a raw, whole food version which you can quickly add to water to make sure you are maximizing your nutrition through the active summer months. Enjoy the summer!
Angel Balichowski, The Organic Mommy, www.theorganicmommy.com
Debt Getting You Down?
Don’t hit the bankruptcy ‘panic button’ until you have to. Life’s pretty good at throwing curve balls. And whether it comes disguised as a lost job, a health problem or some other unforeseen calamity, all too often that curve ball comes wrapped in financial woe and worry. Suddenly, questions like “How are we going to pay the bills?” and “Do we keep the kids or the cat?” take on far greater relevance than they used to (okay, so not the second one – but you get the drift).
While indebtedness is for most of us a fact of life – how else could you afford that nice home and a new car? – There may come a time when, usually through no fault of your own, you find yourself overwhelmed by debt. And for an ever-increasing number of Canadians, the sinking feeling that accompanies the inability to pay their bills can mean only one thing: bankruptcy.
But before hitting the bankruptcy ‘panic button’, be sure to conduct an honest assessment of just how bad your debt problem is. It can be as easy as making a list of who you owe money to and how much (if possible, include details of interest rates, monthly payments, and the term). Be sure to check whether your credit history has suffered (services such as those offered by Equifax and TransUnion can provide the answer), and determine whether it can: a) be fixed, or b) be prevented from getting any worse. Only then can you properly begin to understand your options?
And while bankruptcy might ultimately be the answer, it shouldn’t be your first recourse. The following tactics are worth considering to avoid going that route:
– Start a budget: Knowing where your money’s going can be a good way to stop the bleeding, enabling you to identify problem areas while targeting (and cutting out) unnecessary spending. Yes, you’ll need to be disciplined, but for many it’s enough to make a positive change to your bottom line.
– Restructure your loans and mortgages: It certainly doesn’t hurt to see if you can free up cash by deferring a car loan or mortgage payment – most financial institutions are happy to help by pushing back one or two monthly payments (usually for a fee), which may be enough to help in the short-term. Alternatively, look into a lower interest / lower payment option that might spread the debt out over a longer period of time.
– Take stock of your assets: Document anything of value – be it land, your vintage 1962 Mustang, or that collection of Disney originals Great Uncle Walt gave you. Don’t be tempted to sell them until you’ve had your situation assessed. These assets could be used to fund a consumer proposal that may, in turn, save you from filing bankruptcy.
If, after all, this, you’re still not sure you can figure your own way out of your financial problems, don’t hesitate to seek professional help.
And remember: simply ignoring the problem won’t make it go away.
LCTaylor Licensed Insolvency Trustees, www.lctaylor.com
Pharmacy Budget
We know that the cost of prescriptions is often difficult to manage for patients. We want everyone to have access to good care and safe medication use – to accomplish this, a customized budget plan for clients. This allows you to remain on your medications and manage the expense throughout the year. Along with the budget, a visiting pharmacist will counsel you or your loved ones in the comfort of your own home on a regular basis. They will help you manage multiple or complex medications and collaborate with other members of your health care team to ensure your health needs are met. This gives you and your family peace of mind with the knowledge that this aspect of your life is taken care of and contributes to a positive quality of life. Better Health and Wellness can be achieved through medication management – call a visiting pharmacist to arrange a home visit.
Care at Home Pharmacy, www.careathomepharmacy.ca
