Save Cash With the Right Home Improvements

It may be the dog days of summer, but some of us are still thinking about unlocking our inner Bob Vila and fixing up our homes. Whether it’s building a new deck, remodeling our bathrooms, or just replacing some old windows, did you know you can save money when you make home improvements through tax deductions or tax credits?

Tax deductions reduce your taxable income, meaning you’re taxed at a lower income than you might have been taxed otherwise. It is subtracted “off-the-top” from the amount of money you made throughout the year, your gross income. Tax credits, on the other hand, directly reduce the tax you pay. They are dollar-for-dollar reductions which are subtracted from your tax liability. Both are widely used by eligible homeowners to save money on their home improvements.

If you’re wondering which improvements make you eligible for tax deductions or tax credits, it’s good to know how they are determined. If your improvements match any of these criteria, it’s a good bet they’re tax deductible or make you eligible for a home improvement tax credit.

Does it make your home more energy efficient?

There are a number of improvements that could fall under this category. These include energy-efficient exterior doors and windows, skylights, insulation, central air and heating, main air circulating fans, solar panels, solar-powered water heaters, and fuel cells. Look for ENERGY STAR-approved products, as many of them make you eligible for a home improvement tax credit.

Does it add value to your home?

Remodeling your kitchen or bathroom is the most common tax-deductible home improvement project. Other projects that add value to your home include finishing or re-modeling your basement, adding an addition, replacing the entire roof, paving the driveway, and major rewiring. Be aware that painting a room, replacing carpet, and fixing leaks or walls do not qualify for a tax deduction and do not add value to your home.

Does it enable your home to accommodate new uses?

Wheel chair ramps for the disabled, bathroom railings for those who need the support, elevators, and lowering light switches are all tax deductible. These improvements add function and make your home friendly to those who have a disability.

Remember, keeping the receipts and an accurate spending record of each improvement you have made will help reduce the potential taxable gain when selling your home. This will ensure that you are well prepared to defend your records in case of an audit. While it’s important to do research on your home improvement project, you should always consult a professional tax advisor for details.

Women’s Health & Beauty

This majestic Ebook “MUST KNOW Answers, Secrets & Tips on Women’s Health & Beauty” gives opportunity for our lovely wives, daughters, mothers & Grandmothers discover health and beauty secrets.

Hormones-Beauty-Health is the leading provider of informational articles regarding beauty advice, beauty tips, cosmetics, health, natural skin care, anti-aging skin care, and serious skin care products.

This site is available to help women discover health and beauty secrets. We also help women take an inventory of their health and their bodies.

This book is a collection of essays and articles written for Hormone- Beauty-Health. All Articles are organized around the three big topics:

• Hormones
• Beauty

Health Hormones-Beauty-Health has its origins in providing useful information and contacts to the aging population of women experiencing menopause symptoms. Hormone Replacement Therapy is one of the most controversial topics in healthcare today.

Whether we want to admit it or not, our bodies change as we become older. The key to these changes seem to be that dreaded word “hormones.” This chapter features several articles about hormones and changes to your hormones as you age. We have essays about life before menopause, the transition stage referred to as perimenopause, and menopause. Our goal in these articles is to show you how you can embrace your life at all these stages and how you can enjoy good health. These articles answer your questions about how your hormones change in each stage, and give you examples and suggestions of things you can do to ease this transitional stage. We’ll discuss health issues that result from hormone changes, symptoms of hormone changes, and how you can help or alleviate some of these symptoms.

We can all lead happy, healthful lives by monitoring our diet, exercise and sleep. The articles in this section give you insights into your body, your hormones, and how those hormonal ranges change over time. Throughout this chapter, you’ll find hints, tips and suggestions of living a healthy life at all hormonal levels and ages. For your convenience, we’ve added all our tips to the “Hot Tips” section at the end of the book.

There’s no doubt that hormones can be something that causes a bit of a roller-coaster in our lives. Fortunately, all the changes we go through are completely natural. There’s no reason why we can’t embrace our hormones as our bodies change. With simple nourishment, organic treatments, vitamins and supplements, we can easily overcome any problem our hormones through at us.

Beauty Introduction

Women spend millions of dollars every year in the United States on beauty products. We are all interested in finding that fountain of youth, the perfect beauty serum, the right diet, the secret exercise, or the perfect hair care products. We think beauty care is fascinating too. That’s why we are always on the lookout for interesting articles on beauty – specifically skin care, diet, hair and nail care. In this book you’ll find lots of information about incorporating natural products to help your appearance. We’ve taken the informative and interesting articles and essays for this beauty section. Have fun exploring our articles on maintaining your natural beauty – because beauty really does start on the inside.

There’s nothing more fun than playing with make-up, lotions, and potions. Our beauty articles help you explore healthy and natural options for beauty problems. We love bringing you articles about solving beauty problems and helpful tips for beauty care. In the last section, you’ll find a collection of our most popular tips and recipes.

The Definition of Beauty

The definition of beauty is taken from both individual and social perspectives. Some people define beauty as characteristics related to outer beauty such as complexion, health, youthful appearance and facial symmetry. Beauty however is a mixture of both inner and outer aspects of beauty. Characteristics of a person, such as their personality, their politeness, their integrity, their elegance, their charisma, their intelligence and their grace can be considered as aspects of inner beauty. These aspects define what inner beauty is, and are factors that can be felt and sensed when the person is around, and not just perceived by the eyes alone.

Culture also dictates the standards of beauty and is constantly changing. The concept of beauty has changed from curvaceous women in the past to the skinny ones of today. Regardless of this, it is still up to the individual person to define and judge what is beautiful. The adage “beauty is in the eyes of the beholder” rings true in that what is beautiful for you is not necessarily beautiful for another, it is akin to the saying “one man’s drink is another man’s poison”.

The inner attributes of a person must be of high quality for the person to be considered truly beautiful. The person’s ability to warm anothers heart, place a smile on someone’s face definitely shows the characteristics of one who has inner beauty. The criteria therefore to judge a person’s inner beauty is his or her level of sensitivity, compassion, tenderness, intelligence and creativity. These qualities of inner beauty are indeed powerful for they can exceed the person’s outer features.

Nonetheless, how to achieve beauty in both inner and outer beauty is very important to a person. Therefore even though one is kind, true and loyal, it is still important to know how one looks physically. It is not just how pretty you dress up to be beautiful, but you also need to have a healthy lifestyle since sickness can affect you sooner or later. One should also prepare one’s overall appearance before socializing in the world, for people that we have never met will always judge us on a first impression on our physical appearance.

In summary, put on your best smile and comb your hair and iron your clothes. Wear something dignified that makes you feel comfortable at the same time. You have to love yourself for who you are before anyone else can love you. You must be attracted to yourself before you can attract attraction. Knowing this you must also accessorize your new beauty with kindness, and tenderness, integrity and compassion.

Health Care Reform Made Simple

My name is John Ross and I have spent my entire 40 + year career in health care. Specifically, my background and experience is in developing and managing evidence planning, reimbursement applications, and health economics strategies for a number of fortune 500 health care technology businesses. In short, my job was to help the companies that I worked for to understand the health care market place from three important perspectives. The first was to answer the question; “What can we expect to be paid for the medical technologies we are developing and planning to market? The second question; “will the results and/or lower costs associated with the use of these medical technologies justify the payment level we think they deserve? Finally, what product development, marketing and sales strategies do we need to employ to insure that our future medical technologies are quickly accepted by hospitals, physicians, payers and patients? Obviously with such a focus I had to deal with Medicare (health insurance for folks over age 65 and the disabled), Medicaid (state-run insurance programs for the less fortunate) and commercial health insurance companies (the companies that insure and administer employer-based health insurance plans). I also spent a lot of time assessing the needs of physicians, hospitals and large integrated health care delivery networks that purchase and use a wide array of medical technologies.

From a funding standpoint I have seen America’s health care system go from almost “anything goes” to today’s increasing focus on cost and outcomes. Outcomes, is just another way of asking the question; “for the dollars we are spending nationally or on a particular patient’s disease or injury are we getting a good value in return? In other words, is the price of the drug, medical device, procedure, diagnostic or surgical intervention worth the cost in terms of better results and lower costs compared to how we would traditionally manage this patient’s condition?

This blog is a forum for talking “honestly” about:

1. Where health care in America is going?

2. Why it is going there?

3. What can we expect from tomorrow’s health care system compared to what we have become used to?

4. What we can do to the best of our ability to use less of it (think preventive health strategies)?

5. How we should think about and help those unfortunate individuals, young and old, who need more of it than we do?

6. How can we help to make sure those who need health care get access to good health care when they need it?

7. What can we do to increase the chances that state of the art health care will be there when we need it and at a price we can afford?

I will also provide education as to how the health care system works from the various perspectives of the stakeholders. It is vital that we understand these perspectives, what drives them and the many conflicts that exist. Areas to cover will be:

1. What is happening to hospitals and physicians in this changing health care landscape?

2. What is happening to the development of innovative future medical technologies and pharmaceuticals?

3. Where is Medicare policy going with regard to payments to physicians and hospitals and other care settings?

4. What is the future of employer-sponsored health insurance plans?

5. Where is changing with regard to private health care insurance companies?

6. What will happen to patient costs?

7. What can I do to avoid premature, unnecessary or unproven health care interventions?

8. What role will “evidence and data” play in the future in giving us more information from which to make personal or family member health care decisions?

I would like this to be the place that you can visit when you hear politicians or anyone else for that matter promising something from health care that just doesn’t make sense. We all know the feeling we get when we hear an “it’s too good to be true” story. When we hear such fantastic promises, we better check it out and this will be a place where you can do that. So, bring your concerns and questions and I will do my best to help you to check them out!

Have you heard this one; “under my health plan, you need not to worry. Your costs will remain reasonable, you can keep your doctor and you will have access to state of the art health care”. Or, “it is every ones right to access the very best in health care, young and old, rich and poor no matter your ability to pay.” This would be nice but it is simply not reality and it is time that we talk about these things and deal with them with our rose-colored glasses removed. So, no matter what your point of view on this subject I encourage you to visit ask and comment. We need a grass-roots effort aimed at understanding health care and in particular we need to talk about its funding limits and what we can do to assure that those who need it – get it, and at a level of quality and at a manageable cost such that we can afford it as a nation. If we don’t do this it is highly likely that health care as we have known it America will not be available when we face our own or a family members serious and costly illness.

The fundamental flaw in our individual approach to health care is the notion that we have no responsibility for it except to expect it to be there, with no delay, and at state of the art levels of care. And that for the most part it should be paid for by someone else. Most politicians right now are not leveling with us. They don’t want to address the areas that I have addressed even in this my first edition health care blog. Well, I think that we are better than that! I think with the right information we can manage through the changes that are coming. We want to do the right thing but to do so we have to be informed as to how stretched the health care system is and what we can do to unburden this precious resource.

First, we can stretch health care dollars and resources by taking better care of ourselves. The goal is to do what “we” can do in terms of learning about and practicing preventive disease strategies, thereby reducing the amount and cost of health care interventions we need. By behaving this way we free up our local health care systems funding and limited physical capacity to treat those who are truly in need. Every one of us that invests in preventive disease strategies will find that the beneficiary is you, your family, and your finances. Pretty tangible benefits wouldn’t you say? Perhaps bigger than that is what this behavior and better health for yourself and the avoidance of chronic diseases such as high blood pressure, heart disease, pulmonary (breathing) conditions, diabetes and a host of other conditions can do to unburden the nation’s health care system. We need to preserve it, both in terms of resources and dollars, for those who are less fortunate and have to access the system for serious health problems. How good would that feel?

Some would say that America is a scary place to be these days. The events of 9/11, the Iraq and Afghanistan wars, continued threats from terrorism, the housing and subsequent financial meltdowns, the political infighting that gets us nowhere, and yes the health care crisis. These all create the tendency to make us want to “wring our hands” instead of “wringing the necks of politicians” that refuse to provide the leadership that we need.

I have come to a conclusion. I have seen enough to know that the leadership we need has to come from us, the individuals who make up the electorate. Waiting around for politicians to act means we don’t understand the world of politics. Politicians only move in one direction or another when an exercised and voting electorate (that’s us) frames the issues and leads the way to a solution. It is almost never the other way around.

Bringing it back to health care and the question of what one individual can do to improve things, it starts with one individual and another until we have millions pulling in the same direction. If we manage our health to the best of our ability (and I want to emphasize, truly to the best of our ability) and access the health care system only when we need it, paying a little more out-of-pocket for the incidental and non-life threatening ills and spills we all experience, the system could accommodate us all when we really need it.

So there it is in a nut shell – I have spelled out what I believe is our responsibility; that if we all pulled in the same direction as described above (think of disease prevention and what this can do for you and those who do need to access the health care system) we would dramatically and permanently free up this precious and finite resource and it would be there for others in need and, when we need it and in most cases at far less cost. We are all in this together folks, rich and poor, the older among us and the younger and if we just act responsibly and for the good of others in this matter, we would solve the problem. And then, we could work on the next challenge and the next one after that until we see clearly the power of teamwork – “all for one and one for all”. That kind of thinking and behavior can work wonders. We all know it deep down – so let’s just do it!

Look for a weekly newsletter and articles that will deal with everything about health care in America. Look for weekly newsletters that discuss changes coming to employer sponsored health care benefits, changes coming to Medicare and Medicaid plans, new technologies that should be of interest, and articles and commentary with regard to state and national healthcare policies as they develop in the months and years to come. Any kind of question you have about health care I can help to point you to resources that will answer these questions. The specifics about your employer sponsored insurance plan, Medicare, Medicaid and how you can incorporate disease prevention strategies into your life with their big benefits. Ask away and if I don’t know or can’t find the answer, maybe one of this blogs participant’s will know. We are all in this together and as long as we believe that and look out for each other – everything will be alright!